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Travel Insurance India
International & Domestic Cover

India’s most comprehensive travel insurance — international travel insurance for USA, Europe, Australia, and worldwide destinations. Trip cancellation insurance, medical travel insurance, emergency evacuation, lost baggage, adventure sports, and family vacation insurance. Buy travel insurance online instantly with TropoGo.

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What is Travel Insurance?

Travel insurance is a financial safety net that protects you against unexpected costs and losses before and during a trip — covering medical emergencies abroad, trip cancellation, flight delays, lost or stolen baggage, passport loss, emergency evacuation, and personal accident. A comprehensive travel insurance plan from TropoGo bundles all these protections into a single affordable premium — giving you the confidence to travel anywhere in the world without financial anxiety. Whether you need international travel insurance for a holiday in Europe, a business trip to the USA, a backpacking adventure in Southeast Asia, or domestic travel insurance within India, TropoGo has the right plan.

What does travel insurance cover? At its core: overseas medical treatment (the single most important benefit — a hospitalisation in the USA can cost ₹15–50 lakh), emergency medical evacuation back to India, trip cancellation reimbursement, baggage loss or delay, flight cancellation compensation, and 24×7 emergency assistance helpline. TropoGo helps you do a travel insurance comparison across all major travel insurance plans India — from cheap travel insurance for short trips to premium global travel health insurance for frequent travellers — and buy travel insurance online with instant policy issuance.

Is travel insurance worth it?

Absolutely — and here is the arithmetic: a 10-day trip to Europe costs ₹1.5–3 lakh. Travel insurance for the same trip costs ₹800–₹2,500. A single hospitalisation in Germany can cost €5,000–€20,000 (₹4–18 lakh). Trip cancellation reimbursement for a non-refundable Europe package can be ₹80,000–₹2 lakh. Affordable travel insurance is one of the smartest financial decisions you can make before any international trip — and many countries including all Schengen nations make it mandatory for visa issuance.

Types of Travel Insurance Plans in India

Understanding the types of travel insurance helps you choose the right plan for your trip type, destination, and traveller profile. Here is a complete guide to travel insurance plans India:

🌍 International Travel Insurance

International travel insurance is the most important travel insurance type — covering overseas medical treatment, emergency evacuation, trip cancellation, baggage loss, and passport assistance for travel outside India. Essential for all international trips. Many destinations mandate it for visa issuance — all Schengen countries (Europe) require minimum €30,000 medical cover. Available as single trip, multi-trip, and annual policies.

🗓️ Annual Multi-Trip Insurance

Annual travel insurance (multi-trip policy) covers unlimited trips in a 12-month period up to a specified maximum trip duration (usually 30–90 days per trip). Ideal for frequent flyers and business travellers who travel 3+ times per year. More economical than buying separate single trip travel insurance policies for each journey — a single annual premium covers all trips in the year.

👨‍👩‍👧 Family Vacation Insurance

Travel insurance for family and family vacation insurance covers the entire family — typically 2 adults and up to 4 children under 21 — under one policy at a discounted family premium. Children below 5 are often covered free with a parent. Family floater travel policies simplify premium payment and ensure all family members have consistent coverage during group trips.

👴 Travel Insurance for Seniors

Travel insurance for seniors (typically 60–85 years) provides enhanced medical cover — higher sum insured (USD 100,000–500,000), cover for pre-existing conditions after a stability period, cardiac and orthopaedic emergency cover, and repatriation of mortal remains. Premiums are higher given elevated medical risk. Senior citizen travel insurance is available for most destinations but may exclude some high-risk countries and adventure activities.

🏔️ Travel Insurance for Adventure Sports

Travel insurance for adventure sports covers high-risk activities — skiing, scuba diving, trekking above 3,500m, mountaineering, bungee jumping, white-water rafting, and paragliding — that are typically excluded from standard travel insurance. An adventure sports add-on or specialist policy extends medical cover for injuries sustained during these activities. Critical for trekkers in Nepal, skiers in Europe, and divers in Southeast Asia.

💼 Travel Insurance for Business Trips

Travel insurance for business trips prioritises trip cancellation (for last-minute meeting changes), business equipment cover (laptop, camera, samples), emergency return cover, and executive medical assistance. Group travel insurance for corporate travel programmes covers all employees travelling on company business under a single corporate policy — more economical than individual policies and easier to manage.

🎒 Travel Insurance for Backpacking

Travel insurance for backpacking covers extended low-budget trips — typically 30–365 days — across multiple countries. Provides flexible coverage duration, adventure sports add-ons, personal liability, and 24×7 emergency support for solo travellers. Ideal for gap year travellers, digital nomads, and long-term explorers traversing Southeast Asia, South America, or Africa.

🏥 Travel Insurance for Medical Conditions

Travel insurance for medical conditions — also called health insurance for travelers with pre-existing conditions — covers declared pre-existing diseases (diabetes, hypertension, heart disease, asthma) after a stability period or with enhanced premium loading. Critical for any traveller with a chronic condition. Always declare pre-existing conditions at policy inception — non-disclosure is the most common reason for overseas medical claim rejection.

What Does Travel Insurance Cover?

A comprehensive travel insurance plan provides end-to-end protection for every phase of your journey — before departure, in-flight, and throughout your stay. Here is a complete breakdown:

🏥 Medical Emergency Cover

Medical travel insurance — the most critical benefit — covers hospitalisation, surgery, doctor consultations, medicines, and ambulance costs abroad. Sum insured typically USD 50,000–500,000 depending on destination. A 3-day hospitalisation in the USA can cost USD 30,000–80,000; in Europe, €5,000–20,000. Without travel insurance, this can be financially catastrophic. Covers cashless treatment at network hospitals in 190+ countries.

🚁 Emergency Medical Evacuation

Emergency evacuation insurance covers air ambulance evacuation to the nearest adequate medical facility or repatriation to India when locally available medical care is insufficient. Medical evacuation can cost USD 50,000–150,000 — more than most travellers’ savings. Repatriation of mortal remains is included in case of death abroad. 24×7 emergency assistance coordinates all logistics.

✈️ Trip Cancellation Insurance

Trip cancellation insurance reimburses non-refundable prepaid travel expenses — flights, hotels, tour packages, visa fees — if you must cancel your trip before departure due to covered reasons: sudden illness or injury, death of a close relative, natural disaster at destination, or sudden job loss. Reimbursement up to the trip cost (typically ₹50,000–₹5 lakh) depending on the policy.

🧳 Lost Baggage Insurance

Lost baggage insurance covers the cost of replacing essential items if your checked baggage is permanently lost by the airline. Baggage delay cover reimburses emergency purchases (clothing, toiletries) if your bags are delayed beyond 6–12 hours. Separate cover for high-value items (camera equipment, laptops, jewellery) may require specific declaration. Over 26 million bags are mishandled globally each year.

🛫 Flight Cancellation & Delay

Travel insurance for flights covers additional hotel, meals, and transportation costs if your flight is cancelled or delayed beyond the policy waiting period (typically 6–12 hours). Also covers missed connections due to airline delay, compensation for tarmac delays, and rebooking costs when airlines are unable to arrange alternative flights promptly.

🪪 Passport & Document Loss

Emergency expenses incurred in obtaining replacement travel documents — emergency passport issuance, visa re-stamping, and accommodation costs during the replacement process — are covered. Passport loss abroad can cost ₹5,000–₹25,000 in emergency fees and accommodation, and can strand travellers for 48–96 hours.

✋ Personal Accident & Liability

Personal accident cover pays a lump sum for accidental death or permanent disability during the trip. Personal liability cover protects you against claims from third parties for accidental bodily injury or property damage caused by you during travel — for example, causing a traffic accident in a rental car or accidentally damaging hotel property.

✈️ Hijack Distress Allowance

A daily distress allowance (typically USD 100–500 per day, up to 7 days) is paid if the flight you are on is hijacked. Though rare, aircraft hijacking and hostage situations create prolonged distress and financial costs not covered by airlines. Available in most comprehensive international travel insurance plans.

Travel Insurance by Destination & Premium Guide

Travel insurance premiums and coverage requirements vary significantly by destination. Here is a guide to the most important travel corridors for Indian travellers — and what you need to know before you depart:

Destination	Key Requirements	Indicative Premium (10 days, age 30)
Travel insurance for Europe (Schengen)	Minimum €30,000 medical cover mandatory for Schengen visa. Must cover entire Schengen area.	₹600–₹1,500 (basic); ₹1,200–₹2,500 (comprehensive)
Travel insurance for USA & Canada	No visa mandate but highest medical risk — hospitalisation costs USD 5,000–50,000/day. USD 500,000 cover recommended.	₹1,800–₹4,000 (basic); ₹3,500–₹7,000 (comprehensive)
Travel insurance for Australia	Recommended AUD 500,000 cover. Includes New Zealand in most plans. Adventure activities need add-on.	₹1,200–₹2,800 (basic); ₹2,500–₹5,000 (comprehensive)
Southeast Asia (Thailand, Bali, Singapore)	Good medical infrastructure but dengue, tropical illness, and adventure sport risks are elevated.	₹400–₹900 (basic); ₹800–₹1,800 (comprehensive)
Middle East & Gulf	Business travel, medical quality good but expensive for uninsured. Covers UAE, Saudi, Qatar, Kuwait.	₹500–₹1,200 (basic); ₹900–₹2,000 (comprehensive)
Nepal, Bhutan & Sri Lanka	Trekking and altitude sickness cover essential for Nepal. Mountain rescue included in adventure add-on.	₹300–₹700 (basic); ₹600–₹1,500 (with adventure)
Domestic India Travel	Short-term travel insurance covering medical, accident, and trip cancellation for India trips.	₹100–₹300 per trip (basic domestic cover)
Worldwide / Annual Multi-Trip	Covers all international destinations. Annual travel insurance for 3+ trips per year most economical.	₹5,000–₹15,000/year (individual annual policy)

Schengen Visa Travel Insurance — What You Must Know

All Indian travellers applying for a Schengen visa (covering 27 European countries) must submit proof of travel insurance with minimum €30,000 medical cover, valid for the entire Schengen area and trip duration. The policy must cover emergency medical expenses, hospitalisation, and repatriation. TropoGo issues Schengen-compliant travel insurance for Europe instantly — accepted by all European consulates and visa application centres in India.

Special Categories — Seniors, Adventure, Students & More

Not all travellers have the same insurance needs. Here is how to choose travel insurance for specific traveller types and situations:

👴 Senior Citizen Travel Insurance

Travel insurance for seniors (60+ years) should prioritise: high medical sum insured (USD 200,000+), pre-existing condition cover, cardiac and stroke emergency treatment, slow evacuation options (medical escort rather than air ambulance where medically appropriate), and repatriation. Insurers like Bajaj Allianz, HDFC ERGO, and Tata AIG offer specific senior travel plans. Compare policies carefully on the pre-existing disease clause — the stability period (disease must be stable for 3–12 months before travel) varies significantly.

👨‍👩‍👧 Family Travel Insurance

Travel insurance for family on a vacation covers 2 adults + children under a single premium. Key features: per-person medical sum insured (not shared), child accident cover, emergency reunion cover (flying a parent to join a child hospitalised abroad), and compassionate visit cover. Family vacation insurance for a standard Europe trip (4 persons, 10 days) costs ₹3,000–₹6,000 — a fraction of the protection it provides.

🎓 Student Travel Insurance

Student travel insurance covers Indian students studying abroad for the entire academic year. Includes medical cover, mental health treatment, study interruption (if illness forces return to India), sponsor protection (if the fee-paying parent dies, tuition is covered), and personal liability. Available for all major study destinations — USA, UK, Australia, Canada, Germany.

🧗 Adventure Sports Add-On

Travel insurance for adventure sports extends standard travel insurance to cover search and rescue, mountain rescue, and medical treatment for injuries from skiing, scuba diving, trekking above base camp altitude, bungee jumping, paragliding, and other extreme activities. Standard policies explicitly exclude these activities — always check your policy schedule and add the adventure sports rider when booking activity-heavy trips.

💊 Pre-Existing Medical Conditions

Travel insurance for medical conditions covers declared pre-existing illnesses — diabetes, hypertension, asthma, heart disease, thyroid disorders — when the condition has been stable for the insurer’s required stability period (typically 3–12 months). Premium loading applies. Always declare all conditions honestly — non-disclosure is the most cited reason for denial of overseas medical claims.

🌐 Global Travel Health Insurance

Global travel health insurance and health insurance for travelers — distinct from short-trip travel insurance — provides year-round international health cover for frequent international travellers, expatriates, and global nomads. Products from Cigna Global, AXA, and Allianz Care provide continuous worldwide medical coverage as a standalone annual health policy — appropriate for those spending 180+ days per year outside India.

How to File a Travel Insurance Claim

How to file a travel insurance claim — step by step. The most important rule: contact your insurer’s 24×7 emergency helpline before seeking treatment abroad, whenever possible.

Call the 24×7 Emergency Helpline FirstBefore checking into a hospital abroad (except in genuine emergencies), call your insurer’s international emergency helpline. They will direct you to a cashless network hospital, authorise treatment, and coordinate with the local hospital — eliminating the need for you to pay upfront. Your policy document and health card carry this number. Save it in your phone before you travel.

Cashless Claim at Network HospitalIf directed to a network hospital, present your travel insurance card and policy number. The insurer authorises and pays the hospital directly up to the approved amount. You pay only for items outside the policy scope (cosmetics, personal preferences, non-medical charges). Cashless facilities are available at hospitals in 190+ countries through TPA networks.

Reimbursement Claim (Non-Network Hospital)If you pay at a non-network hospital, collect all original bills, prescriptions, investigation reports, and discharge summary. Submit the reimbursement claim within 30 days of return to India. Scan or photograph all documents before submitting originals. Reimbursement is processed in Indian Rupees at the prevailing exchange rate.

Document Everything — All Claim TypesFor baggage loss: get a Property Irregularity Report (PIR) from the airline. For trip cancellation: get written cancellation confirmation from airlines and hotels. For flight delay: get written delay confirmation from the airline. For passport loss: get a police report. Each claim type has specific documentation requirements — TropoGo’s claims team guides you through the process.

Submit & TrackSubmit your claim online through TropoGo or the insurer’s app within 30 days of return. Attach scanned originals of all supporting documents. Track claim status online. Medical reimbursement claims are typically settled within 15–21 days; travel inconvenience claims (baggage, delay) within 7–14 days of complete documentation.

Documents Required for Travel Insurance Claims

🏥 Medical Claim Documents

Completed claim form, original hospital bills and receipts, discharge summary with diagnosis, doctor prescriptions, diagnostic reports, passport copy with entry/exit stamps, and boarding passes. For reimbursement claims, all originals must be submitted — photocopies are not accepted by most insurers for overseas medical claims.

✈️ Trip Cancellation Documents

Original airline/hotel cancellation confirmation, non-refundable booking receipts, medical certificate (if cancelling due to illness), doctor’s certificate on official letterhead, death certificate (if cancelling due to bereavement), and completed claim form submitted within 30 days of the cancellation event.

🧳 Baggage Loss Documents

Property Irregularity Report (PIR) from the airline (mandatory — must be collected at the destination airport before leaving), original baggage receipts and tags, boarding passes, list of lost items with estimated values, and police report if baggage was stolen rather than lost by the airline.

🛫 Flight Delay Documents

Written confirmation of delay from the airline specifying duration and reason, original receipts for meals, accommodation, and transportation incurred during the delay, boarding passes, and completed claim form. Delay must exceed the policy waiting period (typically 6–12 hours).

🪪 Passport Loss Documents

Police report (FIR from local police in the country of loss), embassy or consulate acknowledgement of passport loss report, original receipts for emergency accommodation and travel during the replacement process, and completed claim form.

🪪 KYC & Policy Documents

Copy of travel insurance policy, passport (first and last page), visa and entry/exit stamps confirming travel during the policy period, completed claim form, and bank account details for settlement. Claims are settled in INR to your Indian bank account.

How to Choose Travel Insurance & Key Exclusions

How to choose travel insurance — the checklist every Indian traveller needs before buying, followed by the exclusions that most commonly surprise claimants:

✅ Match Cover to Destination

USA and Canada trips need the highest medical cover (USD 500,000 minimum) — healthcare there is the most expensive in the world. Europe needs Schengen-compliant €30,000+ cover. Southeast Asia and Middle East need less but check for dengue, adventure sports, and road accident cover. Global travel health insurance for worldwide cover simplifies this decision.

✅ Check the Pre-Existing Disease Clause

This is the most important clause for travellers over 45. The stability period requirement (condition must be stable, not changed medication, not hospitalised) varies from 3–24 months. Choose a policy with the shortest stability period for your specific conditions. Always declare all pre-existing conditions on the proposal form — non-disclosure voids the policy completely.

✅ Single Trip vs Annual Multi-Trip

If you travel internationally 3+ times per year, annual travel insurance is more economical than separate single trip travel insurance policies. Annual policies also provide convenient continuous coverage without the risk of forgetting to buy insurance before each trip. Compare annual vs single trip cost on TropoGo’s travel insurance comparison tool.

✅ Travel Insurance with No Deductible

Travel insurance with no deductible means the insurer pays from the first rupee of medical expenses — no co-payment or excess required. Some cheaper plans have a deductible (you pay first USD 50–200 of every claim). For high-cost medical destinations, zero deductible plans are worth the modest premium difference, especially for senior travellers.

🚫 Pre-Existing Conditions (Undeclared)

Medical claims arising from undeclared pre-existing conditions are the single most common reason for overseas travel insurance claim rejection. If you have any health condition — even if well-controlled — declare it at policy inception. TropoGo helps you find plans that provide cover for your specific declared conditions without voidance risk.

🚫 Adventurous & Extreme Sports

Injuries from skiing, scuba diving, bungee jumping, paragliding, trekking above 3,500m, and motorbiking abroad are excluded from standard policies. Always buy the adventure sports add-on if you plan any such activities. Read the activity exclusion list carefully — some policies also exclude motorcycle riding, quad biking, and jet skiing as standard.

🚫 Known Travel Disruptions

Trip cancellation or delay claims for events that were known at the time of policy purchase are excluded. If you buy travel insurance after a hurricane warning has been issued for your destination, no hurricane-related cancellation claim will be accepted. Buy travel insurance as early as possible after booking your trip — before any disruptive events occur.

🚫 War, Sanctions & High-Risk Zones

Travel to countries under government-issued travel advisories (Do Not Travel), active war zones, or sanctioned territories is excluded from all standard travel insurance. Medical and evacuation claims in conflict zones require specialist war risk travel insurance — available for journalists, NGO workers, and security contractors through Lloyd’s syndicates.

Why Choose TropoGo for Travel Insurance?

We are India’s fastest-growing digital insurance intermediary — making it simple to do a travel insurance comparison, buy travel insurance online instantly, and get 24×7 emergency assistance worldwide.

Best Travel Insurance in India — Curated for You

TropoGo works with IRDAI-licensed travel insurers including Bajaj Allianz Travel Guard, HDFC ERGO Travel Insurance, Tata AIG Travel Guard, Reliance Travel Care, Care Travel, New India Assurance, and more — giving Indian travellers genuine choice and the best travel insurance plans India has to offer.

Compare Travel Insurance Plans Instantly

Get travel insurance quotes from multiple IRDAI-licensed insurers side by side. Compare medical sum insured, trip cancellation limits, baggage cover, deductibles, and pre-existing condition terms — all in one travel insurance comparison.

Dedicated Travel Insurance Advisors

Our team understands destination-specific medical risks, Schengen visa compliance, pre-existing disease clause nuances, adventure sports cover, and the difference between cheap travel insurance and genuinely comprehensive travel insurance — so you never have a nasty surprise at claim time.

End-to-End Claim Support

From lodging your claim to coordinating with surveyors and following up for settlement, we stand by you at every step.

Buy Travel Insurance Online — Instant & Hassle-Free

Enter your destination, travel dates, and traveller details. Compare plans, pay online, and receive your travel insurance policy instantly by email. Print your Schengen-compliant insurance certificate within minutes of purchase.

Travel with complete confidence — protect every trip with the best travel insurance from India’s leading insurers

Cheap travel insurance starts at just ₹300 for a 5-day trip. A single overseas hospitalisation without insurance can cost ₹15–50 lakh. Buy travel insurance online before your next trip — takes less than 3 minutes.

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Frequently Asked Questions

What does travel insurance cover?

What does travel insurance cover? A comprehensive travel insurance plan covers: overseas medical emergencies and hospitalisation (the most critical benefit), emergency medical evacuation and repatriation, trip cancellation reimbursement, flight delay and cancellation compensation, lost and delayed baggage, passport loss assistance, personal accident cover, personal liability, and 24×7 emergency helpline worldwide. Comprehensive plans also cover adventure sports (as an add-on), pre-existing conditions (if declared), and hijack distress allowance. The exact coverage varies by plan — always read the policy schedule carefully.

Is travel insurance worth it for international travel?

Is travel insurance worth it? For international travel, absolutely yes. The numbers make it clear: a 10-day Europe trip costs ₹1.5–3 lakh; travel insurance for the same trip costs ₹800–₹2,500. A single hospitalisation in Germany costs €5,000–20,000; in the USA, USD 30,000–80,000 for just a few days. Trip cancellation for a non-refundable package can mean losing ₹1–3 lakh. Affordable travel insurance at ₹800–₹2,500 protects against losses that are 100–1,000 times the premium. For all Schengen destinations, it is also mandatory for visa issuance.

How to choose travel insurance for my trip?

How to choose travel insurance: (1) Match the medical sum insured to your destination — USD 500,000 for USA/Canada, USD 100,000 minimum for Europe; (2) Check the pre-existing disease stability period if you have any health conditions; (3) Add adventure sports cover if you plan any activities; (4) Choose single trip vs annual based on travel frequency; (5) Verify Schengen visa compliance if travelling to Europe; (6) Compare deductibles — travel insurance with no deductible is worth the modest premium uplift. TropoGo’s travel insurance comparison tool makes this easy.

What is the best travel insurance for travel to the USA?

Travel insurance for USA requires the highest medical sum insured — minimum USD 250,000, ideally USD 500,000 — because the USA has the world’s most expensive healthcare. A 3-day ICU stay in the USA can cost USD 50,000–120,000. Look for: zero deductible or very low deductible plan, cashless hospitalisation network in the USA, pre-existing condition cover (critical for travellers 45+), emergency evacuation back to India, and 24×7 assistance helpline in English. Top picks: Bajaj Allianz Travel Guard, HDFC ERGO Travel Insurance, and Tata AIG Travel Guard for USA-bound Indian travellers.

Do I need travel insurance for a Schengen visa to Europe?

Yes — travel insurance for Europe (Schengen area) is mandatory for all Schengen visa applicants. The visa requirement is: minimum €30,000 medical and hospitalisation cover, valid for all Schengen member states, covering the entire trip duration, and including emergency repatriation. Non-compliance results in visa rejection. TropoGo issues Schengen-compliant travel insurance policies instantly — accepted by all European consulates in India. The policy certificate (not just the policy schedule) must be submitted with the visa application at VFS Global or the relevant consulate.

How do I file a travel insurance claim abroad?

How to file a travel insurance claim: (1) Call the 24×7 emergency helpline on your policy card before seeking treatment where possible; (2) For cashless hospitalisation, present your insurance card at a network hospital; (3) For reimbursement, collect all original bills, discharge summary, and prescriptions; (4) For baggage loss, get a Property Irregularity Report from the airline immediately at the destination airport; (5) Submit all claims within 30 days of returning to India; (6) Attach scanned originals of all supporting documents. TropoGo’s claims team assists you throughout the process — from emergency to final settlement.

What is annual multi-trip travel insurance and who should buy it?

Annual travel insurance covers unlimited international trips in a 12-month period up to a specified maximum trip duration per journey (typically 30–90 days). It is more economical than buying separate single trip travel insurance for each journey if you travel 3+ times per year. For a frequent flyer making 5 international trips per year: individual trip policies cost ₹800–₹2,500 each (₹4,000–₹12,500 total); an annual multi-trip policy costs ₹5,000–₹15,000 — with the added convenience of continuous year-round coverage without the risk of forgetting to buy insurance before each trip.

Can I get travel insurance for pre-existing medical conditions?

Yes — travel insurance for medical conditions is available for declared pre-existing diseases including diabetes, hypertension, asthma, coronary artery disease, and thyroid disorders. The condition must be stable for the insurer’s required stability period (typically 3–12 months before travel — no change in medication or hospitalisation during that period). A premium loading applies. Always declare all conditions honestly — non-disclosure is the primary reason for rejection of overseas medical claims. TropoGo helps you identify plans with the most favourable pre-existing condition terms for your specific health profile.

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