Travel Insurance 2025

What is Travel Insurance?

Travel insurance is a safety cover that helps during unexpected events like medical issues, trip cancellations, or lost baggage. It supports both domestic and international travel needs. With travel insurance, you can travel confidently and worry-free.

Why Do You Need Travel Insurance?

Travel insurance is essential because unexpected problems can arise anytime during a trip, especially when you're in unfamiliar surroundings. Whether it's a personal accident, sudden illness, theft, flight delays, or a lost passport, a travel insurance plan ensures you're not left stranded without support. It helps you manage emergencies without extra stress and gives you the confidence to travel safely, both within India and abroad.

Benefits of Travel Insurance Plans

  1. Flight & Trip Delay Compensation: Get reimbursed for unexpected delays or cancellations during long or short trips.
  2. Trip Cancellation Coverage: Recover non-refundable costs if your trip gets canceled due to emergencies.
  3. Medical Emergencies: Covers hospitalization, treatments, and even hotel stays if you fall sick or meet with an accident during your travel.
  4. Customized Plans: Choose travel insurance plans based on your destination and type of travel; premium amounts vary accordingly.
  5. Comprehensive Coverage: Includes protection for personal liabilities, accidental death, dental treatments, legal expenses, repatriation, and emergency family reunion.
  6. 24/7 Assistance: Most insurers provide round-the-clock support for issues like lost documents, accidents, or medical emergencies anywhere in the world.

Eligibility Criteria - Travel Insurance plans

  1. Family/International Travel Insurance - These plans offer cover for two adults aged up to 60 years along with two children aged up to 21 years. Floater benefits are also available with family travel insurance plans.
  2. Student Travel Insurance - Most plans accept students aged between 16 and 35/40 years, who have enrolled at a foreign institution for higher education. Existing Indian students who are abroad also qualify for these policies.
  3. Senior Citizen Travel Insurance - Seniors who are aged up to 85 years are not required to undergo any medical tests while procuring a Senior Citizen travel insurance policy.
  4. Schengen travel insurance - Adults aged up to 70 years and infants over 90 days are eligible to be covered. The purpose of travel should be business or tourism.

Types of Travel Insurance Plans:

There are a plethora of options available to Indian travellers from various general insurance companies. These travel plans are offered according to the type of customer, destination travelled to and also the type of trip undertaken. Given below are the different types of travel insurance plans available in India.

International Travel Insurance plans:

General insurance companies across India offer customized international travel insurance plans according to the destination travelled to. Each type of destination has a specific requirement with regards to insurance and companies ensure that every detail is covered in a comprehensive overseas travel plan. Most international travel plans offer standard features like cashless hospitalization, no medical test requirement until the age of 80, easy online applications and hassle-free paperwork. In addition, some travel plans might offer other benefits like free international SIM cards, 24/7 customer support and cover for total loss of checked-in baggage. Read more about International Travel Insurance

Plans Offered:

  1. Overseas travel plans: Insurance providers offer customized plans for different regions like Asia, Schengen countries, Middle East, USA, Canada, Australia, and New Zealand. Coverage is designed to meet the specific requirements of each destination
  1. Senior Citizen Travel Insurance: Specially designed for travelers above 60 years, these plans offer benefits like cashless hospitalisation, cover for missed flights, medical concierge services, and 24x7 support
  1. Single Trip Insurance: Ideal for one-time international trips, this plan covers you for a fixed duration of travel with benefits like medical and travel emergency protection.
  1. Multi-Trip Annual Plans: Perfect for frequent international travelers, this policy covers multiple trips within a year, typically up to 30, 45, or 60 days per trip, along with fast claims and cashless treatment options.

Student Travel Insurance Plan

A comprehensive Student Travel Insurance plan offers financial and medical assistance to students traveling abroad to complete their higher education. Students might face emergencies or other financial hurdles while staying in a new country and a robust travel insurance plan helps them to continue with their education without any worries. These plans can be taken by student who are already pursuing their education abroad or are planning to go abroad. The insurance cover offered extends for the entire duration of the course. Read more about Student Travel Insurance

Corporate Travel Insurance Plans

A Corporate travel insurance plan can be procured by corporate employers who intend to provide insurance protection to their employees while they are abroad. Corporate plans can be customised according to the requirements of the organisation. All plans offer adequate medical and travel-related cover for policyholders and are available as multi-trip and single round trip policies. Read more about Corporate Travel Insurance

Domestic Travel Plans

Any individual traveling within India can also get a domestic travel insurance plan with covers for medical expenses, loss or theft of baggage, emergency medical evacuation, cancellation and delay of trips, 24/7 customer support, personal accident cover and emergency cash assistance. Read more about Domestic Travel Insurance

Group Travel Insurance

Group travel plans can be availed if there are atleast 20 or more individuals travelling together to a single destination as a group. Most group insurance plans offer cover for trip cancellations and curtailments, delay and interruption of trips, loss of baggage and documents, etc. Since the travel is being done as a group, every member should be completely aware of the benefits offered under the policy that has been availed. Read more about Group Travel Insurance

Family Travel Insurance

Family travel plans can be taken for a single family inclusive of the policyholder and his/her spouse and two children. Most family travel insurance plans offer floater benefits to individual family members under one policy. Medical expenses for hospitalisation, personal accident, hospital allowance, trip delays, loss of baggage, documents, home burglary insurance, etc. Read more about Family Travel Insurance

Senior Citizen Travel Insurance

Senior citizens can globetrot without any hassles with a comprehensive travel insurance plan offering benefits like cashless medical services, medical concierge services, quality health care facilities, international SIM cards, cover for pre-existing conditions, accidental bodily injury, loss of documents, trip delays/cancellation, third party damage, distress allowance, etc.

Customised travel insurance plans

Some general insurance providers offer customised plans for special regions across the world.

Schengen travel insurance

Individuals travelling to the Schengen area for a maximum period of 90 days have to compulsorily avail a Schengen travel insurance policy or a health insurance plan along with the Schengen Visa. Schengen travel insurance policies generally include benefits like emergency medical expenses, repatriation, 24/7 assistance, accidental bodily injury, death or permanent disability, third party liability, extended protection for the family, etc. The countries included under Schengen travel are Austria, Czech Republic, Belgium, Denmark, Finland, Estonia, Germany, France, Iceland, Greece, Latvia, Hungary, Italy, Lithuania, Liechtenstein, Luxembourg, Malta, Netherlands, Norway, Portugal, Poland, Slovakia, Spain, Slovenia, Switzerland and Sweden.

Asia Travel Insurance

Travel insurance policies specific to Asian countries offer travellers comprehensive protection while visiting most Asian and Southeast Asian countries, excepting a few. The exclusions will be specified in the policy issued by the insurer. Benefits included under such policies are emergency medical cover, accidental bodily injury, third party liability, emergency financial assistance, loss of passport, distress allowance, etc.

Extension of Travel Insurance plans

Travel insurance policy holders can extend their plans for a certain period of time if their stay in the foreign destination is prolonged. Different insurers offer specific extension periods depending on the travel destination and the type of traveller.

What is covered under Travel Insurance?

The coverage offered under travel insurance plans varies from policy to policy. The coverage and the sum assured also depend on the different covers opted and the type of individual availing the plan. Given below are the coverages and exclusions with regards to different travel insurance plans available in India.

International Travel Plans

What’s covered?

What’s not covered? - Exclusions

Emergency Medical Expenses

Pre-existing medical conditions

Emergency Medical Evacuation

Expenses incurred due to civil war or terrorism.

Repatriation of remains

Expenses incurred due to suicide, self-inflicted injury or non-adherence to a physician’s advice.

Emergency Dental Expenses

Expenses incurred for liquor, alcohol or drugs.

Hospital Cash Allowance

Treatment of diseases like AIDS, mental or health conditions.

Accidental Death / Permanent Total Disability

Participation in adventure sports / Participation as professional players in various sports.

Loss of Baggage/Personal Documents

If the policyholder is involved in any criminal act.

Loss / Delay of Checked Baggage

Ayurvedic or Homeopathic treatments

Personal Liability

Cosmetic Surgery

Contingency Travel Benefits

Spa treatments

Hijack Distress Allowance

Financial Emergency Assistance

Cover for Home Content

Political Risk and Catastrophe Evacuation

Trip Delays / Missed Flight Connection

Compassionate Visit

Return of Minor Child

Student Travel Plans

What’s covered?

What’s not covered? - Exclusions

Accidental Death

Pre-existing medical conditions

Permanent Disablement

Expenses towards mental disorder, anxiety treatment, alcohol, AIDS, drug abuse and venereal diseases.

Emergency Medical Expenses

Expenses incurred if travelling against a doctor’s advice.

Emergency Dental Treatment

Theft/loss of passport, when left unattended

Loss of Passport

Travel to high-risk zones

Loss/Delay of Checked Baggage

Treatment for certain medical conditions as specified by the travel policy

Personal Liability

Consequential loss

Bail Bond

Study Interruption

Sponsor Protection

Compassionate Family Visits

Psychological Coverage

Medical Screening / Examinations

Family Travel Insurance Plans / Corporate Travel Insurance Plans / Senior Citizen Travel Insurance Plans

What’s covered?

What’s not covered? - Exclusions

Emergency medical expenses

Pre-existing medical conditions / Routine check-ups

Medical Evacuation

Expenses incurred due to civil war or terrorism.

Personal Accident

Expenses incurred due to suicide, self-inflicted injury or non-adherence to a physician’s advice.

Hospital cash

Expenses incurred for liquor, alcohol or drugs.

Loss/delay of checked-in baggage

Treatment of diseases like AIDS, mental or health conditions.

Loss of baggage / personal documents / passport

Participation in adventure sports / Participation as professional players in various sports.

Personal Liability

If the policyholder is involved in any criminal act.

Emergency Cash Advance

Pregnancy

Home Burglary Insurance

Self-exposure to perils

Trip Curtailment/Delays

Cost of devices aiding in medical treatments

Golfer Hole-in-one

Emergency dental expenses

AD&D Common Carrier

Optional Coverage

Some travel plans also offer additional benefits in the form of optional coverage which can be chosen by the policyholder if he/she requires that extra protection. These covers will have to be taken by paying extra premium to the insurer in addition to the standard benefits provided.

Listed below are a few conditions for which optional covers can be taken by a travel insurance policyholder.

  1. High-risk or adventure sporting activities
  2. Cover for travel to war zones or to destinations with high risks.
  3. Onset of pre-existing medical conditions.
  4. Accidental Death and Dismemberment (AD&D) cover
  5. Third-party supplier insolvency
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