International Travel Insurance for Indians Travelling Abroad

Compare International Travel Insurance Plans

Different trips call for different cover. A short holiday, a family visit to the USA and a business trip to Europe are not the same, and your insurance shouldn’t be either.

Compare plans on medical cover, emergency assistance, baggage benefits and other insured events. Look at the limits, deductibles and exclusions, not just the premium.

Enter your destination, travel dates and traveller details in the quote form above to get started.

What Does International Travel Insurance Cover?

International travel insurance is designed to help with eligible expenses arising from unexpected events during a trip abroad. The benefits vary by insurer and plan, so check the policy wording before purchasing.

Emergency medical expenses: A policy may cover eligible treatment for an unexpected illness or injury during your trip, subject to the medical limit, deductible and policy conditions.

Hospitalisation and emergency assistance: Depending on the plan, you may receive assistance with hospital admission and arrangements for eligible medical expenses. Cashless treatment is subject to the insurer's procedures and applicable conditions.

Emergency medical evacuation and repatriation: Some plans provide cover for eligible emergency transportation or repatriation expenses, subject to the benefit limits and policy terms.

Baggage and travel-related benefits: Depending on the plan, benefits may include checked baggage loss, baggage delay, flight delay, missed connections or trip cancellation. Each benefit has its own conditions, limits and exclusions.

Pre-existing medical conditions: Don't assume that an existing condition is covered simply because you have travel insurance. Coverage, where available, may be limited to specified circumstances and amounts.

Before buying, read the benefit table and policy wording to understand what the insurer will cover and what you may need to pay yourself.

What Is Not Covered by International Travel Insurance?

Travel insurance is a great safety net, but it doesn’t cover everything. Exclusions vary by insurer and plan, so it’s worth knowing where the gaps are before you fly.

Pre-existing medical conditions If you already have an illness, treating it abroad usually isn’t covered, unless your policy specifically includes a benefit for it.

Routine check-ups and planned care Regular health check-ups, scheduled treatments, and elective procedures abroad generally aren’t covered. Insurance is meant for emergencies, not planned care.

Self-inflicted injuries Injuries from intentional self-harm are typically excluded.

Risky activities Bungee jumping, scuba diving, skiing, and similar adventure sports may not be covered unless you add specific cover for them.

Alcohol or drug-related incidents If a claim stems from being intoxicated or using prohibited drugs, the insurer may reject it, depending on the policy terms.

Trip cancellations for uncovered reasons Cancellation costs aren’t automatically reimbursed. The reason you cancel must be one your policy actually lists, like a medical emergency or a family bereavement. Changing your mind won’t qualify.

Unattended baggage If your bag or belongings go missing while you’ve left them unattended, the claim may be denied, depending on the circumstances and policy conditions.

Before you buy

Take a few minutes to read the policy wording, paying close attention to:

• The exclusions list
• Medical coverage limits
• Claim conditions (documents needed, deadlines for reporting)

Plans differ a lot, so pick one that fits your destination, trip length, age, and what you’ll actually be doing on the trip.

*Price shown is for a 60-day trip to UK for a traveller aged 25 years. Get an instant quote for your exact trip.

Which Travel Insurance Plan Is Right for You?

Your travel purpose and personal circumstances can help narrow down the available options.

For an individual traveller: Compare individual travel insurance plans based on your destination, medical cover and trip duration.

For families travelling together: Check the eligibility rules for family travel insurance, including who can be insured under the plan. Family arrangements and discounts depend on the insurer's terms.

For senior citizens: Check the maximum entry age, medical coverage, applicable sub-limits and rules for pre-existing conditions for senior citizen travel insurance. Not every plan is available at every age.

For students going abroad: Look for student travel insurance that meets the medical coverage and other requirements of your university or programme. Confirm acceptance with the institution before purchasing.

For frequent international travellers: An annual multi-trip travel insurance may be worth considering if you make several overseas trips each year. Check the maximum duration permitted for each trip and the policy's eligibility conditions.

What Are the Travel Insurance Requirements for Different Destinations?

The insurance you need can depend on the country you're visiting and the purpose of your trip. Some destinations or visa categories require specific insurance documentation, while others may not make travel insurance a visa requirement.

USA and Canada: Medical treatment can be expensive, so check the medical sum insured, emergency benefits, deductibles and exclusions carefully.

Schengen countries in Europe: Applicants for a standard Schengen visa generally need travel medical insurance that meets the applicable requirements, including at least €30,000 in coverage. Check the current visa rules and the policy's geographical validity before applying.

United Kingdom: Check the medical benefits and exclusions of your chosen plan, particularly if you're visiting family or travelling with older relatives.

Asian destinations: Compare the coverage available for your particular destination and travel dates. Requirements and medical costs vary between countries.

Don't choose a policy based on the destination name alone. Confirm that the policy covers your complete itinerary and satisfies any insurance conditions that apply to your visa or stay.