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The travel industry has grown at a rapid pace, and with more people getting involved travelling, it's important to know the importance of travel insurance. Travel insurance keeps your trip safe from big financial losses. It can help cover costs if you face sudden medical issues or trip problems, whether you're travelling abroad or within your own country.
Some advantages of travel insurance include treatment at a hospital without an upfront payment, support in case of delayed baggage or flight, when a passport is lost, cancellation of a trip, and many more.
These advantages extend to your complete trip until your return to India. Whether you want to visit just one country or several different countries, whether you are a student or a senior citizen, you will always find the best travel insurance policy in India for your trip.
What is Travel Insurance?
Travel insurance in India gives financial security to the policyholder in case any kind of mishap happens while travelling. A travel insurance plan protects you from unexpected expenses due to various medical, legal, and booking-related troubles. Most travel insurance plans in India provide coverage for the following situations:
- Loss of passport
- Cover for sickness
- Loss or stolen baggage
- Trip delay
- Personal liability
- Hospitalisation expenses abroad
- Aircraft hijacking
- Personal accident
- Emergency transport to a hospital
- Baggage cover
Facts to Know About Travel Insurance in India?
| Categories | Features |
|---|---|
| Entry Age | 3 months to 60 years or as specified in the policy |
| Claim Procedure | Can claim both online and offline |
| Covid 19 Insurance Coverage | Yes. |
| Duration of Travel Insurance | 1 day to 1 year |
| Travel Insurance Cost in India | Starting price Rs. 30 per day* |
| Covers Family | If you purchase family travel insurance |
| Medical Benefits | Treatment expenses, accidental death or disability, medical evacuation and repatriation, dental cover |
| Optional | Pre-existing disease, Home burglary, Nervous/Mental disorder, Adventure sports, dental. |
| Countries covered | 200+ |
| 24*7 Worldwide Assistance | Emergency helpline, EAM, Mobile app and more provided by insurers. |
Types of Travel Insurance Policies in India?
- 01
International Travel Insurance Plan
The international travel insurance plan provides security from any unexpected costs while you are travelling outside India. It includes conditions such as medical emergencies or trip cancellations and more.
- 02
Schengen Travel Insurance
If you're planning to visit any country in the Schengen area (like France or Germany), this insurance will help you with medical and trip issues when you're there.
- 03
Family Travel Insurance
This insurance plan protects your whole family during a trip. It will help you in protecting everyone from different types of medical or travel-related problems.
- 04
Senior Citizen Travel Insurance
This plan is meant for older adults (usually over 60). Senior citizen travel insurance plans provide coverage for health issues or other travel issues during their trip.
- 05
Student Travel Insurance
This insurance is for students studying abroad, helping with medical expenses, lost documents, or other emergencies during their studies.
- 06
Travel Medical Insurance
Travel medical insurance mainly focuses on covering medical costs that may come up during your trip if you get sick or have an accident.
- 07
Multi-trip Travel Insurance
If you travel many times in a year, this plan covers multiple trips under one insurance. It prevents you from buying a new plan each time.
- 08
Single Trip Travel Insurance
This plan is only available for just one trip. It protects you from unexpected costs during that particular journey.
- 09
Domestic Travel Insurance
This covers trips within India, helping with things like delayed flights, lost luggage, or medical emergencies during the trip.
- 10
Baggage Insurance
This plan gives you money if your luggage is lost, delayed, or damaged during your trip.
- 11
Flight Insurance
This covers issues related to your flight, like cancellations, delays, or accidents, offering you financial protection.
Eligibility Requirements For Travel Insurance in India
| Insurance Plan | Eligibility |
|---|---|
| Travel insurance | Must be 0.6 to 70 years old. |
| Single-trip travel insurance | Eligible for only one trip. Adult age: 18 to 70 years Children age: 3 months and above |
| Family travel insurance | Available for 4 people including the insured, spouse and 2 dependents. Adult age: 18 to 60 years Children age: Must be below 21 years |
| Senior citizen travel insurance | Available for seniors of the age 61 to 90+ years |
| Student travel insurance | Must enrol in an educational institution aboard. Must be between 16 to 35 years or according to the plan. |
| Multi-trip travel insurance | Adult age: 18 to 70 years Children age: 3 months and above. It is also renewable |
Inclusion and Exclusions in Travel Insurance Policy
Inclusions (What's Covered)
Baggage Loss and Delay
If your luggage is lost, stolen, or delayed, the insurance pays for the lost items or extra expenses.
Personal Liability
If you accidentally hurt someone or damage their property during the trip, travel insurance will cover the costs.
Trip Cancellation and Interruption
If your trip is cancelled or cut short due to an emergency, the insurance helps pay for the losses.
Medical Expenses
If you get sick or hurt while travelling, this plan covers unexpected medical emergencies, like hospital stays or medicines.
Trip Delay
This insurance helps pay for extra costs if your trip is delayed for reasons out of your control.
Emergency Medical Evacuation
This covers the cost of emergency transport to a hospital if you have a serious health problem.
Accidental Death and Disability
It also gives your family financial protection if you pass away or become disabled because of an accident during your trip.
Exclusions (What's Not Covered)
Self-harm or Suicide
The insurance policy also doesn't cover any injuries or deaths caused by self-harm or suicide attempts.
Injuries Under the Influence
Your claim will get rejected if you get hurt while under the influence of alcohol or drugs.
Travelling Against Medical Advice
If you travel even though your doctor advised against it, the insurance might not cover your claims.
Complicated Pregnancy
Medical costs related to pregnancy complications may not be covered.
Pre-existing Conditions
If you have some health conditions you had before the trip may not be covered.
Extreme Sports
Injuries from extreme sports like bungee jumping or skydiving are usually not covered unless you buy extra coverage.
Late Reporting of Baggage Claims
If you report lost luggage too late, your claim might be denied.
Illegal Activities
Losses due to fights or involvement in illegal activities are not covered.
Travel Insurance Plan Add-ons
- 01
Adventure Sports Coverage
This add-on covers injuries or accidents that happen while doing adventurous activities like trekking, skiing, or scuba diving.
- 02
Home Protection
This add-on protects your home from burglary or theft while you're away, so you can travel with peace of mind.
- 03
Minor Child Escort
In case of an emergency, this add-on ensures that any child travelling with you is safely brought back home.
- 04
Rental Car Damage Coverage
This add-on pays for damages to rental cars during your trip, so you don't need to buy extra insurance for the car.
Basic Documents to Buy Travel Insurance in India
Some important documents that you need while buying travel insurance online are:
Passport number of travellers.
ID proof like PAN or other government-issued documents for proposal form.
KYC for travel insurance needs to be done before buying, so keep these ready before you begin to fill out the form. You will also need your exact date of travel and destination for the proposal form.
Why Should You Compare Travel Insurance Online?
There are so many travel insurance plans available in India, which makes it hard to choose the right one. The best way to find the right plan is to compare it with different options. This will help you in knowing which company is giving the best benefits. Some advantages of comparing travel insurance online are:
- 01
Compare multiple plans
You can easily compare different insurance plans online based on the price, so you can pick one that fits your budget.
- 02
Get Discounts
Many insurance companies in India give discounts when you buy travel insurance online.
- 03
Make better decisions
Comparing plans online helps you find the one with the best coverage for your money, making it a smart and affordable choice.
- 04
Saves Time
Comparing plans online is quick and lets you buy the best travel insurance without wasting time.
How to select Travel insurance in India?
If this is your first trip abroad, choosing the right holiday insurance can be confusing. Before buying travel insurance online, check out this simple guide to help you decide:
How often do you travel?
How long will your trip be?
Which country are you going to?
Who are you travelling with? 
How easy is it to make a claim?
How to Buy the Best Travel Insurance Policy in India Online?
Buying travel insurance online is a very simple process. Here is the step-by-step guide to buying the policy from Square Insurance:
Navigate to the Square Insurance website, and from the menu select travel insurance.
Step 1
Complete the form, select your destination(s), and hit the "Continue" button.
Step 2
Select the duration of your trip on the calendar and click "Continue" to move ahead.
Step 3
Mention how many people are going with you, their ages, etc. You can add more people if needed.
Step 4
If you have any medical conditions beforehand, mention them in the form. Choose 'No' if you don't have any.
Step 5
Enter your mobile number and click 'View Plans'.
Step 6
Choose your plan, and complete the purchase by your payment method.
Step 7
Documents Required for Travel Insurance Claim In India
When you file a travel insurance claim, some documents that you need are:
- 01
Claim Form
This should be filled out and signed.
- 02
Original Policy Document
A copy of your travel insurance policy.
- 03
Proof of Identity
A government ID, like a passport or driver's licence.
- 04
Proof of Travel
Documents like your itinerary, boarding passes, or anything else that shows you travelled.
- 05
Medical Documents
If it's a medical claim, add medical reports, bills, and prescriptions.
- 06
Police Report
If something was stolen or lost, you may need a police report.
- 07
Invoices and Receipts
Original invoices and receipts for any expenses you had.
Requirements may vary from each other as the document requirements may be different according to various insurance companies. So check with your insurance company first to know the requirements.
How to Claim Travel Insurance?
- Contact Your Insurer
Let your insurance company know about the claim by phone or email.
- Ask for Required Documents
Ask them what documents you need to submit to file your claim.
- Submit Your Documents
Send all the necessary documents to the insurer by email, fax, or mail.
- Claim Verification
After you submit your documents, the insurer will check your claim according to the insurance policy.
Countries that Require Travel Insurance From India
More than 30 countries around the world now require travellers to buy travel insurance before they can get their visas. This includes 26 European countries that have a strict rule of at least EUR 30,000 coverage. Countries like Turkey, Qatar, the UAE, and Seychelles also require travel insurance. You cannot enter the country without having travel insurance.
Tips To Buy the Best Travel Insurance Plan
Here's a list to help you choose the best travel insurance plan:Know Your Needs
Always consider your requirements when choosing a travel insurance plan. For example, if you often travel in a group or with family, look for group travel insurance plans, as they usually have lower premiums than individual plans.
Choose Important Add-Ons
Only include add-ons in your policy that you actually need. Customising your policy too much can raise the premium. For instance, if you won't be doing adventurous activities, there's no need to add medical coverage for those.
Consider Multi-Trip Insurance
If you travel frequently, think about getting a multi-trip travel insurance policy. This can save you a lot of money.
Compare Plans
Before buying any travel insurance, make sure to compare different plans to find the best option for you.
Travel Insurance Terminology
- 01
Sum Insured
Sum-insured is the amount of money that you receive if something unfortunate happens during your trip.
- 02
Reimbursement
This is a period when you pay your expenses up front and the insurance company pays you back later. Keep receipts in order to get reimbursed easily.
- 03
Sub-Limits
These are your travel insurance plan limitations on some of the coverages. For example, there's a fixed rate for a hospital room rent or an ambulance. If your expenses go over these limits, you'll have to pay the extra.
- 04
Condition Precedent
This is a particular condition that needs to be fulfilled before the coverage from the insurance is applied.
- 05
Grace Period
This is a period where you can pay your insurance premium late but still enjoy the benefits of your policy.
- 06
Immediate Family Member
This refers to your close relatives, such as parents, spouse, children, siblings, and legal guardians, who live in India.
- 07
Cashless Settlement
This means that the insurance company will pay for your losses directly without you needing to pay upfront.
- 08
Common Carrier
This is any company, like airlines or buses, that provides transportation for people.
- 09
Equipment Failure
This is when the carrier's equipment breaks down and causes a delay in your trip.
- 10
Land/Sea Agreement
This refers to arrangements made for a scheduled trip by the travel operator, covering both land and sea travel.
- 11
Subrogation
This means that if you get hurt by someone else, your insurance company can take legal action against that person on your behalf.
- 12
Travelling Companion
This refers to people who are travelling with you.
- 13
Deductible
This is the amount you have to pay out of your own pocket before your insurance starts covering costs.
- 14
Hospitalisation
This is when you are admitted to a hospital for medical care for at least 24 hours.
- 15
Room Rent
This is the fixed charge you pay when you are admitted to the hospital.
FAQs
Travel insurance is a type of protection that helps cover unexpected expenses if something goes wrong while you're travelling, like medical emergencies or lost luggage.
You should buy travel insurance before your trip starts. It is best to buy it when you book your travel arrangements.
You need travel insurance to protect yourself from unexpected costs, like medical bills or trip cancellations. Anything can happen during your travels, so it is best to buy travel insurance.
To claim travel insurance, you need to contact your insurance company, tell them about your issue, and provide any necessary documents like receipts or reports.
Yes, travel insurance can cover issues related to your flights, like cancellations or delays, However, it depends on what kind of policy you buy.