Best Travel Insurance Policies in India
Finding the best travel insurance plan in India can get overwhelming with dozens of options available. Every traveller has unique coverage needs depending on their destination, trip duration, and budget. This guide will help you shortlist travel insurance plans in India for your next trip abroad.
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Reasons Why You Need Travel Insurance
Buying trip insurance is your ultimate safeguard while travelling abroad. Many countries have also made international travel insurance mandatory before issuing entry visas. However, even when not mandated by law, insuring your trip is an essential step towards a safe trip. Here are the key reasons to buy a travel insurance policy for your upcoming trip:
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Safety from Lost Passport, Lost Documents & Baggage
Losing your travel documents is a horrible thing, as it is a great security and financial risk. Getting a new passport issued abroad is an expensive task, which can affect the budget of your remaining trip.
Similarly, a lost or delayed baggage caused by airline errors can disrupt your trip plans and finances. International travel insurance India covers passport and baggage loss. Make sure to purchase an online travel insurance policy which covers lost passports and baggage.
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Support in Case of Accident and Sickness
Falling ill while on vacation abroad is unfortunate and can significantly disrupt your plans. It forces you to give up on your travel plans and horribly affects your budget. With the right travel insurance plans in India, your insurer will cover any sudden medical expenses. The policy will cover emergency medical expenses because of sickness, injury, or accidents abroad.
In some cases, it'll also cover you for your listed pre-existing diseases and dental emergencies.
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Safety from Delays & Cancellation
A delayed flight can be very risky during international travel. Flight delays cause missed connections, extra hotel stays, and non-refundable booking losses. Your insurer covers trip delays, flight cancellations, and trip curtailments caused by listed, covered reasons.
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Emergency Medical Evacuation
In case of worsening health, your insurance will cover medical evacuation expenses and help you move to the nearest available medical facility.
By choosing the right international travel insurance in India, you can easily get coverage for medical evacuation expenses.
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24/7 Travel Assistance
Travelling abroad can sometimes bring unexpected troubles that may be difficult to tackle alone. For example, what if you need to find the nearest doctor or medical facility with cashless hospitalisation? Your insurer can also offer travel assistance with such requests. Be it visiting a police station or claim-related clarity, you can ask for travel assistance from your insurer.
How to Compare Travel Insurance in India?
Finding the best travel insurance policy in India requires reviewing coverage parameters against your destination's specific risks. Follow these steps for an effective travel insurance policy comparison:
- Consider buying a trip insurance plan which offers a good coverage amount (sum insured).
- Always compare different plans to know the suitable travel insurance costs.
- Buy international travel insurance online after checking important factors like claim settlement ratio, customer satisfaction, user reviews, etc.
- Go for a policy with lower deductibles and a minimum cap.
- Always declare any pre-existing disease before you buy international trip insurance. This will avoid any later claim rejection related to that disease.
- Finally, never buy any policy without comparing them on Policybazaar first.
Now, it's often a difficult task to choose the right travel insurance in India from the long list. To ease this hassle, we have come up with list of travel insurance plans you might consider before planning your vacation.
Travel Insurance Companies in India
Travel Insurance covers a variety of problems that may occur while you are travelling. It's common to get confused, as there are a lot of options when it comes to travel insurance companies in India. Below is the detailed breakdown of major travel insurers and their primary benefits:
Aditya Birla Travel Insurance
Aditya Birla Travel Insurance ensures overseas protection you against any medical, travel, and other risks.
| Name of Insurance Plan | Coverage Offered |
| Overseas Travel Insurance Plan | Medical expenses, repatriation, personal accident, trip delay, passport loss, flight hijack, check-in baggage loss/ delay and accidental death & disability. |
Bajaj Allianz Travel Insurance
Bajaj Allianz travel insurance covers people from all walks of life, across different age and trip profiles
| Name of Insurance Plan | Coverage Offered |
| Travel Companion | Trip delay, medical expenses, dental treatment expenses, loss of baggage, passport loss, accidental injuries, hijacks, and personal liability.
Available for Individuals, Families, Senior Citizens, Students, & Corporates |
| Travel Prime Individual | Trip delay, medical expenses, loss of baggage, hijacks, passport loss, accidental injuries, and personal liability |
| Travel Prime Family | Hospitalisation, loss of luggage, trip curtailment, trip cancellation and burglary. |
| Travel Prime Age | For travellers aged 61-70 years and a trip duration between 1-90 days. Covers Hospitalisation, loss of luggage, trip curtailment and trip cancellation. |
| Travel Prime Super Age | For travellers aged 71-90+ years and trip duration between 1-90 days. Covers personal accident, medical expenses & evacuation, emergency dental pain relief, hijack cover, trip delay, golfer's hole-in-one, etc. |
| Travel Age and Super Age | For travellers aged 61-85 years and trip duration between 1-180 days. Comes in three plan variants covering personal accident, loss & delay of checked baggage, emergency cash advance, medical expenses, accidental death & disability |
| Student Travel Companion | Personal accident, hospitalisation, family visit expenses, incidental expenses, tuition fee, bail bonds, loss of passport |
| Travel Prime Asia | Medical evacuation, medical expenses, loss of checked-in luggage, delay of luggage, loss of passport, personal accident, AD & D common carrier, emergency cash advance, personal liability and hijacks. |
| Bajaj Allianz Bharat Bhraman Travel Insurance Plan (Domestic Travel Insurance) | Personal accident, permanent total disability, child education bonus, emergency medical evacuation within India |
Cholamandalam Travel Insurance
Cholamandalam Travel Insurance safeguards you from unpredictable risks that can disrupt your travel plans and cause major losses.
| Name of Insurance Plan | Coverage Offered |
| Chola Overseas Travel Protection Policy | Medical & dental expenses, ambulance services, check-in baggage delay, hospital daily cash, passport loss, financial emergency, personal accident, loss of international licence and personal liability. |
| Chola Student Travel Protection Plan | Medical expenses, bail bond, dental expenses, baggage loss during check-in, passport loss, compassionate visit, sponsor protection, personal accident, study interruption, and repatriation. |
| Chola Comprehensive Travel Insurance Policy | Broad protection covering flight hijack, home burglary, personal liability, and trip cancellations. |
Digit Travel Insurance
Digit Travel Insurance offers tech-first coverage designed for simple paperless claims during your overseas trips.
| Name of Insurance Plan | Coverage Offered |
| DIGIT On the Move: Basic Option | Emergency accidental & medical treatment, check-in baggage delay or total loss, passport loss, personal accident, accidental death & disability and medical evacuation. |
| DIGIT On the Move: Comfort Option | Emergency medical & accidental treatment, trip cancellation, flight delay, missed connection, trip abandonment, personal accident, emergency cash, personal liability, passport & baggage loss, and bail bond. |
Future Generali Travel Inurance
Future Generali Travel Insurance protects individual, students and family from any unforeseen contingencies abroad.
| Name of Insurance Plan | Coverage Offered |
| Future Easy Travel | Medical expenses, check-in baggage loss/delay, daily hospital allowance, passport loss, financial emergency assistance, accidental death & permanent total disability, personal accident and legal liability. |
| Future Travel Suraksha | Medical costs, dental sickness, passport loss, check-in baggage loss/ delay, personal accident, flight hijack, financial emergency assistance, personal liability and golfer's hole-in-one celebration. |
| Future Travel Suraksha Select | Medical expenses, flight hijacking, medical evacuation & repatriation of remains, passport loss, check-in baggage loss/delay, financial emergency assistance, personal accident and personal liability. |
| Future Student Suraksha | Medical expenses, dental expenses, maternity expenses, passport loss, treatment for mental & nervous disorders, tuition fees, bail bond, felonious assault, sponsor protection, and personal liability. |
IFFCO Tokio Travel Insurance
IFFCO Tokio Travel Insurance offers financial protection for emergencies faced during your travel or stay abroad.
| Name of Insurance Plan | Coverage Offered |
| International Travel Insurance | Medical expenses, daily hospital cash, check-in baggage loss/delay, financial emergency assistance, passport loss, flight hijack, personal liability, personal accident and dental treatment. |
| Pravasi Bharatiya Bima Yojana | Covers Indian emigrant workers in case of personal accident, medical expenses, repatriation of mortal remains, litigation expenses, a return ticket to India and maternity expenses to women emigrants. |
IndusInd Travel Insurance
IndusInd travel insurance (formerly known as IndusInd travel insurance) ensures a hassle-free journey, avoiding uneasiness and covering all travel-related perils. The plans have been formulated keeping in mind the various regions, which could also be customised for everyone.
| Name of Insurance Plan | Coverage Offered |
| IndusInd Travel Care Policy - Overseas | Medical expenses, loss of passport, total loss of checked-in luggage, trip cancellation and interruption, trip delay, compassionate visit, missed connections, and home burglary insurance. |
| IndusInd Travel Care Schengen Plan | Medical expenses, total loss of checked-in luggage, loss of passport, compassionate visit, and delay in checked-in luggage. |
| IndusInd Travel Care Asia Plan | Medical expenses, total loss of checked-in luggage, and loss of passport, trip delay, financial emergency assistance, and delay in checked-in luggage. |
| IndusInd Travel Care Policy Annual Multi-trip Plan | Medical expenses, loss of passport, delay in checked-in luggage, trip delay, total loss of checked-in luggage, trip cancellation and interruption, daily allowance, missed connection, home burglary insurance, and compassionate visit. |
| IndusInd Travel Care Student Travel | Medical expenses, study interruption, 2-way compassionate visit, total loss of checked-in luggage, and loss of passport. |
National Insurance Travel Insurance
National Insurance Travel Insurance can come to your rescue when you come across any unforeseen situation that threatens to ruin your overseas trip. You can opt for worldwide coverage, including/ excluding the USA or Canada.
| Name of Insurance Plan | Coverage Offered |
| Overseas Mediclaim Business and Holiday | Medical illness, personal accident, passport loss, check-in baggage delay/ loss, medical evacuation, personal liability, repatriation of remains and accidental disability. |
| Overseas Mediclaim Employment and Studies | Medical illness, medical emergency reunion, medical evacuation, contingency insurance, repatriation of remains, and check-in baggage delay/loss. |
New India Assurance Travel Insurance
New India Assurance Travel Insurance will provide you with adequate protection from any unfavourable situation during your international trip.
| Name of Insurance Plan | Coverage Offered |
| Overseas Mediclaim (Business & Holiday) | Medical & repatriation expenses, personal liability, personal accident, passport loss, and check-in baggage delay/loss. |
| Overseas Mediclaim (Employment & Studies) | Medical expenses, check-in baggage delay/ loss, repatriation expenses, passport loss, personal accident and personal liability. |
Oriental Travel Insurance
Oriental Travel Insurance allows you to travel abroad, leaving your worries behind.
| Name of Insurance Plan | Coverage Offered |
| Overseas Mediclaim - Business and Holiday | Medical expenses, baggage loss/delay, repatriation of remains, passport loss, personal accident, and personal liability. |
| Overseas Mediclaim - Employment and Study | Medical expenses, personal liability, personal accident, passport loss, repatriation of remains, and check-in baggage loss/delay. |
Religare Travel Insurance
Religare travel insurance ensures a perfect trip and provide you with cover for any financial emergency.
| Name of Insurance Plan | Coverage Offered |
| Explore Asia Travel Insurance Plan | Hospitalisation expenses, dental expenses, compassionate visits, loss of belongings, trip delay, and loss of passport, etc. across Asian countries. |
| Explore Africa Travel Insurance Plan | Medical expenses, pre-existing ailment, daily allowance, dental expenses, medical evacuation, loss of passport, loss of baggage, trip cancellation, trip curtailment, etc. |
| Explore Europe Travel Insurance Plan | Flight-cancellation, loss of passport, loss of checked-in baggage, delay of checked-in baggage, any expenses incurred due to hospitalisation, medical evacuation, incurred dental expenses, common carrier in accidental demise, pre-existing disease, compassionate visit, accidental hospitalisation with the double sum insured and much more are covered under the plan. |
| Explore Canada Travel Insurance Plan: Gold & Platinum (Worldwide Excluding the US) | Emergency medical expenses, dental expenses, medical evacuation, compassionate visit, trip delay, personal liability cover, upgrading to business class, and loss of belongings |
Royal Sundaram Travel Insurance
Royal Sundaram Travel Insurance provides comprehensive protection and peace of mind for to wide range of overseas travellers.
| Name of Insurance Plan | Coverage Offered |
| Travel Secure - Leisure Trip | Medical expenses, accidental death & disability, flight hijack, check-in baggage delay/ loss, return of a minor child, home content insurance, personal liability and trip delay/ cancellation/ curtailment and passport loss. |
| Travel Secure - Multi-Trip | Personal liability, medical expenses, dental sickness, emergency cash advance, bounced hotel/ airline booking, flight hijack, trip delay/ cancellation/ curtailment, passport loss and compassionate visit. |
| Travel Secure - Student | Medical expenses, dental sickness, laptop loss, pregnancy termination, child care, study interruption, cancer screening & mammography, bail bond, felonious assault and personal liability. |
| Travel Secure - Asia | Dental sickness, medical expenses, compassionate visit, flight hijack, personal liability, emergency cash advance, trip delay/ cancellation, check-in baggage loss/ delay and passport loss |
| Travel Secure - Senior Citizen | For travellers aged 60 years. Accidental death & disability, medical expenses, dental sickness, trip delay/ cancellation, political risk & catastrophe evacuation, airfare difference, passport loss and emergency cash advance |
SBI Travel Insurance
SBI Travel Insurance offers flexible single-trip and multi-trip policies for international business and holiday travellers.
| Name of Insurance Plan | Coverage Offered |
| Travel Insurance (Business and Holiday) | Covers medical expenses, passport loss, flight hijack, missed connection flights, home burglary, and personal liabilities. |
Shriram Travel Insurance
Shriram Travel Insurance offers protectection to travellers from unexpected emergency expenditures abroad.
| Name of Insurance Plan | Coverage Offered |
| Shri Travel | Medical expenses, missed connection flight, dental treatment, financial emergency assistance, check-in baggage delay/loss, flight hijack, passport loss, personal accident and personal liability |
| Shri Travel Plus | Medical expenses, travel delay, dental treatment, bail bond, check-in baggage delay/loss, passport loss, missed connection flight, trip curtailment/cancellation & interruption and personal liability |
| Shri Travel Elite | Personal accident, flight hijack, medical expenses, financial emergency assistance, personal liability, trip cancellation & interruption, missed connection flight, passport loss, travel delay and golfer's hole-in-one |
Star Travel Insurance
Star Travel Insurance will take care of all your travel worries so that you can make the most of your overseas trip.
| Name of Insurance Plan | Coverage Offered |
| Star Travel Protect Insurance Policy | Emergency medical expenses, flight hijack, legal liability, personal accident, trip cancellation/ interruption, check-in baggage delay/ loss, flight delay and passport loss |
| Star Student Travel Protect Insurance Policy | Emergency medical expenses, personal accident, personal liability, compassionate visit, sponsor protection, study interruption, baggage loss, dental expenses and passport loss |
TATA AIG Travel Insurance
TATA AIG Travel insurance covers you at every step of the journey you embark and from every possible adverse situation.
| Name of Insurance Plan | Coverage Offered |
| Travel Guard Insurance Plan | Emergency medical expenses, , loss of luggage, passport loss, flight cancellation or delay, , compassionate visit, legal liability, medical evacuation & repatriation |
| Student Guard- Overseas Health Insurance Policy | Passport loss, flight cancellation or delay, personal liabilityassault, maternity benefits, mental disorders treatment, nervous disorders treatment, cancer screening, study interruption, fraudulent charges, sponsor programs, and bail bond |
| Asia Travel Guard Plan | Medical emergency, accident, loss of baggage, personal liability and passport loss across Asian countries |
| Domestic Travel Guard Plan | Missed departure, accident and medical reimbursement, loss of tickets, personal liability |
United India Travel Insurance
United India Travel Insurance plans offers worldwide coverage including/ excluding USA & Canada.
| Name of Insurance Plan | Coverage Offered |
| OMP for Business and Holiday | Medical expenses, personal liability, personal accident, passport loss, check-in baggage loss/ delay. |
| OMP for Corporate Frequent Traveller | Medical expenses, check-in baggage loss/ delay, personal accident, personal liability and passport loss. |
| OMP for Employment and Studies | Medical treatment expenses only. |
Universal Sompo Travel Insurance
Universal Sompo Travel Insurance secures your trip from any unpredictable risks like medical emergencies and journey disruptions.
| Name of Insurance Plan | Coverage Offered |
| Travel Worldwide | Medical & dental expenses, flight hijack, personal liability, missed connection flight, passport loss, check-in baggage loss/ delay, financial emergency assistance, trip delay and personal accident. |
| Annual Multi-Trip | Medical expenses, home contents burglary, check-in baggage delay/ loss, missed connection flight, passport loss, trip delay/ cancellation, flight hijack, personal accident and financial emergency assistance. |
| Student Travel | Medical treatment, sponsor protection, personal liability, study interruption, personal accident, passport loss, compassionate visit, check-in baggage loss/ delay and daily hospital cash. |
| Travel Asia | Medical treatment, passport loss, personal accident, flight hijack, check-in baggage loss/ delay, personal liability, medical evacuation, dental expenses and repatriation of mortal remains. |
*Disclaimer: The list of insurers mentioned are arranged according to the alphabetical order of the names of insurers respectively. For more details on the features, benefits offered terms and conditions, please read the sales brochure carefully before concluding a sale.
Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. The list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
Travel Insurance Cost Breakdown
Your travel insurance cost depends on several factors like the destination you're going to, medical inflation, duration of travel, age of the insured, and sum insured selection.
- Asian Countries (e.g., Thailand, UAE): INR 600 to INR 1,800 for a 7-day trip.
- European / Schengen Region: INR 760 to INR 2,500 for a 10-day trip.
- USA / Canada: INR 1,267 to INR 5,000+ for a 10-day trip (due to high healthcare costs).
To secure the cheapest travel insurance without lowering coverage quality, buy travel insurance online directly after comparing quotes.
Over to You,
Remember, every travel insurance plan provider is different from the others, and so is the coverage being offered. There are several travel insurers offering international travel insurance India, so depending upon your travel needs, you can customise and select your plan.
Travel Insurance Policies in India: FAQs
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Q: Which travel insurance is best in India?
Ans: The best travel insurance in India depends on your destination, trip duration, and coverage needs. Top-rated insurers like TATA AIG, Bajaj Allianz, Reliance, etc., offer reliable policies with high sum insured limits. The best trip insurance plan should have cashless hospitalisation, lost passport assistance, and trip cancellation coverage. -
Q: What is the best travel insurance for international travel?
Ans: The best travel insurance for international travel should provide comprehensive medical coverage with atleast USD 100,000 - USD 500,000 sum insured, zero deductibles, baggage protection, and 24/7 emergency assistance. It should also meet any specific destination visa requirements, including Schengen and USA travel. -
Q: How can I get the cheapest travel insurance in India?
Ans: To find the cheapest travel insurance india offers, compare travel insurance policies online on Policybazaar. Adjust your sum insured based on destination healthcare costs, select plans with mandatory core covers, and buy travel insurance online directly to avoid agent fees. -
Q: How much does travel insurance cost in India?
Ans: The average travel insurance cost ranges from INR 300 to INR 1,200 for short Asian trips, and INR 1,500 to INR 4,500 for trips to the USA or Europe. However, the cost is determined by traveller's age, total trip duration, coverage, and the destination country's healthcare expenses.
Does any of the traveller have any pre-existing medical condition like BP, diabetes etc? See what it means ›
Now covers COVID-19
- No medical checkup required
- Pre-existing coverage available
- Instant Policy Issuance
- Medical expenses, Trip cancellation/delay, Loss of baggage & Passport etc.
- 24x7 claims support
* Price shown is for a 90 day trip to Thailand with 50,000 dollar coverage for an adult of age 25 years
