Best Travel Insurance Companies in India

With so many travel insurance companies in India, it can be overwhelming to select a suitable plan for your trip. Ideally, your trip insurance should cover financial losses due to flight delays, medical expenses, passport and baggage loss and more.

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Plans include global Covid-19 coverage

  • Accidental & sickness expenses
  • Baggage Delay / Loss
  • Trip Delay / Cancellation
  • Passport Loss
  • Emergency Medical Evacuation
  • Missed flights
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    Picking the Best Travel Insurance Company

    To ensure that you have the best travel insurance policy, take care of the following before you zero down a plan:

    • Compare Travel Insurance Online: Today almost all travel insurance companies are accessible online.  Make sure to compare the benefits, cover, and quotes offered by the different travel insurance companies before you buy a policy.
    • Should Cover Medical Expenses: Medical expenses in European and American countries are pretty high and may easily create a hole in your pocket. Therefore, opt for a travel insurance company that offers plans specific to countries meeting the requirements.
    • Analyse Different Features: In general, most companies offer almost similar features. Make sure to look for travel insurance plans with additional covers so that you get the best benefits.
    • Check Financial Capacity: Make this a thumb note of not going for an insurance company just because it is offering a low premium rate. Buying a travel insurance policy with inadequate benefits is not going to help you at times of emergency. Don’t forget to check the insurer’s incurred claim ratio as well as the claim settlement ratio to know their financial health. 
    • Confirm Claim Rejection: The claim rejection ratio varies from insurer to insurer; therefore, it’s advisable to go for the travel insurance company with a lower claim rejection ratio.

    Type of Insurance Based On your Travel Requirements

    Based on your travel requirements, the travel insurance companies offer different types of travel insurance cover, which are

    • Domestic Travel Insurance

      Opt for this plan if you travel frequently or have planned a vacation in another city. Especially, if you wish to secure yourself from personal as well as medical liabilities, during the travel time!
    • International Travel Insurance

      Besides other coverages, it gives you a comprehensive cover from the risk of a hijack, deportation, and also from medical and personal emergencies during your travel.
    • Corporate Travel Insurance

      This one is purchased by businesses and multi-national companies for employees who need to travel often. 
    • Student Travel Insurance

      This is for students who take admissions into colleges and universities overseas for higher studies. If there is a loss of passport, any medical emergency, disruptions in their studies or any other mishap, then this policy will keep them covered and insured.
    • Medical Travel Insurance

      This is a short-term travel insurance plan meant to cover the health and medical expenses in case of a medical emergency while travelling overseas. 
    • Family Travel Insurance

      This insurance policy is best suitable for family international trips. Get your whole family insured from personal and travel-related risks which may arise under a family floater. 
    • Senior Citizen Travel Insurance

      This plan is for the elderly within the age group of 61-80 years. As compared to normal plans, it specifically covers expenses that seniors may be prone to.
    • Individual/Group Travel Insurance

      There are plans which provide cover to an individual from travel-related emergencies and also a group of people travelling together. Group insurance saves a lot of money on premiums though.
    • Single/Multi-Trip Insurance

      Single trip insurance is for people taking only one trip, and they want to safeguard themselves from any unforeseen circumstances during that trip. Whereas, multi-trip is for frequent travellers to save them from personal and medical emergencies during the trip.

    Top Travel Insurance Companies in India

    Travel insurance is provided by several insurance companies in India. Here is a list of the best travel insurance companies in India that you may consider:

    List of Travel Insurance Companies

    Key Features

    Aditya Birla Travel Insurance

    • Medical Emergency Assistance
    • Automatic policy extension 
    • Baggage Loss

    Bajaj Allianz Travel Insurance

    • Baggage loss, flight delays, loss of passport
    • Covers personal and medical emergencies during the travel
    • Cashless hospitalisation abroad
    • Home Burglary Insurance

    Bharti AXA Travel Insurance

    • Loss of checked-in baggage 
    • Passport loss cover
    • Medical expenses & repatriation covered

    Cholamandalam Travel Insurance

    • 24X7 emergency and claim-related assistance
    • No pre-policy health check-up up to 65 years
    • All Purpose cover available along with coverage for international driving licence loss and a home burglary

    Digit Travel Insurance

    • zero deductibles
    • cover for adventure sports such as diving, bungee jumping, or scuba diving
    • covers the pre-existing ailments

    Future Generali Travel Insurance

    • Covers medical emergencies
    • financial assistance
    • Coverage against accidental death or permanent disability
    • Legal liability

    IFFCO Tokio Travel Insurance

    • Instant policy issuance
    • Cashless Treatment
    • Flight Delay

    National Insurance Travel Insurance

    • Sum assured up to USD 5,00,000
    • Coverage for medical evacuation 
    • Personal accident covered
    • Medical emergency reunion cover offered 

    New India Assurance Travel Insurance

    • No medical check-up up to 70 years
    • Option to choose destination-specific coverage 
    • Plans available for people travelling abroad for vacations, studying or work

    Oriental Travel Insurance

    • Sum insured up to Rs 5,00,000
    • Door-to-door coverage provided under student travel policies
    • Offers digitally-signed policy document instantly

    Reliance Travel Insurance

    • Cover declared pre-existing (life-threatening) diseases up to 70 years
    • Coverage for loss of passports & important documents.
    • Coverage for expenses related to trip delays & cancellations
    • No medical checkup required up to 80 years

    Religare Travel Insurance

    • Covers the pre-existing ailments
    • Compassionate visit
    • Daily hospital allowance 

    Royal Sundaram Travel Insurance

    • Covers medical expenses including hospitalisation expenses, OPD, local emergency medical transportation, doctor’s fees, etc.
    • Offers sickness dental relief
    • Emergency cash advance offered 
    • Automatic extension for up to seven days.

    SBI Travel Insurance

    • Sum assured up to USD 5,00,000 in case of medical costs 
    • Personal accident covers of up to USD 25,000
    • Home burglary insurance
    • Loss of checked-in baggage
    • Hijack cover

    Shriram Travel Insurance

    • Covers losses incurred due to missed connection flight
    • Offers 30-day extended medical treatment in India
    • Coverage for Bail Bond and Golfers hole-in-one provided

    Star Travel Insurance

    • No pre-health check-up required up to the age of 64 years
    • Maintains personal e-health record
    • Cashless claim settlements within one-hour
    • Free health magazines issued regularly to policyholders

    Tata AIG Travel Insurance

    • 15 days’ free look period for annual multi trip plans
    • Assistance Services
    • Accommodation charges due to trip delay

    United India Travel Insurance

    • Sum assured up to USD 5,00,000
    • Offers overseas as well as domestic travel policies
    • Offers a 10% discount on online purchase
    • Automatic 7-day policy extension

    Universal Sompo Travel Insurance

    • Sum insured up to Rs 5,00,000 
    • Covers the cost of diagnostic tests, X-ray, heat therapy, radiotherapy, etc.
    • Lump sum payment made in case of financial emergency and flight delay
    • Home burglary insurance offered

    Disclaimer: *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.


    • Q1. Which is the best company for travel insurance?

      Ans. With numerous travel insurance companies in India, there are different plans with varying benefits that you can choose from. The best company for travel insurance will depend on your budget, requirement, overall financial health and benefits that it is offering you.

    • Q2. Does travel insurance cover COVID-19?

      Ans. Yes, most travel insurance companies in India have started offering COVID-19 coverage benefits. However, it is best to confirm this with your insurer before you make any purchase.

    • Q3. Which insurance company is best at paying claims in India?

      Ans. Depending on the overall financial health, you can pick the best insurance company. Generally, insurers with a high claim settlement ratio mean that they pay out claims more often than they reject. For example, a company with 98% CSR means it honours 98 claims out of every 100 claims it receives.

    • Q4. Can I cancel my travel insurance policy?

      Ans. Yes, you can cancel your travel insurance policy in most cases. There may be some cancellation charges depending on your insurer.

    • Q5. How do I choose an insurance company?

      Ans. You can select an insurance company by comparing its benefits, prices and overall reputation with other companies. You can also check public reviews to get a better idea.