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Best Travel Insurance for Indians Travelling Abroad

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Why buy travel insurance from NRIOL?
  • check_circle Compare travel insurance plans at just ₹39 per day*
  • travel_explore Overseas travel insurance policy cover medical and non-medical emergencies
  • credit_card Visa compliant plans available for purchase online
  • calendar_month Travel insurance plans for all age groups
  • medical_information Cover pre-existing conditions under life threatening situations*
  • shopping_cart_checkout Get quote and buy policy of your choice instantly

Looking for the best travel insurance in India to protect your next international trip?

Our user-friendly comparison tool allows you to evaluate expert-reviewed travel insurance plans from top Indian insurers—helping you select the most suitable coverage for your journey abroad. Whether you're traveling for leisure, business, education, or visiting family, you can explore affordable premium options and purchase the right international travel insurance with confidence and ease.

What is travel insurance?

If you encounter unexpected emergencies when you are on a trip, travel insurance can provide you financial protection. You can safeguard from unforeseen expenses for medical emergencies, legal issues, trip cancellations, and other travel-related problems with comprehensive coverage. It is prudent to get covered under a right policy that can cover you for range of potential issues.

What does overseas travel insurance cover?

  1. The Cashless policy Now a days most of the companies offer cashless medical expenses for sickness and accident of overseas travel policies.
  2. Protection round the clock With overseas travel health insurance you are protected 24/7. Means you are covered round the clock.
  3. Medical expenses coverage The plan covers for medical expenses due to accident and sickness while traveling outside India. This covers for both hospitalization medical expenses and out patient medical expenses / doctor visits, pharmacy bills.
  4. Checked baggage loss Reimbursement for loss of checked in baggage.
  5. Baggage delay Reimbursement for reasonable expenses incurred for purchase of emergency personal goods due to delay in arrival of checked in baggage while overseas.
  6. Trip CancellationCovers the loss of pre-paid, non-refundable and unused payments, when the covered trip is cancelled due to illness, injury or death of family member, bankruptcy, jury duty, auto accident, terrorist incident etc.
  7. Pre-existingThis coverage is offered only by some policies and have clearly defined constraints. The pre-existing condition covers any sickness or illness, which existed prior to the effective date of the insurance including whether or not the insured had knowledge that symptoms were related to the sickness or illness.
  8. Emergency Medical EvacuationCovers your medical condition warrants immediate Transportation from the place where You are injured or sick to the nearest Hospital where appropriate medical treatment can be obtained or after being treated at a local Hospital, Your medical condition warrants Transportation to the country where the Trip commenced to obtain further medical treatment or to recover

What are the types of travel insurance plans in India?

Below is the table structure which helps you easily compare different plan types and and select what best fits your needs.

Plan Type Who is it for? Key Features & Benefits
Individual Travel Insurance Solo / single traveler
  1. Covers for inpatient and out patient medical expenses due to illness and accident.
  2. Covers baggage loss, delay, flight delay, flight cancellation.
  3. Solo travelers of any age can buy this plan online.
Family Travel Insurance traveling together as family
  1. Family means primary, spouse, dependent children.
  2. Some insurance companies provide floater cover while some other provide discount on premium if you buy for family.
  3. Benefits covered will be on floater basis or individual benefit for family depending on type of plan chosen.
Senior Citizen travel insurance Travelers 61 years and above
  1. Covers for medical and non-medical emergencies due to illness and accident.
  2. Covers pre-existing diseases (varies with company and plan chosen)
  3. No documents required to buy policy online.
Student travel insurance Students studying abroad
  1. Tailor made health insurance plans to suit overseas university health insurance requirements.
  2. Coverage for health emergencies inside the university and outside university campus abroad.
  3. Students pay in Indian rupees and get health insurance cover in US dollars.
Single trip travel insurance One time trip
  1. Round trip or one way trip can be purchased under this segment.
  2. Short trips are cheaper when compared to longer duration trips.
  3. Suitable for travelers who travel for holidays, visiting friends and children abroad.
Multi trip travel insurance Frequent fliers, business persons
  1. Multi trip policy is suitable for business travelers who travel abroad frequently.
  2. Policy is issued for one year with each trip duration of stay in overseas not exceeding 30,45,60,90 days.
  3. Cheaper plan for frequent travelers than single trip plan.
Schengen travel insurance Traveling to Schengen area
  1. Visa complaint insurance available here for all ages.
  2. Minimum 30,000 Euros or 50,000 USD health insurance will satisfy Schengen visa.
  3. One Schengen plan covers all the Schengen area.
Asia travel insurance Traveling to Asian countries
  1. Suitable for travelers going to Asian countries.
  2. Asian plans are cheaper than individual product plans.
  3. Limited benefits are offered under this plan.
Domestic travel insurance Traveling within India
  1. Suitable for people traveling within India.
  2. No documents are required to buy this plan.
  3. Pay in rupees and get benefits in rupees.
Group travel insurance Traveling groups / organizations
  1. Group travel insurance is suitable for people who are traveling as a group.
  2. Tailor made product plans are available for this type.
  3. Group insurance plans are cheaper than individual insurance plans.

How much does a Tata AIG Travel Guard plus insurance cost per month?

The Tata AIG Travel Guard plus for 30 days starts at just ₹2,474 for coverage Worldwide Including USA & Canada. Tata AIG Travel Guard plus insurance cost varies with the travellers age, destination of travel and duration of travel. Here is a cost table which gives you the cost of Tata AIG Travel Guard plus plan variants.


Tata AIG Travel Insurance Premium Chart – Worldwide Including USA/Canada

  • Plan name 0-40 Years 41-60 Years 61-70 Years
    Silver $50,000 ₹2,096 ₹2,725 ₹5,233
    Silver Plus $100,000 ₹2,505 ₹3,011 ₹6,064
    Gold $250,000 ₹2,836 ₹3,892 ₹7,430
    Platinum $500,000 ₹3,007 ₹4,323 ₹7,968
    Titanium $750,000 ₹4,046 ₹5,428 -
    Titanium Plus $1,000,000 ₹4,829 ₹6,392 -
  • TATA AIG Overseas Travel Insurance Premium Chart – Senior Citizen Plans (Above 70 years)

    Plan name 71-75 Years 76-80 Years
    Senior $50,000 ₹7,709 ₹11,015
    Senior Plus $100,000 ₹10,653 ₹15,188
  • Premium Chart – Senior Citizen Plans (Above 80 years)

    Plan name 81-85 Years 86-90 Years 90+ Years
    Super Senior $50,000 ₹21,613 ₹34,724 ₹43,757

Tata AIG Travel Guard plus for 30 days starts at just ₹1,183 for coverage Worldwide Excluding USA & Canada. Tata AIG Travel Guard plus insurance cost varies with the travellers age, destination of travel and duration of travel. Here is a cost table which gives you the cost of Tata AIG Travel Guard plus plan variants.


TATA AIG Travel Insurance Premium Chart – Worldwide Excluding USA/Canada

  • Plan name 0-40 Years 41-60 Years 61-70 Years
    Silver $50,000 ₹1,002 ₹1,242 ₹2,435
    Silver Plus $100,000 ₹1,178 ₹1,534 ₹3,113
    Gold $250,000 ₹1,336 ₹1,815 ₹3,537
    Platinum $500,000 ₹1,607 ₹2,131 ₹3,982
    Titanium $750,000 ₹2,060 ₹2,534 -
    Titanium Plus $1,000,000 ₹2,523 ₹3,072 -
  • TATA AIG Travel Insurance Price Chart – Senior Citizen Plans (Above 70 years)

    Plan name 71-75 Years 76-80 Years
    Senior 50,000 ₹4,953 ₹6,103
    Senior Plus $100,000 ₹5,596 ₹7,925
  • TATA AIG Travel Insurance Premium Calculator – Senior Citizen Plans (Above 80 years)

    Plan name 81-85 Years 86-90 Years 90+ Years
    Super Senior $50,000 ₹11,810 ₹20,205 ₹27,551

Eligibility criteria for travel insurance policy in India

Indian travel insurance can be purchased by any Indian citizen irrespective of the type of policy. You can refer some of the eligibility criteria for different types of plans.

Plan Eligibility
Travel Insurance 3 months to unlimited age
Single-Trip Insurance One way trip or one round trip. Age 3 months to unlimited age
Multi-Trip Insurance Multiple shorter trips 30, 45, 60 days within a year. Age 12 years to 80 years.
Family Travel Insurance Aged 3 months to 70 years for self, spouse and 2 or 3 dependent children under 21 years
Senior Citizen Travel Insurance Aged for seniors 61 years and above
Student Travel Insurance Students enrolled in university with age 16 to 35 years
Schengen Travel Insurance Travellers travelling to Schengen countries. Aged 3 months to unlimited age.

Basic requirements to buy travel insurance

Indian travel insurance policy can be bought by Indian citizens planning to visit abroad for any purpose. Permanent residents of India can also buy insurance for their overseas sojourn for different purposes of their trip. There ae few necessary documents required buy travel insurance like;

  • Passport number of travellers
  • ID proof like PAN or other government-issued documents for proposal form
You have to do KYC for travel insurance before purchase. You should keep these documents handy before fulling our online form. You should also provide exact dates of travel and destination of visit for the proposal form.

Key features of travel insurance plans

When you are traveling abroad you must be aware of facts that it involves several booking and non-refundable expenses. You can travel peacefully when you are covered with a comprehensive travel insurance plan that ensures you make the most of you trip. These are few important reasons to buy travel insurance online:

  1. Cashless Treatment Facility: If you are covered with travel insurance you will get cashless hospitalization services abroad. All you need to do is contact your insurer and visit network hospital for treatment. You can avail hassle-free medical care without any out of pocket expenses. Travel insurance offers cashless service globally.
  2. Fulfills Mandatory Visa Requirements: Many countries have mandated travel insurance to give visa for travelers. You can meet necessary coverage requirements for visa under travel insurance. You can compare and buy travel insurance on our portal and ensure you have the right documents for smooth visa process.
  3. Easy Comparison of Travel Insurance Plans: You can compare variety of travel insurance policies easily online. Our insurance compare engine helps you quickly understand coverage, features and costs of the plan that matches your insurance requirement and budget.
  4. Skip the Insurance Agents: You don’t have to worry about visiting insurance agents. You can sit at home and compare travel insurance policies online and purchase easily. NRIOL insurance comparison and purchases can save your time and effort.
  5. Minimal Paperwork: You have to do only minimal paperwork (in special cases only) for buying travel insurance online. Most of travel insurance plans can be bought online by filling out simple online form. You can make premium payment online and enjoy hassle free experience when buying your travel insurance.
  6. Instant Policy Purchase: After you purchase travel insurance online, your policy is issued almost instantly. You can now buy travel insurance instantly and plan your trip without any delay. You will receive travel insurance policy document in your email. Travel insurance ensured you are protected while on trip and avoid any unnecessary hassles during travel duration.

5 reasons why you should buy Travel Insurance

Your travel plans are prone to unpredictability from getting mugged to having a bad accident, you can face hassles on your trip. Your foreign travel can get messy because of these reasons, it is better to be covered under travel insurance to protect yourself financially. Travel insurance is never an extra expense but safety net that can protect you financially and give you peace of mind during travel duration.
If you are still confused then you must read these top reasons to buy travel insurance from India:

  1. Meets Mandatory Entry Requirements: Indian travel insurance policy fulfils mandatory requirement of 30+ countries.
  2. Covers Any Luggage Mishaps: Travel insurance policy covers for reimbursement for stolen, lost and damaged luggage, depending on your coverage
  3. Protects Every Traveller: Covers individuals, families, scholars, employees abroad and senior citizens
  4. Reimburses for Flight-related Woes: Helps reclaim extra flight-related expenses (flight cancellation and flight rescheduling) under mentioned reasons
  5. Safety Abroad & At Home: Offers stress-free travel with additional protection back home (home burglary/fire insurance) Thankfully, many people now realise travel risks and prioritise their safety by buying travel insurance online. Do compare travel insurance online before purchasing and you will never regret buying this safety net for your trip.

How To buy travel insurance plans online?

  • Step 1: Using online form on this page you can select destination and then click on NEXT button.
  • Step 2: You should select number of people traveling with their age. You can add more people depending your group size. Click on the NEXT button.
  • Step 3: Select Start date & end date. Click on the Next button.
  • Step 4: Click on 'View Plans'.
  • Step 5: Select travel insurance that suits your requirement and continue pay online using payment method of your choice.

How to Extend a Travel Insurance Policy?

A proper travel insurance coverage irrespective of trip duration is a basic necessity. You can extend the existing plan by 1-2 weeks or more based on the insurer you have chosen.

  • Renewal is possible for annual travel insurance plans. For other short-term policies, an extension is available.
  • Some overseas travel insurance also cover emergencies like hospitalisation, accidents, natural disasters, etc. Some even offer an automatic policy extension for such cases.
  • Travel insurance extension requires additional premium in most cases.
  • For planned extension, inform the insurer as soon as possible. Similarly, pay for the additional travel insurance premium according to the changes to your travel insurance plan.
You must know that if your insurer doesn’t have these renewal benefits you will not be able to renew your policy. You must know these facts before buying the plan.

Online travel insurance India, NRIOL travel insurance - FAQ's

What is the difference between single-trip and multi-trip travel insurance?
Feature Single Trip Insurance Multi Trip Insurance
Best For Occasional travelers Business travelers, frequent flyers, corporate employees
Coverage Period One trip only (up to 360 days) Multiple trips within one year (from policy start date.)
Trip Duration Limit Any number of days as per plan chosen Per trip duration 30, 45, 60 or 90 days as per plan chosen.
Premium Cost Pay per trip Annual premium once
Flexibility Trip-specific coverage Covers unlimited trips in a year
Convenience Purchase each time you travel One-time annual purchase for all trips in the year

Can seniors get multi trip travel insurance?

Yes, senior citizens age 61 to 80 years can now buy multi-trip travel insurance. Get quote and buy online.


Are there any travel insurance for senior citizens above 70?

Yes, travellers above the age of 70 years can get insurance coverage up to $100,000 without giving any medical reports. Compare and buy best senior citizen plan online.


Is there a cheapest travel insurance for students traveling from India?

Yes, we have tool which will give the premium and benefit details. You can compare and buy the cheapest Student plan. These plans are tailor made to suit foreign university requirements.


Are there any family travel insurance with pre-existing conditions covered?

Yes, there are family travel insurance which cover pre-existing conditions under life threatening situations. Some of the plans offer family discount on the premium if you buy for family. Compare and buy family travel insurance at (Tata AIG family travel insurance / parents travel insurance)


Does travel insurance cover COVID-19?

Covid-19 is covered as any illness under travel medical insurance plan.


How do I file a claim if I have an emergency abroad? Can I get help 24x7?

You can file a claim being abroad. Contact the relevant toll free number provided in the policy document and proceed as per their advice. Yes all insurance companies provide 24x7 customer support.


Can I get a refund if I cancel my trip and haven’t traveled yet?

Yes, you can cancel your policy and get a refund of premium, if your policy has not yet started or you haven't traveled overseas.


International travel health insurance for Indians

Thanks to the rapidly growing Indian middle class, more and more Indians have disposable incomes and are able to travel outside India. This has been further fueled by the growth of internet and smartphones which has provided easy access to information and tools to travel overseas. As a result we often see Indians traveling to remote corners of the globe both for work as well as for vacations. Indian have truly taken to international travel bug with gusto and traveling overseas as well as travel within India has grown exponentially in the recent past.

However, while travel is exciting, care should be taken to handle unplanned adverse situations and emergency medical expenses which can create be very expensive. Depending on the traveller needs there are several insurance plans offered by IRDAI licensed Indian insurance providers (both public sector as well as private Insurance players). The public sector insurance companies include Oriental insurance, United India and National insurance. There are many private insurance players, some of the notable ones include TATA AIG , Bajaj Allianz, ICICI Lombard, Reliance, Future Generali, HDFC Tokio, Care etc.. The travel insurance policies offered by these companies can be for single trips, or for multiple trips, they could be for individuals or for families traveling together, different policies have also been designed for different age groups and based on the travel destination (within Asia, travel to Schengen states in Europe, travel to the USA etc..).

Compare travel insurance online India

Indians travelling outside India should buy a best travel health insurance with our top India travel insurance companies providing coverage for accident and hospitalization expenses, sickness and medications, repatriation of remains in case of death, loss of checked baggage, passport loss...

Getting overseas travel insurance is very important given one vulnerability in new environment outside India and cost of healthcare in most countries. Travel at peace and security - The cost of travel insurance is easily worth the peace of mind and the security it provides which can be calculated using our travel insurance premium calculator.

NRIOL helps you compare and find best travel insurance policy based on your requirements.

Buy International travel insurance online, Overseas travel insurance India

International travel insurance popularly known as overseas travel medical insurance insures travelers for emergency accident and sickness medical expenses overseas. Expenses for more than 24 hours hospitalization is cashless after the deductible is paid, however doctor visits/physician visits and other outpatient medical expenses are on a reimbursement basis beyond the deductible amount. The deductible is the minimum amount the policy holder has to pay for before the insurance company pays for any expense. However there are a few companies which offer completely cashless plans even for outpatient medical expenses.

Once the traveler enters into a contract with the insurance company for his/her insurance, the insurance company provides him/her the policy copy which has the complete details of the coverage and the relevant toll free numbers where he/she should contact in case of a medical emergency or any other situation resulting in using the policy. The traveler can typically get insurance coverage for a maximum of six months and later on renew it for another six months. But this varies from company to company and it also varies with the age of the traveler. There are few companies which offer insurance for 360 days at one stretch depending on the travelers age. The travelers visiting Australia also can get travel medical insurance for one year. Compare nriol travel insurance and buy travel insurance online India.

Find out more about travel insurance for India

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Types of insurance

Please find out the different types of travel insurance that suits your travel.

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Already outside India

Travelers already outside India without insurance? We can try to get special approval to buy the travel insurance online.

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Pre-existing travel insurance

Visitors travel insurance for pre-existing conditions.

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