Travel Insurance

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Compare Travel Insurance Plan Online

Travel Insurance is an insurance policy that saves you from unexpected emergencies during your trip. At you can compare travel insurance policy from a wide range of products. allows you to-

  • Compare travel policies of top travel insurance companies of India
  • Get low Premium for travel insurance plans
  • Purchase policy online easily and instantly

Nowadays, travelling has become an important and frequent event in everyone’s life, it doesn’t matter if you are travelling for leisure or work. People choose to travel for adventure or just to spend quality time with family. Travelling assist in creating lots of happy memories that lasts with a person till the end and they cherish it throughout the life. Who does not want to go on a vacation to enjoy amidst lovely lands and relaxed moments - far away from the daily hectic schedule! Well, we all love to travel but we should not forget the risk that it carries. Yes, it is true that travelling has some risks and possibilities of unexpected situations that can spoil your journey and can cause distress.

Secure your trip with the help of a travel insurance policy. A travel insurance plan will assist you in taking care of unforeseen situations during a journey. It will assist you in circumstances like loss, theft of luggage, delayed flights that leads to financial loss and much more. Travel insurance is the single way to travel around the globe without any tension. You can easily buy a travel insurance plan online. With the help of available free quotes, you will be able to do the comparison among top plans provided by best insurers of the country. helps you in comparing travel insurance plans online and get the best one easily. Here you can do the comparison for domestic and international travel plans as well. You must compare travel insurance online to get the most affordable policy with great coverage.

Travel insurance differs according to various factors depending on the type of location, duration and a lot more. Let’s have a look at the major and most common travel insurances available in the insurance market for you.

Types Of Travel Insurance

You can opt for that coverage that is in accordance with your specific needs. Travel policy provides coverage against all possible emergency state of affairs throughout transit.

Domestic Travel Insurance

To enjoy each and every moment of your trip, you must invest in a travel insurance. If you are on a domestic trip then you must go for a domestic travel insurance. It is important to have a comprehensive domestic travel insurance plan that will eliminate all financial risks and medical expenses during the trip.

International travel insurance

International Travel insurance which is also popular by the name of overseas insurance is an insurance policy that will protect you from unwanted emergencies during your abroad trip. Usually people invest in the same at the time of trip booking.

Corporate Travel Insurance

Corporate Travel Insurance which is also popular by the name of business travel insurance is designed to cover employees against emergency expenses that takes place during the business trip. By providing travel insurance to its employees for business related trips, an organization shows that it cares for its employees.

Student Travel Insurance

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

Senior Citizen Travel Insurance

Senior citizen insurance is for those that fall in the category of 61-70 years. It is a travel insurance aimed at senior citizens to make their travel easier. It includes coverage for dental treatments and cashless hospitalization besides the standard advantages related to travel insurance.

Family Travel Insurance

A family travel Insurance basically insures the complete family of the insured individual throughout travel from travel connected emergencies. Family travel insurance covers hospitalization (travel medical insurance), baggage loss and alternative incidental expenses. The claim disbursement is easy with nominal work concerned.

Individual Travel Insurance

As the name suggests, individual travel insurance is supposed for one individual covering him from travel related contingencies. Through individual insurance, you'll get coverage against cancellation of the trip, home burglary and trip curtailment.

Multi-Trip Travel Insurance

A multi-trip travel insurance may be a kind of travel insurance providing extended coverage typically for a 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 travel insurance provides coverage for the period of one trip. It takes care of medical (travel health insurance) and non-medical emergencies throughout travel as well as coverage for loss of checked-in baggage.

Best Travel Insurance Plans In India

Company Covered Highlights Exceptions
Bajaj Allianz
  • Annual Multi trip
  • Student
  • Individual
  • Senior citizen
  • Family Floater
  • Emergency cash advance
  • Loss of checked in baggage
  • Home burglary covered
  • Two-way compassionate visit
  • Coverage of bail bond
  • Pre existing diseases are not covered.
Future Generali
  • Individual
  • Annual Multi Trip
  • Emergency cash advance
  • Trip cancellation and curtailment
  • Coverage of personal liability
  • Child escort benefit
  • Pre existing diseases are not covered
Apollo Munich
  • Individual
  • Family Floater
  • Annual Multi Trip
  • Emergency cash advance
  • Loss of checked in baggage
  • Trip cancellation and curtailment
  • Coverage of personal liability
  • Pre existing diseases are not covered
  • No specific European/ Schengen plan
  • Individual
  • Family Floater
  • Annual Multi Trip
  • Student
  • Loss of checked in baggage
  • Flight delay benefits
  • Study interruption
  • Treatment of mental and nervous disorder
  • Pre existing diseases are not covered.
Bharti Axa
  • Individual
  • Family Floater
  • Annual Multi Trip
  • Two way compassionate visit
  • Emergency cash advance
  • Specific Schengen plan
  • Pre existing diseases are not covered
  • Annual Multi trip
  • Student
  • Individual
  • Senior citizen
  • Family Floater
  • Coverage of bail bond
  • Coverage of pre existing diseases
  • Two-way compassionate visit
  • Loss of checked in baggage
  • Home burglary covered
  • Annual Multi trip
  • Student
  • Individual
  • Senior citizen
  • Family Floater
  • Coverage of bail bond
  • Coverage of pre existing diseases
  • Two-way compassionate visit
  • Loss of checked in baggage
  • Home burglary covered
New India Insurance
  • Individual
  • Student
  • Repatriation of mortal remains
  • Pre existing diseases are not covered
Iffco Tokio
  • Individual
  • Emergency cash advance
  • Pre existing diseases are not covered
Star Health
  • Individual
  • Flight delay and missed flight benefits
  • Pre existing diseases are not covered
Tata AIG
  • Annual Multi trip
  • Student
  • Individual
  • Senior citizen
  • Family Floater
  • Coverage of bail bond
  • Coverage of pre existing diseases
  • Two-way compassionate visit
  • Loss of checked in baggage
  • Home burglary covered
Universal Sompo
  • Individual
  • Flight delay and missed flight benefit
  • Pre existing diseases are not covered
Royal Sundaram
  • Individual
  • Annual Multi trip
  • Compassionate visit

How To Choose Best Travel Insurance Plan Online

Travel insurance is a type of insurance which provides financial coverage for medical expenses, lost luggage, trip cancellation and flight accident among other losses while you are travelling internationally or within the country. People usually acquire it at the time of booking of a trip. This type of insurance assists you in covering the financial losses during the duration of the trip. A multi-trip travel insurance covers the expenses of unlimited trips in the definite frame of time. assists you in selecting the best travel insurance plan with the help of free quotes and comparison service. Travel insurance plans are the best way to protect yourself and your family from the unwanted incidents that can take place during your trip. It will protect you from the unwanted situations such as trip cancellation, lost baggage, flight accident and medical expenses that occur within the trip duration.

Suppose if you are out on a trip with your family and lost all the luggage and money, then what will you do. At these times, a travel insurance with good features can act as your savior and will provide the financial coverage related to the same. In India, mostly insurance companies such as TATA AIG, Bajaj Allianz, ICICI Lombard, HDFC ERGO and others are providing travel insurance plans at low costs. With the help of free quotes and comparison services, you would be able to get the best plane easily on

Major Events Travel Insurance Covers

Accidental Death and Dismemberment Benefit

It provides coverage for medical expenses incurred towards the treatment due to accidental injuries.

Missed Departure

If you miss the departure of your booked journey, the cost will be reimbursed in case it was caused due to public transport services fail or the vehicle in which you are travelling is involved in an accident.

Accommodation Charges Due to Trip Delay

If the trip is delayed for more than 5 hours due to covered hazard you can avail the benefit according to the maximum limit shown in the Policy scheme.

Loss of Tickets

The insurer will reimburse the amount stated in the scheme/plan if it is lost by you and it leads to not continuing the intended travel.

Emergency Medical Evacuation

In the event of a medical emergency, arrangements for evacuation and transportation of the insured are covered.

Loss of Baggage

Travel insurance provides cover for you in the case of loss or theft of your baggage during the transition. The cover depends on the plan chosen and varies from one insurance provider to another.

Loss of Passport

Imagine going out for a trip and losing the all important document: your passport. Nothing else will make you fret more than losing your passport. But fret not as travel insurance gets you covered for such loss or thefts.

Things to keep in mind while buying

Destination of Travel

Your destination and the risks associated with it decide the amount of premium that you will have to pay.

Hassle Free

There is many travel policies which are available in the market. For choosing the one you prefer the policy which is convenient to buy and is clear in all aspects. There is no hassle while buying.

The Credibility of The Company

It is very important to check the goodwill of the company before buying the policy. This will help you to know that the company is reliable and you should buy or not. Simply buying the policy without any research is not a good idea.


It is very important to know the coverage which your policy offers. Having add-ons or no add-ons determine the cost of the premium. Here are advantages of having add-ons as it widens the coverage section which can be beneficial in case of a problem.

Solvency Ratio

This determines the fiscal goodwill and the steadiness of the company. It explains about the company’s ability to generate business without being bankrupt.


Needless to say that for you to purchase travel insurance, it ought to be affordable. Check the features and coverage offered by the plan and the premium that you would need to pay before buying any.

Purpose and Duration of Travel

Another important factor, the longer the duration, higher would be the premium. Also, if you are going for an adventure trip which involves risks, then the premium would be higher. If on a leisure trip, the premium would be lower.


As in the case with other insurance products, if you buy travel insurance at say 25 years of age then the premium would be less. However, if you buy travel insurance at 35 years of age then the associated risks will be kept in mind by the insurer while calculating your premium which would be comparatively higher.

Sum Insured Amount

It’s simple, higher the sum insured selected for a trip, higher would be the premium. So chose as per your requirement and don’t overshoot the budget.

Claim Settlement Ratio

It is this factor that determines how easily you will get your claims from an insurer in case you decide to file a claim. Check this all so important feature before you finalise the company.

Features Of Travel Insurance Plan

When buying a travel insurance online, it is all about covering the unexpected situations which may come in the trip. The policy should begin from home that is the moment your trip starts. Given below are some of the basic features which the policy covers.

Flight Issues – Providing compensation for the delay or cancellation of flight should be there. This is basically for foreign countries and only some companies offer. In the waiting period, you will be given an accommodation to stay until the time you don't get your flight.

Medical Emergencies- Life is unpredictable and you might face some accident or any illness during the trip. This is the basic thing which your policy should cover. Starting from the ambulance to the hospitalisation everything should be included in it.

Travel and Accommodation- There can be any kind of emergency which can cause the delay of the trip or the termination. The best travel policy will cover this too. So the expenses which may arise in hotel accommodation, travelling locally or air ambulance (some critical health issue) should be covered under the policy.

Legal Expenses and Liability- In addition to medical and accommodation expenses the best policy will definitely cover the legal expenses and legal liability which you might have to face.

Exclusions in The Policy

If you miss a flight or train due to civil war or some local protests.

Any type of expenses which occur due to local protests or civil war.

Hospitalisation due to pre existing conditions.

Delay of baggage which is less than twenty-four hours.

Loss or damage of keys.

The exclusions differ in every plan. So before buying a policy online you should check and compare the plans. This will help you to suit the plan which fits your needs.

Benefits of Travel Insurance

Travel insurance is beneficial as it protects you from unforeseen problems that may occur during a trip. A trip creates memories which will make you smile throughout the life. It provides you a break from your busy and hectic schedules. But the fact is that travelling has its own risks that can emerge because of unforeseen situations. We love to travel, but we never think about the risks that it may cause.

With a travel insurance plan you can make your trip risk free. A good travel insurance plan protects you from the unwanted situations during the journey. It provides financial coverage in case of delayed flights that can cause financial loss, theft or loss of baggage, loss of necessary documents such as passport, medical emergency and much more. The best thing about travel insurance is that we can easily deal with the unexpected situations.

What Policyx.Com Offers You?

Policyx offers you a host of companies to choose your travel plan from. It guarantees that you get the lowest premium rates from among the list of top travel insurance companies. It also ensures that you get the kind of features and coverage that you are looking for from a plan.

What’s more, we have a dedicated customer care centre that caters to your queries and makes sure that your queries don’t go unanswered.

And buying with us is all so simple. Just visit the travel insurance section, fill some basic details in the form provided and voila, you get the plans and their premiums in front of you in a matter of seconds. You can further check the details through our innovative and helpful cash flow charts and info graphics that we have specially created for your convenience.

FAQ - Travel Insurance

1. How do I extend my Policy?

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

2. For how many days can the Policy be extended?

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

3. What if I forget to carry my travel insurance?

In case you miss them, you should at least have important details like policy numbers, customer ID to avail the benefits

4. Is student travel insurance compulsory?

It is not mandatory. However, in certain countries, it is a necessary document required at the time of admission. Otherwise too, it is advised to have one.

5. Are Ambulance charges covered in the travel insurance?

Yes, under most travel insurance, ambulance charges (to and fro) are covered.

6. Why there is a need to buy travel insurance?

Travel insurance is a security which provides protection 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 a transit.

7. Can a travel insurance policy be cancelled?

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. For proof, 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.

8. What is single and multi trip insurance?

- Single and multi trip- This depends on the frequency of your trips.

- Single trip- It is valid for a single trip and for the fixed number of days.

- Multi trip- This is a policy meant for people who go for trips quite often. Either for personal or business reason they might have to go again and again. So taking a multi trip policy is a good option as you do not need to visit the insurance provider every time and your maximum number of visits are covered in it.

9. How long does the insurance cover start?

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 thirty to sixty days.

10. For the people above 70 is there any insurance policy?

Yes for the medical coverage of senior citizens there are companies which offer the policy. For the one who is above 70 and less than 85, the policy can be taken.

11. What are the documents required for taking a claim?

For taking a claim, all details regarding the problem you have gone through should be mentioned. In the case of medical issue, 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. Even the clear name of the patient should be there. Other than this the company can ask you details which you need to provide.

12. How to get the cashless facility?

When the 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 treatments. Every insurance company has its authorised agency working in a foreign country who settles all the overseas claims. Usually, the cashless treatments are for the inpatient treatment and nor for the outpatient ones.

13. Can I buy travel insurance from overseas for the people who stay in India and are travelling abroad?

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

14. Who can get travel insurance?

Any individual who is more than three years and less than eighty years can take a policy. However, it may vary for different companies. For taking the policy the condition is that the trip should commence from India.

15. What is the minimum period for a domestic trip to be insured?

Usually, the policies offer coverage from the minimum of one to four day. It depends on the insurance company actually.

16. Is medical test required for taking the policy?

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

17. Can foreign nationals be covered under travel insurance?

Foreign nationals working in India with Indian employers of multinational companies and getting the salary in Indian currency can be covered.

18. What is trip cancellation travel insurance?

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 natural disaster, injury, illness etc.

19. Will the claim be settled once the person is back to India?

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

20. What are the benefits available under the hijack distress allowance?

If the carrier through which the insured is travelling is hijacked then the insurance company will pay compensation to the family of the insured for the fixed number of days.

21. Is loss of passport covered?

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

Customer Reviews

Write A Review

- Reviewed On 13-03-2018

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

Shruti desai, Gurgaon
- Reviewed On 07-01-2018
"Plans with additional benefits"

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

Kaustabh rana, Delhi
- Reviewed On 01-01-2018
"Good Plan"

My job requires me travel quite often. I have bought a cover which covers all my needs

Nishant Rana, Mumbai
- Reviewed On 01-01-2018
"travel insurance policy bought"

Tahnk you for the travel insurance at the last minute

Raisa ghosh, Pune
- Reviewed On 01-01-2018
"Travel insurance for elderly"

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

Nidhi yadav, Vijayawada
- Reviewed On 03-01-2018
"Amazing portal. Good job!"

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.

Nachiket pardeshi, Ranchi
- Reviewed On 06-01-2018
"Travel Insurance"

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

siddhesh , Belgaum
- Reviewed On 06-01-2018
"Travel options are good"

They provide good travel insurance plan options from leading insurance companies in India

kanksha arora, Goa
- Reviewed On 06-01-2018
"Thank you"

PolicyX helped me choose the most appropriate travel plan

leena mehta, Amritsar
- Reviewed On 08-01-2018
"Great coverage"

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

Niharika Singh, Gurgaon
- Reviewed On 07-01-2018
"Travel insurance is important"

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

Digambar R Ghongte, Pune
- Reviewed On 07-10-2017
"Digambar R Ghongte, Pune"

Nice information about 1cr policy


Aggregate Rating for Travel Insurance   [ 29  ]