Travel insurance starting at just ₹306*
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0% GST on Premiums!*
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Medical Cover Up to $500,000
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Flight & Baggage Loss Covered*
Travel Insurance
Travelling to a new country is exciting, whether you're planning a European holiday, heading to the UAE for business or exploring Southeast Asia’s beaches. But even well-planned trips can face occasional hiccups. This is where travel insurance comes in. A travel insurance policy provides financial protection against various trip-related emergencies that may occur during your trip. These can be events like medical emergencies, delayed flights, lost baggage and trip cancellations.
For instance, in 2024, 1 in 4 travellers stated airlines had either lost, delayed or damaged their luggage and offered no compensation. That’s why having IndusInd travel insurance (formerly Reliance Travel Insurance) can be a game-changer. We help cover trip emergencies like luggage loss & delays, flight cancellations, medical emergencies and more, by offering compensation for any financial loss. So, if your airline delays your luggage, you get a payout to buy essentials.
Moreover, many countries, such as France, Germany, and Canada, mandate travel insurance as part of their visa processes; hence, it's essential to obtain travel insurance that is visa-compliant. With IndusInd Travel Insurance, you get high coverage, visa-compliant plans with sum insured options ranging from $100,000 to $500,000. We also offer quick cashless claims at any hospital overseas and 24/7 worldwide customer support through Europ Assistance. From take-off to touchdown, we’ve got your back!
Reasons to Buy Travel Insurance
Medical Emergencies While Overseas
An overseas trip is a great way to unwind and tick new experiences off your bucket list. However, an untimely medical emergency -- like sudden sea-sickness while you're island hopping or if the exotic cuisine doesn't agree with you -- can quickly derail your trip itinerary. The last thing you want to do is spend all your trip funds on medical expenses.
Moreover, most countries we visit, such as the UAE, USA, UK, Canada, and Australia, have significantly higher healthcare costs, with even a short hospital stay costing lakhs. So, having a travel insurance plan can be a lifesaver in these situations.
At IndusInd General Insurance, we offer coverage of up to $500,000 for doctor visits, hospitalisation and more to beat the expensive healthcare costs abroad.
Trip Cancellations, Interruptions, Flight Delays & Missed Connections
Booking your flights and hotels in advance helps you save money and plan better. But if your trip gets cancelled due to rough weather, airline issues, or health emergencies, our travel insurance is there to help. We cover non-refundable expenses like pre-booked events, hotel stays, and flight tickets up to $600, so your money isn't lost. In fact, claims related to missed connections and airline delays accounted for 25% of total travel claims in 2024, highlighting how common these issues are.
We also cover trip interruption, i.e., you need to cut your trip short. This can be useful if you’re travelling under a tour package, or if you’re a student on a study visa and your semester gets interrupted. In this case, our student travel insurance offers a study interruption cover up to $10,000.
Moreover, long international itineraries with multiple connections can be easily disrupted with one delayed flight. For example, let’s say you’re flying from Delhi to New York but have layovers in Dubai and London. A single flight delay at any one of these locations can lead to you missing your next flight, turning your layover into an extended stay. This can also result in additional costs for lodging and rebooking. Luckily, IndusInd travel insurance has got you covered for both flight delays (we pay $60 per day for up to 6 days) and missed connections (we pay up to $500).
Baggage Loss and Delays
Imagine arriving at your dream destination only to find that your checked-in bags are delayed or lost due to an airline mishap. That’s why we cover the loss or delay of checked-in baggage. You get a payout of $100 for delays that exceed 12 hours and up to $1,500 in case the airline loses your bags completely. With this, you can replace essentials like clothes or toiletries, so you can still continue your trip while your luggage catches up with you.
Loss of Passport
The best part of visiting new countries is shopping and visiting the most popular tourist spots. But if you accidentally lose your passport while trekking through Nepal’s mountain trails, exploring the bustling streets of Bangkok, or while island hopping in Greece, you can immediately contact us using the Self-i app. We cover passport loss up to $300*. We also help you find or put you in contact with the nearest consular office to help you get a replacement quickly, so your adventure doesn’t come to a halt.
Emergency Cash Assistance
Lost your wallet and cards when rushing to keep up with your itinerary? Don’t worry, we’ve got you covered. Whether you’re out shopping in Ginza, Tokyo, navigating the Paris metro or exploring the bustling souks of Dubai, we cover accidental loss or theft related loss of your personal belongings, like your wallet, up to $300. All you need to do is contact us using the Self-i app to get your payout amount, and you can continue your trip without any delays. We offer this service 24/7, so you get prompt assistance no matter where you are.
100% Premium Refund for Visa Rejection
Visa processes can be complex, with most countries requiring you to buy travel insurance as part of their visa requirements. For example, Schengen area countries – like France, Italy, Germany – require everyone to have travel insurance with medical coverage. But if you’re worried about visa rejections and lost expenses, don’t worry, you’re fully covered. We offer a 100% refund of premiums paid* toward your IndusInd travel insurance plan in case of a visa rejection.
Personal Liability Coverage
Let’s say your child accidentally breaks an expensive antique while you’re out shopping in Dubai, or you bump into a street vendor in Hanoi on your rented scooter. While these incidents are rare, it doesn’t hurt to be prepared – and that’s why we cover personal liability costs up to $200,000. This can be especially helpful since incidents like these can lead to you having to pay hefty compensation costs.
Why Choose IndusInd Travel Insurance?
At IndusInd General Insurance (formerly Reliance General Insurance), we put you at the centre of product design. From high medical coverage up to $500,000 to smartphone-enabled claims and policy management, our travel insurance works the way you do. So, no matter where your travels take you, we ensure your trips stay centred on soaking up new experiences, while we take care of any trip emergencies that come your way.
Cashless Medical Claims*
Go cashless at any hospital overseas!
AI-Powered Self-i App*
Quick processes and 24/7 support
Visa Rejection Refund*
100% refund on premiums paid*
Flight & Baggage Loss Covered*
We cover delays, loss & cancellations
IndusInd Travel Insurance Coverage
Individual Travel Insurance
Individual travel insurance is a comprehensive plan specially designed for both solo travellers and anyone travelling with a group of people. For example, you can get this plan if you're planning a trip with friends or travelling with extended family. It offers medical coverage from $100,000 to $500,000 and journey support for multiple countries throughout the entire trip duration. It also includes dental coverage, 24/7 assistance, home burglary insurance, compassionate visit cover and more.
Key Features | Excluding USA & Canada Coverage | Worldwide Plan Coverage |
|---|---|---|
Countries Covered | Includes Schengen countries, Asia region and other countries except USA and Canada. | Includes worldwide coverage for all regions, including USA and Canada |
Medical expenses | $500,000 | $500,000 |
Personal liability | $200,000 | $250,000 |
Personal accident | $30,000 | $30,000 |
Total loss of baggage | $1,500 | $1,500 |
Loss of passport | $300 | $300 |
Delayed checked-in baggage | $100 | $100 |
Trip delays | $60/day (Max of 6 Days) | $60/day (6 Days Max) |
Dental treatment | $500 | $500 |
Home burglary insurance | ₹3,00,000 | ₹3,00,000 |
Compassionate Visit | Return fare for a family member/doctor | Return fare for a family member/doctor |
Family Travel Insurance
Why buy four separate travel plans when you can cover all four of your family members under one plan! Our travel insurance comes with a family coverage option where you can add up to 4 family members and share the sum insured amount. You can cover yourself, your spouse, and up to two dependent children (both need to be below 21 years) all under one plan. This makes policy handling a lot easier since you can file claims under the same policy no matter which family member requires coverage while you’re overseas.
Key Features | Excluding USA & Canada Coverage | Worldwide Coverage |
|---|---|---|
Medical Coverage | $250,000 | $100,000 |
Personal liability | $25,000 | $25,000 |
Personal accident | $200,000 | $100,000 |
Total loss of baggage | $1,000 | $1,000 |
Loss of passport | $300 | $300 |
Delayed checked-in baggage | $100 | $100 |
Trip delays | $50/day (7 Days Max) | $50/day (7 Days Max) |
Dental treatment | $500 | $500 |
Home burglary insurance | ₹1,00,000 | ₹2,00,000 |
Compassionate Visit | Return fare for a family member/doctor | Return fare for a family member/doctor |
Student Travel Insurance
Missed a semester due to a family emergency or a sudden illness? Don't worry, our student travel insurance policy offers study interruption coverage up to $10,000 and a 2-way compassionate visit for a family member. We cover their stay overseas the entire time they're with you during your hospitalisation. You also get tuition reimbursement if you have to discontinue your studies and return to India due to an emergency. Whether it's for just one semester, a student exchange program or a full-time course, we ensure you're always covered.
Key Features | Most Popular | Maximum Coverage |
|---|---|---|
Medical Expenses | $50,000 | $500,000 |
Dental Treatment | $500 | $500 |
Loss of Passport | $100 | $200 |
Total Loss of Checked-in Baggage | $1,000 | $1,000 |
Personal Accident | $25,000 | $25,000 |
Personal Liability | $100,000 | $150,000 |
Bail Bond | $500 | $5,000 |
Study Interruption | $10,000 | $10,000 |
Sponsor Protection | $10,000 | $10,000 |
2-way Compassionate Visit | $7,500 | $7,500 |
Annual Multi Trip Insurance
This travel plan is designed for travellers who take multiple trips per year and covers 30-45 days* in total. In other words, you can cover multiple trips under one travel insurance plan. It offers coverage of up to US$500,000* for medical expenses, as well as coverage for dental treatment, cashless hospitalisation, missed connections, emergency cash allowance, and more. You need to be between 18 to 70 years to buy this plan. This plan also covers only one person.
Key Features | Most Popular | Maximum Coverage |
|---|---|---|
Medical Expenses | $100,000 | $500,000 |
Personal liability | $100,000 | $250,000 |
Personal accident | $20,000 | $30,000 |
Total loss of baggage | $500 | $1,500 |
Loss of passport | $300 | $300 |
Delayed checked-in baggage | $100 | $125 |
Trip delays | $30 per day (6 Days Max) | $60 per day (6 Days Max) |
Dental treatment | $500 | $500 |
Home burglary insurance | Nil | ₹300,000 |
Compassionate visit | Return fare for a family member/doctor | Return fare for a family member/doctor |
Senior Citizen Travel Insurance
Whether you’re an NRI looking to bring your parents over for a long-awaited reunion or a retiree eager to put your retirement fund to good use, our senior citizen travel insurance plan is there to support your journey every step of the way. Designed for travellers from 60 - 90 years of age, this policy ensures both ease of use via the Self-i app and all-around coverage during your trip.
| Features | Most Popular | Maximum Coverage |
|---|---|---|
Medical Expenses | $100,000 | $500,000 |
Personal liability | $100,000 | $250,000 |
Personal accident | $20,000 | $30,000 |
Total loss of baggage | $1,000 | $1,500 |
Loss of Passport | $1,000 | $1,500 |
Delayed checked-in baggage | $100 | $100 |
Trip delays | $25/day (Max of 6 Days) | $60/day (Max of 6 Days) |
Dental treatment | $500 | $100 |
Home burglary insurance | $100,000 | $100,000 |
Compassionate visit | Return fare for a family member/doctor | Return fare for a family member/doctor |
Disclaimer: To get a complete list of Travel Insurance plans, go through the policy documents linked here
Travel Insurance Plans by IndusInd General Insurance
Individual Travel Insurance
What Is It?: It is a plan specially designed for a single journey. You can get this plan if you’re travelling alone, with friends or with extended family, since you can cover other people travelling with you under this plan as well.
Benefits: Medical coverage up to $500,000, cashless hospitalisation at any hospital overseas, 24/7 assistance, and flight cancellations and luggage delays are covered.
Eligibility: You and everyone you’re travelling with need to be below 61 years to be eligible for coverage under this plan. If you’re travelling with newborns, they need to be at least 3 months old.
Annual Multi-Trip Travel Insurance
What Is It?: This is a yearly plan that covers multiple trips taken within a year. It covers 30-45 days* in total and is perfect for seasoned travellers, frequent flyers and business owners who take multiple trips overseas within a year. You can choose the specific countries you’ll visit, or you can choose specific regions. So, if you travel within Asia a lot, you can choose the Asia option. If you’re not sure which countries you’ll be visiting, you can choose the worldwide option during purchase.
Benefits: Unlimited trip coverage up to $500,000, cashless hospitalisation, loss of passport, flight delays and missed connections covered – you get a payout for both separately, 24/7 emergency cash allowance, etc.
Eligibility: You need to be between 18 to 70 years to buy this plan. This plan also covers only one person.
Family Travel Insurance
What Is It?: This travel plan is exclusively for families taking a trip abroad. It offers coverage for 4 family members, including your spouse and two dependent children, under one plan.
Benefits: Medical & dental coverage for illnesses and emergencies, flight delays, personal liability and luggage delays and loss are covered. Choose from multiple sum insured options depending on what country you’re visiting.
Eligibility: It covers only up to 4 family members, and the 2 children must be below 21 years of age. So, if you have 3 children or children over 21 years, you’ll need to cover them under a separate plan.
Senior Citizen Travel Insurance
What Is It?: This is a travel plan that offers extensive medical coverage of up to $500,000. It's designed specifically for travellers aged 60 and above, up to 90 years of age.
Benefits: No medical check-ups required during purchase. It covers pre-existing diseases*, compassionate visits, medical emergencies, loss of personal belongings and more.
Eligibility: You need to be between the ages of 61 to 90 years to buy this plan. NRIs can also purchase this plan for their parents if they plan to fly them over for an annual visit.
Travel Insurance with COVID-19 Coverage
If you contract COVID-19 while travelling, the policy covers your medical treatment, ensuring your healthcare costs are managed.
It covers trip cancellations due to COVID-19. If you test positive or face health advisories, you will get refunds for non-refundable costs.
With these extensive benefits from us, you can travel with confidence, protected from unexpected COVID-19 expenses.
IndusInd Travel Insurance: Inclusions and Exclusions
What is covered?
Medical Emergency: Covers medical and dental treatment arising from accidental injuries during your trip.
Personal Liability: If you cause damage to someone’s property or injure them unintentionally, their medical or repair costs will be taken care of.
Trip and Baggage Delay: Covers any baggage or trip delays over 12 hours caused by a medical emergency or rough weather.
Passport and Baggage Loss: If your passport is lost or stolen during travel, you will receive assistance to cover the cost of getting a replacement. We also cover luggage loss if your airline completely loses your checked-in luggage.
Emergency Assist: Receive emergency cash in case you lose your money due to theft or any other accident during the trip.
Pre-existing disease: If an existing health condition turns life-threatening during your journey, treatment expenses will be covered. Hence, always remember to declare any pre-existing conditions to us during policy purchase to ensure coverage.
What is not covered?
Medical Tourism, Undisclosed Pre-Existing Diseases & Maternity: We cover all medical emergency costs while you're overseas except for maternity costs, undeclared PEDs and planned medical treatments.
Negligence & Travelling Against Medical Advice: Your trip emergencies are always covered; however, we do not cover trips taken against a doctor's advice, or claims due to personal delays or negligence.
Legal Action: Liability-related costs are fully covered except for ones arising out of any legal violations while overseas.
Disclaimer: To know the complete list of inclusions and exclusions, please refer the policy wordings linked here
Want to know about Travel Insurance in detail?
Speak to Experts!
How to Buy IndusInd Travel Insurance?
Know Your Needs
Based on your travel destination, pick the best plan with a suitable SI.
Compare & Select
Provide your trip details and choose a plan type. E.g., Family, Individual, etc
Complete KYC
Enter your KYC details by entering your PAN and passport details online.
Things to Consider While Buying Travel Insurance Online
Policy Type
The type of policy you’ll need will depend on your age. For example, senior citizens (over 61 years) would need a specialised senior citizen plan, since they require higher medical cover. A family of 4 going on vacation would benefit from a family travel insurance plan, rather than buying a separate plan for each family member.
And if you travel a lot for work or take frequent trips overseas throughout the year, buying an annual multi-trip travel plan would make sense, as it would be more cost-effective than buying a new plan for each trip.
Enough Coverage
Ensure the policy provides enough coverage for medical expenses, trip cancellations and other potential travel risks you may face based on the destination you’re travelling to. For example, if you’re visiting the US, getting a travel insurance policy with a high medical cover would be ideal. At IndusInd General Insurance, we offer sum insured options for medical coverage starting from $100,000 all the way up to $500,000.
We also offer coverage over and above this amount for trip emergencies like flight cancellations, baggage delays and loss, 24/7 emergency cash, and more for extensive protection.
Consider Trip Duration and Destination
The length and location of your trip, along with any layovers/transits, can impact your insurance needs. For instance, if you have a 2-week trip planned for Canada, your travel insurance requirements would be different compared to a student who’s planning to attend university there for a year, since they’ll require coverage for an extended period of time.
Similarly, the country you’re travelling to will also need to be taken into account. If you’re travelling to a budget-friendly destination like Vietnam, our popular/base coverage would suffice. For destinations like Dubai (UAE), Australia, the UK, the USA or Europe, our maximum coverage option would be ideal.
You also need to check if your travel insurance plan offers extensions in case you need to extend your trip due to an emergency. At IndusInd General Insurance, our plans offer 7-day extensions for flight delays and 30-day extensions for medical emergencies*.
Visa-Specific Requirements
Your travel insurance plan needs to be visa-compliant. This is because countries like the UAE, Turkey, and the 29 Schengen Area countries (e.g., France, Italy, Spain, Germany, etc) all require you to buy travel insurance as part of their visa process. Meanwhile, countries like the US and Nepal mandate travel insurance for specific travel purposes – the US for student visas and Nepal for trekking or mountaineering.
At IndusInd General Insurance, we offer travel insurance plans that are visa-compliant and fulfill the minimum Schengen medical coverage requirement of €30,000. We also offer a 100% refund* on premiums paid towards your travel insurance policy in case of a visa rejection for any reason.
Check for Credentials
The insurance company you choose needs to be approved by the Insurance Regulatory and Development Authority of India (IRDAI) and must be listed as a general insurer on the IRDAI website. For example, you will find IndusInd General Insurance (formerly known as Reliance General Insurance) listed on their website. Avoid buying travel insurance from unlisted insurance companies.
Policy Exclusions
Carefully read through the policy exclusions to understand what is not covered. This will help you avoid surprises when filing a claim. We provide clear and transparent policy terms to ensure you are fully aware of what is and isn’t covered. You can check them here.
Travel insurance starting at just ₹306*!
Chase Adventures, We've Got Your Back!
From last minute detours to unexpected delays, travel worry-free with insurance that moves with you. Fast, affordable coverage so nothing slows you down!
How to Claim IndusInd Travel Insurance?
Filing a claim under your IndusInd travel insurance policy is easy! For medical claims, all you need to do is submit your policy details at the hospital reception to get cashless medical coverage. And for non-medical claims like flight delays, trip cancellations, lost checked-in luggage, etc., open your Self-i app and tap “InstaClaim”.
Here are the details and documents you will need to provide when filing a claim. These will need to be scanned and emailed to us at indusind@europ-assistance.in –
General Documents
Travel Documents & Claim Form: Your original ticket, boarding pass or a copy of your passport indicating the travel dates. Duly filled and signed claims form.
For Medical Claims: Medical bills, test reports, discharge summary, etc. They need to show your name and treatment date, the type of illness and details of the items used for medical treatment.
For Theft & Emergency Cash: A Police Report obtained within 24 hours of the incident. For theft, the report needs to be obtained within 24 hours of you knowing when the item has gone missing.
Passport Loss: Original bills/receipts of costs for a new/fresh passport.
Additional Documents
Total Loss of Checked-In Baggage: A Property Irregularity Report or other report issued by the airline. You also need to submit proof of ownership of lost items worth more than US$100.
Delay of Checked-In Baggage: Original bills of emergency items purchased, and the Property Irregularity Report from the airline stating the date and time of arrival of the delayed baggage.
Flight Delays & Missed Connections:
Confirmation from the airline, with the scheduled arrival time and the actual arrival time. Reason for the flight delay needs to be mentioned and all original bills for costs.
For Third Party Liability: A police report and proof of judicial decision.
Disclaimer: For the complete list of documents, please refer to your policy documents. For further assistance, you can contact customer support. It takes around 30 working days* to settle your claim from the date of submitting the final claim document.
Factors Affecting Travel Insurance Premium
Most Popular Travel Insurance Myths
My Employer is taking care of my Health Insurance and so I do not need one
Myth #1: I am healthy and disease-free. I don’t need travel insurance.
Fact: Travel insurance is not only for health-related emergencies. It protects you from all kinds of unforeseen events. Get coverage for trip delays, baggage loss, passport loss, etc., that may arise on your trip.
My Employer is taking care of my Health Insurance and so I do not need one
Myth #2: Travel insurance is only necessary for frequent travellers.
Fact: Whether you are a frequent traveller or looking forward to a single trip, travel insurance is important for all types of travel. Travel-related emergencies can happen even if you take one vacation in a year.
My Employer is taking care of my Health Insurance and so I do not need one
Myth #3: Travel insurance should be purchased only if it is mandatory.
Fact: Travel insurance is strongly advised, even if it's not compulsory for your destination. It covers medical emergencies, flight cancellations, trip delays, etc., to ensure your finances are covered in case of trip emergencies.
My Employer is taking care of my Health Insurance and so I do not need one
Myth #4: Travel insurance is expensive.
Fact: Compared to your overall trip costs, travel insurance is a relatively minor expense. For example, our plans start at just ₹306*. And when you take into account the amount of coverage you get, you’ll find that it’s a great investment and offers good value for money.
My Employer is taking care of my Health Insurance and so I do not need one
Myth #5: Senior Citizen Plans Need Medical Check-ups
Fact: This isn’t true. Our travel insurance plans do not require any medical check-ups before purchase, and we offer coverage up to 90 years of age*. All you need are your KYC card details, contact information, passport number and trip dates to buy a travel insurance plan from our website.
My Employer is taking care of my Health Insurance and so I do not need one
Myth #6: You only need a travel plan when taking part in risky activities.
Fact: This is only partially true. On top of basic trip coverage, travel insurance plans will also cover other events like personal accidents, trip delays, missed flights, personal liabilities, loss of belongings, and more. In other words, you get all-around coverage during your trip for any type of emergency you face.
Countries Where Travel Insurance is Mandatory
United Arab Emirates
United States of America
Turkey
Seychelles
Qatar
Fiji
Cuba
Russia
Morocco
Nepal
Argentina
Georgia
Lebanon
Moldova
Israel
Jordan
Iran
Ecuador
Morocco
Schengen Countries
Common Travel Insurance Terms Simplified for You
Sum Insured
The maximum amount you can claim in case of an unforeseen scenario covered by your travel insurance policy.
Cashless Hospitalisation
Allows you to receive treatment at any hospital overseas without paying upfront, as the insurer settles the bill directly with the hospital.
Multi-Trip Travel Insurance
This is a type of travel insurance plan that covers all the trips you take within a year. In other words, it covers multiple trips rather than just one trip, and its coverage is valid for the whole year.
Reimbursement
This is a type of claims process – You pay the emergency expense out of pocket first, and then file a claim where you will receive an agreed amount from the insurance provider.
Add-Ons
Optional insurance products offering extra coverage, like medical evacuation, adventure sports coverage and maternity coverage.
Premiums
The one-time amount paid by the policyholder when purchasing a travel insurance plan
Emergency Financial Assistance
Financial support provided in case of cash loss due to theft, robbery or similar incidents
Baggage Delay Coverage
Financial coverage for expenses, such as clothes, toiletries and medicines, incurred due to delayed baggage arrival.
Baggage Loss
Compensation for the total loss of checked-in luggage by the airline up to a pre-agreed limit.
Trip Cancellation Cover
Reimbursement for non-refundable expenses if your trip is cancelled due to covered reasons like illness or emergencies.
Hijack Cover
A hijack distress allowance offers a per-day payout if your plane is hijacked. This payout can be used for treatment or distress counselling if you were injured during the incident. It can also be used to cover the cost of a missed connecting flight if the hijacking incident caused you to miss your next flight. We offer a hijack distress allowance of $125 per day for up to 7 days maximum* if the hijack exceeds 12 hours.
Deductible
A deductible refers to the amount you agree to pay to the insurance company before claiming insurance benefits. It is a mandatory payment that directly impacts your premium amount. Some plans also offer voluntary deductibles that you can opt for. The higher your deductible is, the lower your premium value will be. However, note that deductibles can increase your out-of-pocket expenses at the time of claim settlement.
Personal Accident Cover
Compensation for accidental death or permanent disability during the trip.
Daily Allowance for Hospitalisation
A daily allowance provided if you are hospitalised for a specified number of days during your trip.
Compassionate Visit Cover
Coverage for travel and accommodation expenses for a family member to visit you if you are hospitalised for an extended period.
Missed Connections Cover
Reimbursement for additional expenses incurred due to missing a connecting flight because of unforeseen events.
Personal Liability Cover
Coverage for legal liability in case you cause injury to others or damage their property during your trip.
How is IndusInd Travel Insurance Better?
How is this product better than any other plan?
Features | IndusInd Individual Travel Plan | IndusInd Family Travel Plan | Other Insurer |
|---|---|---|---|
Medical Expenses | $500,000 | $250,000 | $500,000 |
Personal Liability | $250,000 | $200,000 | $500,000 |
Baggage Loss | $1,500 | $1,000 | $300 |
Loss of Passport | $300 | $300 | $250 |
Trip Cancellation | $600 | $600 | $500 |
Personal Accident | $30,000 | $25,000 | $15,000 |
Key Takeaways
Even the best-planned journeys can hit unexpected bumps – from flight delays and baggage mishaps to missed connections and last-minute cancellations. That’s where IndusInd Travel Insurance (formerly Reliance Travel Insurance) steps in, offering comprehensive trip protection starting at just ₹306*.
Picture this, you arrive at Zurich Airport (Switzerland), only to discover your luggage with all your winter essentials has been delayed by the airlines. And replacing clothes and toiletries on such short notice can be expensive. With IndusInd travel insurance, you can get a payout of up to $100 for luggage delays exceeding 12 hours – helping you manage this sudden expense with ease.
Beyond convenience, travel insurance is also a mandatory requirement for some countries. For example UAE, Thailand, Canada and the Schengen Area countries require you to have travel insurance as part of their visa processes. So, having travel insurance isn't just smart, it’s sometimes compulsory.
At IndusInd General Insurance (formerly Reliance General Insurance), we offer claims through the Self-i app, as well as cashless services at any hospital overseas. Additionally, we provide 24/7 worldwide customer support through email, call, and WhatsApp to ensure you’re covered for anything and everything. Whether it’s a lost passport, a delayed flight, or a medical emergency, we’re just a tap away.
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Frequently Asked Questions
How will the new GST exemption affect travel insurance premiums?
From September 22nd, 2025, all retail travel insurance products issued by IndusInd General Insurance (formerly Reliance General Insurance) will be exempt from GST. This means when you buy travel insurance from us after September 22nd, 2025, you will not have to pay the 18% GST on your travel insurance premiums. So, travel insurance policies will be a lot more affordable and will have lower premiums.
How to buy IndusInd travel insurance?
Here’s how you can get an IndusInd travel insurance policy -
Scroll up to the calculator on top of the page and select your travel purpose – Leisure, Business or Study.
Enter your travel details – how many days you’re travelling for, the number of people you’re travelling with, where you’re travelling to, etc.
Select the sum insured amount and then enter your KYC details by entering your PAN and passport details online.
Pay online securely – We offer multiple payment options, including debit/credit card, UPI, EMI, and net banking.
Once your payment is processed, you’ll receive your travel insurance policy via email.
Please Note: You can get only one policy issued per trip. You must also be present in India when buying a travel insurance policy. And if you’re travelling on an immigration visa, you can purchase a one-time travel insurance with a maximum validity of 60 days.
In case of a medical emergency, is there any need for pre-approval before hospitalisation overseas?
No. You don’t need any pre-approval before hospitalisation in case of an emergency. You just need to present your policy at the hospital and register the claim via the Self-i app.
How will the reimbursement happen? Will I get it in Indian Rupees or USD?
Upon your return to India, the reimbursement amount will be paid in INR based on the current exchange rates. Moreover, our claims department will settle claims for financial emergency assistance abroad.
What if I lose all the original documents?
If you lose your documents and are unable to arrange them before the claims procedure, then we will not be able to process your claim and initiate reimbursement.
Can I buy travel insurance if I’m going abroad for work?
If you’re travelling overseas to live and work there long-term, then no. Our travel insurance plans cover a maximum of 182 days and can be extended up to 365 days*. We recommend buying our travel insurance for initial short trips and then switching over to a local health insurance provider once you’re settled abroad.
If you travel overseas frequently for work, we recommend purchasing our annual multi-trip travel insurance plan. It covers 30-45 days in total* and offers a worldwide coverage option that covers multiple destinations, so you have coverage no matter what country you travel to.
How can I extend my IndusInd travel insurance policy?
You can extend your existing policy up to 7 days for flight delays or up to 30 days for medical emergencies*. Here’s how you can do that –
You must contact us and inform us about your extended travel plans. You can also do this via the Self-i app.
Download and fill out our Extension Form and Good Health Declaration Form.
Submit the forms via email, and our insurance experts will get in touch to discuss further steps.
Note that there is no option for renewal of your travel insurance plan. If you have queries about how to extend, renew or buy travel insurance online, contact our customer support team.
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