Comprehensive Travel Insurance for Indian Travelers

Affordable and reliable travel insurance coverage

About Travel Insurance

Travel insurance is a specialized financial product designed to provide protection against a wide range of unforeseen events and disruptions that can occur before or during a trip. Its primary purpose is to minimize the financial risks and losses travelers might face due to unexpected circumstances such as medical emergencies, trip cancellations, lost luggage, travel delays, or accidents while traveling. For instance, if a traveler becomes seriously ill or injured while abroad, travel insurance can cover the cost of medical treatment, hospitalization, or even emergency evacuation, which can otherwise be extremely expensive without coverage. Similarly, if a trip is canceled or interrupted due to reasons like illness, natural disasters, or airline bankruptcy, the insurance can reimburse non-refundable expenses like flights, hotel bookings, and tour packages.

It may also cover expenses arising from lost or delayed baggage, missed connections, or theft of personal belongings. Some policies offer 24/7 emergency assistance, legal help, and even repatriation services in severe cases. While the specific benefits and terms vary depending on the provider and the policy selected, the overall goal of travel insurance is to ensure peace of mind by offering financial security and assistance when unexpected situations disrupt travel plans.

Travel insurance is a critical travel companion—not an optional luxury. From financial protection and emergency support to safeguarding pre-paid investments and offering legal safeguards, the right policy can turn crises into manageable situations. It’s about traveling wisely—well-informed, prepared, and worry-free.

Comprehensive travel insurance coverage and protection

Travel insurance policy benefits overview

Frequently Asked Questions

Got questions? We have expert answers to help you travel safely.

Emergency Medical Expenses: Inclusions: Covers the emergency treatment expenses incurred by an insured while on trip due to any illness/disease and whose treatment cannot be postponed until insured’s return to India.

Exclusions: Does not cover expenses incurred due to any pre-existing medical condition or mental disorders etc.
Life Threatening Medical Condition: Inclusions: Covers medical expenses arising from treatment that relates to the past medical condition, and which is life threatening where immediate emergency treatment must commence has to be provided by admitting insured in ICU or critical care units/wards.

Exclusions: Expenses incurred due to any pre-existing medical condition where treatment is provided under general care wards or mental disorders etc.
Adventure Sports: Inclusions: Covers expenses incurred towards treatment of any injury sustained due to any accident while indulging in any sport or adventurous sport activity.

Exclusions: Will not cover expenses incurred due to any illness or any pre-existing injury.
Emergency Medical Evacuation: Inclusions: Expenses relating to transportation of an insured from the place of incident to any nearby place or country for better treatment arising out of any covered illness or injury will be paid.

Exclusions: Any expense related to any pre-existing illness or injury will not be covered.
Repatriation Of Mortal Remains: Inclusions: Expenses related to the local cremation of mortal remains of the insured in the visiting country OR for bringing the mortal remains to India for cremation will be covered.
Dental Expenses: Inclusions: Will cover the cost of treatment of any sound natural tooth due to infection or extraction to relieve pain.

Exclusions: Will not cover the cost of treatment towards repair of dentures, fixing of crowns and bridges, cementing or filling.
Daily Allowance in Case of Hospitalization: Inclusions: Insured will be paid a lumpsum amount in case he is hospitalized for any covered treatment arising out of any illness or injury.

Exclusions: Will not pay in case of Outpatient Treatments.
Compassionate Visit: Inclusions: Covers the cost of travel to the destination country of the insured or for the insured to return to India in case of death or hospitalization of the insured / immediate family member for more than 7 days.

Exclusions: Will not pay for the expenses below deductible and if the insured / immediate family member is not hospitalized for less than 7 days.
Personal Accident / Personal Accident (Common Carrier): Inclusions: Insurer will pay the benefit amount shown in the policy in case an insured dies due to any visible violent external means.

Exclusions: Death due to natural reason is not covered.
Trip Delay & Flight Delay: Inclusions: Covers expenses incurred towards food and accommodation in case the flight is missed due to adverse weather or technical issues. The coverage will also indemnify expenses incurred in arranging alternate transportation due to delays solely by airlines, riots, strikes, etc.

Exclusions: Will not cover the cost of new air tickets or any delay involving a delay from the insured's end, or delays already foreseen at the time of booking.
Trip Cancellation / Trip Interruption: Inclusions: Covers the non-refundable expenses incurred by an insured due to cancellation / curtailment of trip. Covers the cost of rejoining the trip.

Exclusions: Does not cover the consequential losses due to trip cancellation / curtailment / interruption.
Missed Connection: Inclusions: Will pay for the cost of new tickets or the difference of cost between the old and new tickets in case the connecting flight is missed due to the incoming prior flight.

Exclusions: Any delay on part of the insured. Any compensation paid by the airline.
Over Booked Common Carrier & Bounced Hotel Booking: Inclusions: Will cover the cost of a new ticket or upgrading to a better room in case of over booking of the airline or hotel.

Exclusions: Will not pay if the insured fails to reach the hotel or airline check-in on time as stipulated.
Loss / Delay Of Checked-in Baggage: Inclusions: Covers the expenses incurred in purchasing emergency items in lieu of delay of baggage out of the Republic of India.

Exclusions: Inbound delay of baggage is not covered.
Hijack Distress Allowance: Inclusions: Will pay a lumpsum amount if the insured’s flight is hijacked.
Loss of Passport / International Driving Licence: Inclusions: Covers the cost incurred in the issuance of a new passport or driving license in case of loss while on a trip.

Exclusions: Does not cover any consequential loss, loss of visa, or if the loss of license is not intimated to police within 24 hours or if it was left unattended.
Other Coverage Benefits: Other coverage benefits include Overseas Travel Service Supplier Insolvency, Political Risk & Catastrophe Evacuation, Personal Liability, Home Burglary, Loss of Gadgets, Car Rental Excess Insurance, Card Fraud, Mugging Benefit, Travel Inconvenience, Legal Expenses, Bail Bond, Financial Emergency Assistance, Golf Equipment Cover, Pet Care, and Cruise Cover. Please refer to your policy document for specific inclusions and exclusions for each.