Travel insurance starting at just ₹306*
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0% GST on Premiums!
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$500,000 Medical Cover
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Flight & Baggage Loss Cover
Travel Insurance
What is Travel Insurance?
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.
Why do you need 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.
For instance, in 2024, 1 in 4 travellers stated airlines had either lost, delayed or damaged their luggage and offered no compensation.
How IndusInd Travel Insurance helps
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.
Visa-Compliant Travel Insurance with Global Assistance
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!
The Importance of Travel Insurance
If something goes wrong during your travel – you get sick, lose things, miss a flight, or face any other emergency – travel insurance steps in to help pay for the resulting costs of these emergencies. Without travel insurance, all these costs would come straight out of your pocket. Therefore, we highly recommend everyone - from students travelling overseas for higher education, vacationers, solo travellers, to business travellers – to have a travel insurance policy when travelling.
And before you think of it as an extra expense, think of it like this – paying for travel insurance will only make up a small portion of your entire trip cost. Plus, emergency medical treatment can cost lakhs overseas, while an international travel insurance policy would cost a fraction of that and would also be able to pay for your medical bills.
You can easily buy travel insurance online from our website and quickly file claims on your phone via our IndusInd Insurance App.
Why Do You Need Travel Insurance When Travelling Abroad?
Covers Trip Delays, Missed Connections & Extensions
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, an advantage of having travel insurance is that both these expenses will be covered. IndusInd travel insurance has you covered for both flight delays (we pay $60 per day for up to 6 days) and missed connections (we pay up to $500), with automatic plan extensions of up to 30 days in case of emergencies. We ensure these costs are taken care of so you are not left paying for them.
Overseas Medical Treatment Can Cost Lakhs
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. And Indian health insurance rarely covers medical emergencies abroad. So, having a travel insurance plan can be a lifesaver in these situations.
At IndusInd General Insurance, we offer travel protection of up to $500,000 for doctor visits, hospitalisations, dental treatment, emergency evacuations and more to beat the expensive healthcare costs abroad.
Financial Safety Net for All Travellers
Anyone travelling overseas or domestically can insure their trip with travel insurance. It acts as a catch-all for any type of travel emergency, regardless of your reason for travel. For example,
Vacationers: Solo or family vacations and weekend getaways are often prepaid (flight tickets, hotel rooms, tours, etc), with these expenses being non-refundable. Plus, any delays wipe out carefully planned itineraries and cost a small fortune. A travel policy ensures you don’t lose months of savings to a trip emergency.
Senior Citizens: Older travellers need to contend with longer recovery times, pre-existing conditions, and a higher risk of medical emergencies while overseas. Plus, health scares overseas can turn into financial crises for retirees and their families. Here, travel insurance can be a financial shield.
Business Professionals: Work trips and frequent flights often come with tight schedules, expensive last-minute bookings, and you taking high-value belongings like laptops or documents. Even a single trip emergency can derail your whole trip, so it’s always best to insure these trips.
Students Travelling Overseas: As a student, you may be required by our university overseas to have travel medical insurance. Plus, you may have a tighter budget and limited local financial support, since most government services are only available for free to citizens and permanent residents. So, a travel insurance policy is often essential.
Moreover, all claims and assistance requests can be initiated digitally via the IndusInd Insurance app.
Helps Cover Lost Passports & Baggage
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, travel insurance can help you.
We offer international travel protection, where you can immediately contact us using the IndusInd Insurance 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.
Similarly, imagine arriving at your dream destination only to find that your checked-in bags are delayed or lost due to an airline mishap. Emergencies abroad can be harder to manage alone. 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.
Mandatory Travel Insurance for Visa
Most countries require you to buy travel insurance as part of their visa requirements. In fact, over 40 countries require travellers to carry travel insurance, with the vast majority requiring coverage that includes medical care, i.e., “travel medical insurance”.
For example, all 29 Schengen area countries – like France, Italy, Germany, etc. require everyone to have travel insurance with medical coverage as part of their visa processes. So, travel insurance isn’t just an additional “nice to have”; it’s an essential part of travel planning, as it serves as visa-compliant documentation.
Plus, if you’re worried about visa rejections and lost expenses, don’t worry, you’re fully covered. As an added benefit, we offer a 100% refund of premiums paid* toward your IndusInd travel insurance plan in case of a visa rejection.
Get Refunds for Trip Cancellations & Interruptions
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.
Will Offer Legal Assistance for Personal Liability
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 one of the key benefits of travel insurance. In fact, we cover personal liability costs up to $250,000. This can be especially helpful since incidents like these can lead to you having to pay hefty compensation costs.
Your Home Stays Secure While You’re Away
Heading out for a vacation? Our travel insurance plans offer protection for your home while you’re away. You get coverage for theft or burglary so you can enjoy your travels without worrying about what’s happening back home. So, if you are an avid traveller whether for leisure, work, studies, or business, we protect you and your home during your travels. And don’t worry, we’ve got you covered for longer stays, not just short getaways!
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. As an IRDAI-approved insurance provider, we ensure 100% transparency in pricing, claims, and coverage. So, no matter where your travels take you, your trips stay centred on soaking up new experiences, while we take care of any trip emergencies that come your way.
Up to $5,00,000 Medical Cover!
Get cashless medical claims worldwide
AI-Powered Claims via Mobile App
24/7 claims & customer support on our app
170+ Countries Covered
Multi-destination trip coverage available
Flight Cancellation & Baggage Loss Covered
Quick claims for baggage & flight loss/delays
Key Features of IndusInd Travel Insurance
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 | $200,000 | $100,000 |
Personal accident | $25,000 | $25,000 |
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 IndusInd Insurance 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
Cost of Travel Insurance vs Cost of Real Travel Emergencies
Emergency Type | Average Cost (without Insurance) | Covered under Travel Insurance |
|---|---|---|
You have a medical emergency or need to visit a hospital | ₹16,542 (USD 193) | Up to USD 500,000 for hospital stays, surgery and medicine costs |
Your flight is delayed, and you’ve missed your next connecting flight | ₹40,000 - 50,000 | Up to USD 60/day for delays
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Your airline delays your luggage | ₹17,379 (USD 202) | Up to USD 100 for delays
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You need to cancel and reschedule your trip | ₹72,428 (USD 844) | Up to USD 600 for non-refundable costs like flight tickets, hotel bookings & prepaid events |
Your passport is lost or stolen | USD 150/ CAD 306/ GBP 254 | Up to USD 300; full reissue cost + will assist you to the nearest embassy |
Your child breaks an antique at a shop in Dubai | ₹23,000 - 3 lakhs+ for repairs + legal fees | Up to USD 250,000; |
Accidental death, medical evacuation, and repatriation of remains | ₹10 - 15 lakh+ | Up to USD 500,000; your family gets a lump amount + also covers funeral costs |
Disclaimer: The prices and estimates mentioned in this section were sourced from multiple sources across the web. These amounts are subject to change and have been presented for illustrative purposes only.
What Does IndusInd Travel Insurance Cover?
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 to the policy wordings here
Want to know about Travel Insurance in detail?
Speak to our Travel Experts!
Types of IndusInd Travel Insurance Plans
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.
Typical Trip Duration: 180 days, or up to 365 days, with automatic extensions for 7 days (trip emergencies) or 30 days (medical emergencies)
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. 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.
Typical Trip Duration: It covers 30-45 days* on a cumulative basis and is valid for 1 year from the policy start date. Coverage starts automatically any time you travel overseas within that year.
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.
Typical Trip Duration: 180 days, or up to 365 days, with automatic extensions for 7 days (trip emergencies) or 30 days (medical emergencies).
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.
Typical Trip Duration: 180 days, or up to 365 days, with automatic extensions for 7 days (trip emergencies) or 30 days (medical emergencies)
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.
Student Travel Insurance
What Is It?: This is a travel policy made specifically for those planning to study overseas. It will cover your entire stay overseas and provide tuition reimbursement if you need to return to India due to an emergency.
Typical Trip Duration: Policy duration up to 730 days (2 years), or based on your course duration.
Benefits: No medical check-ups required + pre-existing disease coverage*, with coverage up to $500,000. You also get study interruption coverage, bail bond, sponsor protection, and dental, along with add-on coverage for mental health treatment costs.
Eligibility: You need to be between the ages of 16 to 35 years to buy this plan. Plus, this plan only covers one person - the student travelling overseas. Anyone accompanying them would need a separate travel insurance policy.
Disclaimer: The prices, discount rates and other metrics provided are subject to change and will depend on the policy you choose to buy. For more detailed information, you can check your policy documents or contact us.
Does Travel Insurance Cover COVID-19?
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.
Travel Insurance Requirements by Destination
Here are some of the most popular travel destinations and their Insurance requirements for your quick glance.
Travel Insurance for the USA
Recommended Plan: Worldwide Travel Plan (with US & Canada) – Individual or Family Option. We offer a 100% refund on premiums in case of visa rejection.
Is Travel Insurance Mandatory: For visit and tourist visas, no; but it is mandated for certain student visas.
Typical Coverage Recommendations:
- For tourists, aim for high medical coverage – $500,000 & trip cancellation cover and family plan options if you’re travelling with your family.
- For work and other travel – trip cancellation, flight delays & missed connections,
- For students, look for study interruption, sponsor protection coverage and mental health covers under medical coverage.
Key Risks Travellers Should Plan For:
- Healthcare costs are one of the highest in the world, so always plan for medical emergencies
- Luggage delays are common in busier airports like New York John F. Kennedy International Airport (JFK), Chicago O'Hare (ORD), Los Angeles (LAX), Miami (MIA), and Hartsfield–Jackson Atlanta International Airport (ATL).
- Flight tickets and hotels are usually non-refundable, so look for covers for flight delays, missed connections, trip cancellation, and automatic policy extensions for emergencies.
Travel Insurance for Europe (Schengen)
Recommended Plan: Schengen Travel Insurance – Individual or Family Option. We have a specialised Schengen plan + cover multi-destination trips
Is Travel Insurance Mandatory: Yes, for all 29 Schengen countries.
Typical Coverage Requirements:
- Minimum Coverage: Minimum medical cover of €30,000.
- Coverage Scope: Should cover emergency medical treatment, hospitalisation, and repatriation (return home for medical reasons or upon death).
- Visa Compliance & Validity: Must be visa-compliant + policy must cover the entire duration of your trip, including the travel days.
- Geographical Area: The policy must cover and be valid across all 29 Schengen countries.
Key Risks Travellers Should Plan For:
- Flight delays and missed connecting flight coverage if you’re visiting multiple European countries.
- Medical coverage (around $250,000 - $500,000) for visa compliance + healthcare can cost lakhs in Schengen countries.
- Loss of passport and emergency cash cover if you’re visiting crowded areas or on the move, switching flights, trains and buses during your trip.
Travel Insurance for the UK
Recommended Plan: Worldwide Plan (excluding US & Canada) – Individual or Family Option. You get quick cashless claims + affordable premiums.
Is Travel Insurance Mandatory: Not mandatory, but highly recommended
Typical Coverage Recommendations:
- For work and leisure trips, look for covers for medical + dental, trip cancellation, flight delays, emergency cash, etc.
- For longer trips, the same coverage applies, but look for higher coverage limits and premium plan options.
- For students, look for study interruption, sponsor protection coverage and mental health covers under medical coverage.
Key Risks Travellers Should Plan For:
- The cost of living there is higher, so aim for higher coverage plans or higher coverage limits.
- Medical coverage + dental covers since the NHS (free healthcare) is only available to citizens and select categories.
- Emergency cash and loss of passport covers if you’re visiting crowded areas or busy cities like London.
Travel Insurance for UAE & Dubai
Recommended Plan: Worldwide Plan (excluding US & Canada) – Individual or Family Option.
Is Travel Insurance Mandatory: Required for most visa types
Typical Coverage Recommendations:
- For short work and leisure trips, opt for medical + dental, trip cancellation, flight delays, personal liability, etc.
- For longer trips – same coverage, but look for higher coverage limits and premium plan options.
- If you travel frequently, we recommend choosing an annual multi-trip policy for cost-effectiveness.
Key Risks Travellers Should Plan For:
- High medical coverage since healthcare is quite expensive there.
- Most vacations are booked in advance and fully paid for, so look for higher coverage limits under trip cancellation.
- Opt for plans with high personal liability coverage, as the UAE has strict laws and high fine rates. So in case you’ve unknowingly broken any rules, you’re covered.
Factors Affecting Travel Insurance Premium
While our travel insurance plans offer affordable premiums, there are several factors that may impact the final premium price payable for your policy. Below are some of the key factors we consider:
GST on Travel Insurance Premium
As of 22nd September 2025, travel insurance policies will no longer have an 18% GST added to their price. This means you can easily get a travel insurance policy with lower premiums without compromising coverage.
Premiums here refer to the fee you pay when you buy a travel insurance policy. On top of this fee, an additional 18% was added, which meant you would pay 18% extra for a policy in addition to the policy's actual price. Now that this 18% GST on travel insurance premiums has been reduced to 0%, you get travel insurance at a lower price.
To get an in-depth understanding of how the new GST exemption will affect your policy premiums, you can read our blog on 0% GST on Travel Insurance in India.
Parameters | Before GST Reduction | After GST Reduction |
|---|---|---|
GST Rate | 18% GST on premium | 0% GST |
Example Premium | If your premium was ₹15,000, you paid ₹2,700 extra as GST (18%), bringing your total to ₹17,700 | If your premium was ₹15,000, you now pay only ₹15,000, with no added tax. |
Impact on You | Higher cost of travel insurance due to GST | Cheaper travel insurance with the same coverage |
Disclaimer: The premium values stated here are for illustrative purposes only.
How Do I Choose the Right Travel Insurance Plan for My Trip?
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 or more 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.
Medical Coverage Limits & PED cover
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.
It’s also best to check if pre-existing diseases are covered, and how your travel insurance policy covers pre-existing conditions if you have diabetes, high blood pressure, heart disease, or any other chronic illness.
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 Rules
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 & Student Visa 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. So if you’re travelling for a specific purpose like higher education, check the insurance requirements for your specific visa type.
At IndusInd General Insurance, we offer travel insurance plans that are visa-compliant and fulfill the minimum Schengen medical coverage requirement of €30,000 (while choosing a higher sum insured is recommended for optimum coverage). 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.
Read the Fine Print: Policy Exclusions & Deductibles
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.
Also, check the deductible amount under each cover. Not every cover will have one, but it’s best to check for them so you’re not caught off guard during claims. This is the amount you’ll need to pay out of pocket when you raise a claim, while your insurance company pays for the rest. For example, we have a $50 deductible for medical claims. Once this is paid, we’ll cover the rest of your medical bills.
Eligibility & Requirements to Buy Travel Insurance
Our products are designed keeping in mind different types of travellers, ensuring that they offer maximum security and peace of mind while travelling across 170+ countries. Below are the eligibility criteria for each of our travel plans.
Type of Travel Insurance Plans | Eligibility Criteria |
|---|---|
Senior Citizen Travel Insurance | Above 60 years to 90 years |
Student Travel Insurance | 16 to 35 Years |
Annual Multi-Trip Insurance | 18 to 70 years |
Individual Travel Insurance | 3 Months to 61 years |
Family Travel Insurance | Maximum 4 members - self, spouse, up to 2 dependent children below 21 years |
How Can I Buy Travel Insurance Online in India?
Know Your Needs
Based on your travel destination, pick the best plan with a suitable SI.
Compare & Select
Provide 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.
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 Travel Insurance Claims Work When You’re Abroad
Filing a claim under your IndusInd travel insurance policy is easy! Claims, document uploads, and assistance requests can be initiated digitally through the IndusInd Insurance App reducing paperwork and delays during emergencies.
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 IndusInd Insurance 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.
Common Travel Insurance Myths
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.
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.
I only need to buy travel insurance 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.
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.
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.
I 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.
My credit card insurance is enough.
Fact: While credit cards do offer travel insurance, you can only claim coverage with the travel insurance company your bank is tied up with, not the bank itself. So if there are any issues during the claims process, the bank will not be held responsible. The coverage is also only available if your card is valid, you’ve used it within a specific number of days of the event, and the card does not have any outstanding payments. So, it’s best to get a separate travel insurance plan, as it offers similar benefits and more accessible services.
I only need travel insurance for expensive trips
Fact: While you should definitely insure your more expensive trips, we still recommend insuring your shorter, less expensive trips. This is because sudden emergencies, such as accidents, illnesses, luggage loss, passport loss, or flight cancellations, can be costly when you pay out of pocket. That one small incident can cost more than the trip itself. A travel insurance plan can quickly handle the costs while you smooth out the other details. It can even offer further assistance, like directing you to the nearest embassy for emergencies like passport loss.
I don’t need insurance for short trips
Fact: Your shorter trips aren’t completely risk-free, and most travel problems often happen suddenly – and often on short “routine trips” or trips taken for specific purposes where you least expect trouble – like a wedding, a visa appointment, a conference, family functions, etc. Shorter trips are also often fully prepaid and tightly scheduled, so they have less of a buffer. You don’t get much time or flexibility to handle your emergencies better. Plus, everything can feel more urgent and stressful, so even smaller issues can cost a lot. Hence, travel insurance can serve as a financial and decision-making buffer.
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 is 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.
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
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, the 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 IndusInd insurance 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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