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"Best 10 International Travel Insurance Policies in India to Keep You Protected on Your Next Trip"

Updated: 2 days ago




I travel a lot for work and leisure, and my friends and clients always ask me if travel insurance is really needed, how many times have I used it, and some of the best international travel insurance policies to choose from. My answer is pretty straightforward - getting travel insurance is important and won't break the bank. Its costs are less than the cost of a single meal per person in the US or Europe (around $15 to $20) from Rs 1200 to Rs 1600 and for this small price can cover you for up to $100,000 in medical emergencies. That's a small price to pay for peace of mind! Secondly forget about asking how many times has anyone used insurance, emergencies do not come with announcements, hope you never have to use it but if needed travel insurance will become your savior.

Now that you are convinced, let’s look at the best international travel insurance policies available in India that you could consider.


These are some of the key features that the Best 10 International Travel Insurance Policies in India to Keep You Protected on Your Next Trip


Coverage for medical emergencies: Make sure your policy covers medical emergencies, including hospitalization and medical evacuation. Look for policies with high coverage limits to ensure you have enough protection in case of a major emergency.


Trip cancellation and interruption coverage: Covid has been the biggest example of travel disruptions, and this coverage can reimburse you for non-refundable expenses if you need to cancel or interrupt your trip due to unforeseen circumstances, such as illness or a natural disaster.


Personal liability coverage: This coverage can protect you in case you accidentally cause damage to someone else's property or injure someone while traveling.

Lost or stolen luggage coverage: This coverage can reimburse you for lost or stolen luggage or personal items.


24/7 assistance: Look for providers that offer 24/7 assistance, including emergency medical assistance, travel assistance, and concierge services.


Affordable premiums: While you want to make sure you have adequate coverage, it's also important to find a policy with affordable premiums that fit your budget.


Fraudulent charges on credit cards: There are always chances that credit card data given in some locations can be misused or cards could be cloned. Protection against fraudulent charges is a handy feature to have


Coverage for adventure sports: Sky diving, and scuba are now on the to-do list for most people. By name, these are adventurous sports and come with some risks attached. Again having coverage for adventure sports will be a nice to have feature. Do note most of the companies either do not offer this feature or offer it in a very limited manner. Do read the terms and conditions very clearly


Clear Description Of Deductibles: We had seen a couple of policies offering aggressive pricing over their competitors however, it was a struggle to find information on deductibles as nothing was clearly mentioned during the online buying process or getting information downloaded through the brochure. This is a red flag and we eliminated those companies from our preferred list of best international travel insurance policies available in India that you could consider.



These are the best international travel insurance policies available in India that you could consider.

(*For the case of some uniformity and ease of comparison, we have looked to cover one individual age 35, traveling to Europe for a duration of 10 days)



1.Bajaj Allianz:

The policy's duration depends on whether you are taking single-trip insurance or multi-trip insurance, as well as the room for extensions. The Travel Aceplan is designed to help you make your trip more fulfilling by including your family members. You can add members to the Travel Ace plan and get up to a 10% discount on the premium as far as the traveling tenure and the insurance variant chosen by them is identical to yours. The policy is open to unlimited extensions as far as the net duration for the policy is less than or equal to 360 days.




Benefits

Coverage Amount

Policy Coverage

$1,00,000

International Personal Accident Cover

$12000

Accidental, Death, and Disability cover

Up to $6,000

Personal Accident Cover in India

Up to ₹ 200,000.

Sickness Medical Exigencies

up to 100,000 (USD 100 Deductible)

Accidental Medical Exigencies

100,000 (USD 100 Deductible).

Emergency Dental Care

(USD) 500 (USD 25 Deductible)

Daily allowance during hospitalization:

(USD) 50/day for up to 7 days.

Trip & Event Cancellation coverage

up to (USD) 1500.

Trip Interruption coverage

up to (USD) 750.

Loss of Checked-In Baggage:

₹ 500

Delay of checked-in baggage

USD) 100/10 hrs in a foreign location and ₹ 1000/10 hrs in India.

Personal Liability

up to 100,000.

Coverage for loss of passport and driving license

up to 300.

Hijack Cover

up to 3,000.

Home Burglary & Robbery Insurance

Up to ₹ 150,000 each for portable equipment other than laptop and other equipment and up to ₹ 100,000 for laptop.

Trip Delay Delight

up to (USD) 100/6 hrs.

Emergency Cash Assistance Service

up to (USD) 1000.

Missed Connection coverage

up to (USD) 300.

Bounced hotel coverage

up to (USD) 400

Trip Extension coverage

up to (USD) 750

*Price

INR 1019

What We Like:

  • Bajaj Allianz has multiple options ranging from $50,000 to $5,00,000

  • One of the few policies to have coverage for pre-existing ailments

  • There are minimum deductibles. Dental deductible is one of the lowest

  • Emergency cash assistance of $1000

  • Crisp brochure covering all aspects

What Can Improve:

  • Inclusion of fraudulent charges on card and Adventure sports cover

  • Compassionate Visit Cover

Bajaj Allianz offers great value for money and is highly recommended in the list of Best 10 International Travel Insurance Policies in India to Keep You Protected on Your Next Trip.


2. TATA AIG:

The minimum entry age under this policy for Single Trip Policy is 6 months and up to life. Annual Multi Trip Policy - 19 years to 70 years b) This policy has 2 Options – With Sublimits & Without Sub Limits with various plans. Options are available for selection under Single Trip Policy and Annual Multi Trip Policy. Details of the options are as mentioned below- • Single Trip Policy- Silver, Silver Plus , Gold, Platinum and Senior Plan • Annual Multi Trip- Gold and Platinum with any Single Trip not exceeding 30/45 Days. Coverages are pre-defined as per the Plans. c) The family includes self, spouse, dependent children and his / her dependent parents. d) Dependent child(ren) are covered between the age group of 6 months and 23 years if they are unmarried and permanently reside with the insured. e) The policy offers coverage on an Individual basis



Benefits

Coverage Amount

Policy Coverage

$1,00,000

Accident & sickness Medical expenses reimbursement

$100000 (Deductible $100)

Accidental death and dismemberment (Common Carrier )

Sum Insured : $5000

Accidental death and dismemberment (24 hrs)

Sum Insured : $10000

Sickness dental relief

Sum Insured : $400 (Deductible $150)

Trip Cancellation

Sum Insured : $500 (Deductible $50)

Emergency advance cash

Sum Insured : $750

Flight Delay

Sum Insured : Deductible of 12 hrs. $10 per 12 hours & Max $100

Loss of passport

Sum Insured : $250 (Ded $30)

Hijack benefit

Sum Insured : Deductible of 1 day, $100 per day & Max $500

Missed connection/departure

Sum Insured : $500 (Deductible $50)

Personal liability

Sum Insured : $150000 (Deductible $200)

Fraudulent charges

Sum Insured : $500

Bounced booking of hotel and airline

Sum Insured : $500 (Deductible $50)

Trip curtailment

Sum Insured : $500 (Deductible $50)

Baggage Loss

Sum Insured : $750

Baggage Delay

Sum Insured : $100

Burglary

Sum Insured: Rs.100000

*Price

INR 1058

What We Like:

  • Fraudulent charges cover

  • Has coverage from $50,000 to $5,00,000

What Can Improve:

  • Adventure sports cover

  • Deductibles need to be reduced

  • Compassionate Visit Cover

Tata Aig has comprehensive benefits and features and is highly recommended in the list of best 10 International Travel Insurance Policies in India to Keep You Protected on Your Next Trip


3. ICICI Lombard Travel Insurance:

• Comprehensive plans with extensive coverages • Coverage available up to 360 days( Original policy for 180 days and extension for additional 180 days) • No medical test required upto 85 years of age • Value-added services for dependents in India • Pay per day: Slab rate for first 7 days only, then pay per day basis


Policy Coverage

$1,00,000

Medical Cover

$1,00,000

Repatriation of Remains

USD 7,500

Daily Allowance In Case of hospitalisation (franchise of 2 days)

USD 50 per day (Max. 5 days)

Dental Treatment

USD 300. Deductible USD 100

Total Loss of Checked-in Baggage

USD 500

Delay of Checked-in Baggage

USD 100 (after 6 hours)

Loss of Passport

USD 300. Deductible USD 100

Personal Liability

USD 100,000. Deductible 5% of Actuals

Personal Accident

USD 15,000

Hijack Distress Allowance

USD 125 per day (Max. 7 days). Post 12 hrs

Emergency Cash Advance

USD 1,000

Trip Cancellation & Interruption

USD 500

Missed Flight Connection

USD 500. After 3 hrs

Trip Delay

USD 500. After 6 hrs

Accidental Death (Common Carrier)

USD 5,000

Burglary Cover for Home Contents

INR 1,00,000

Bounced Booking – Hotel / Airline

USD 2,000. Deductible USD 250

Compassionate Visit

​USD 7,500

Emergency Hotel Extension

USD 5,000. Deductible USD 250

Loss of Baggage and Personal Effect

USD 2,000. Deductible USD 100

*Price

INR 1351

What We Like:

  • Compassionate visit Coverage

  • Tie up with UHI which has an extensive network

What Can Improve:

  • Adventure sports cover

  • Deductibles need to be reduced. Dental treatment has nearly 33% of the coverage amount in deductible

  • Cover for Pre Existing Ailments

"Best Travel Insurance Policies in India to Keep You Protected on Your Next Trip"
"Best Travel Insurance Policies in India to Keep You Protected on Your Next Trip"

4. HDFC Ergo Travel Insurance: The company has plans ranging from $50,000 to $5,00,000. Coverage is available for up to 365 days along with a frequent flyer option of 45 days. It offers 24/7 customer care support and it does not require any pre-medicals for policy issuance




Policy Cover

$1,00,000

Hospitalization Expenses

$1,00,000

Daily Allowance

$15 per day/Max up to $150

Dental Treatment

$500 Deductible: $150

Accidental Death - Common Carrier

$5,000

Permanent Disablement - Common Carrier

$5,000

Accidental Death

$15,000

Loss of Baggage & Personal Documents

$250. Deductible: $30

Loss of Checked Baggage

$1,000

Delay of Checked Baggage

$10 per 8 Hour, Max up to $200

Deductible: Benefit will start if the delay for checked baggage is more than 12 Hour

Personal Liability

$100,000. Deductible: $200

Financial Emergency Assistance

$700

Hijack Distress Allowance

$75 per Day, Max up to $525

Deductible: Benefit will Start after a waiting period of 1 Day

Flight Delay

$10 per Hour, Max up to $120

Deductible: Benefit will start if the flight is delayed for more than 6 Hours

Hotel Accommodation

$3,000

*Price

INR 783

What We Like:

  • One of the lowest Price Points

  • 24/7 Customer support

  • Financial emergency assistance with zero deductible

What Can Improve:

  • Not as feature-rich

  • No dental cover

  • No cover for pre-existing ailments



5. Future Generali: Age eligibility of the plans is from 6 months to 70 years. The company offers a Universal International free Phone number for assistance. Plans range from 50,000 Euros to 2,00,000 Euros and come with or without deductibles. Schengen plan is specially designed for people traveling to Europe on a Schengen visa for business or leisure.









Policy Cover

€200,000

Medical Expenses and Evacuation

€200,000

Personal Accident

€10,000

Daily Hospital Allowances

€25 per day (Max 5 days)

Emergency Sickness Dental Relief

€200. €100 Deductible

Trip Delay

€20 per 12 hours (Max 120 hours)

Trip Cancellation

€300. €100 Deductible

Trip Curtailment

€250. €100 Deductible

Missed Connection

€350. €50 Deductible

Loss of Passport

€300. €25 Deductible

Hijack Benefit

€100 per day (max for 7 days)

Checked in Baggage Delay

€100 per day (post 12 hours)

Checked in Baggage Loss***

€500. €25 Deductible

Compassionate visit

Up to a max of €50

Financial Emergency Assistance

€500

Accidental Death & Permanent Total Disablement

€10,000

Accidental Death – Common Carrier

€3,000

Personal Liability

€1,00,000. Deductible 0.1% of SI

Burglary (Home Contents)

INR 1,50,000

*Price

INR 1945

What We Like:

  • There is medical advice offered on the Phone along with a Universal International free Phone number for assistance.

  • Option To Dispatch medicine not available locally

  • Financial emergency assistance with zero deductible

What Can Improve:

  • Deductibles are expensive

  • The compassionate visit amount is very low

  • No cover for pre-existing ailments


6. Reliance:


Reliance travel insurance offers cashless hospitalization worldwide.

Age eligibility of the plans is from 6 months to 70 years and plans range from $50000 to $500000. Insurance is issued instantly with no medical check-up. Their tagline is "Beach Or Hill Rock Or Pebble, You Choose The Travel, We Cover The Trouble"


Policy Cover

$100000

Medical Expenses

$100000

Personal Accident*

$20000

Dental Treatment

$500 with $50 Deductible

Hospitalization Daily Allowance

$25 for Max of 6 days. Post 12hrs

Loss of Checked Baggage

$1000

Accidental Death & Disability - common carrier

$2500

Loss of Passport

$300 with $25 Deductible

Hijack Cover

$50 per day Max of $350

Trip Delay

$25 for max of 6 days. Post 12 hrs

Trip Cancellation

$600

Delay of Checked Baggage

$100 after 12 hrs

Emergency Cash Benefit

$500

Missed Connection

$300

Legal Liability

$300000

*Price

INR 920

What We Like:

  • Wide Range of coverage

  • Low Deductibles

  • Financial emergency assistance with zero deductible

What Can Improve:

  • No Cover For Pre Existing Ailments

  • No compassionate visit

  • No cover for Adventure Sports

7. Digit:


Go Digit offers cashless hospitalization in 150+ countries across the world. They have a 24/7 missed call facility for claim settlement. The have options of basic and comfort plans with coverage up to $100000


Emergency Accidental Treatment and Evacuation

$100,000

Accidental Death and Disability (Common Carrier)

$7,500

Daily Cash Allowance

$50

Missed Connection

$750

Common Carrier Delay

$50

Missed Connection

$750

Emergency Dental Treatment

$250

Total loss of Checked-in Baggage

$500

Delay of Checked-in Baggage

$100

Personal Accident

$15,000

Loss of Passport

$250

Emergency Trip Extension

$750

Trip Abandonment

$750

Financial Emergency Cash

$100

Personal Liability & Bail Bond

$30,000

*Price

INR 732

What We Like:

  • Price Point

  • Low Deductibles


What Can Improve:

  • Clear Description of Deductible or Limits

  • No compassionate visit

  • No cover for pre-existing ailments

8.Niva Bupa:



Niva Bupa offers cashless hospitalization across the world. They have policies covering Adults up to age 70. They have a unique feature where Up to 100% coverage of pre-existing diseases under the emergency in-patient medical cover for students traveling abroad for education on a student visa. The policy coverage ranges from $50000 to $500000


Policy Cover

$100000

Medical Expenses

$100000

Personal Accident

$15000

Dental Treatment

$300 with $100 Deductible

Personal Accident

$15000

Medical Evacuation

$50000

Repatriation of Mortal Remains

$50000

$50000

$25000 Deductible $100

*Price

INR 697

What We Like:

  • Price Point

  • No Frills (Suits People who are looking for basic cover)


What Can Improve:

  • Dental cover is very low with a high deductible

  • No Lost Passport Cover

  • No Emergency Financial Assistance


9. Royal Sundaram:




Royal Sundaram has various travel insurance policies with coverage starting from 91 days for children with no age limit for Senior citizens. The policy coverage ranges from $50000 to $1000000 which is one of this coverage available







Policy Cover

$100000

Medical Expenses

$100000

Dental Treatment

$400 Deductible: $150

Repatriation of Mortal Remains

$7,500

Common Carrier Accidental Death & Disability

$5,000

Accidental Death

$15,000

Trip Delay

($10 per 12 hours) Max of $100

Hijacking Benefits

($100 per day, 5 days max)

Baggage Loss

$1,000

Loss of Passport/Visa

$250Deductible: $30

Delay in Checked-in Baggage

$100Deductible: 12 hours

Personal Liability

$100,000 Deductible: $200

*Price

INR 570

What We Like:

  • Great Price Point

  • Trip Delay, Dental, and Hijacking Benefits are covered under the price point


What Can Improve:

  • Personal Accident

  • Medical Evacuation

  • No Coverage for legal expenses

The Royal Sundaram Plan offers a great price point and for someone looking at a no-frill policy this one is one to consider in the list of best 10 International Travel Insurance Policies in India to Keep You Protected on Your Next Trip


10. Care:



Care formerly known as Religare has various travel insurance policies for Europe ranging from 300000 Euros to 1000000 Euros. Their coverage for children starts from one day old and they cover both single and multi trips.

Note: All Care coverage mentioned below is in is in Euros










Policy Cover

100000

Personal Accident

10000

Dental

300

Repatriation Of Remains

30000

Loss of Checked Baggage

300

Hijack Cover

Euro 75 for max of 5 days

Trip Delay

Euro 20 for set of 4 hours, max of 120

Hospitalization Daily Allowance

Euro 25 per day, max 5 days

Trip Cancellation

750

Trip Curtailment

300

Delay of Checked Baggage

100

Total Loss Of Check In Baggage

300

Legal Liability

75000

*Price

INR 732

What We Like:

  • Decent price Point

  • Trip Delay, Dental, and Trip Cancellations are covered


What Can Improve:

  • No Clear wording on deductible during the purchase phase

  • Compassionate visit, Loss of Passport not covered

  • Other Providers have more benefits at this price point


If we had to pick a top three from the "Best 10 International Travel Insurance Policies in India to Keep You Protected on Your Next Trip" we would go with Tata and Bajaj from the plans which offer all the frills and we feel the Sundaram is a great one to consider from the list of policies which offer basic but essential features.

You never know what might happen when you're on the go, and travel insurance can help protect you from unexpected situations like medical emergencies (even dental issues!), trip cancellations or interruptions, accidents, lost or stolen luggage, and more. It's like a safety net that can help you avoid major financial losses while you're away from home. So, if you're planning a trip, consider investing in travel insurance. It's worth it!




Now that you have read our list of the "Best 10 International Travel Insurance Policies in India to Keep You Protected on Your Next Trip" Let us know if you have come across any other plans which you feel deserve to be on this list and don't forget to leave your comment and Like and Share this article if you found this useful and important to You or your family and friends!

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@stayinformedwithsanil | www.wiremeshin.com



Disclosure

It is important to note that the information gathered for this blog is on a best-effort basis and is accurate as of April 29th, 2023. Travelers are advised to check the latest information on the insurance company's website before purchasing a policy. Additionally, it is important to carefully read and understand the terms and conditions of the policy to ensure that it meets your specific needs and requirements and the country that you would be visiting

Images have been used from websites or brochures of Bajaj Allianz, Tata Aig, Icici Lombard, Hdfc Ergo, Future Generali, Reliance, Go Digit, Royal Sundaram, Niva Bupa and Care are for the representation purpose of the products or plans