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Travel Insurance
  • Medical Cover
  • Afforable Premium
  • Multi Trip Coverage
  • Delay or Missed Flight Cover
  • Luggage & Passport Loss Cover

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Travel Insurance

Travel Insurance is an insurance policy that provides financial assistance against unexpected emergencies during your travel. When you are on a trip whether individually, with friends, colleagues or family, there might occur some risks due to uninvited circumstances. During those times, travel insurance is the one which can secure you and your family from the financial burden. People often neglect this type of insurance as they do not find this as important as other life-saving insurances but this plays a crucial role at the time of emergencies for you and your family.

At you can compare travel insurance policy from a wide range of products.

Importance of Travel Insurance

Health Insurance Example

Nowadays, travelling is a part of everybody's life, it doesn't matter if you are travelling for leisure or work whether it might be travelling for adventure with friends, travel to spend quality time with family, or travel with colleagues or individually for work, etc. Well, we all love to travel but we should not forget the risks of life while travelling. Possibilities of unexpected situations can spoil the journey and cause distress creating an emergency situation.

But not to worry! Secure your trip with the help of a travel insurance policy. A travel insurance plan will help you in taking care of unpredictable situations during a journey. It will assist you in circumstances like loss of material, delayed flights, loss of necessary documents such as passport, medical emergency, theft of luggage, etc. that can lead to financial loss. Travel insurance is a blessing to travel around the globe without any worries. PolicyX helps you to purchase a travel insurance plan online with the help of free quotes and an unbiased comparison among top plans provided by best insurance companies in India.

Domestic and international travel plans are also available with a variety of covers for every type of situation. You should always compare travel insurance online to get the most affordable policy with great coverage.

Benefits of Travel Insurance

To buy any insurance plan, the most important thing is to focus on the features of the same. Below are a few features that you will get with a basic health insurance plan. With the understanding of the following features, buying an effective health insurance plan will become easier for you.

Safety of Luggage

Safety of Luggage

If your luggage got missing or delayed at the time of travel, this benefit will assure the security of the luggage and pays you back the amount for the same.

Comprehensive Cover

Comprehensive Cover

Several plans are offered by the companies for different groups of age of people including flight issues like cancellation and delay. You can enjoy the benefits of family floater under the plan.

In-house Fire & Robbery Benefit

In-house Fire & Robbery Benefit

While travelling abroad and nobody is there in the house to take care, this benefit is there to cover the losses and damages occurred due to fire or robbery in the house.

Healthcare Benefits

Healthcare Benefits

This benefit takes care of your health, injuries or other medical costs during emergency cases due to any reason.

Travel Benefits

Travel Benefits

The benefit acts as an advantage at times when you miss any connecting flights, or postpone the trips or even cancel it.

Add-On Benefits

Add-On Benefits

various add-on benefits in the form of legal expenses and liabilities are offered by the companies such as if the passport gets lost.

Types of Travel Insurance Plans

Travel insurance differs according to various factors depending on the type of location, duration and a lot more. This policy provides coverage against all possible emergency affairs throughout the trip.

Let's have a look at the different types of travel insurance:

Domestic Travel Insurance

If you are traveling within India then you must go for domestic travel insurance. It covers all the personal emergency situations like loss and theft of baggage, cash in advance, medical assistance, financial support in an accident, etc. The individuals between the age group of 18 and 65 years can buy this plan.

International Travel Insurance

International Travel insurance or overseas insurance is an insurance policy that will protect you from unwanted emergencies during your trip abroad. Every journey has its different necessities that is why this type of plan is useful when you are planning for a trip outside the country and at the time of booking trips, loss of luggage, cashless treatment etc.

Corporate Travel Insurance

Corporate Travel Insurance or business travel insurance is intended to cover working employees with the expenditure for any emergency at the time of a business trip. Corporate companies purchase this type of insurance for their employees to ensure the safety and security during travelling for work.

Student Travel Insurance

Student travel insurance policies provided the required coverage which helps to neutralize travel-related risks during a student's stay abroad for studies. The exact coverage varies from insurer to insurer.

Senior Citizen Travel Insurance

As the name suggests, this insurance is basically for senior citizens between the age group of 61 and 70 years. Senior citizens have to face many problems as they are aged, so the companies considering their need for support have designed this category to cover various requirements such as dental problems, hospitalization, cashless treatments in addition with the other benefits of basic travel insurance.

Family Travel Insurance

If your travelling with your family including spouse and children, this plan is the best deal for you. This insurance is meant for the entire family of an individual and insures their security in the whole trip. It provides coverage for loss and theft of luggage, medical emergencies, injuries or accident, additional expenses during the trip.

Individual Travel Insurance

Individual insurance is mainly for a single person or an individual covering him from travel related contingencies. Through individual insurance, you'll get coverage against trip cancellation, robbery in the house and a postponed trip.

Multi-Trip Travel Insurance

Multi-trip travel insurance may be a kind of travel insurance providing extended coverage ideally for one whole year, specially designed for frequent fliers for multiple journeys so they don't need to apply for insurance every time they travel.

Single Trip Insurance

This type of insurance is for a single trip only. The coverage provided in this plan are health emergencies as well as unexpected situations that can occur during the travel. Loss of luggage at the time of check-in is also included under the plan.

Best Travel Insurance Plans in India 2019

Company NameCoverageKey FeaturesExceptions
Tata AIGAnnual Multi trip
Senior citizen
Family Floater
Coverage of cancellation or delay of flight, medical costs, hijacking, death.
Coverage of pre-existing diseases
Two-way compassionate visit
Loss of checked-in luggage
In-house fire & robbery covered
Apollo MunichIndividual
Family Floater
Annual Multi Trip
Advance Cash during emergencies
Loss of checked-in luggage
Cancelled or postponed flight
Coverage for personal requirements
Pre-existing diseases are not covered
No specific European/ Schengen plan
RelianceAnnual Multi trip
Senior citizen
Family Floater
Coverage of bail bond
Coverage of pre-existing diseases
Two-way compassionate visit
Loss of checked in luggage
In-house fire & robbery covered
Bajaj AllianzAnnual Multi trip
Senior citizen
Family Floater
Emergency cash advance
Loss of checked in luggage
In-house fire & robbery covered
Two-way compassionate visit
Coverage of bail bond
Pre-existing diseases are not covered.
HDFC ErgoIndividual
Family Floater
Annual Multi Trip
Loss of checked in luggage
Flight delay benefits
Study interruption
Treatment of mental and nervous disorder
Pre-existing diseases are not covered.

Things To Keep In Mind While Buying Travel Insurance

Travel Cause and Period

It is crucial to know that the longer the period of travel the premium amount will also be much more than expected. In addition, if you plan for a risky trip having adventures, the amount for premiums will be higher. If it is a fun trip just for entertainment purpose then lower premiums will be applicable.

Reliability of the Company

Before purchasing a policy it is important to check the market reputation of the insurance company so that you do not have to face any problems in future with the company and its terms and conditions or any other information. It is advisable to do some research before purchasing a policy.

Travel Destination

The amount of the premiums will depend on the location your are planning to visit along with the associated risks with it.

Coverage & Benefits

It is very important to understand the coverage and benefits of your policy. Read thoroughly the information provided regarding your policy information along with the terms and conditions.

Age of the Insured

An individual above 35 years of age is considered to be more prone to danger than the person of 25 years, that is why the premium amount for the people more than 35 years shall be higher than the people under the age of 35 years.

Sum Assured Amount

It's simple, the higher the sum insured selected for a trip, the higher would be the mount for premiums. So choose as per your needs and do not exceed your financial estimates planned before going on a trip.


If you purchase a plan, you definitely might have some budget to purchase the same. Go through the expenses and costs and the cover provided by the company to their customers so that you can select for a plan that is available at an affordable price for you.

Claim Settlement Ratio (CSR)

Kindly, before purchasing any plan make sure to check the CSR of the insurance company as it defines the ratio by which the company settles each and every claim of the policyholders. Greater the CSR, higher will be the chances of your claim settlement.

Why Is Comparison Necessary for Travel Insurance?

Travelling at different places with different people, friends, family or colleagues is excitement and fun. Trip to a new place and new faces around is a bit challenging for an individual where you may come along with some unexpected conditions that is where travel insurance acts as a saver against the circumstances. Any loss, theft, medical emergencies during the trip is covered under travel insurance. That is why it is important to compare and buy travel insurance.

  • 01
    Comparison helps in purchasing the best deal that is suitable according to your requirements when you are on a trip.
  • 02
    It assists you to choose the right plan by comparing different values, features, benefits, premium costs, sum assured amount, etc. from different companies.
  • 03
    With the help of comparison you will definitely select an affordable and most convenient plan to secure your trip from any hurdles.
  • 04
    Online quotations are available now by various insurance companies and web aggregators from where you can easily check the details within a few seconds.
  • 05
    With the complete detailed information about a travel insurance policy you are good to go with it.
  • 06
    If you do not compare and choose, you might end up wasting your precious money on a useless plan with fewer benefits and results and have to suffer at the time of need.

Travel insurance guarantees to take care of your home as well when you are away and outside the country. The several advantages along with additional support from the insurance plans help a lot at hard times during travelling. To secure your trip and fight against any emergency, it is necessary to compare and buy travel insurance now!

Why PolicyX for Travel Insurance?

PolicyX offers you a host of companies to choose the best suitable travel plan. You will get the lower premium rates from among the list of top travel insurance companies. We ensure that you will get all the features and coverage that you are looking for in a travel insurance plan.

What's more? We have a dedicated customer care centre that resolve your queries and make sure that they don't go unanswered.

Just click on the ‘Get Quotes' icon in the bottom-right of this page and fill some basic details to find your quotes by PolicyX. It will display all suitable plans along with their premiums in front of you within seconds.

Exclusions in Travel Insurance

  • If you miss a flight due to civil war or some local protests.
  • Any type of expenses which occur due to local protests or civil war.
  • Hospitalization due to pre-existing conditions.
  • Delay of baggage which is less than 24 hours.
  • Loss or damage of keys.
  • The exclusions differ in every plan. So before buying a policy you should check and compare plans online.


  • I am a student travelling to foreign country to pursue higher studies. As a part of important documentationi got to know about the travel insurance. Was sceptical from where the good and genuine policy. My uncle sugested me policyX. I was amazed by the information provided to me and the right guidance which made me buy the insurance policy as per my requirement.

    - Nidhi yadav, Vijayawada

  • My father is an aged person and he needed to travel abroad to visit my sister. While looking for travel insurance for elderly I cam across policyx where they have niely explained all the plans

    - Raisa ghosh, Pune

  • I was facing problems in renewing my overseas travel policy because of some issues. The customer care team at PolicyX guided me at every step and I renewed my existing travel insurance pocliy within few minutes. Great customer service..keep it up

    - Mehak Tyagi, Allahabad

Claim Process of Travel Insurance

  • In the case of any form of claim call immediately or write an email to the travel insurance company. You may find the customer care number and the email address in the policy document.
  • Please remember to carry all the documents along with you at the time of claim.
  • The required documents need to be sent to the insurer by email, post or fax etc.
  • Documents that will be required at the time of claim are original receipts and bills, policy papers, claim form, passport, ID proof, FIR (in theft cases).
  • After the submission of documents, it will be verified by the insurer with all the information in a survey and then the claim will be processed if all the conditions are fulfilled.


You can send a request mail to the insurer for extension of the policy along with health declaration attached to it.

The total policy period including extension should not exceed 180 days. It can be extended further depending on the insurer's policy.

In case you miss carrying insurance documents, at least you need to keep some important details like policy numbers, customer ID to claim and avail the benefits.

In certain countries, it is a necessary document required at the time of admission. However, It is not mandatory in India.

Yes, under most travel insurance, ambulance charges (pickup and drop both) are covered.

Travel insurance acts as a security to the person travelling in case the person falls sick. The policy covers the bill of the hospitals, lost baggage, evacuation bills, flight cancellation and other such issues. It is a support to deal with the unforeseen situation while you are in transit.

Yes, there is a case when your policy can be cancelled. The situation is when you don't travel to the country for which you have taken the policy. As an evidence, you have to show the passport to the insurance provider that you did not take the policy and they will return you the premium by deducting the administrative cost.

For the single trip, the cover starts the moment you board the flight, train or bus. For the multi-trip, the insurance covers many trips of the traveller. Coverage per trip can be 30 to 60 days.

Yes, for the medical coverage of senior citizens there are companies which offer the policy. Citizens between the age group of 70 and 85 can apply for a travel insurance policy.

All details regarding the problem you have gone through should be mentioned. In the case of medical issues, the name of the disease, along with the bills of the hospital, plus the prescription of doctor for the problem and medication is to be attached along with the clear mention of the patient's name in the documents. Other than this, the company can ask you details which you need to answer.

When a person buys a policy, E-card is given by the company. You need to register on the number mentioned on the E-card to avail the treatment. Every insurance company has its authorized agency working in a foreign country who settles all the overseas claims. Usually, the cashless treatments are for in-patient treatment and not for the out-patient ones.

Yes, this facility is available. You can buy using international debit or credit card. The soft copy of the policy is a valid legal document and proof of travel insurance cover.

Any individual who is more than 3 years and less than 80 years can buy the policy. However, it may vary for different companies. For purchasing the policy, the condition is that you have to travel from India only.

Usually, the policies offer coverage from a minimum of 1 to 4 days. It depends on the insurance company.

Usually, for some companies taking a medical test is mandatory. However, companies like HDFC Ergo do not ask for it.

Foreigners working in Indian corporate companies and receiving their salary in Indian currency are covered under the insurance policy.

It is a pre-departure coverage which reimburses the insurer if due to some reasons the trip gets cancelled. The reasons for cancellation can be a natural disaster, injury, illness etc.

Yes, the insurer will settle the claim once the person back expects for the case of hospitalisation.

If the travel carrier of the policyholder is hijacked then the insurance company will pay compensation to the family of the insured for a specific period.

Yes, the loss of passport is covered in the insurance policy. Also, the expenses incurred to get a duplicate passport are covered in it.

Find Out What PolicyX Customers Says

March 13, 2018


Kindly let me know the status of my policy claim.policy 31030031170300059390 regard \nMobile no. 7906851591

January 8, 2018

leena mehta

Me and my wife were travelling Austalia for our honeymoon. Travel insurance is must and I bought a good policy cover from policyx

January 7, 2018

Niharika Singh

Being a frequent traveler, I understand the importance of travel insurance. is a good portal to buy travel insurance policy

January 7, 2018

Shruti desai

They have good options and many plans provide additional benefits as well.

January 6, 2018

kanksha arora

PolicyX helped me choose the most appropriate travel plan

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Last updated on 31-10-2019