Travel Insurance

Travel insurance protects you from any financial losses while you're travelling; in India or abroad. This covers medical expenses including COVID-19 coverage, flight delays, baggage loss, passport loss etc. that you may face during your trip. It helps you to tackle unforeseen expenses without spoiling your trip and budget.

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Explore the world without any worries

Best Travel Insurance policies designed for all your needs.

Plans include global Covid-19 coverage

  • Accidental & sickness expenses
  • Baggage Delay / Loss
  • Trip Delay / Cancellation
  • Passport Loss
  • Emergency Medical Evacuation
  • Missed flights
Plans include global Covid-19 coverage

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    Now covers COVID-19

    Top Plans

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

    What is Travel Insurance?

    A travel insurance policy is a type of insurance that offers financial compensation to the policyholder in case anything goes wrong on the trip. A travel insurance plan covers vacations, business trips, and even educational trips.

    The best travel insurance policy offers coverage against a range of emergencies, medical or non-medical, all offered in exchange for an affordable premium. Benefits include compensation for the theft of your money or passport, medical evaluation, delay in checked-in baggage, missed connections, etc.

    In case of urgent emergencies, the policy also helps with medical evacuation and repatriation, financial emergency assistance, and so on. There is also travel insurance policy with COVID-19 coverage that requires minimal paperwork.

    Right from your first flight to the stay and the return journey, you can ensure a safe and hassle-free trip with travel insurance plans.

    Why should you buy Travel Insurance Online?

    In this digital era, buying a travel insurance policy online comes with several benefits. Take a look at some of the reasons why you should buy travel insurance online:

    Cashless treatment facility

    If your trip is covered with travel insurance, being admitted to a network hospital can help you avail of cashless medical services across the globe.

    Fulfills mandatory requirement

    Several countries around the world have made it mandatory to possess valid travel insurance to apply for a visa for that country. So if you want to visit any such country, you can quickly lookup plans online and obtain a visa after buying one of the best travel insurance plans available in India.

    Easier to compare plans online

    When buying travel insurance online, you can easily compare different plans offered by different insurers in one place in your budget.

    No need for insurance agents

    You no longer need to rely on an insurance agent to buy travel insurance. You can find the best travel plan within your budget on your own after you compare travel insurance online.

    Minimal Documentation

    While purchasing a travel policy online, you do not need to fill several forms and submit multiple documents. All you need to do is fill up your details on the online form to buy the policy.

    Contactless Buying

    In this era of the COVID-19 pandemic where social distancing is the norm, you can buy a travel insurance policy online without coming in contact with any person.

    Instant Policy Purchase

    The process of buying travel insurance online is faster as the policy is issued almost instantly. You also don't need to visit the insurer's office to buy your policy. With so many alternatives available in the market, you can compare key features of different policies and buy them within a few minutes!

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    Facts About Travel Insurance

    Categories Specification
    Travel Insurance Cost *Starting at Rs. 45/day
    Entry Age 3 months to 70 years or as specified
    Countries Covered 200+ countries and islands by different international insurance companies in India
    Duration of Insurance Single Trip: 1 day to Several Weeks;Multi Trip: Up to 1 year by most insurers
    Medical Benefits Medical Expenses, Accidental Death and Disability, Dental Cover, Evacuation and Repatriation
    Special Add-ons Adventure Sports CoverCover for Mental/Nervous DisordersCover for Pre-existing DiseasesHome Burglary InsuranceCancer and Mammography
    Covers Family If purchased a Family Floater
    Claim Procedure Can claim both online and offline
    24x7 Worldwide Assistance Emergency Helpline, Mobile Applications, EAM, etc. provided by insurers
    COVID-19 Cover Provided by most travel insurance companies in India
    Time Required To Buy Instant if bought online
    Claim Settlement Period Varies with insurer

    *Final quote varies with country, duration of the trip, and other factors

    Features of Travel Insurance Plan

    When you go on a holiday, make sure you have the best travel insurance plan which provides the following features:

    • COVID-19 Covers

      Many insurers have been providing this benefit because of the havoc COVID-19 brought upon everyone's travels. With so many safety restrictions and guidelines affecting our travel insurance plans, most insurers will help you with any of the following emergencies:

      • Trip Cancellation: You will be compensated by the policy if you, a traveler, or your immediate family member is diagnosed with the disease. In such a case, all your non-refundable and unused amounts like hotel booking, ticket costs will be taken care of.
      • Automatic Extension: In case of a lockdown in your destination country, your travel insurance plan will be automatically extended up to the mentioned period.
      • Accident and Sickness Medical Expenses: If you or anyone traveling with you is diagnosed with COVID-19 abroad, then your travel insurance plan will provide cover against any medical expenses required for the treatment.
    • Baggage Covers

      With airlines misplacing baggage so often, it's only right that there is a safeguard you can turn to. Your travel insurance policy helps you in the following ways:

      • Covers Lost Baggage: We already know or heard of someone losing their baggage while traveling. Flights may misplace your luggage or worse it may be stolen. Luckily, with a travel insurance plan, you will get help with the costs of necessary personal expenses like clothing, medicines, and toiletries.
      • Covers Delayed Baggage: In case your baggage is delayed for some reason, the policy will pay for the cost of any necessary items that need to be purchased until you get your bag back.
    • Medical Covers

      What is worse than falling sick while traveling? Especially during a holiday when you have got a budget to stick to. Here is how travel insurance will assist you in case of medical expenses:

      • Medical Emergencies: If you need medical assistance due to an accident or sudden illness, your travel insurance policy will deal with any financial requirements.
      • Medical Evacuation or Repatriation: If you're hospitalized abroad and need to be evacuated back to India, or if you are unfortunately in a fatal accident, the policy will take care of the costs required in repatriating your remains back to India.
      • Study Interruption: This one is especially for students abroad. If they can't complete their studies because of listed reasons, their unused tuition fee will be reimbursed.
      • Compassionate Visit: If you're hospitalized abroad and need someone from your family to come to help you, your travel insurance plan will provide a two-way ticket for them.
    • Journey Covers

      The travel insurance policy will assist you with any emergencies that you may face while traveling. Some of these are briefly discussed below:

      • Travel Assistance: New city or new country; your travel insurance plan will provide you with every urgent assistance ranging from legal help to steps to get your duplicate passport.
      • Policy Extension: If for some reason your trip is extended and your flight is delayed for some days, then your policy will be extended for a fixed period.
      • Flight Delays: If your flight is delayed by more than 12 days due to certain reasons, the travel insurance policy will compensate for any additional costs that you had to furbish caused by this situation.
    • Add-On Covers/Optional Covers

      Nowadays, you can easily personalize your travel insurance plans by selecting from a range of ‘extra benefits’ that are called option or add-on covers. These are to be purchased at some extra premium but go a long way to protect you from specific risks that are otherwise not offered by the usual plans:

      • Adventure Sports Cover: This add-on will let you freely enjoy winter sports, adventure activities, etc. when you are on a trip abroad. Any medical expenses caused due to these activities will be taken care of, as per the travel insurance policy schedule.
      • Emergency Cash Advance: If you, unfortunately, lose your baggage or are a victim of theft, this optional cover will provide some relief through emergency cash meant for your immediate necessary expenses while you're there.
      • Home Burglary/Fire Insurance: This add-on will protect your house from any loss caused by break-in, theft, or fire while you are outside the country.
      • Emergency Hotel Accommodation: If your trip is extended due to any urgent reason, this optional coverage will provide reimbursement for your additional accommodation expenses.
      • Maternity and Baby Cover: Most travel insurance policies don't provide any benefits to pregnant women traveling. This add-on is curated for traveling mothers-to-be so that they are protected since day one of their journeys.
      • Escort for Minor Child Cover: This add-on will provide coverage for expenses if you carry a minor or a baby along with your flight.
    • Travel Insurance Portability

      This is a comparatively new feature that is now being offered by several travel insurance companies in India. This feature lets you switch to another insurance provider without losing any of the previous benefits that your existing travel insurance policy offered. The process requires certain steps:

      • Inform your insurer about the portability requirements
      • You must inform them in advance, which can be a month or as per the period specified

      However, please note that the premium may vary as per the new insurer's discretion. There are a variety of travel insurance plans available with different benefits and features. Don’t forget to compare the best travel insurance plans online before buying one.

    Types of Travel Insurance Plans in India

    Different types of travel plans have been designed to cater to the needs of people of all ages be they a child, adult, student, or senior citizen. Let us take you through the different types of travel insurance plans available in India:

    • Domestic Travel Insurance

      This type of insurance plan is meant for people traveling within the geographical borders of India. It financially protects individuals as well as families traveling within the Indian states from unforeseen travel emergencies. It provides coverage including medical cover, loss of baggage, and personal accident cover amongst others.
    • International Travel Insurance

      This type of insurance plan covers individuals and families traveling overseas. It provides a wide range of coverage including medical expenses, dental expenses, financial cash assistance, flight delays, trip cancellation, loss of passport, personal liability, loss or delay of check-in baggage, and hijack distress allowance. Several insurers also offer home insurance to the traveler’s house back in India as a part of this insurance plan.
    • Schengen Travel Insurance

      It is a customized overseas travel insurance online plan that covers people traveling to one or more than one Schengen country. It protects the insured travelers from any unforeseen emergencies that may lead to incurring financial losses. Some of the most common coverage provided under this type of trip/travel insurance includes medical cover, loss of passport, delay in check-in baggage arrival, loss of check-in baggage, personal liability, personal accident cover, and accidental death & dismemberment (common carrier).
    • Family Travel Insurance

      This type of insurance usually covers the policyholder, their spouse, and dependent children. The sum insured is mostly available on both individual and family floater basis. All insured members of a family can avail of covers including medical expenses, loss of passport, personal liability, loss or delay of check-in baggage, and many more.
    • Senior Citizen Travel Insurance

      This type of insurance plan has been tailor-made, especially for elderly people. Most travel insurance companies in India cover travelers above the age of 60 years under such policies just like health insurance. It protects such travelers from unpredictable financial emergencies, including medical expenses, dental expenses, repatriation of mortal remains, loss or delay of check-in baggage, medical evacuation, etc. just like an international travel insurance plan.
    • Student Travel Insurance

      It is a student-friendly insurance plan that has been customized for Indians traveling abroad to study. It comes with an extended validity of up to 2 years. Apart from the basic coverage of an overseas travel insurance plan, it also provides the students with covers including sponsor protection, study interruption, medical evacuation, bail bond, and two-way compassionate visits for the insured and the family member amongst others.
    • Corporate Travel Insurance

      This type of insurance plan has been designed to cater to the needs of corporates traveling for business purposes. It usually has a validity of up to 1 year that allows the insured traveler to undertake several journeys. It includes covers such as flight delay, medical expenses, loss of baggage, missed connecting flight, etc.
    • Group Travel Insurance

      It is usually opted by people organizing tour groups, industrial training, official tours, or pilgrimage tours. Many insurance providers offer such policies to people traveling within India as well as abroad. It usually provides personal accident and baggage cover. However, the exact extent of coverage depends on the insurer.
    • Medical Travel Insurance

      It refers to the insurance plan that offers financial assistance in case a medical emergency occurs while traveling abroad and may lead to hospitalization. Such policies mostly cover hospitalization expenses, daycare expenses, dental expenses, medical evacuation expenses, and the cost of repatriation of mortal remains amongst others.
    • Multi-Trip Travel Insurance

      This type of insurance plan is meant for people who undertake multiple overseas journeys in a year. It offers the same level of benefits on every trip without the need to buy travel insurance online before each journey.
    • Single Trip Travel Insurance

      This type of insurance plan protects the insured traveler only for a single journey. Its validity begins with the start of the journey and ends with its culmination on returning home. This international travel insurance comes with a host of coverage that consists of medical cover as well as non-medical covers such as delay or loss of check-in baggage, personal liability, etc.

    Other Types of Travel Insurance Plans:

    • Baggage Insurance

      Baggage Insurance comes into the picture when you lose your baggage during your journey due to theft or any other mishap. The losses incurred due to such mishaps might put you in some really big troubles and ruin your trip. To get compensated for the damage or loss to your luggage while traveling, you can always rely on baggage insurance.

    • Flight Insurance

      It is a custom-made travel insurance plan that covers an insured traveler from any unforeseen flight-related emergencies faced while traveling. It protects him from any adversity caused during the flight or due to the fault of the airline or their staff. It provides comprehensive coverage of both health insurance and baggage insurance, which includes flight delay, medical cover, accidental death & dismemberment cover, delay or loss of check-in baggage, flight cancellation, flight hijack, and missed connection flight.

    Best Travel Insurance Plans in India by Top Insurance Companies

    Take a look at some of the best travel insurance plans in India:

    Travel Insurance Companies

    Eligibility Criteria

    Key Features

    Aditya Birla Travel Insurance


    • Medical expenses cover
    • Passport loss
    • Automatic policy extension

    Bajaj Allianz Travel Insurance

    06 months to 70 years

    • Cashless hospitalization
    • Overseas COVID-19 coverage
    • Loss of baggage/passport

    Bharti AXA Travel Insurance

    03 months to 85 years

    • Medical coverage
    • Emergency financial assistance
    • Baggage insurance

    Care Travel Insurance

    01 days and above

    • Emergency hospitalization
    • Upgradation to business class
    • Adventure sports cover

    Chola MS Travel Insurance

    03 months to 80 years

    • Overseas medical expenses
    • Compassionate visit
    • Loss of international driving license

    Digit Travel Insurance

    03 months to 99 years

    • Emergency medical treatment
    • Flight delays
    • Adventure sports cover

    Future Generali Travel Insurance

    06 months to 80 years

    • Medical expenses cover
    • Personal accident
    • Baggage delay/ loss

    IFFCO Tokio Travel Insurance


    • Overseas medical expenses
    • Trip cancellation
    • Hospital daily allowance

    National Travel Insurance


    • Medical expenses cover
    • Personal liability
    • Passport loss

    New India Travel Insurance

    06 months to 70 years

    • Medical coverage
    • Delay of check-in baggage
    • Personal accident

    Oriental Travel Insurance

    06 months to 70 years

    • Overseas medical expenses
    • Passport loss
    • Personal liability

    Reliance Travel Insurance

    06 months to 70 years

    • Cashless hospitalization
    • Trip delay
    • Home burglary insurance

    Royal Sundaram Travel Insurance

    91 days and above

    • Medical expenses
    • Political risk & catastrophe evacuation
    • Missed connections

    SBI Travel Insurance

    06 months to 70 years

    • Emergency medical treatment
    • Trip delays
    • Cash advance

    Shriram Travel Insurance

    90 days to 65 years

    • Medical expenses cover
    • Loss of passport
    • Hijack distress allowance

    Star Travel Insurance

    06 months to 70 years

    • Emergency medical expenses
    • Personal liability
    • Flight delays and cancellation

    Tata AIG Travel Insurance

    06 months to 70 years

    • Medical coverage
    • Bounced flight/hotel bookings
    • Automatic trip extension

    United India Travel Insurance

    5 years to 80 years

    • Medical expenses
    • Trip cancellation
    • Hospital daily allowance

    Universal Sompo Travel Insurance

    01 day to 70 years

    • Emergency medical expenses
    • Personal accident
    • Baggage loss
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    When, Where, and How to Choose Travel Insurance Policy?

    Before you buy travel insurance plan, make sure you give it a lot of thought and weigh your options:

    • Travel Frequency

      If you are a frequent traveler, you are better off with a multi-trip travel insurance plan that will be cheaper and save you the hassle of buying it again. Otherwise, you should go for a single-trip plan which covers you for the entire duration of your journey.

    • Travel Destination

      Whether it is an international trip or a domestic trip, whether going to the US or a Schengen territory; these things will narrow down your requirements which will also cost you differently. Also, many countries need an international travel insurance plan to issue a visa so your sum insured and other requirements will vary significantly along with the premium.

    • Trip Duration

      Your travel insurance policy will be calculated and issued according to the length of your stay. In most cases, people opt for a travel insurance policy with a duration slightly exceeding their total trip duration so that any sudden changes can be accommodated without costing you an extra premium.

    • Number of Travelers

      You can buy an individual travel insurance policy if you're traveling alone, or make it into a family floater travel insurance if your loved ones are going too. The insurer should be informed about the total number of travelers accordingly.

    • Claim Procedure

      When buying travel insurance policy, read about the insurer, their claim-settlement ratio as well as any claim limits they have set with various benefits. Each policy has a certain limit up to which they will pay for your claims.

    Hence, don’t forget to compare different plans to buy the best travel insurance plan online at for your next trip!

    How to Buy Best Travel Insurance

    In the case of adversity during your trip, your travel insurance company will help you out. Thus, you must opt for a travel insurance policy that provides you with maximum coverage against the risks that you may encounter while traveling.

    If you are wondering How to Buy Best Travel Insurance then it is better if you buy the insurance policy online as it is a faster, more convenient, and hassle-free process. You can do this on where you can compare several plans and filter them according to your requirements.

    FAQs in Relation to COVID-19 for Travel Insurance

    Q1. Under which travel insurance can I raise a claim due to COVID-19?

    Ans: If you get diagnosed with COVID-19 during your foreign trip, you can raise a claim under your international travel insurance policy:

    Q2. Can I raise a travel insurance claim if I get hospitalized due to COVID-19 during my foreign trip?

    Ans: Yes. You can raise a travel insurance claim for hospitalization expenses if you get admitted to a hospital during your international trip due to COVID-19. Moreover, your travel insurance policy will also cover the outpatient treatment expenses resulting from COVID-19 in your destination country.

    Q3. If my foreign trip is cancelled/rescheduled due to COVID-19 hospitalization, will travel insurance cover the losses?

    Ans: Yes. If your overseas trip is cancelled or rescheduled due to the COVID-19 related hospitalization of yourself or one of your immediate family members, then your travel insurance policy will pay for the resultant losses.

    Q4. If the family member travelling with me gets diagnosed with COVID-19 during the trip, will my travel insurance policy cover the treatment expenses abroad?

    Ans: Yes. Your travel insurance policy will pay for the treatment expenses of your family member if he/she is diagnosed with COVID-19 during the overseas trip, provided the family member is insured under your policy.

    Q5. Will travel insurance cover the expenses if my overseas trip gets delayed due to COVID-19?

    Ans: Yes. Your travel insurance policy will reimburse the expenses incurred on food and lodging in case your scheduled flight abroad is delayed or rescheduled due to COVID-19.

    Q6. Can I raise a claim under both health insurance and travel insurance policies if I get diagnosed with COVID-19 during my foreign trip?

    Ans: No. You can only raise a hospitalization or outpatient treatment claim under your international travel insurance policy if you get diagnosed with COVID-19 during your overseas trip. But if you are travelling within India, you can claim your medical expenses under your health insurance policy.
    Things to Consider While Buying Travel Insurance Online

    To make an informed choice, you need to consider the following things while you buy travel insurance online

    Purpose of the Journey

    Keep the purpose of your trip in mind while choosing an insurance policy for your journey to receive...

    the maximum coverage. For instance, if you are traveling for studies, you should buy student travel insurance online

    Sum Insured Amount

    The travel insurance policies with higher sum insured draw higher premiums. Therefore, choose...

    a sum insured amount that will adequately cover your travel needs.

    Claim Settlement Ratio of the Insurer

    It’s important to check the claim settlement ratio of different insurance companies. A company...

    with a higher claim settlement ratio has settled more claims and thus, should be preferred while buying travel insurance online.

    Credibility of the Insurance Provider

    It is important to research the credibility and goodwill of the travel insurance company. A company...

    that enjoys goodwill in the market can be considered reliable and will mostly settle the claims on time.

    Hassle-Free Claim Procedure

    Complicated claim procedures will be more of a hassle at the time of settling the claim. You should...

    choose an insurer with the quickest and the most convenient claim process, preferably online.

    Solvency Ratio

    A company with a good solvency ratio has a sound financial standing and has lesser chances...

    of going bankrupt.

    Minimum Coverage Amount

    Certain countries require a minimum travel insurance coverage amount to obtain their visa....

    For instance, you need to have a minimum travel insurance coverage of 30,000 Euros to obtain a Schengen visa; so check their travel guidelines before buying your policy.

    Excluded Medical Conditions

    Before you buy a travel policy, you must check the medical conditions that are not covered under...

    the policy.

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    What’s Not Covered by Travel Insurance Plans

    It is important to keep in mind the exclusions of your travel insurance plan. Most travel insurance companies in India don’t cover claims arising out of the following reasons:

    • Medical Exclusions

      • If you are travelling outstation or abroad against the medical advice of the doctor, then any medical treatment expenses incurred while travelling will not be covered by the insurer.
      • Medical expenses for injuries or sickness caused while you were intoxicated or under the influence of alcohol shall not be covered under a travel insurance policy.
      • Treatment costs incurred due to sexually transmitted diseases and mental/nervous disorders are often not covered by many travel insurance companies in India.
      • Claims related to pregnancy or related complications are not covered.
      • Most travel insurance plans in India do not offer reimbursement for expenses due to alternative treatment such as Homoeopathy, Naturopathy or Ayurveda.
      • Any claims related to cosmetic surgery or plastic surgery are usually not covered by the insurer.
      • Claims due to treatment for self-inflicted injuries, including attempt to suicide or suicide, are not covered by the insurer.
      • Many insurers in India don’t offer coverage for pre-existing issues or diseases under regular plans unless an add-on cover has been purchased.
    • Baggage Exclusions

      • Your international travel insurance plan will not cover baggage loss if your luggage has been shipped separately and/or is not accompanied by you.
      • Some policies don't cover cases beyond the specified geographic region.
      • Delay or failure in reporting the lost luggage or other personal belongings to the relevant authorities may result in rejection of your travel insurance claim,
    • Journey Exclusions

      • Any claims arising because of dependency on intoxicants, such as alcohol or drugs will not be covered by the insurer.
      • Many insurers do not cover claims arising out of the insured’s participation in adventure sports and other winter sports. For example, mountaineering, bike race, scuba diving, etc.
      • Loss due to involvement in illegal activities, theft, felony etc. will not be covered.
      • Damage caused during dangerous or hazardous work will not be covered.
    • Other Exclusions

      • The travel insurer will not cover any claims arising because of war-like circumstances, as well as a civil war in the country that you are visiting.
      • Claims arising due to terrorist attacks in your destination city or country may not always be covered by all insurers.
      • The insurer will not cover the expenses incurred during obtaining duplicate or a new passport upon losing the original passport abroad if it was left unattended.

    Eligibility Criteria for Travel Insurance Policy in India

    Any Indian citizen can buy trip insurance, irrespective of the type of travel policy being purchased. Additional eligibility requirements for different types of trip insurance plans are given below:

    Plan Eligibility
    International Travel Insurance
    • Must be aged between 0.6 and 70 years
    Schengen Travel Insurance
    • Can be bought only for Schengen Countries
    • Minimum 30,000 EUR coverage required
    Family Travel Insurance
    • Available for 4 people including the insured, spouse and 2 dependents
    • Adults must be aged between 18 and 60 years
    • Children must be below 21 years
    Senior Citizen Travel Insurance
    • Available for seniors aged 61 to 90+ years
    Student Travel Insurance
    • Must be enrolled in an educational institute abroad
    • Must be aged between 16 and 35 years
    Corporate Travel Insurance
    • Must be aged between 18 and 70 years
    Multi-Trip Travel Insurance
    • Eligible for multiple trips over a year
      Adults aged between 18 and 70 years
    • Children aged 3 months and above
    • Can be renewed
    Single-Trip Travel Insurance
    • Eligible only for one trip
    • Adults aged between 18 and 70 years
    • Children aged 3 months and above

    *Please note that the age bracket varies with insurers. You should check the eligibility with the insurance provider before reviewing or purchasing any travel insurance policy.

    How to Calculate Travel Insurance Premium Online?

    Every traveler should opt for a policy that provides maximum coverage for the least possible premium. To find out the premium payable for a particular travel insurance plan by a provider, you would have to use a travel insurance premium calculator. A premium calculator is an online tool that gives you an estimate of the premium cost for a particular insurance plan. These are a few parameters that affect travel insurance premiums:

    • Age - The higher the age of the traveler, the more will be the premium.
    • Destination - If you are traveling to a high-risk country, your chances of facing adversities are more.
    • Trip Duration -Longer your trip duration, the higher will be your travel insurance premium.
    • Number of Travelers - The premium of a policy covering one person will be lower than the premium of a policy covering the entire family.
    • Add-On Covers -If you opt for add-on covers under your policy, your premium amount will increase.

    Make sure to use this calculator before you buy the best travel insurance online.

    Tips to Lower Your Travel Insurance Premium

    Travel insurance can come in extremely handy if you encounter an emergency during your trip. You can use the tips given below to lower your travel insurance premium:

    • Buy Early - Buying a travel insurance policy well in advance can help lower your premium. If you buy the policy early, you are considered a responsible person and are charged a lower premium.
    • Customize Your Policy - Try to customize your travel policy as per your requirements so that you only have to pay for the coverage that you need.
    • Multi-Travel insurance for Frequent Flyers - If you need to travel multiple times a year, it is more affordable to buy a multi-travel insurance policy with a year-long validity than buying an individual policy for each trip.
    • Opt for Family/ Group Travel Plans - If you are traveling with your family or in a group, you must opt for family travel insurance or group travel insurance respectively as they are more cost-effective.

    Claim Procedure for Travel Insurance Policies

    Buying the best travel insurance is not your only responsibility as a traveler. You should also be aware of the procedure to file a timely insurance claim. Follow the steps given below to register a travel insurance claim if required:

    • Inform the insurer or the assistance provider of the insurer via phone or email about your claim
    • Ask about the various documents that you need to submit in support of your claim.
    • Send all the required documents to the insurer via email, fax, or post
    • Once you have submitted the documents, your claim will be verified against the coverage provided by your travel insurance policy

    How to Renew a Travel Insurance Policy?

    Travel insurance plans in India can be renewed either online or offline, depending on your preference. Let’s have a glance at both here!

    • Offline

      If you are one of those people who don’t want to go ahead with the online method or are not gadget-friendly, offline renewal can be the best bet for you:

      1. Approach the Insurance Company: Once the renewal date approaches, get in touch with your insurer. They will guide you through the travel insurance renewal process.

      2. Review the Existing Cover: This is the best time to review your coverage. If you want to add something, you can do it now.

      3. Fill the Application: Once you have decided the additions you want to make, if any, fill an application form and submit it along with the physical copies of the documents required. Documents list may vary from provider to provider.

      4. Review and Pay: After carefully reviewing terms and conditions, pay the premium required. Remember to address the cheque in the name of the insurer, not the broker or agent.

      The insurer will deliver the policy document to your mailing address within a stipulated period.

    • Online

      For those who want to renew their policy online, most travel insurance plans in India require the following steps:

      1. Open the Desired Website: You can visit or the insurer’s website to do this. Go through the available insurance policies once and add the additional covers if any.

      2. Pay the Premium: After finalizing pay through options such as net banking, credit or debit card, etc.

      3. Get the Policy Soft Copy: On successful payment of your premium, the insurance provider will send the soft copy of the policy to your registered email id. You can download it from there and keep it for future use.

      In case you are planning to switch the insurer or the policy, you are advised to shop around, compare travel insurance policies by different insurers before buying.

    Decoding Travel Insurance Terms

    Here are some terms simplified for you to better understand travel insurance wordings:

    • Sum Insured

      In case of any unfortunate event (for which you are covered), your insurer will give you a certain amount. It is also the maximum amount that you will be paid. You are entitled to this amount which is the maximum coverage under your travel insurance plan.

    • Reimbursement

      If you’re in an emergency and have no time to wait for your insurer, then you can pay the expenses out of your pocket first and later get reimbursed by your insurer. You will be compensated for all your costs as per the limits of your travel insurance policy.

    • Single-Trip Plans

      If you’re not a frequent traveller, you’re more likely to have a single-trip travel plan. This type of plan provides coverage for only one trip up to the decided date.

    • Multi-Trip Plans

      These are made for people who travel frequently. Multi-trip travel insurance plans cover all the trips under the predetermined period (usually 1 year) and don’t need to be purchased every time.

    • Family Floater Plans

      As the name says, family floaters travel insurance are plans designed for families. They offer many benefits that extend to every member of the family as per the policy terms. This can be usually bought for the insured’s spouse, dependent children, and often older parents.

    • Sub-limits

      These are additional limitations under any coverage offered by your travel insurance policy. Sub-limits apply to some insurable losses and exceeding them will require you to pay the difference. For example, hospital room rent, ambulance charges, etc. have a fixed limit, exceeding which you will need to pay the additional amount.

    • Deductible

      In some cases, you are required to pay some of the initial expenses in case of an insured event. This is to be paid out of your pocket and will not be reimbursed. This amount is known as the deductible for that cover. The remaining expenses will be borne or reimbursed by your travel insurer.

    • Cashless Settlement

      In many scenarios, while travelling, your insurer will directly pay for you in case you incur a loss or damage. This is referred to as cashless settlement through which many travel insurance companies in India settle claims abroad. This is most common during medical emergencies.

    • Common Carrier

      Can be any organisation such as a commercial airline, dealing in the travel of individuals and cargo between different cities or countries.

    • Condition Precedent

      A pre-determined condition based on which the insurer agrees to offer coverage to the insured.

    • Equipment Failure

      An unexpected breakdown or malfunction of the common carrier’s equipment resulting in interruption or delay of the scheduled trip of the insured.

    • Grace Period

      An extended time period, right after the due date of the insurance premium. The insured person can still pay this due premium in this window to continue enjoying the protection of the travel insurance plan without any interruption.

    • Hospitalisation

      When the insured person needs to be admitted into a hospital or a medical facility or for the mentioned minimum duration to receive their medical care. The duration must exceed 24 hours.

    • Immediate Family Member

      Refers to the legal relatives of the policyholder. Includes the insured’s legal relations, including their parents, spouse’s parents, spouse, legal children, siblings, siblings-in-law, legal guardian, etc. who are residing in India.

    • Insured Journey

      Refers to the duration of the valid policy term, for which it has been purchased. Most insurers calculate it as the time between the insured boards the common carrier for their scheduled journey and the moment they return their home, or on the day their plan expires, depending on whichever is sooner.

    • Insured Person

      The policyholder, the individual who has purchased the travel insurance plan. Must be a permanent resident or citizen of India.

    • Land/Sea Arrangements

      Includes different travel arrangements that have been paid for in advance, made for the insured’s scheduled trip. These are planned by a travel agent or other tour operating organisation for which the insurance plan has been bought.

    • Medical Expenses

      Includes the expenses incurred by the insured person due to a sudden illness or injury. These must be required medical treatment based on the advice of a qualified doctor or medical practitioner.

    • Medically Necessary

      Includes all tests, treatments, or hospitalisation necessary for the insured’s medical condition. The process involves medical care and management of the insured’s injury/illness based on the advice of a medical practitioner.

    • Notification of Claim

      A necessary step on the part of the insured in case they need to raise a claim. The individual can inform their insurer about the claim to be raised.

    • Pre-Existing Condition

      Refers to any injury, disease or other related condition the insured has been diagnosed with or have had experienced symptoms of. If the insured has received medical treatment for the said condition, they should inform the insurance company.

    • Room Rent

      In case of hospitalisation, the daily cost an individual must pay to occupy their hospital bed. This room rent is fixed by the hospital or medical facility charges.

    • Serious Injury/Sickness

      A situation when an injury or sickness becomes a threat to the insured. It must be declared by a qualified physician stating that it is harmful for the insured’s life.

    • Subrogation

      When the insurer takes legal measures against a third person or party on behalf of the insured. Usually in cases where the third party has caused loss or injury to the insured person.

    • Travelling Companion

      Usually two other people who have booked travel tickets along with the policyholder for the journey.

    Explore Latest News of Travel Insurance

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    Amidst the fear of the new Omicron variant, the Indian government has extended the ban on the international passenger flights that were supposed to start from 15 December 2021. Read more

    Latest Travel Advisory by WHO Amidst Omicron Fears

    With more and more nations imposing travel bans targeting South African nations, WHO issued revised international travel guidelines and urged countries to apply an 'evidence-informed and risk-based approach’ to their screening and travel measures. Read more

    India Rolls Out New Covid-19 Guidelines Amidst the Omicron Fears

    With more and more nations imposing travel bans targeting South African nations, WHO issued revised international travel guidelines and urged countries to apply an 'evidence-informed and risk-based approach’ to their screening and travel measures. Read more

    IATA Introduces New Travel Pass for International Travel

    The International Air Transport Association (IATA) has rolled out a new digital pass for travelers all over the world. The new IATA Travel Pass is a mobile application offering a quick digital solution for travelers who need to present a variety of COVID-19 related documents. Read more

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    Travel Insurance - FAQs

    • Q: How Much Does a Travel Insurance Policy Cost?

      Ans: Generally, you should expect a travel insurance policy to cost you somewhere between Rs 500 to Rs 2000, depending on your destination. However, the actual cost may depend on additional factors such as the cost of travelling, your age, the sum insured, etc. For example, if you are travelling to Mexico for less than 30 days, you can expect the price of your insurance policy from Rs 580 to Rs 1254 for a sum insured of $100,000.
    • Q: Why Do I Need Travel Insurance?

      Ans: While travelling brings joy to most, it also has its share of mishaps. You can face difficulties because of baggage or passport loss, an unexpected accident or a medical emergency while you're travelling abroad. For business or leisure, international travel insurance plans protect your trip from any such perils with extensive coverage. Be it a trip cancellation or a necessary compassionate visit from your loved one, you will not be left stranded in any kind of emergency.
    • Q: When Should You Buy a Travel Policy?

      Ans: Ideally, the best time to buy trip insurance is within the initial 15 days of making your first deposit as it can make you qualify for a few bonus coverage. However, several insurers allow you to buy travel insurance until the day before you begin your journey.
    • Q: What Credit Cards Offer Free Travel Insurance?


      The best credit cards that offer trip insurance are:

      • Axis Bank Privilege Credit Card
      • Axis Bank Vistara Signature Credit Card
      • Axis Bank Miles & More World Credit Card
      • Standard Chartered Visa Infinite Credit Card
      • HDFC Bank Regalia Credit Card
      • IndusInd Bank Platinum Credit Card
      • IndusInd Bank Platinum Aura Credit Card
    • Q: Can You Buy Insurance After Starting Your Trip?

      Ans: No. You cannot buy an insurance policy for your journey after you depart from India. Most insurers do not allow travelers to buy insurance even on the day of their journey. Whether you are traveling for a day or a year, you must buy a policy for your journey until the day before your departure.
    • Q: Does a Travel Insurance Policy Cover Pre-Existing Diseases?

      Ans: Most travel insurance plans in India do not cover pre-existing diseases or conditions such as diabetes. Therefore, if you incur any expenses on the treatment of pre-existing diseases during the journey, it will not be covered, unlike health insurance that covers them after the waiting period.
    • Q: Are business travelers eligible to purchase a travel insurance policy?

      Ans: Yes. All business travelers can purchase insurance policies to protect themselves against any unforeseen emergencies while traveling. They can also opt for a corporate insurance plan, which is tailor-made for people traveling for business purposes. Moreover, if their nature of work requires them to move frequently then they can buy multi-trip insurance. It provides coverage for a single journey to all the traveling done in a year at a more economical premium amount.
    • Q: Will my charges be paid directly to the service provider? Do I need to pay the bill first and then claim it from the insurance company later?

      Ans: In case of a cashless claim, the payment will be made directly to the healthcare service provider. But in case of reimbursement claims, you will receive the claim amount after it has been approved by your insurer.
    • Q: I am an OCI Card holder (Overseas Citizen of India). Can I buy a travel policy?

      Ans: Yes. OCI Card holders can buy a travel policy, provided they have a valid Indian passport and intend to return to India.
    • Q: Can I purchase a policy for someone unrelated to me?

      Ans: No. You cannot buy travel insurance policy on behalf of someone unrelated to you. You can only purchase it for yourself and your family members including parents, spouse, children, etc.
    • Q: If I sustain a loss on the last day of my insurance and continue treatment abroad, will the policy be automatically extended to cover the loss?

      Ans: If you sustain an injury or loss on the last day of your travel insurance policy and need medical treatment, then your policy will automatically get extended for 30 days. However, the extension will only be applicable if your doctor certifies that you are unfit to take a journey back to India and need to continue your treatment abroad.
    • Q: Can I file a trip insurance claim once I return to India?

      Ans: Technically, you can file a claim under your travel policy after returning to India, provided the claim is registered within 30 days of getting back to India or policy expiry, whichever is earlier. However, it is recommended to file your claim as soon as an unforeseen event or emergency occurs abroad.
    • Q: What is the proof of my purchased insurance? What if I lose all the original documents?

      Ans: After buying a policy, you will receive the soft copy of the travel insurance policy document on your email in PDF format which is legally recognized as the proof of your insurance purchase. It contains all its details including the insured’s name, policy number, numbers for claim intimation, etc. If unfortunately, you lose your original documents, you will not be able to raise a claim with your insurer. This is because insurance claims are granted based on the documents submitted as proof by the insured. No document submission will result in no claim approval
    • Q: What will happen if I forget to carry my travel policy along?

      Ans: It is advisable to carry a soft copy of your policy document while traveling as it will come to your rescue if you forget to carry your policy papers with you.
      In case you don’t have either a hard copy or a soft copy of your policy document, you can visit the official website of your insurer and log in to obtain a copy of it. You would need your customer id and policy number to log in and thus, you should know this in every circumstance.
    • Q: Will the policy be withdrawn by the insurer at any point of time? If so, what are the options available?

      Ans: Yes. An insurance company can withdraw a policy if it gets approval from the IRDAI or the Insurance Regulatory and Development Authority of India. The traveler will receive a notice from his insurer informing him about the withdrawal at least 3 months before the expiry of the policy.
      In case of withdrawal, the insured traveler will be able to continue with his ongoing policy until the scheduled date of its expiry. However, he will not be able to renew it as it will cease to exist.
    • Q: Is FIR required for the occurrence of an accident?

      Ans: In case of certain claims, the insured is required to file a First Information Report or FIR within the first 24 hours of the occurrence of the emergency. Some of the claims where an FIR needs to be filed are personal liability, loss of passport, personal accident, bail bond, financial emergency, and home insurance.
    • Q: What is a covered reason for trip cancellation?

      Ans: Some of the most common reasons for trip cancellation that are accepted by travel insurance companies in India are:
      • Injury or illness of the insured, an immediate family member, or business partner
      • Occurrence of natural calamity or terrorism at the destination country
      • Bankruptcy of the tour provider
    Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
    Average Rating
    (Based on 302 Reviews)

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    Travel Plans Insurance Reviews & Ratings
    4.8 / 5 (Based on 302 Reviews)
    (Showing Newest 15 reviews)
    Ahmedabad , March 02, 2022
    Child covers
    I got my toddler covered under travel insurance thanks to PolicyBazaar. I have started travelling again now that things seem to be normal and needed to cover my child as well. At low premiums I got the best plan.
    Chennai , March 02, 2022
    Easy extension
    we got stuck in snow while we were in Kullu. We needed to extend our travel policy. We bought it from PolicyBazaar. We called up customer care and it got easily extended with no hustle.
    Bangalore , March 01, 2022
    Comprehensive coverages
    I was able to locate the most comprehensive coverage at a reasonable cost. I found Policybazaar's website after a lot of searching on Google. In their site, I compared a variety of travel plans offered by several insurers. I bought international travel insurance that it fit into my budget.
    Hyderabad , March 01, 2022
    Helpful customisations
    I got my travel insurance from PolicyBazaar. I wanted to customise to my liking which I was able to do easily. I added some add-ons and created the best plan for me.
    Kolapur, February 28, 2022
    Maternity covers
    I was travelling with my toddler daughter, so I needed to make sure she was covered under insurance as well. PolicyBazaar provided me with the necessary insurance. It also covered my child.
    Mumbai , February 28, 2022
    Easy comaprisons
    Comparing insurance is easy-peasy with PolicyBazaar. I needed travel insurance that would cover my entire family. I discovered the best plan for me and that to on y budget.
    Delhi , February 28, 2022
    Great benefits
    I used to obtain my travel plans from another source, but I heard PolicyBazaar provides decent plans at affordable pricing. As a result, I bought student travel insurance from PolicyBazaar, which gave me benefits. It's something I'd recommend to everyone who travels frequently.
    Nanded Waghala, February 27, 2022
    Nice customer support
    I was having problems settling on an insurance policy since now that the lockdown had been lifted, I needed to start travelling for work. I called PolicyBazaar customer support, who were really helpful in guiding me through the process of choosing a medical travel insurance policy that included covid coverage. To be honest, the best support crew I've ever encountered.
    Asansol, February 26, 2022
    Flight Delay reimbursements
    Because of certain airline troubles, my flight was delayed. PolicyBazaar had taken care of my travel insurance. It paid me for the expenses incurred as a result of the delay.
    Durgapur, February 25, 2022
    Corona covers
    If you are travelling during the Corona, you must have medical insurance. PolicyBazaar provided me with a policy at a very reasonable price. It was easy to obtain and fit in my pocket.