Accidental & sickness medical expenses
Baggage Delay/ Loss
Trip Delay / Cancellation
Passport Loss
Emergency Medical Evacuation
Missed flights
Medical expenses
Passport Loss
Study interruption
Bail Bond , Personal Liability
Trip Delay / Cancellation
Compassionate visit
No medical tests
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International Travel Insurance

International Travel Insurance

International Travel Insurance is a type of insurance that offers coverage against medical expenses, trip cancellation, trip delay, and more. Overseas travel insurance takes care of all these mishaps during your trip to a foreign destination.

International Travel Insurance Providers offer different variants to fit into policyholder’s requirements. Overseas travel insurance has features such as loss of checked-in baggage; cashless hospitalization abroad, no medical test for individuals above 80 years of age, etc. are covered by most of the variants offered under this type of insurance.

Benefits of International Travel Insurance

Benefits of International Travel Insurance

Travel insurance may be the last thing on your mind when you’re creating travel plans but there are many advantages of buying travel insurance, particularly if you are travelling long haul. Let’s have a close look at benefits which you can enjoy with overseas travel insurance.

  • Emergency medical treatment and assistance: Overseas travel insurance provides cover in case of any medical assistance required while travelling. International travel insurance covers pre and post hospitalization expenses along with repatriation expenses.
  • Trip cancellation and trip interruption coverage: International travel insurance provides benefit in case of whole or partial trip cancellation by providing cost of your trip. It also provides coverage if your trip terminates due to any personal or professional reason.
  • Loss of Baggage: In case of loss or delay of baggage, insurance providers compensate insured by providing full amount of the lost baggage.
  • Legal liability coverage: International travel insurance provides coverage of legal liability arising from damage to a third party. It covers legal costs in case of involvement in legal suit.
  • Loss of important travel documents: Overseas travel insurance helps in case of loss of important travel documents like passport, tickets etc. It provides fees to reapply your documents.
  • Hospital cash: It pays daily allowance to the person in case of hospitalization, either due to sickness or an accident.
  • Repatriation of remains: It covers expenses incurred in moving the insured person to his/her country of residence.
  • Hijack distress allowance: Compensation is payable in the event of hijack of the common carrier in which the insured person is travelling. Insurer will pay allowance for each day of the hijack up to the total limits specified in the policy.
  • Personal accident: If you get hurt or die during trip, insurer will pay amount to compensate you or your loved ones.
  • Emergency financial assistance: Monetary assistance is provided if the insured loses all or substantial part of his travel funds due to theft, robbery or pilferage.

Want to know More? Read All benefits of International Travel Insurance Here

Inclusion & Exclusion in International Travel Insurance

Inclusions in International / Overseas Travel Insurance

  • Illness cover - If there is an event of unexpected illness, accidental injuries or death, then your international insurance will keep you protected overseas. It can be for any purpose, be it an international vacation, business trip, educational trip or a family trip
  • Loss of baggage, belongings and baggage cover - Full coverage in case you happen to lose or misplace your baggage after checking in
  • Trip cancellation and disruption cover -The major benefit that you get is, that you have all the expenses covered, which are incurred due to a delay in trip from the airline’s end, if it is exceeding 12 hours
  • Medical, accidental and financial emergency benefits - Loss or damage due to some natural calamities, medical expenses cover and also any financial problems arising from overseas employment. Personal inquiries or travel related accidental cover during the trip. If you succumb to any sort of permanent disabilities from an accident during the travel or on flight, it will be covered. Financial coverage for unanticipated requirement of cash, due to theft or robbery
  • Flight delays/cancellation - If your connecting flight is delayed for more than 3 hours and you happen to miss it, then you would get a reimbursement
  • Passport loss cover - Loss of passport or important travel documents. Reimbursement of cost incurred from obtaining a fresh or duplicate passport is also covered
  • Third party cover - Compensation for a third party in case your involuntarily actions result in someone’s demise, cause someone injury or damage to health or property
  • Legal cover - Coverage from any legal liabilities during your travel are taken care off by your insurer
  • Repatriation cover - Medical expenses incurred due to emergent evacuation to India for immediate treatment. If the policy holder happens to be hospitalized for more than a week, and the family member who came to visit you overseas, had to rush back to home country, then you would get the expense covered for the return ticket of the same family member
  • Death cover - In case of a sudden demise, the expenses for cremation and transporting mortal remains are covered under it
  • Dental cover - Dental treatment due to an injury is reimbursed
  • Theft cover - Any loss or damage occurring from house burglary in your absence
  • Hijack risk cover - Hijack distress allowance in case it is for more than 12 hours

Exclusions in International Travel Insurance

Exclusions in International / Overseas Travel Insurance

Have a quick rundown of the things which will not be included in your overseas insurance policy:

  • If your passport loss complaint goes unregistered with police authorities, then the damages or loss incurred won’t be covered.
  • You won’t be given medical cover, if, the pre-existing diseases were not disclosed/ declared before the commencement of the policy. Especially for those, who are above the age of 70 years
  • Expenses or any loss incurring from mental incapability, under depression or influence of alcohol or drugs, or any suicidal attempt. Also venereal diseases and patients of HIV/AIDS are not given a cover
  • If your purpose for travelling for medical treatment abroad
  • Also, if you are travelling without the recommendation of your healthcare provider
  • If you are diagnosed with any life-threatening diseases before the travel
  • Casualties or damages due to war or nuclear threats in the concerned country

Note: It is not the complete list of exclusions. For an exhaustive list, refer policy wordings.

Overseas Travel Insurance Coverage

Overseas Travel Insurance Coverage

Usually, overseas travel insurance is taken at the time of booking of a trip. It covers individual risks such as medical protection, financial coverage or any other loss. Travel insurance offers below coverages:

  • Student Travel cover: It provides cover to student who has gone to other country for studies.
  • Business Travel cover: It covers business traveller who has gone to attend any conference or onsite work.
  • Holidays/Leisure travel: People travelling to other country on a leisure trip are covered under travel insurance.

International Travel Insurance Claim

How to File a Claim for International Travel Insurance?

Claiming travel insurance is easy and non-complicated. One should inform their overseas travel insurance provider at the time of medical assistance while travelling. Every insurance provider has its own medical team which will make sure that your injury or illness is a non-pre-existent. Claims not intimated to providers can be rejected. Insurance providers also ask to submit claim forms with your personal and journey details.

International Travel Insurance Eligibility

International Travel Insurance Eligibility Criteria

Before the issuance of the policy, the policy applier has to meet certain criteria’s as mentioned below:

  • Anyone who is 3 months - 60 years of age can be covered under the individual travel insurance policy
  • The age limit for a family member under the family policy is also similar as above, that is minimum 3 months and maximum 60 years
  • The policy gives a cover to a maximum of 4 dependent individuals ( who can be the insured person himself/herself, spouse, two children up to 21 years of age)
  • There are two types of family insurance plans for overseas travel - one provides cover to all the family members under the comprehensive sum insured, and in the other one the sum insured is divided amongst each member
  • Students between the age group of 16-40 years can buy the overseas insurance policy. It is required for them to be enrolled at the concerned university, from where they are pursuing higher education. Indian students, who are already studying at a university overseas, also qualify for the same
  • Senior citizens up to the age of 85 years can be covered without pre-medical screening under senior citizen travel insurance plan
  • For Schengen travel insurance, people up to the age of 70 years and infants above 3months are eligible, only for business or vacation purposes

Buy International Travel Insurance

Compare & Buy Best International Travel Insurance Policies in India

Overseas Travel Insurance Companies Entry Age (Min-Max) Pre-Medical Tests What’s Covered? What’s Not Covered?
Reliance International Travel Insurance Plan Anyone who is 6 months- 70 years old Not Mandatory
  • Passport and baggage loss, flight delays/cancellation, hijack cover, etc.
  • $2 lakhs personal liability cover or up to 50% of the assured sum limit
  • $25,000 accidental cover or up to 10% of the assured sum limit
  • Claim for loss/damage cover for injuries due to professional sports activities like swimming, mountaineering, racing etc.
  • Damage or loss incurring from criminal activities
  • Damage or loss from nuclear or civil war
  • Damage while travelling in a unlicensed aircraft
  • Military, Air force, and Navy personnel cannot be covered under the policy
TATA AIG Travel Guard  Insurance Plan People upto 70 years of age N/A
  • Hospitalization Indemnity
  • Trip Delay/Baggage Delay/Checked Baggage Loss/ passport loss
  • Sudden death of the traveler or even dismemberment
  • Hijack cover
  • Medical/dental care expenses
  • Traveling against your healthcare providers’ advice
  • Pre-existing medical conditions
  • Travelling overseas for medical treatment
  • Suicidal attempt, HIV, AIDS, mental disabilities etc.
  • Damage or loss under conditions of nuclear attack, war, and also while performing dangerous sports activities
Royal Sundaram Overseas Travel Insurance People upto 75 years of age N/A
  • Overseas hospitalization cover, passport/visa/baggage loss, trip/flight delay or cancellation
  • Accidental death and dismemberment
  • Emergency cash requirement overseas
  • Repatriation expenses
  • Emergency dental care expenses
  • Pregnancy related complications
  • Treatment cost of pre-existing illnesses
  • Non-allopathic treatment
  • Suicidal attempt due to psychiatric disorders, accident due to intoxication 
Apollo Munich Overseas Travel Insurance Anyone who is 6 months to 70 years old Only if you are 70 years or above, otherwise it’s not necessary
  • Overseas medical expenses/ emergency treatment
  • Dental treatment under emergency situations
  • Hospitalization/medical expenses
  • Personal accident cover
  • Trip cancellation or flight delays, passport loss or loss of  checked baggage
  • Inconvenience caused due to hijack
  • Suicidal attempt under the influence of alcohol, drugs or depression
  • Complications related to pregnancy conditions
  • Non-allopathic treatments
Religare explore International Travel Insurance Anyone who is 3 months to 60 years old N/A
  • Medical/dental emergencies
  • Personal accident cover/ fatal damages/ sudden demise of the traveller
  • Common carrier accidental death
  • Repatriation costs
  • Flight cancellation/ loss of passport/ travel documents/ checked baggage
  • Pregnancy complications/pre-existing illnesses
  • personal cosmetic surgeries apart from accident
  • Any loss/damage not reported within 24 hours of the event
  • Unchecked baggage
  • Accidents incurred due to life-threatening activities like hiking, skiing, mountaineering etc.
Chola Overseas Travel Protection Policy Individual cover from 6 months to 71 years of age. For senior citizens the age limit is upto 80 years N/A
  • Flight delay/ trip cancellation/ loss of checked baggage
  • Cost incurred in acquiring duplicate passport if lost
  • Personal accident cover/ sudden demise or permanent dismemberment
  • Pre-existing medical conditions
  • Damage or loss incurred under the influence of alcohol, drugs or any other intoxicants
  • Self-destruction due to psychiatric disorders
  • Medical emergency/ complications due to pregnancy/ abortion etc.
IFFCO Tokio Overseas Travel Insurance Policy N/A Mandatory if you are 70 years or above. Else, it is not required
  • Overseas hospitalization/ medical expenses as well emergency dental treatment
  • Emergency cash requirement overseas
  • Loss of passport/visa/checked baggage
  • Personal accident/liability cover
  • Trip/flight cancelation/ delay
  • Pre-existing illnesses
  • Army, Navy or Air force  personnel cannot file a claim
  • Damages incurred due to war, attacks, terrorist activities etc.
  • Health hazards due to radioactive, ionizing acts etc.


How You Can Buy International Travel Insurance Premiums

How can you buy International Travel Insurance?

You need to fill all the credentials of the insurance application as mentioned in your passport. Though the main information required would be your full name, date of birth, email address, mobile number, date of travelling, ticket details, and your passport number. You would also need to mention the assignee or the beneficiary, in unfortunate incidences of death or dismemberment during travel.

You can follow these easy steps to purchase your international travel insurance policy online -

  • Simply visit the website of policy bazaar, go to their homepage and click on the travel icon
  • You will get a dropdown to fill the required details, basis which insurance plan you have selected – Individual plan or family plan, student travel insurance or group insurance plan
  • Follow the instructions and choose the required plan as per your requirements
  • Then submit your personal information, name, email address, date of birth and contact number

International Travel Insurance Renewal

Process to Renew International Travel Insurance Policy Online

Every insurance company offers its customers broad range of payment methods, which they can choose as per their convenience and requirement. You can easily renew your international travel insurance policy online via internet banking or by using debit or credit cards as well.

Have a look at these 2 methods which you can sue to renew your international insurance policy online.

  • Instant renewal - It is quick and convenient option, you simply need to put in your policy details and authorize the payment with your bank account via internet banking, debit or credit card.
  • Easy Sign-up - You simply need to login to your customer account with your insurance company. Login with your user name, enter password to access your policy updates and information. Once you are done, you need to authorize payment with the selected payment method.

Travel Insurance Comparison Portal

What makes PolicyBazaar a Preferred Insurance Comparison Portal?

Enter basic details about your trip and get custom comparison of prices and available insurance options. Helping business and leisure travelers alike in solving travel related glitches, PolicyBazaar’s global reach and proven operational abilities allow travelers to get complete peace of mind. We will help you compare and select the best international travel insurance plan with optimum premiums so that you get right protection while travelling.

Online International Travel Insurance

5 Reasons why you should rely on our services-

  • Instant premium from a wide range of available insurance companies
  • Compare travel insurance plans of different companies
  • Our comparison results are unbiased
  • Get all information about travel insurance at free of cost
  • Buy travel policy instantly

Countries that Need Travel Insurance

UK Travel Insurance

UK travel insurance comes in handy in offering unique insurance protection while you are busy in exploring. The UK with its diverse scenic beauty and cultural heritage offers a range of travel goals that could be missed. Stay safe with UK travel insurance against travel emergencies while chasing your dreams.

USA Travel Insurance

Travelling to the USA brings lots of excitement as this destination hosts some amazing spots to treat your eyes or to keep our itchy feet to rest. However, amidst all excitement, you should not ignore that fact that you may be exposed to certain travel risks such as flight delay, trip cancellation, medical emergency etc. With USA travel insurance you can cover these incidents to keep your travel plan intact.

Australia Travel Insurance

Does your bucket list for next travel destination include travel insurance? No, you are doing a blunder the. Apart from deciding which cities to visit while in Australia or what type of sports activities to do, you should ensure Australia travel insurance to keep your trip safe. With travel insurance you can cover your most exotic trip abroad against travel risks such as medical emergency, evacuation, flight delay/cancellation, personal liability, repatriation and so on.

Singapore Travel Insurance

This South Asian country hosts some amazing destinations for globetrotters who which to chase the excitement and thrill. The world-class theme parks, iconic waterfront, night safari, hidden gems, lush greenery etc. are some of the prime attraction. But what is something go wrong and all your planning go waste? What if you have to cancel the trip, is your trip is covered well enough for such a situation. If not do it with Singapore travel insurance right away.

Malaysia Travel Insurance

Dynamic landscape, mesmerizing beaches, tranquil islands, extensive wildlife with extensive rainforests, mouth-watering local foods etc. are something that define Malaysia. It is a different level of excitement to witness captivating cityscapes, captivating cityscapes or other amazing views of this place. And if you are planning such an exotic trip then why don’t secure it with Malaysia travel insurance? Don’t you want to keep your most exotic trip of life safe?

Fly safe and Enjoy your Vacation with International/Overseas Travel Insurance


Should I buy travel insurance before booking a flight?


You can buy travel insurance anytime, even if you haven’t done your flight bookings. However, buying as soon as possible after paying for your tickets is recommended so that to cover your trip against unforeseen happenings between your flight bookings and departure date.


What is insurance for old people?


There is no set age for travelling and exploring new places. When younger people can roam around freely, senior citizens may find globetrotting quite difficult with age. Prior precaution is what recommended by the experts.  In this regard, old age people can cover their trips with senior citizen travel insurance that covers the insured for medical emergencies and other non-medical risks associated with travelling.


What is the best travel insurance for international travel?


If an international trip is in the cards, don’t forget to insure it with a travel insurance plan. You can consider plenty of insurance companies and compare their plans according to your travel needs. In this regards, here’s the list of top travel insurance companies in India to consider:

1. Tata AIG Travel Insurance

2. Bajaj Allianz Travel Insurance

3. Reliance Travel Insurance

4. Apollo Munich Travel Insurance

5. Bharti AXA Travel Insurance


Can I get travel insurance for my parent for a visit to Australia to undergo dialysis?


If the purpose of your travel is especially for getting medical treatment, be it surgery or other treatments, the insurer will not cover you for the same.


Are business travellers eligible to buy travel insurance?


Yes, travel insurance plans are of two purposes, leisure and business trips. Business travellers who go abroad on a frequent basis can opt for multi-trip travel insurance plan.


How do I know about the network hospitals to avail cashless treatment?


In case of any medical emergency or hospitalisation, you can call on the international toll-free number given in your policy document. They will assist you with a required list of hospitals.


What is a daily allowance?


If the policyholder is hospitalised for more than 2 days, a pre-decided amount will be compensated as daily allowance. You can claim this benefit only once during the policy tenure. This will help you avail quality healthcare abroad. It will also take care of your family with their travel expenses  for hospital visits.


What are the points to consider while buying overseas travel insurance?


First of all, you need to analyse your requirement. If the policy benefits meet your requirements, then go for it. Here you need a thorough research and comparison of plans before zeroing in on something.


Is a health check-up essential before the policy is bought?


Mostly, insurance companies don’t cover pre-existing illness, so you require a medical check-up done prior to taking up a policy. However, it completely depends on the insurer and policy terms.


How can I renew my lapsed policy?


A policy renewal is only possible in case of multi-trip policies. You can ask your insurer by calling on the toll free number when the due date arrives.


What is the maximum trip duration covered under this plan?


International travel plan covers you for a maximum of 180 days while travelling. This is extendable up to another 180 days. However, it may vary insurer to insurer.


Do I need separate travel insurance for Schengen countries?


Yes, you’ll need a separate plan to cover Schengen countries because product requirements are different and normal international travel insurance would not be valid for a Schengen country.


How to file a claim for international travel insurance?


The claiming process is easy. When an emergency arises, inform the overseas insurance provider ASAP. The insurance surveyor will make sure that the injury or illness is not pre-existent. Once your claim has been registered, a reference number will be provided for future reference. Follow the insurer’s guidance hereafter.