What Does International Travel Insurance Cover?
Packing for a trip abroad? Don’t forget travel insurance. It can soften the blow when things go wrong: a hospital stay in a country where care costs a fortune, a medical evacuation, a bag that never turns up, a lost passport, a delayed flight, or a trip you have to cancel at the last minute. What’s actually covered depends on the plan you choose.
Compare international travel insurance plans from India and check which benefits fit your destination, age and travel dates. Rates start at ₹29/day*.
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Travel insurance benefits for international trips
What is covered under overseas travel insurance?
- checkCashless hospitalisation worldwide
- checkDoctor visits, out patient medical expenses covered
- checkVisiting doctors prescribitions covered
- checkCovers trip cancellation, flight delay
- checkPre-existing medical conditions covered (T&C apply)
How to Choose International Travel Insurance from India?
Which Travel Insurance Is Right for You?
The right international travel insurance plan depends on where you're going, how long you'll stay and the level of protection you need. Here are some options for Indian travellers to consider.
- Looking for affordable medical cover for a short holiday? → TATA AIG Silver Plan → $50,000 medical coverage, starting at ₹29/day*.
- Want a higher medical coverage limit for a family holiday or trip to Singapore? → TATA AIG Gold Plan → $250,000 medical coverage, starting at ₹38/day*.
- Have a pre-existing medical condition? → Compare TATA AIG travel insurance plans with pre-existing → Listed pre-existing condition limits range from $2,500 with Silver to $20,000 with Titanium Plus, subject to policy terms and eligible circumstances. Check the wording carefully before buying.
- Want protection against eligible trip cancellation expenses? → Compare plans with trip cancellation benefits → Silver offers $500, Gold $750 and Titanium Plus $1,500 in trip cancellation coverage, subject to the policy's covered reasons and conditions.
- Travelling to France, Germany or multiple Schengen countries? → Schengen travel insurance from India → Medical coverage starts at $50,000, with premiums from ₹29/day*. Check that your policy meets Schengen visa requirements and covers your full trip.
- Visiting the USA or Canada, where medical treatment can be expensive? → TATA AIG Platinum Plan → $500,000 medical coverage, starting at ₹48/day*.
- Planning an expensive, long-haul trip and want the highest listed medical cover? → TATA AIG Titanium Plus Plan → $1,000,000 medical coverage, starting at ₹64/day*.
What Is Covered Under International Travel Insurance?
Travel insurance isn’t just about medical emergencies. It can also come to the rescue when your flight, baggage, passport or travel plans go sideways.
Here’s what to look for when buying a policy for an overseas trip from India.
1. Emergency medical expenses
Falling ill or getting hurt far from home is hard enough without the worry of a big bill. If it happens, your policy may cover eligible treatment, up to the plan’s limit. Depending on your plan, that could mean a visit to an emergency doctor, tests and scans, prescribed medicines, and a hospital stay if you need one.
2. Hospitalisation abroad
A serious illness or accident can mean a night in hospital or even emergency surgery, and medical care abroad can cost a lot, especially in countries like the USA. Before you buy, check the medical sum insured, what’s excluded, any deductibles, and whether there are limits on particular treatments.
3. Emergency medical evacuation
If you need to be moved urgently to a suitable medical facility, your policy may cover eligible evacuation costs, subject to its terms and the assistance provider’s arrangements. Keep in mind that evacuation doesn’t always mean being flown back to India.
4. Repatriation of mortal remains
Some policies cover eligible costs of bringing the insured person’s remains back to India or to the nearest burial ground if they die abroad. The limit and arrangements depend on the policy.
5. Pre-existing medical conditions
Some of the International travel insurance plans cover eligible pre-existing medical conditions under life-threatening situations up to a limited amount as specified in the benefit schedule.
6. Trip cancellation
If some reason forces you to call off your trip before you leave, your policy may reimburse certain non-refundable costs. The reason for cancellation of trip has to fit the policy’s conditions, though, so cancelling just because you’ve changed your mind usually won’t be covered.
7. Baggage loss or delay
If the airline loses your checked-in bag or it arrives late, your policy may compensate or reimburse you within set limits. The circumstances, reporting requirements and waiting periods all matter.
8. Loss of passport
Some plans cover specific costs of getting a replacement passport abroad. There’s usually a limit, and you may need supporting documents, such as a police report.
9. Flight delay or missed connection
Depending on the plan, you may get a payout for a qualifying delay or missed connection. The policy may set a minimum delay, list eligible causes and ask for proof.
10. Personal liability
If you accidentally injure someone or damage their property and are held legally liable, this benefit may help with eligible costs, subject to exclusions and limits.
Not every plan includes all of these, so check the benefit table and policy wording before you buy.
How Much Does Travel Insurance Cost from India in 2026?
Travel insurance cost in India starts at ₹29/day* and can cost up to ₹64/day*, depending on the traveller’s age, trip duration, plan, and medical coverage selected.
SILVER
₹29/day*
$50,000 cover- check_circle Pre-existing Conditions up to $2,500
- check_circle Baggage loss $200
- check_circle Trip cancellation $500
SILVER PLUS
₹35/day*
$1 lakh cover- check_circle Pre-existing Conditions up to $5,000
- check_circle Baggage loss $200
- check_circle Trip cancellation $500
GOLD
₹38/day*
$2.5 lakh cover- check_circle Pre-existing Conditions up to $10,000
- check_circle Baggage loss $300
- check_circle Trip cancellation $750
PLATINUM
₹48/day*
$5 lakh cover- check_circle Pre-existing Conditions up to $12,500
- check_circle Baggage loss $300
- check_circle Trip cancellation $1,000
TITANIUM
₹53/day*
$7.5 lakh cover- check_circle Pre-existing Conditions up to $15,000
- check_circle Baggage loss $400
- check_circle Trip cancellation $1,000
TITANIUM PLUS
₹64/day*
$10 lakh cover- check_circle Pre-existing Conditions up to $20,000
- check_circle Baggage loss $500
- check_circle Trip cancellation $1,500
*Price shown is for a 60-day trip for a 25-year-old adult travelling overseas. Get an instant quote for your exact trip.
Which Is the Cheapest International Travel Insurance from India?
The cheapest international travel insurance from India is the Silver Plan, starting at ₹29/day* for a 25-year-old on a 60-day trip.
It includes:
- Up to USD 50,000 medical cover for accident and sickness
- Cashless hospitalisation for eligible medical expenses
- Reimbursement of outpatient doctor or clinic visits
It’s a good choice if you’re on a budget and want a plan that meets the basic insurance requirement without paying for extras you may not need. Just keep in mind that the pre-existing condition, baggage and trip cancellation limits are modest. If you have a health condition or expensive bookings, take a look at the higher plans.
Which Is the Best International Travel Insurance from India?
For most travellers, the Platinum Plan is the best international travel insurance from India. It starts at ₹48/day* for a 25-year-old on a 60-day trip.
Here’s what you get:
- Up to USD $5 lakh medical cover for accident and sickness
- Cashless hospitalisation for eligible medical expenses
- Reimbursement of outpatient doctor or clinic visits
It’s a good fit if you want more protection than the cheapest plan offers without paying for a premium one. The higher medical limit and better pre-existing condition cover make it the best balance of price and protection for many Indian travellers travelling overseas.
What Does Travel Insurance Not Cover?
Travel insurance comes with exclusions and conditions, so having a policy doesn’t mean every unexpected expense will be paid back. Knowing what’s usually left out can save you an unpleasant surprise when it’s time to claim.
What international travel insurance often doesn’t cover?
- Pre-existing medical conditions: Pre-existing medical conditions are not covered. However, it is covered under life-threatening situations for a limited amount. The eligible coverage depends on policy terms and conditions.
- Routine tests or treatment: This plans do not cover for routine tests or treatment which you were already taking treatment.
- Planned treatment: If you are travelling abroad for a planned medical treatment, then this policy does not cover this incident.
- Undeclared medical information: If the details you give are wrong or incomplete, it can cause trouble when your claim is assessed.
- High-risk activities: High risk activities like adventure sports and other risky activities are not covered unless specified in the schedule of the policy.
- Unattended baggage: Leaving your things unattended, or not taking reasonable care of them, can affect your claim.
- Known or foreseeable events: If you already knew about a problem when you bought the policy, a resulting cancellation or disruption may not qualify.
Costs above the limits: Anything over your sum insured or a benefit’s sub-limit comes out of your own pocket.
Exclusions vary from one travel insurance plan to another, so read the wording for the plan you’re buying rather than relying on a general list.
What Does Travel Insurance Cover in Real-Life Situations?
Travel insurance can help when unexpected problems arise during an overseas trip. Here are five common situations Indian travellers may face and what their policy might cover.
1. You Need Hospital Treatment Abroad
Suppose you fall ill or suffer an accident while visiting Singapore. Your travel insurance may cover eligible emergency medical treatment and hospitalisation up to the policy limit. Check the medical coverage, exclusions and cashless treatment arrangements before travelling.
2. Your Baggage Is Lost or Delayed
If your checked-in baggage is lost or arrives late at your destination, your policy may provide compensation for eligible losses or essential purchases. Report the problem to the airline and keep the baggage report and receipts for your claim.
3. You Must Cancel Your Overseas Trip
A sudden, covered event may force you to cancel your trip before departure. If your policy includes trip cancellation cover, you may be reimbursed for eligible non-refundable expenses, subject to the policy conditions. Cancellation for every reason is not automatically covered.
4. A Senior Traveller Needs Medical Care
If your parents need medical treatment abroad, coverage will depend on their age, the plan selected and the reason for treatment. Do not assume that conditions such as diabetes or high blood pressure are covered. Check pre-existing disease exclusions and any specific emergency benefits before buying.
5. Your Flight Is Delayed During an Overseas Trip
If your flight is delayed while travelling abroad, your travel insurance may provide a fixed benefit or reimburse eligible expenses, depending on the plan. A minimum delay period and specific conditions may apply. Keep your airline's delay confirmation and check whether your policy covers flight delays before making a claim.
How Much Travel Insurance Coverage Do You Need?
How much cover you need depends on where you’re going, how long you’ll be away and what kind of help you might need along the way.
Medical care in the USA, for instance, can be very costly, while travellers heading to Schengen countries need to check the minimum insurance their visa requires. A short holiday and a year-long study programme call for different benefits and limits, too.
Before you pick a plan, think about:
- Destination: Medical costs and visa insurance rules differ from country to country.
- Medical sum insured: Make sure the limit is high enough for where you’re going and your age.
- Trip duration: Pick a policy that covers your whole trip, from the day you leave to the day you get back.
- Age and medical history: See whether your age fits the plan, share your health details honestly, and read up on any restrictions.
- Purpose of travel: Whether you’re going on holiday, travelling for work or heading off to study, your needs may be quite different.
- Extra benefits: Look at add-ons like evacuation, baggage and trip cancellation, and choose the ones that make sense for your trip.
Don’t choose on price alone. Look closely at the medical cover, sub-limits, exclusions and how claims work before you decide.
How to Choose the Right International Travel Insurance Plan?
Buying travel insurance in India for an overseas trip? Begin with where you’re going and when you’ll be there. Then compare the medical sum insured, age eligibility, trip length and the benefits that matter most for your journey.
Taking your parents along? Pay close attention to age limits and medical exclusions. Students should check what their university requires before buying. And if you’re headed to Europe, make sure the policy meets the Schengen visa requirements.
Before you pay, read the policy wording, save the emergency assistance number in your phone, and find out how to report a medical emergency or file a claim, so you’re not figuring it out in a crisis.
The right plan isn’t always the cheapest one. It’s the one that fits your trip and gives you cover you actually understand.
Can I buy travel insurance after leaving India?
Many insurers only sell overseas travel insurance to travellers who buy before they leave, though the rules can differ from one product to another. So don’t assume you can pick up a policy once you’ve landed. Before you rely on any cover, check with the insurer whether you’re eligible, whether there’s a waiting period, and when your cover actually starts.
Fill the traveller already outside India form and send us the required documents by email. Our team will assist you accordingly to get a suitable insurance
How to Choose the Best Travel Insurance for Overseas Travel?
To choose the best travel insurance for overseas travel, you need to look at several factors. Here are the main ones.
Medical limit
Up to USD $10 lakh medical coverage for travel abroad from India
Pre-existing condition coverage
Some insurers offer limited coverage for pre-existing medical conditions. Confirm the sublimit.
Claim settlement record
Consider the insurer's claim settlement record, claim process, customer support and policy terms.
Cashless hospitals in overseas
Make sure you can access a strong local cashless network through the assistance company.
Trip cancellation
Essential cover if you've booked expensive flights or hotels in advance.
How to File a Travel Insurance Claim from Overseas?
Follow these steps or check our travel insurance claim process guide for complete details.
Call the 24/7 emergency assistance number on your policy before seeking treatment, if your condition allows. Many insurers can arrange cashless treatment at a network hospital.
Keep every original receipt, including hospital bills, pharmacy receipts and doctor’s notes, because reimbursement needs full documentation.
Get a written medical report from the treating doctor describing the diagnosis and the treatment given.
For lost baggage or passport, file a report with the airline or local police within 24 hours and keep a copy.
Submit your claim online or by email as soon as you can, with all documents attached.
Can I Renew Travel Insurance from Abroad?
If you're extending your stay in overseas, check that your insurance remains valid for the entire duration of your stay.
If your stay is extended and your travel insurance is about to expire, you can renew the policy or extend your coverage online. Please fill in the renew overseas travel insurance form online and submit the relevant documents to our insurance advisors. Our customer support team will then send them to the underwriting team for review and approval.
Once approved, you can renew the policy and make the payment online while you are overseas.
It is better to request an extension before your current policy expires. A renewal is not automatic, and coverage for a pre-existing condition will depend on the terms of the renewed policy.
FAQs: About Travel Insurance Coverage
Coverage depends on the insurer and the specific policy. Some plans exclude pre-existing conditions, while others may provide limited coverage under defined circumstances. Travellers should disclose their medical history accurately and check the policy wording before purchasing.
Not necessarily. Eligible expenses may be covered at a hospital that meets the policy requirements, but cashless treatment may depend on the insurer's assistance network and prior approval arrangements.
Some policies cover qualifying flight delays, missed connections or trip cancellations. Payment depends on the covered reason, minimum delay period, policy limits and supporting documents. Airline compensation and insurance benefits are separate and may have different conditions.
A policy may provide compensation for eligible checked-in baggage loss, subject to its limit, exclusions and claim requirements. You should report the loss to the airline, obtain a written report and retain your baggage records and other supporting documents.
Usually, changing your mind alone is not a covered reason under standard trip cancellation benefits. Cancellation cover generally applies only to specified events listed in the policy. Check the wording before assuming that prepaid flights and hotel bookings will be reimbursed.
Choosing Travel Insurance When You Have High Blood Pressure
Before choosing travel insurance, check whether the plan covers emergencies related to high blood pressure and whether any special conditions apply. Compare the pre-existing condition limits, overall medical coverage and premium across the available plans.
For example, some plans may offer a specific limit for eligible treatment related to pre-existing conditions. The limit and the circumstances in which it applies can vary by plan, so read the policy wording carefully before purchasing.
Not always. Travel insurance options, premiums and medical coverage can differ based on age, so a plan available to an adult child may not be suitable for a 72-year-old parent. Before purchasing, check the parent’s eligibility, medical benefits and exclusions for the full 90-day trip. The exact plans and premiums available for this age and duration need to be confirmed.
Before applying for a Schengen visa, make sure your travel insurance meets the required minimum of €30,000 for eligible medical emergencies, hospitalisation and repatriation. The policy must also meet the applicable territorial and travel-date requirements. NRIOL offers international travel insurance options, but check the selected policy certificate and wording to confirm that it meets Schengen visa requirements.
Don't assume that diabetes-related treatment will be covered by a standard travel insurance policy. Some plans exclude pre-existing conditions, while others may offer limited cover under life-threatening situations. Tell the insurer about the condition and check the policy wording before buying. Whether emergency treatment related to diabetes is covered will depend on the selected plan's terms and exclusions.
You may be able to claim a flight-delay benefit if your policy includes it and the delay meets the stated conditions. However, hotel and meal expenses are not automatically reimbursed. Keep the airline's delay confirmation and any receipts, and check the policy's minimum delay period and benefit limit. The exact amount payable will depend on the plan you purchased.
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