Travel Insurance
  • Overseas Medical Cover
  • Afforable Premium
  • Multi Trip Coverage
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Travel Insurance

Nowadays, traveling has become an important part of our lifestyle. Whether it is to travel to work/adventure/fun, we are constantly on the road. It has a lot of perks but a long list of risks can strike without notice. They are known to spoil the journey & cause distress beyond control. But not to worry! You can easily secure your trip with the help of a travel insurance policy.

It is designed to cover financial losses (like lost luggage, medical expenses, flight accident, etc) sustained while traveling (domestic/international). Often, people don't give much credit to this type of insurance. Yes, it may not sound as important as car/bike/health insurance but in the time of need, it can be your savior.

Best Travel Insurance Plans

Today, the world is full of options. From a coffee menu to auto brochures, you have plenty of alternatives to satisfy your wants. Fortunately, we can say the same thing about travel insurance. Keeping the convenience factor in mind, below is the list of best 5 travel insurance plans in India 2020.

CompanyNameImportant FeaturesKey Exclusions
Care Health Insurance (formerly known as Religare Health Insurance)In-patient & out-patient treatment is covered
Trip cancellation coverage
Emergency evacuation service
No coverage for:
Self-inflicted injury/suicide
Injury due to alcohol or drug misuse
TATA AIGCoverage for loss/delay of luggage
15 days free look period for yearly multi-trip
Pre-existing diseases are covered under medical cover
No coverage for:
Self-inflicted injury/suicide
Injury due to terrorist attacks or biological/chemical weapons
Loss due to pregnancy/childbirth
Bajaj AllianzCompensation for loss of passport/baggage
Auto claim settlement
Coverage for home burglary/fire
No coverage for:
Any sexually transmitted disease
Injury/sickness due to involvement in military/aviation/racing/other activities
Pre-existing diseases
HDFC ERGOEmergency cash is available
Medical coverage including dental care
Coverage for postponed/cancelled flights
No coverage for:
Law breached due to criminal intention
Traveling for medical treatment
Suicide/Self-inflicted injury
RelianceCashless hospitalization
Quick claim settlement
Coverage against injury from terrorist attacks
No coverage for:
Pre-existing medical conditions
Traveling against treating doctor's advice
Any sexually transmitted disease

Table Data updated on 19-11-2020

Benefits of Travel Insurance

Every travel insurance plan has a list of benefits that highlights its importance to a person. Below, you will find a few common benefits that you can take into consideration.

Baggage Situation

This is happening more than ever. Baggage misplaced/delay in receiving baggage is becoming the cons of traveling. But if you have this insurance, you will get compensation for the same.

Comprehensive Cover

You can grab a family floater plan which will extend the financial umbrella over your family. It will include your wife/husband & 2 dependent children (below 23 years of age).

Healthcare Benefits

The majority of people get sick/injured (due to various circumstances) while traveling. To avoid further trouble, this insurance will take care of your medical costs.

In-house Fire & Robbery Benefits

While travelling, if your house is robbed or is a victim of fire, you will get the financial cover to fight all damages/losses.

Types of Travel Insurance Plans

A single type of travel insurance is not enough to challenge various types of emergencies. That's why companies offer several travel insurance plans to meet every need of the insured.

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

Domestic Travel Insurance

If you are traveling in India, you must go for domestic travel insurance. It covers all the personal emergency situations like loss/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 financially protects you from unwanted emergencies (baggage misplace/theft, medical assistance, etc.) during your trip abroad.

Corporate Travel Insurance

Corporate 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 safety and security during travelling for work.

Student Travel Insurance

Student travel insurance provides 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. Individuals between 16-35 years of age can avail of this policy.

Senior Citizen Travel Insurance

This insurance is for senior citizens between the age group of 61-70 years. Elderly people face several problems due to their age and traveling adds more to it. So, the companies decided to come up with insurance which has a combination of special requirements such as dental problems, hospitalization, cashless treatments along with the other benefits of basic travel insurance.

Family Travel Insurance

If you are traveling 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 ensures their security on the whole trip. It provides coverage for loss and theft of luggage, medical emergencies, injuries or accidents, additional expenses during the trip.

Individual Travel Insurance

As the name suggests, this insurance is designed to financially protect a single individual against travel related contingencies such as trip cancellation, robbery in the house, accidents, medical assistance, 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 only for a single trip. The coverage provided in this plan is for health emergencies as well as unexpected situations that can occur during the trip. Financial cover for the loss of luggage at the time of check-in is also included in the plan.

Things To Keep In Mind While Buying Travel Insurance

Reason & Period of Travel

The premium amount of insurance is directly linked to the travel period. For example, a longer period of travel will result in a higher premium and visa-versa. In addition, if you plan for a risky trip (full of adventures), the amount for premiums will be higher. If it is a fun trip (just for entertainment purposes), 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 the future. It is advisable to do some digging about the company before you plan to partner with it.

Coverage & Benefits

It is very important to understand the coverage and benefits of your policy. Sometimes the fate of the company rests on them. They are the company's selling point. So, people put more focus on them before choosing the insurance. You should do the same.

Sum Assured Amount

It's simple. The higher the sum insured selected for a trip, the higher would be the premium amount.

Budget Match

You decide on a budget before going for insurance shopping. Every insurance company always states the cost of cover provided to its customers. You should match them with your budget. If it meets your expectations, contact that provider asap.

Claim Settlement Ratio (CSR)

Before locking a deal with the provider, make sure to check the CSR of that company. CSR= Number of claims settled/Number of claims received * 100. Greater the CSR higher will be the chances of your claim settlement & visa-versa.

Online Comparison

Online comparison helps in purchasing the best deal that is suitable according to your requirements when you are on a trip. How so? Well, you can compare different values, features, benefits, premium costs, the sum assured amount, etc. of different companies. This way, you will get the most convenient option among the lot.

Why Go With For Travel Insurance? offers you a host of companies to choose the best suitable travel plan as per your needs. How so? You can request a list of premium rates/features from the top travel insurance companies. From that, you can go with the plan which makes your brain and budget happy.

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

Convinced? Great! Just click on the ‘Get Quotes' icon on the top-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

When you travel, there are countless things that can happen to you or around you. Unfortunately, insurance providers can't provide financial protection against every emergency. The list for the same is given below:-

  • Any type of expense that occurs due to local protests or civil war.
  • Hospitalization due to pre-existing conditions.
  • Delay of baggage which is less than 24 hours.
  • Any self-inflicted injury such as suicide or an attempt to it will not be covered.
  • No protection against cosmetic surgery.
  • Any type of injury/accident due to the person being drunk/overdosed.

Claim Process of Travel Insurance

This is the reason why people buy travel insurance i.e. to grab the claim when they need it the most. Below are the steps for the same. Carefully follow it to get a positive response.

  • In order to file a claim, immediately call or write an email to the travel insurance company. You may find the customer care number and the email address in the policy document.
  • The required documents need to be sent to the insurer by email, post or fax.
  • After the submission of documents, the insurer will verify the information and the claim will be processed if all the conditions are fulfilled.

Note: 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).

Whether you are traveling for work or an adventure, you do carry some responsibility on your head. Your brain is fully focused on that. Additional problems such as baggage theft or expenses of medical emergencies will only add to the pressure, which in turn will hamper your productivity. Here, the smart thing to do is ride with travel insurance. It will take care of travel related emergencies and let your brain focus on the things which it initially planned to do.


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 6, 2018

Nachiket pardeshi

I purchase a domestic travel insurance which covers for medical emergencies, permanent disability and death, baggage loss etc.

January 3, 2018

Nidhi yadav

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.

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Last updated on 19-11-2020