A trip should be exciting, not stressful. But things can go wrong. A medical emergency abroad can cost lakhs of rupees. A cancelled flight can ruin your plans and your budget. Lost baggage can leave you stranded without essentials.
Travel insurance India covers these risks so you can focus on enjoying your trip. Whether you are travelling within India or abroad, a good travel policy gives you peace of mind from departure to return.
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Travel insurance is a short term policy that covers financial losses during a trip. It pays for medical emergencies, trip cancellations, flight delays, lost baggage, and passport loss. You buy it before your trip, and it covers you for the duration of your travel.
Schengen Visa Compliance: For travel to 26 European countries, travel insurance with a minimum medical cover of EUR 30,000 is legally required for visa approval.
Match the plan to your destination. For Schengen countries, you need minimum coverage of EUR 30,000 (approximately Rs 27 lakh). For the USA, choose at least Rs 5 crore medical cover due to high healthcare costs. For domestic trips, Rs 5 to Rs 10 lakh is usually enough.
Check what is excluded. Common exclusions include pre existing conditions, adventure sports (unless you add a rider), and alcohol related incidents. Read the policy document carefully before buying.
Find specialized coverage tailored to your journey type, international destination, or overseas academic stay.
This covers medical emergencies abroad, which can be extremely expensive without insurance. A hospital visit in the USA can cost Rs 5 to Rs 10 lakh. In Europe, travel insurance is mandatory for Schengen visa applications. Most international plans also cover trip cancellation, baggage loss, and emergency evacuation.
This covers medical emergencies, trip cancellation, and baggage loss during travel within India. Domestic plans are less expensive than international ones. They are useful for long trips, adventure travel, and group tours.
Students studying abroad need coverage for the entire duration of their stay. Student travel insurance covers medical expenses, emergency evacuation, study interruption, and personal liability. Many universities require proof of health insurance before enrolment.
Evaluate recommended medical limits, mandatory visa guidelines, and typical premium ranges by destination.
A comprehensive travel policy safeguards your travel investment against critical disruptions from departure to arrival.
This is the most important coverage. If you fall ill or get injured abroad, the insurer pays for hospitalisation, surgery, doctor visits, and medicines. Plans typically offer coverage from Rs 50 lakh to Rs 5 crore for international trips.
If you need to cancel your trip due to illness, injury, family emergency, or natural disaster, the insurer reimburses your non refundable expenses like flight tickets and hotel bookings.
If your checked baggage is lost, stolen, or damaged by the airline, the insurer pays compensation. Most plans also cover delayed baggage, giving you a daily allowance to buy essentials while you wait.
Losing your passport abroad is stressful and expensive. Travel insurance covers the cost of obtaining an emergency passport, additional accommodation, and travel expenses caused by the delay.
Most current travel insurance plans cover Covid related hospitalisation and treatment. Some also cover trip cancellation due to a positive Covid test. Check the specific policy terms for Covid coverage details.
Multi-provider travel insurance comparisons with 24/7 global claim support
We compare travel insurance from multiple providers. Our advisors help you choose the right coverage based on your destination, trip duration, and activities. We also assist with claims if something goes wrong during your trip. You can also coordinate with our comprehensive health insurance and home insurance solutions for complete asset protection while you are away.
Answers regarding international mandates, coverage elements, pricing, timing, and Covid protections
Do not travel without insurance. Fill out the form or call 90 90 92 15 15 to get covered before your next trip.