Travel Insurance
Travel Insurance
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Plans include global Covid-19 coverage

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Safety is not expensive, it's priceless!
Travel Insurance plans starting at just ₹30 per day*
  • 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 30 day trip to Thailand with 1 lakh dollar coverage for an adult of age 25 years

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How to Find Economical Travel Insurance Plans in 2024?

Travelling overseas is a stunning experience for most people. Especially if going abroad for the first time, you may feel a bit overwhelmed or unprepared for what to expect in a foreign land. While you do some homework about your destination, make sure to buy the correct overseas travel insurance plan without any unnecessary expenses.

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Top Travel Insurance Plans

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Plans for an individual of 30 years age travelling to USA for 15 days

With almost two years of pandemic and travel restrictions, international flights are being operated and most countries are reopening their borders. Many countries have made it mandatory for visitors to have a travel insurance plan because of the COVID-19.

You may be a student on a budget or an executive going on a packed business trip; who wants to spend more money than needed? The same goes with insurance plans, just because a plan offers a plethora of benefits does not mean you should go for it.

Here are some very easy ways to select the correct insurance plan without spending more than you need to:

Look for Appropriate Benefits

First and foremost, don't go for any plan that does not cover the most essential benefits. Make sure that your plan covers the bare necessities: health, personal safety and legal expenses. For example, if you find a plan offering baggage delay or loss benefits but not extensive medical care benefits, then you should take another look at its term. One of the biggest reasons to buy travel insurance is to avoid exorbitant medical or legal prices abroad. If needed, you should be able to claim for situations that are bound to cost a lot, instead of specific but minor issues.

Compare Different Insurers

Once you're sure about the kind of coverage you need, don't just look at one insurance provider. Instead, check different insurance plans being offered at the same price and select the one with maximum benefits. With so many travel insurance companies in India offering customizable plans, it's easy to become biased towards one. You must look at other insurers and pick the one with the maximum sum insured and coverage. This can be best done online through where many plans can be easily compared as per your budget and needs.

Go for Maximum Coverage Offered

Once you have the basic coverage, check the additional benefits. It doesn’t hurt to have a few added benefits if you’re paying the same amount elsewhere. For example, an adventure sports cover is usually offered as an optional cover which you need to purchase separately. However, some plans include this benefit as a part of their plan variants which may fit your budget.

Opt for Online Shopping

While buying anything in person has its advantages, consider browsing for your travel insurance plans online. Not only does it let you choose and compare different plans, but also saves a lot of time you would have otherwise spent commuting and waiting. It is also comparatively cheaper to buy a travel insurance plan online as the company is already saving on distribution costs and often offers a discount. You can also opt for an alert or newsletter to know when a sale or offer is available.

Use a Travel Insurance Premium Calculator

Suppose you’ve done your research and can’t choose between two or more plans, what will you do? Go for the least expensive one! To know the exact quote, you can easily use a travel insurance premium calculator. It is a handy and reliable online tool and will let you know the exact quotes of several plans so that you can easily pick the cheapest travel insurance plan.

Remember the 3C’s

While looking for a cost-effective travel insurance policy, look at three factors: Coverage, Claim settlement ratio and Customer Support. Your ideal policy must provide necessary coverage with dedicated customer support or a helpline to keep you safe. Finally, the most important part— make sure it has a good claim settlement ratio. This ratio is the key indicator of any insurance company's reputation. Make sure to opt for an insurer with fast and hassle-free claim settlements. It will save you a lot of disappointment and money later.

How to Save on Your Travel Insurance Premium?

Once you've sorted the best travel insurance plans for you, it's time to select the best one that you can afford. For this, you should go for the plans with the lowest travel insurance premium. Many times we select a plan which offers us all the required benefits but as soon as you check out to pay for it, you notice additional costs that weren't clear before. You can lower this premium through the following tips:

  • Most insurers offer three or more types of variants; standard, advanced and comprehensive. Some even offer special plans aimed at a different audience. A major difference in these is the sum insured and optional benefits. Go for a basic variant with sufficient benefits instead of an expensive variant with benefits that you don't need.
  • Be careful of optionals, also called add-ons. Add-ons are small but tempting benefits that you can easily purchase at an additional premium. While they may seem inexpensive, buying two or more riders along with your travel insurance plan will surely cost you more than you anticipated.
  • Consider buying a multi-trip insurance plan if you travel often or a frequent flier. Most insurers have special quirks and plans for frequent fliers so that they don't need to buy plans often. They are also cheaper and valid for usually a year.

Why Do You Need Travel Insurance Policy?

The answer is in the question. To ensure that nothing goes wrong while you travel, a travel insurance plan is your best backup. The benefits of insuring your trip are many, so are the reasons. Most people have one or more of the following as their reasons to buy travel insurance:

  • For avoiding unpleasant experiences while abroad
  • A requirement to obtain a visa or enter the country planned, for example, Schengen nations
  • To get support in case of medical emergencies while abroad
  • To avoid paying out of pocket in case of any personal liability
  • To safeguard their health and wellbeing as well as those in the family, in case of any unfortunate event or personal accident
  • To avoid losses incurred due to flight cancellation or flight rescheduling
  • In case of theft, misplacement or loss of luggage, the insured can get reimbursed later
  • Protection from sky-high expenses abroad
  • For stress-free vacations and trips without getting affected by unanticipated events

All these are some of the most common but essential reasons to buy international travel insurance policy. However, don’t buy just any policy without comparing it on first. Keep in mind the tips shared above to save a lot of time and money!

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*Price shown is for a 30 day trip to Thailand with 1 lakh dollar coverage for an adult of age 25 years

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