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
Instant policy

International Travel Insurance

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

International Travel Insurance

International travel insurance companies 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

Travel insurance may be the last thing on your mind when you’re creating travel plans but there are many advantages when you buy international travel insurance online, particularly if you are travelling long haul. Let’s have a close look at the benefits and we recommend you to buy the best overseas travel insurance online and enjoy a hassle-free experience:

  • Emergency Medical Treatment and Assistance: Availing this feature is beneficial as it provides cover in case of any medical assistance required while travelling. Moreover, it also covers pre and posts hospitalization expenses along with repatriation expenses. An international travel medical insurance is a variant of travel insurance policy, which protects the traveller against any medical contingencies.
  • Trip Cancellation and Trip Interruption Coverage: This provides benefit in case of whole or partial trip cancellation by providing the 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, the insurance company would provide a complete amount to the policyholder in account of complete or total loss.
  • Legal Liability Coverage: This provides coverage of legal liability arising from damage to a third party. It covers legal costs in case of involvement in a legal suit.
  • Loss of Important Travel Documents: You can buy the best overseas travel insurance online, which makes the process more convenient in case of loss of important travel documents like passport, tickets etc. It provides fees to reapply your documents.
  • Hospital Cash: It pays a daily allowance to the person in case of hospitalization, either due to sickness or an accident. This feature is usually covered under any international travel health insurance.
  • 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 the hijack of the common carrier in, which the insured person is travelling. The 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 the trip, the 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

International Travel Insurance Inclusions

  • Illness Cover - If there is an event of unexpected illness, accidental injuries or death, then your travel insurance policy 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 the 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 the cost incurred from obtaining a fresh or duplicate passport is also covered
  • Third-party Cover - Compensation for a third party in case your involuntary 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 is taken care off by your insurer
  • Repatriation Cover - Medical expenses incurred due to emergent evacuation to India for immediate treatment. If the policyholder happens to be hospitalized for more than a week, and the family member who came to visit you overseas, had to rush back to the 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
  • Compassionate Visit - In case of hospitalization for an extended period, the cost of transportation and boarding of one family member of the insured will be covered
  • Trip Delay - Any delay in commencement of trip due to unavoidable emergency such as hospitalization of a family member or occurrence of a natural calamity, etc.
  • Missed Connection Flight Cover - In case connecting flight is missed due to delayed arrival of an inward flight in, which the insured is travelling
  • Delay in Baggage Arrival - Reimbursement of expenses incurred due to delayed arrival of check-in baggage by the airline
  • Home Burglary Insurance - Compensation for the loss of valuables if the insured’s house is burgled during his international trip

Buying cheap international travel insurance does not mean that you need to compromise on the coverage. A travel insurance policy is of no use if it does not secure you at the time of need. Therefore, when buying international travel insurance compare the quotes and coverage and make a wise choice.

International Travel Insurance Exclusions

Have a quick rundown of the things, which will not be included in your travel 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 of travelling is 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 your 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.

Types of International Travel Insurance Plans

Based on the frequency of travel, the travel insurance plan is broadly divided into two different categories:

Single Trip Travel Insurance

Single trip travel insurance is a type of insurance that covers the insured travellers for a single journey or trip. The validity of such policies culminates as soon as your overseas trip comes to an end. This type of international travel plan is available in different variants such as student travel insurance, senior citizen travel insurance, family travel insurance, medical travel insurance, etc.

Multi-Trip Travel Insurance 

Multi-trip travel insurance is the second type of insurance that covers the insured travellers for multiple trips spanning over a year. This type of travel insurance plan is meant for people who have to travel frequently. It helps to save the cost and efforts and with this way, you can avail a cheap international travel policy before the start of every overseas trip.

Based on geographic locations, travel insurance can be divided broadly into four types:

Schengen Travel Insurance

Schengen travel insurance is custom-made travel insurance for people who are travelling to one or more than one Schengen states. Schengen states refer to 26 European countries that together make the Schengen area, which is the world’s largest free travel area. Schengen travel insurance is available for a sum insured of EUR 30,000 or above as it is compulsory to get travel insurance equivalent to this amount to obtain a Schengen visa.

Asia Travel Insurance

Asia travel insurance is designed for people travelling to any of the Asian countries. This type of travel insurance is available for a lower sum insured amount due to comparative proximity to India.

Worldwide Overseas Travel Insurance Policy (Including USA & Canada)

Worldwide travel insurance including USA & Canada is a type of insurance, which can be purchased by people travelling to any part of the world including the United States of America and Canada. In most cases, this type of travel insurance does not cover the Schengen countries.

Worldwide Overseas Travel Insurance Policy (Excluding USA & Canada)

Worldwide travel insurance excluding USA & Canada refers to a type of travel insurance made for people travelling to any country in the world except the USA & Canada. Most travel insurance companies do not cover Schengen countries under this type of travel insurance.

Based on the type of travellers, various travel insurance plans are available in the following types:

Family Travel Insurance

Family travel insurance is a type of insurance policy meant for families who are travelling abroad together. All the insured members of the family can use the sum insured under this policy which is available in either individual or family floater basis. Most family travel insurance policies cover the policyholder, his spouse and up to two dependent children.

Student Travel Insurance

Student travel insurance is a type of insurance that has been specially designed for people travelling abroad to study in a foreign country. This type of travel insurance offers student-specific coverage such as study interruption, compassionate visit and sponsor protection. The validity of student travel insurance is generally for up to two years.

Senior Citizen Travel Insurance

Senior citizen travel insurance covers elderly people who are travelling overseas. Most travel insurance companies in India offer this type of policies to people above the age of 60 years.  

Group Travel Insurance

Group travel insurance is a type of travel insurance plan meant for large groups of people travelling abroad together. Most travel insurance providers offer this type of policy to a group of minimum 10 people. Such policies are usually opted by organizations and companies that organize tours, pilgrimage trips, industrial and educational training, etc.

Corporate Travel Insurance

Corporate travel insurance is a type of travel insurance policy that has been custom-made for corporate travellers. It covers the needs of a business traveller and usually comes with an extended validity of a year.

Medical Travel Insurance

Medical travel insurance covers an insured person travelling abroad against all types of medical emergencies. Such policies cover medical expenses incurred in the treatment of an illness or an accident injury. Most international medical travel insurance offers comprehensive coverage that includes daycare expenses, hospitalization expenses, cost of medical evacuation and repatriation of mortal remains.

Overseas Travel Insurance Coverage

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

  • Student Travel Cover: It provides cover to a student who has gone abroad 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 foreign countries on a leisure trip are covered under holiday/leisure travel insurance.

Benefits of Schengen Travel Insurance/ Worldwide Overseas Travel Insurance

Schengen travel insurance and worldwide travel insurance policies come with their own set of advantages. Take a look at some of their benefits below:

Medical Benefits

You can get the following medical benefits under your Schengen/ worldwide overseas travel insurance:

  • Medical expenses, including emergency evacuation and repatriation of mortal remains
  • Dental treatment expenses
  • Personal accident cover
  • Accidental death & dismemberment
  • Daily cash allowance in case of hospitalization
  • Compassionate visit

Travel Benefits

Following are the travel benefits that you can avail under your Schengen/ worldwide travel insurance:

  • Loss of check-in baggage
  • Delay of check-in baggage
  • Trip delay
  • Trip cancellation & curtailment
  • Flight delay
  • Missed connection flight
  • Hijack distress cover

Other Benefits

Other benefits that are also offered under your Schengen/ worldwide overseas travel insurance are:

  • Loss of passport
  • Loss of personal documents
  • Personal liability expenses
  • Home burglary insurance cover
  • Home fire insurance (contents) cover

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 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 Criteria

Before the issuance of the policy, the policyholder has to meet certain criteria, which are 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 a minimum of 3 months and maximum of 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 3 months are eligible, only for business or vacation purposes

Compare International Travel Insurance Cost & Buy Best Policies in India

Overseas Travel Insurance Companies Entry Age (Min to Max) Pre-medical Test Inclusions Exclusions
Reliance General Travel Insurance 06 months to 70 years Not Required
  • Cover for loss of Passport and baggage loss,
  • Cover for trip cancellation/ curtailment
  • Cover for hijack distress
  • Adventure activities or water-based sports
  • Any damage/ loss incurred from criminal activities
  • Nuclear or Civil war
  • Damage while travelling in an unlicensed aircraft
Religare Travel Insurance Up to 70 years old Not Required
  • Medical expenses
  • Loss or delay of check-in baggage
  • Personal liability cover
  • Double sum insured in case of hospitalization due to accidental injuries
  • Accidental death (common carrier)
  • Emergency medical evacuation
  • Repatriation of mortal remains
  • Pre-existing diseases after 2 years
  • Loss of personal documents
  • Trip cancellation or delay
  • Trip interruption
  • Compassionate visit
  • Flight ticket upgrade to business class
  • A waiting period of 30 days for all hospitalization claims except accidental injuries
  • Claims arising due to participation in adventure sports
  • Claims related to pregnancy, childbirth, abortion or miscarriage
  • Claims arising due to civil war, invasion, revolution
  • Treatment of self-inflicted injuries including suicide or attempt to suicide
  • A waiting period of 2 years for specific illnesses
  • Dental treatment/ surgery expenses
  • Cost of contact lenses, spectacles or hearing aids
Bharti AXA Travel Insurance 03 months to 60 years Not Required
  • Medical expenses
  • Emergency medical evacuation
  • Personal accident cover
  • Loss or delay of check-in baggage
  • Loss of passport
  • Pre-existing diseases/ conditions
  • Treatment expenses of cosmetic surgery
  • Claims arising due to participation in adventure sports
  • Passport loss intimated after 24 hours of its occurrence
  • Partial loss of any item inside the check-in baggage
TATA AIG Travel Insurance Up to 70 years Not Required
  • Medical expenses
  • Loss or delay of check-in baggage
  • Loss of passport
  • Personal accident cover
  • Hijack distress allowance
  • Personal liability cover
  • Trip delay or cancellation
  • Travelling to primarily receive medical treatment
  • Travelling against doctor’s advice
  • Pre-existing diseases/ conditions
  • Treatment of self-inflicted injuries including suicide or attempt to suicide
  • Treatment expenses of mental disorder, depression
  • Claims arising due to radioactive, ionizing or hazardous activities
  • Claims arising due to civil war, invasion, revolution
  • Treatment of STD
HDFC ERGO General Travel Insurance 06 months to 70 years For applicants above 70 years
  • Medical expenses
  • Loss or delay of check-in baggage
  • Loss of passport
  • Personal accident cover
  • Dental treatment expenses
  • Daily hospital cash
  • Flight delay
  • Hijack distress allowance
  • Claims due to use or abuse of intoxicants including alcohol
  • Treatment of self-inflicted injuries including suicide or attempt to suicide
  • Treatment expenses of mental disorder
  • Alternative treatment expenses
  • Claims related to pregnancy, childbirth, abortion or
Bajaj Allianz Travel Insurance Up to 75 years Not Required
  • Medical expenses
  • Loss or delay of check-in baggage
  • Trip cancellation or delay
  • Emergency cash advance
  • Claims due to use or abuse of intoxicants including alcohol
  • Treatment of self-inflicted injuries including suicide or attempt to suicide
  • Treatment expenses of mental disorder
  • Alternative treatment expenses
  • Claims related to pregnancy, childbirth, abortion or miscarriage
Digit Travel Insurance NA Not Required
  • Premium starts from Rs. 206
  • Zero Deductible
  • Provide cover for adventure sports activity such as bungee jumping, sky diving, etc.
  • Daily emergency cash
  • Smartphone enabled the claim process
  • Missed call and round-the-clock call back facility
  • When the delay is due to customs then no cover for delayed checked-in baggage
  • Trip cancellation wherein a visa is rejected
  • Extending the  trip due to childbirth and other such reasons
Royal Sundaram Travel Insurance Up to 75 years of age Not Required
  • Cover for incurred medical expenses including medical evacuation
  • Dental-related expenses
  • Compassionate visit
  • Accidental death or dismemberment
  • Repatriation of mortal remains expense
  • Pregnancy-related complications
  • Non-allopathic treatment
  • Self-inflicted injuries like suicide, etc.
  • Any pre-existing ailment
Future Generali Travel Insurance 6 months to 70 years,71 to 80 years (senior citizens) Not Required
  • Medical expenses
  • Loss or delay of check-in baggage
  • Loss of passport
  • Personal accident cover
  • Pre-existing diseases/ conditions
  • Claims due to use or abuse of intoxicants including alcohol
  • Treatment of self-inflicted injuries including suicide or attempt to suicide
  • Claims related to pregnancy, childbirth, abortion or miscarriage
SBI Travel Insurance 06 months to 70 years Not Required
  • Medical expenses
  • Loss or delay of check-in baggage
  • Loss of passport
  • Personal accident cover
  • Hijack distress allowance
  • Personal liability cover
  • Claims arising due to participation in the military, air force or naval activities
  • Claims arising due to civil war, invasion, revolution
  • Claims arising due to participation in adventure sports
  • Claims arising due to involvement in criminal activities

You can avail best overseas international travel insurance from India. All you need to do is research, analyze and compare. With a few efforts and investing time, you get with the best international travel insurance in India.

How Can You Buy International Travel Insurance Online?

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 buy international travel insurance online -

  • Simply visit the website of, 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

Process to Renew International Travel Insurance Online

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

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

  • Instant Renewal - It is a 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. Log in with your user name; enter a password to access your policy updates and information. Once you are done, you need to authorize the payment with the selected payment method.

What Makes PolicyBazaar a Preferred Insurance Comparison Portal?

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

5 Reasons Why You Should Rely on Our Services

  • Check Premium Rate Instantly - By using PolicyBazaar, you can instantly get premium rates from a wide range of available insurance companies in India. You don’t have to visit the official websites of different travel insurances providers to check the premium rates offered by each one of them. This helps you save a lot of time and efforts.
  • Compare Different Travel Insurance Plans - PolicyBazaar allows you to compare the various travel insurance plans offered by different insurance companies in one place. You can easily check the degree of coverage offered by various travel insurance plans and compare their premium rates. This helps you to find a suitable plan that offers maximum coverage in minimum premium cost.
  • Get Unbiased Comparison - PolicyBazaar strives to provide all prospective travellers with a fair comparison of different travel insurance plans. Our comparison results are unbiased and impartial. We give you a clear picture of actual coverage and the premium rates so that you can make an informed decision when buying a travel insurance plan.  
  • Get Information for Free - Another benefit of using PolicyBazaar is that you get all information related to different travel insurance policies free of cost. You don’t have to pay a penny to access any information and can obtain it from within the comforts of your house.  
  • Buy Travel Insurance Policy Instantly - PolicyBazaar not only allows you to check and compare the intricacies of various travel insurance plans but also lets you buy the apt policy, which suits your travel requirements. You don’t have to visit the website of the insurance providers separately but can instead fill up proposal form and pay your insurance premium at PolicyBazaar.

Fly safe and enjoy your vacations with the best overseas travel insurance from India.

Best Overseas Travel Insurance From India

Travel Insurance for the USA Travel Insurance for Canada Travel Insurance for Germany
Travel Insurance for Malaysia Travel Insurance for Singapore Travel Insurance for Hong Kong
Travel Insurance for the UK Travel Insurance for Japan Travel Insurance for Thailand
Travel Insurance for Australia Travel Insurance for UAE Travel Insurance for Dubai
Travel Insurance for Sri Lanka    


  • Q: Should I buy travel insurance before booking a flight abroad?

    Ans: You can buy travel insurance policy at any time, even if you haven’t booked your flight bookings. However, buying as soon as possible after paying for your tickets is recommended to cover your trip against unforeseen happenings between your flight bookings and departure date & many more.
  • Q: What is travel insurance for old people?

    Ans: 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 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.
  • Q: What is the best travel insurance for international travel?

    Ans: 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:
    • Reliance Travel Insurance
    • Religare Travel Insurance
    • Bharti AXA Travel Insurance
    • Tata AIG Travel Insurance
    • HDFC ERGO General Travel Insurance
  • Q: Can I get travel insurance for my parent for a visit to Australia to undergo dialysis?

    Ans: If the purpose of your travel is especially for getting medical treatment, is it surgery or any other treatments, the insurer will not cover you for the same.
  • Q: Are business travellers eligible to buy travel insurance?

    Ans: Yes, travel insurance plans are of two purposes, leisure and business trips. Business travellers who go abroad frequently can opt for a multi-trip travel insurance plan.
  • Q: How do I know about the network hospitals to avail cashless treatment?

    Ans: In case of any medical emergency or hospitalisation, you can call on the international toll-free number mentioned in your travel insurance policy document. They will assist you with a required list of network hospitals.
  • Q: What is a daily allowance?

    Ans: 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 of quality healthcare abroad. It will also take care of your family with their travel expenses for hospital visits.
  • Q: What are the points to consider while buying an overseas travel insurance online?

    Ans: First of all, you need to analyse your requirement. If the policy benefits meet your requirements, then go for it. Here you need thorough research and comparison of travel insurance plans before zeroing in on something.
  • Q: Is a health check-up essential before the policy is bought?

    Ans: Mostly, insurance companies don’t cover pre-existing illness, so you require a medical check-up done before taking up a policy. However, it completely depends on the insurer and policy terms.
  • Q: How can I renew my lapsed policy?

    Ans: 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.
  • Q: What is the maximum trip duration covered under an overseas travel insurance plan??

    Ans: 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.
  • Q: Do I need separate travel insurance for Schengen countries?

    Ans: Yes, you’ll need a separate plan to cover Schengen countries because product requirements are different and even buying the best international travel insurance would not be valid for a Schengen country.
  • Q: How to file a claim for travel insurance?

    Ans: 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.
  • Q: Why do I need travel insurance policy?

    Ans: It is important to get a travel insurance policy for your foreign trip because it protects you and your insured family members against any unforeseen emergency that may require medical and financial assistance. It allows you to travel carefree and ensures that nothing obstructs your travel plans. Moreover, many countries have made it compulsory for foreigners to possess a travel insurance policy to get a visa for that country.
  • Q: Do you need travel insurance for international flights?

    Ans: There is no compulsion towards buying a travel insurance policy for international flights. However, it is recommended to all travellers to buy travel insurance before their date of departure from India for any international location. This is because a travel insurance policy will keep them protected against any flight-related emergencies including delay or loss of check-in baggage, flight hijack, trip cancellation & curtailment, flight delay, trip delay and missed connection flight.
  • Q: Can you buy travel insurance after booking a flight?

    Ans: Yes. Many insurance providers allow you to buy travel insurance after booking your flight. However, make sure that you buy it before you commence your overseas trip from India.
  • Q: Is it worth to get travel insurance?

    Ans: Buying travel insurance is one of the best pre-trip decisions that you can take to ensure a smooth trip for yourself. Travel insurance acts as a safety shield that guards you against any eventualities that you may face during your trip. It not only covers any unforeseen emergency expenses that you may incur during your trip but also provides any assistance required. Also, it helps you obtain the visa for your destination country as it is compulsory to get one in many countries across the globe.
  • Q: If I buy the best international travel insurance online, what will the policy cover?

    Ans: When travelling overseas, choosing a comprehensive travel insurance policy covers a variety of risks that an insured traveller may come across during their overseas trip. Some of these risks are medical expenses, dental expenses, trip delay, personal accident, trip cancellation & curtailment, medical evacuation, missed connection flight, delay or loss of check-in baggage, flight delay, repatriation of mortal remains, loss of passport, personal liability, emergency financial assistance, flight hijack, daily hospital cash and many more.
    1. How buying international travel medical insurance beneficial?


    The following are the benefits of buying international travel medical insurance:

    1. Provides medical assistance at remote places
    2. Provides coverage for every single traveller
    3. Cover for every medical expense incurred
    4. Peace of mind
  • Q: Does my health insurance cover international travel?

    Ans: Most domestic health insurance policies do not cover any medical expenses incurred during your international trip. You need to check with your health insurer if they provide coverage during your overseas trip. However, it is wiser to purchase comprehensive travel insurance to stay covered for any medical expenses that you may incur during your trip abroad.
  • Q: Can I get travel insurance if I’m already overseas?

    Ans: In case, where you have already started your trip and reached overseas you cannot buy a travel insurance policy. However, you can check individual travel insurers to know if they have such provisions.
  • Q: Is travel insurance a one-time payment?

    Ans: Yes. The premium for a travel insurance policy has to be paid only once at the time of purchasing the policy. You will not get an option of part payment or monthly instalments when it comes to making premium payment of travel insurance.
  • Q: Can I buy travel insurance on the day of travel?

    Ans: No. You cannot buy travel insurance on the day of your travel from India. You need to purchase the same at least a day before your scheduled date of departure. The best international travel insurance cost would differ from insurer to insurer.
  • Q: How long does travel insurance take to process?

    Ans: All travel insurance is immediately processed. You can receive your policy document within hours of submitting your travel insurance form and making the premium payment.
  • Q: Does travel insurance cover airfare?

    Ans: Yes. Choosing the right travel insurance policy covers the cost of airfare in case of an emergency or eventuality leads to a flight delay, flight cancellation or curtailment of your trip. It also compensates the cost of airfare if you end up buying tickets for another flight due to delay in inward flight arrival and missed connection flights.
  • Q: Does travel insurance cover trip cancellation?

    Ans: Yes. Almost all travel insurance policies offer coverage against trip cancellation due to any unavoidable reason or emergency.
  • Q: Can I buy travel insurance if I am going on a work permit abroad?

    Ans: Yes. Many insurance companies offer travel insurance if you are travelling abroad on a work visa. However, you should check with your insurer if they cover people travelling abroad for work or not.
  • Q: Can I buy travel insurance if I have an immigration visa?

    Ans: Yes. Most insurance providers allow people to buy travel insurance even if you have an immigration visa. You only need to confirm with your travel insurer if they offer one-way travel or not.
  • Q: What are an Emergency Assistance Service provider/ Third Party Administrator?

    Ans: An Emergency Assistance Service provider/ Third Party Administrator is a third party company that offers services and assistance to the insured travellers overseas on behalf of their travel insurers. Many emergency assistance providers also settle claims on behalf of the travel insurance company.
  • Q: Can I be issued more than one travel insurance policy for the same trip?

    Ans: No. Each traveller can be issued only one travel insurance for a single overseas trip.
  • Q: Is it mandatory for me to be in India at the time of buying travel insurance?

    Ans: Yes, all the travellers must be in India at the time of buying a travel insurance policy.
  • Q: Which documents are required to buy the best international travel insurance?

    Ans: No documents are required to buy a travel insurance policy in India. You can apply for the insurance online and get a soft copy of your policy document on your email.
  • Q: How can I cancel my travel insurance policy?

    Ans: You can cancel your travel insurance policy by providing policy information, a letter stating the reason for cancellation as well as a photocopy of the passport. You may also have to pay the cancellation charges.
  • Q: Will I get a refund if I cancel my policy?

    Ans: You will be entitled to get a refund if you cancel your travel insurance policy. You will get –
    1. Full refund if you cancel the policy before the start date of the risk period
    2. Partial refund deducting the cancellation charges if cancelled after the policy risk start date
    3. Remaining premium amount minus the cancellation charges if the policy is cancelled after the risk start date and post your international travel
  • Q: Will extending the policy affect my international travel insurance cost?

    Ans: Usually, a travel insurance policy can be extended once before the end of the policy tenure. However, the exact number of times that you can extend your policy and the cost depends on your insurance company and you should confirm with your travel insurers.
  • Q: If I return to India earlier than scheduled, will I get a partial refund?

    Ans: Yes, you will get a partial refund if you return to India earlier than scheduled. You will get the remaining amount of your premium after deducting the cancellation charges.
  • Q: How am I covered if I meet with an accident and get injured abroad?

    Ans: In case you meet with an accident during your overseas trip and get injured or suffer a loss, you will be covered up to your sum insured amount by your travel insurance policy. All your medical expenses including hospitalization expenses and medical bills will be covered by your travel insurer. If there is a need to shift you to another hospital, the ambulance expenses will be covered by your insurer. If unfortunately, you suffer from total permanent disability or die as a result of the accident, you or your family will be adequately compensated for the loss by your insurance company. Moreover, your insurer will also cover cremation expenses abroad and also repatriate the mortal remains back to India.
  • Q: Can I extend my travel insurance policy?

    Ans: Yes, you can extend your travel insurance up to the maximum number of days allowed under your policy tenure.
  • Q: What if I meet with an accident while gliding or scuba diving?

    Ans: Most insurance companies in India do not cover injuries arising out of adventure sports activities unless you purchase additional cover for adventure sports. It is best to confirm with your travel insurance how you can be covered against an injury caused due to participation in adventure activities.
  • Q: Will I be covered if I get injured while playing a sport like golf or cricket for leisure?

    Ans: If you get injured while playing a sport as leisure and not as an official sporting competition, you will be covered under the personal accident cover of your travel insurance policy.
  • Q: If I buy international travel insurance online, will it cover the cost of dental treatment?

    Ans: Yes. The cost of your dental treatment incurred during your trip abroad will be covered by your travel insurance policy.
  • Q: How will my travel insurance policy help me if I lose my passport?

    Ans: If you lose your passport during your overseas trip, the actual cost of obtaining a duplicate or new passport will be covered by your travel insurance company. But your insurer will not cover the expenses if your passport has been –
    1. Confiscated by the customs or police authorities
    2. Left unattended in a public place
    3. Stolen but you haven’t lodged a police complaint within the first 24 hours of the occurrence of the event
  • Q: How will my passport help me if my check-in baggage doesn’t clear on time?

    Ans: If your check-in baggage doesn’t clear on time and is delayed for then 12 hours, you will be entitled to reimbursement by your travel insurance company. Any expenses that you incur on necessary items of personal needs such as clothes, medicines, toiletries, etc will be reimbursed by your insurer.
  • Q: Will I be covered if I lose my handbag while travelling with an airline?

    Ans: No. In case you lose your handbag or any of the hand baggage, you will not be covered by your travel insurance provider.
  • Q: What if I get injured while travelling on a ship or train overseas?

    Ans: If you get injured while travelling on a ship or train during your overseas trip, you will be covered under the accidental death & dismemberment by common carrier cover. This cover includes accidental injuries or loss caused while travelling in any of the common carriers i.e. any means of public transport.
  • Q: In case I am short of cash, can I avail financial emergency cash assistance?

    Ans: No. Financial emergency cash assistance can be availed only if you have been robbed off your belongings. No financial assistance will be provided if you overspend on the trip and are short of cash.
  • Q: Will my insurance policy be of any help if my flight gets hijacked?

    Ans: Yes. You will be entitled to a hijack distress allowance as compensation if your flight gets hijacked for more than 12 hours.
  • Q: Will I be covered if there is a robbery at my house in India during my overseas trip?

    Ans: If you opt for the home burglary insurance cover, you will be compensated for any loss of valuables incurred due to burglary at your house back in India.
  • Q: Is pregnancy or any illness arising out of pregnancy covered?

    Ans: No. Most insurance companies in India do not cover pregnancy-related expenses or treatment cost of any illness arising due to pregnancy.
  • Q: If I get injured on the last day of the trip, will my international travel insurance policy get extended?

    Ans: Yes. In case you sustain an injury on the last day of your overseas trip and get hospitalized to receive treatment, your travel insurance policy will automatically get extended for another 30 days. This extension is possible only if flying back to India is not possible and the same has been conveyed to the emergency assistance provider at the earliest.
  • Q: What if an injury sustained abroad leads to the death of the insured traveller?

    Ans: If the insured sustains an injury during his overseas trip and dies after getting back to India, his travel insurance company will compensate his family only if the death occurs within 12 months of getting back to India.
  • Q: Are there any exclusion in a travel insurance policy?

    Ans: Yes, certain conditions or expenses are not included in a travel insurance policy. Take a look at when the expenses are not covered under the policy:
    1. If no police complaint after 24 hours of the loss of passport
    2. Treatment expenses incurred on pre-existing diseases
    3. Treatment expenses arising due to mental disorders, depression, alcohol or drugs influence, venereal diseases, HIV AIDS, etc.
    4. Treatment expenses on suicide or attempt to suicide
    5. If travelling overseas to receive medical treatment
    6. If travelling against the suggestion of your doctor or healthcare provider
    7. Treatment of injuries caused due to war or acts of war or nuclear explosion
    8. There can be other exclusions depending on the insurance provider. You should verify the exclusions that are not covered under your travel insurance plan.
  • Q: Can I extend my existing international travel insurance to cover my domestic travel?

    Ans: No. it cannot be extended to cover any trip within India. You will have to purchase a domestic travel insurance plan to cover your domestic travel.
  • Q: How can I pay the premium for my international travel insurance?

    Ans: There are several modes of paying the premium for travel insurance. Some of the most common modes of payment offered by insurance companies in India are –

    1 Payment via debit card, credit card or net banking

    1. Payment at a branch of the travel insurance provider
    2. Free pickup of cheque
    3. IVR payment
  • Q: How do I decide the extent of coverage I would need for my overseas travel?

    Ans: You should decide the scope or extent of your travel insurance policy based on financial needs. It is important to consider the duration of the trip, age of travellers, number of travellers and the destination of travel before deciding the sum insured for your travel insurance policy.
  • Q: How much premium will I have to pay if I extend my travel insurance?

    Ans: The amount of premium that you will have to pay for your travel insurance depends on factors such as age & the number of travellers, your travel destination as well as the duration of the extended trip.
  • Q: Will I get any discount at the time of premium payment?

    Ans: No. You will not get any discounts at the time of payment of premium.
  • Q: How do I file a claim in case of an emergency abroad?

    Ans: To register a claim during an emergency abroad, you can follow the steps given below:

    In case of a cashless claim:

    1. Intimate the Emergency Assistance provider about the eventuality
    2. Request pre-authorization letter from the insurer
    3. The insurer will send the pre-authorization after verifying the claim
    4. Receive treatment for your injury/ illness
    5. Get discharged from the hospital
    6. The hospital bills will be settled directly by the insurance company

    In case of reimbursement claim:

    1. Inform the Emergency Assistance Provider regarding the eventuality at the earliest
    2. Arrange all the supporting documents required
    3. Submit the supporting documents
    4. The reimbursement amount will be credited into your bank account/ by cheque if the claim is approved
  • Q: How long does it take to settle a claim?

    Ans: The time taken to settle a claim varies from one insurance provider to another. You should consult your insurance provider to know exactly how much time will it take to settle a claim.
  • Q: Does international travel insurance cover pre-existing diseases?

    Ans: No. it does not cover treatment for any pre-existing diseases.
  • Q: What should I do in case of dental treatment abroad?

    Ans: In case you have to take a dental treatment during your overseas trip, follow the steps given below:
    1. Visit the dentist and receive the treatment
    2. Pay the bills after receiving the treatment
    3. Register a claim with the insurance provider
    4. Submit all the supporting documents along with all the payment receipts
    5. Receive the reimbursement amount in your bank account/ by cheque
  • Q: What are the key features under international travel health insurance?

    Ans: When buying international travel health insurance look for the following features:
    • Cashless hospitalization
    • Availability for both frequent and occasional travellers
    • Round-the-clock medical assistance
  • Q: Can I file a travel insurance claim after getting back to India?

    Ans: Yes, you can register a travel insurance claim within 30 days of getting back to India or date of policy expiry. Nonetheless, all insured travellers are recommended to register an insurance claim with the insurer as soon as possible.
  • Q: Will I get reimbursements in local currency or Indian rupees?

    Ans: The reimbursement amount for all claims is generally paid in Indian rupees. In the case of claims related to emergency financial assistance, the amount will be paid in the local currency of the country, which the insured is visiting.
  • Q: Will I receive the reimbursement amount in the bank account or by cheque?

    Ans: The mode of reimbursement payment may be different for different insurance providers. You should contact your insurer to know whether the reimbursement amount will be paid by cheque or directly in your bank account.
  • Q: Whom do I contact in case of an emergency during my overseas trip?

    Ans: In case of an emergency abroad, immediately contact the Emergency Assistance Provider of your insurance provider and inform them about the incident.
  • Q: How much does travel insurance cost?

    Ans: The travel insurance policy offers several benefits during an overseas trip. Thus, it might often cost you somewhere between Rs 500 to Rs 2000, depending on the trip benefits that you opt for. The actual cost may vary on factor such as your age, sum insured, trip cost, etc.
  • Q: What credit cards have travel insurance?

    Ans: Several credit cards offer free travel insurance. Following are some of the best credit cards offering free travel insurance:
    1. IndusInd Bank Platinum Credit Card
    2. IndusInd Bank Platinum Aura Credit Card
    3. Axis Bank Privilege Credit Card
    4. Axis Bank Vistara Signature Credit Card
    5. Axis Bank Miles & More World Credit Card
    6. HDFC Bank Regalia Credit Card
    7. Standard Chartered Visa Infinite Credit Card
  • Q: What are the charges for policy cancellation?

    Ans: If you cancel your policy within the free look period of the first 15 days, you won’t be charged any cancellation fee. But if you cancel your policy after the free-look period, you will be charged a cancellation fee, which varies from one insurance company to another. The premium amount minus your cancellation charge will be refunded to you, provided no claims have been raised.
Written By: PolicyBazaar - Updated: 23 March 2020
Average Rating
(Based on 11 Reviews)
International Travel Insurance Reviews & Ratings
4.5 / 5 (Based on 11 Reviews)
(Showing Newest 11 reviews)
Burhanpur, March 25, 2020
Best policy
My travel insurance policy covered almost everything I could think of.
Borigumma, March 24, 2020
I would’ve suffered the loss of the belongings in my bag had I not taken the insurance. Policybazaar was very supportive with the claim.
Manar, January 15, 2020
Best prices
Policybazaar gave me the best cover at minimum price. I purchased from them after a lot of research and comparisons.
Palakollu, January 09, 2020
Best prices, best options, best after sales service. Thank you Policybazaar.
Moodbidri, January 02, 2020
Best plans
Policybazaar gives a lot of options to choose from which is wonderful. We can choose as per our requirement and budget.
Samba, December 26, 2019
Quick and easy
Not sure about the claim process, but the process of getting the travel insurance was quick and easy and for sure gave me peace of mind on my trip to Australia.
Saharanpur, December 18, 2019
Beneficial for senior citizens
A good travel insurance for senior citizens taken care of their demands and needs. Thank you team.
Karjan, December 16, 2019
Best way to plan
In policybazaar you can get the travel insurance according to your travel schedule like if you travel frequently then you can get multi trip travel insurance and if you don’t travel frequently then you can get single trip travel insurance. Choices are given in best way.
Phaltan, December 11, 2019
Assisted well
The best part of getting travel insurance from policybazaar is that they provide good assistance as well as best plans with affordable prices.
Rupsa, December 09, 2019
Good number of benefits
I got good number of benefits like trip cancelation, hospital cash etc and that is kind useful. I got my travel insurance done from polivybazaar.
Panskura, December 06, 2019
A Best Guide
While getting a travel insurance you can get the better assistance, a travel guide and a safe way to travel. Thank you team policybazaar.
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