Travel Insurance for Trinidad and Tobago

Trinidad and Tobago is a vibrant, year-round destination that blends natural beauty with rich Caribbean culture. Whether you're exploring the lively streets of Port of Spain, hiking the lush trails of Tobago’s rainforest, or soaking in the serenity of Maracas Bay, the islands offer a rich and diverse travel experience. With increasing flight connectivity from India, it’s becoming a top choice for Indian travelers. To make your journey worry-free, having Trinidad and Tobago travel insurance is a smart move.

Travel insurance ensures you're protected against common travel disruptions. For example, imagine misplacing your passport while shopping in Queen’s Park Savannah or visiting the historic Fort King George. With travel insurance, you’ll receive immediate assistance to help you get a replacement passport and continue your trip with minimal stress.

Another common issue is delayed checked-in baggage. If you land at Piarco International Airport and your luggage doesn’t arrive on time, you can file a claim and receive a payout to purchase essentials like clothes and toiletries—so your adventure doesn’t skip a beat.

And that’s just the beginning. With IndusInd Travel Insurance (formerly Reliance Travel Insurance), you’re covered from takeoff to touchdown. Claims are easy to file through the IndusInd Self-i app—whether it’s a lost passport, medical emergency, or baggage delay, help is always just a tap away.

Why to - H2

Why 5 Crore+ Policyholders Choose Us?

Exploring Trinidad and Tobago should be all about unforgettable moments not unexpected expenses. IndusInd Trinidad and Tobago Travel Insurance (formerly Reliance Travel Insurance) offers affordable and dependable coverage designed to protect your journey every step of the way.

Location - Travel Insurance

$500,000 Coverage*

High Medical Coverage

24/7 Customer Support*

Get help anywhere in Trinidad And Tobago

99.57% Claims Settled*

Speedy claim processes

No Medical Check-ups*

Just apply, pay and download!

Benefits of Buying Trinidad and Tobago Travel Insurance

Cashless Medical Coverage

Trinidad and Tobago is a food lover’s paradise—from fresh seafood and Creole cuisine to tropical fruits and local delicacies. But if your stomach doesn’t agree or you fall ill, don’t worry. We offer cashless medical coverage up to USD 500,000 (and USD 500 for emergency dental treatments). Just show your policy at any certified hospital across Trinidad and Tobago, and we’ll handle the rest.

24/7 Emergency Cash Support

Lost your wallet while exploring Queen’s Park Savannah or hiking through Tobago’s lush rainforest? Don’t worry—we’ve got you covered. Our emergency cash assistance of up to USD 300 is available 24/7. Whether you need money for food, transport, or a safe stay, just give us a call and we’ll make sure help reaches you—so your trip stays stress-free.

Flight Delays & Connecting Flights

Airports like Piarco International and A.N.R. Robinson International can get busy, especially during peak travel seasons. If your flight is delayed by over 12 hours, you’ll receive up to USD 60 per day in compensation. This also applies to missed or rescheduled connecting flights within Trinidad and Tobago.

Lost Baggage Support

Imagine arriving in Scarborough, Tobago, but your luggage doesn’t. If your checked-in baggage is delayed over 12 hours, you’ll receive up to USD 100 to buy essentials. If your baggage is lost, we’ll compensate you up to USD 1,500—so you can continue your trip comfortably.

Personal Liability

Driving in Trinidad and Tobago—especially along winding coastal roads or through hilly terrain—can be challenging. If you accidentally damage a vehicle or property, our personal liability coverage of up to USD 200,000 protects you from unexpected expenses.

Loss of Passport

Whether you’re visiting Fort King George or enjoying water sports in Store Bay, losing your passport can be a hassle. We cover up to USD 300 to help you get a replacement, including reissue-related costs at Indian missions in Trinidad and Tobago.

Key Features

Key Features of IndusInd Trinidad And Tobago Insurance

Individual Travel Plan

IndusInd Trinidad and Tobago Travel Insurance offers comprehensive protection for your journey, covering a wide range of travel-related risks. Our individual travel plan is designed for solo travelers, ensuring peace of mind whether you're exploring the vibrant streets of Port of Spain, hiking the lush trails of Tobago’s rainforest, or discovering the cultural heritage of Scarborough.

Here are the key features and coverage limits that make this plan a smart choice for travelers heading to Trinidad and Tobago:

Key Features-Individual Travel Plan

Features	Popular Coverage (in USD)	Maximum Coverage (in USD)
Medical expenses	$100,000	$500,000
Personal liability	$100,000	$200,000
Personal accident	$20,000	$30,000
Total loss of baggage	$1,000	$1,500
Loss of passport	$300	$300
Delayed checked-in baggage	$100	$100
Trip delays	$25/day (Max of 6 Days)	$60/day (Max of 6 Days)
Dental treatment	$500	$500
Home burglary insurance	₹1,00,000	₹3,00,000
Compassionate visit	Return fare for a family member/doctor	Return fare for a family member/doctor

Family Travel Plan

Why buy 4 separate plans when you can buy one plan to cover your family of 4! Our family travel insurance plan offers coverage up to $250,000*, and this coverage is shared among all family members. This makes policy handling and claims processing a lot easier since you'll just be using one plan to cover your entire family during your trip.

Key Features-Family Travel Plan

Features	Popular Coverage (in USD)	Maximum Coverage (in USD)
Medical expenses	$100,000	$250,000
Personal liability	$100,000	$200,000
Personal accident	$15,000	$25,000
Total loss of baggage	$500	$1000
Loss of passport	$300	$300
Delayed checked-in baggage	$100	$100
Trip delays	$25/day (Max of 5 Days)	$50/day (Max of 7 Days)
Dental treatment	$500	$500
Home burglary insurance	₹1,00,000	₹1,00,000
Compassionate visit	Return fare for a family member/doctor	Return fare for a family member/doctor

This is disclaimer for the Table

Inlcusion Exclusion

IndusInd Trinidad And Tobago Insurance: Inclusions & Exclusions

Location - Travel Insurance

What is covered?

Emergency Care: Covers medical and dental treatment resulting directly from accidental injuries sustained during your trip.

Pre-existing Diseases: If a pre-existing condition becomes life-threatening while travelling, emergency treatment costs will be covered.

Third-Party Liability: If you accidentally injure someone or damage their property, we’ll cover the resulting medical or repair expenses.

Travel and Baggage Delay: Covers delays due to medical emergencies, bad weather, job loss or security issues. Baggage delays exceeding 12 hours are also covered.

Lost Passport: If your passport is lost or stolen during your trip, the plan helps cover the cost of getting you a replacement.

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What is not Covered?

Planned Treatment: Travelling to any Asian country solely for medical treatment, surgery or cosmetic procedures is not covered under the policy.

Undeclared Pre-existing Diseases: Medical emergencies related to pre-existing illnesses that were not disclosed before purchasing the plan will not be covered.

Pregnancy-Related Exclusion: If you are over 30 weeks pregnant, any expenses related to childbirth or associated complications during the trip are excluded.

Legal Violations: Costs arising from legal issues, including situations that result in your passport being seized by authorities, are not covered.

Negligence: Claims won’t be accepted for missed flights caused by personal delays or failure to carry necessary travel documents.

Disclaimer: Please refer to the official policy documents for detailed information linked here

Trinidad And Tobago trip booked?

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How to Buy?

How to Buy IndusInd Trinidad And Tobago Travel Insurance?

Purchasing IndusInd Trinidad and Tobago Travel Insurance is a simple and quick process. You can easily buy the policy online in just a few clicks before your trip. Just follow these steps:

Location Travel Insurance

Select Trip Type

Scroll up to the form on top and select your travel purpose.

Enter Your Details

Enter your travel dates, DOB and choose Trinidad And Tobago as your destination.

Compare & Select

For an instant quote pick your SI in calculator below and click "Compare Plans".

Complete KYC

Enter your phone number and complete the online KYC process.

Pay & Get Policy

Pay online and get your Trinidad And Tobago travel insurance plan instantly via email.

Homepage Curated Plans Client Extension

How to Claim?

How to Claim IndusInd Trinidad And Tobago Travel Insurance

Location Travel Insurance

Medical Claim

For medical claims, let us know via our helpline or email using your policy number.

Check if the hospital accepts cashless claims & submit the claim form.

IndusInd Care (previously Reliance Care) will review the claim and your documents.

Upon approval, we place a Guarantee of Pay (GoP) to the hospital.

If the hospital does not agree to the GoP, you can always file a reimbursement claim.

Travel Insurance

Location Travel Insurance

Non-Medical Claim

Get in touch via our helpline or email for luggage delays, trip cancellations, etc.

Complete the claim form and gather all other necessary documents.

You might need to submit a passport copy, flight tickets, emails from the airline or FIR.

IndusInd Care (previously Reliance Care) will review the claim to decide its approval.

After approval, the compensation or benefit amount will be disbursed to you.

Disclaimer: Please refer to the policy documents for complete claims related process

Types of Visas for Trinidad and Tobago

Tourist Entry

Best Seller

For leisure travel, sightseeing, or exploring Trinidad and Tobago’s iconic attractions—from Port of Spain’s Carnival and Maracas Bay to the Nylon Pool and Buccoo Reef in Tobago. Indian citizens do not need a pre-arranged visa. A Visitor’s Permit is issued free of cost on arrival. Valid for up to 90 days. Requires a valid passport (minimum 6 months), return ticket, proof of accommodation, and sufficient funds (approx. USD 100–150 per day).

Business Visit

Best Seller

For attending meetings, trade events, or business discussions in Trinidad and Tobago. No pre-arranged visa is required. A Visitor’s Permit is issued on arrival for up to 90 days. Requires a business invitation letter, return ticket, proof of accommodation, and financial documents. Employment is not permitted under this permit.

Student Entry

Best Seller

For short-term academic programs or educational workshops. Indian students must obtain a Visitor’s Permit on arrival. Requires an admission letter, proof of accommodation, return ticket, and financial means. For long-term studies, a special permit must be arranged through Trinidad and Tobago’s immigration authorities.

Work Permit

Best Seller

For employment or volunteering in Trinidad and Tobago. Requires a valid job offer and sponsorship from a Trinidadian employer. Must be approved by the Ministry of National Security before arrival. Issued for the contract period and includes eligibility for a residence permit. Not available on arrival.

Transit Entry

Best Seller

For travelers transiting through Trinidad and Tobago en route to another destination. A Visitor’s Permit is issued on arrival for short stays. Requires a valid passport, onward ticket, and destination visa (if applicable). Entry is permitted for transit purposes only and must be within the permitted stay duration.

Family Visit

Best Seller

For visiting family members residing in Trinidad and Tobago. Indian citizens can obtain a Visitor’s Permit on arrival. Requires passport, relationship proof, return ticket, accommodation details, and financial means. Valid for up to 90 days. Employment is not allowed under this permit.

Embassy Contact Details: India and Trinidad and Tobago

Location	Embassy of Trinidad and Tobago in India	Indian Embassy in Trinidad and Tobago
Location	New Delhi, India	Port of Spain, Trinidad and Tobago
Address	B3/26, Vasant Vihar, New Delhi – 110057	6, Victoria Avenue, P.O. Box 530, Port of Spain
Contact Number	+91 11 4600 7500 / Fax: +91 11 4600 7505	+1 868 235 7600 / +1 868 225 4340
Email Address	hcttndinfo@foreign.gov.tt / hcttndconsular@foreign.gov.tt	cons.pospain@mea.gov.in / hoc.pospain@mea.gov.in
Website	foreign.gov.tt/hcnewdelhi	www.hcipos.gov.in
Operating Days	Monday to Friday	Monday to Friday
Operating Hours	08:30 am – 04:00 pm	09:00 am – 05:30 pm

Reliance’s Heading Second Table

Reliance’s online set up helps ease the process of purchasing a health plan.

Features	Features	Features
Premium starting at	Premium starting at	Premium starting at

Best Time to Visit Trinidad and Tobago

Planning your trip to Trinidad and Tobago begins with choosing the right season to make the most of your experience. Here’s an overview of the best time to visit for everything from beach escapes and hiking to cultural festivals and Carnival celebrations.

December to April

What to Expect: This is Trinidad and Tobago’s dry season, with warm, sunny weather. Ideal for beach holidays, rainforest hikes, and attending major events like Trinidad Carnival in February.

Perfect for: Beach lovers, festival-goers, and first-time visitors.

Tourist Flow: High

Flights and Hotel Rates: Peak pricing, especially around Carnival and New Year

Return Airfare from India (Approx): ₹85,000–₹1,15,000*

Keep in Mind: Book well in advance Carnival season sees a surge in demand and prices.

May to August

What to Expect: Transition into the wet season with warm and humid conditions. Temperatures range from 27–32°C. Expect occasional showers, but also lush greenery.

Perfect for: Culture enthusiasts, nature lovers, and adventure seekers.

Tourist Flow: Moderate

Flights and Hotel Rates: Moderate pricing; good deals available outside of Carnival

Return Airfare from India (Approx): ₹75,000–₹1,05,000*

Keep in Mind: Rain is more frequent—pack light rain gear and plan indoor alternatives.

Sep to Nov

What to Expect: Peak of the rainy season with temperatures between 26–31°C. This is a great time for budget-friendly travel and enjoying the islands’ natural beauty in a quieter setting.

Perfect for: Budget travelers, wellness seekers, and off-season explorers.

Tourist Flow: Low to moderate

Flights and Hotel Rates: Lower rates except during Diwali and festive holidays

Return Airfare from India (Approx): ₹70,000–₹95,000*

Keep in Mind: Some outdoor activities may be affected by rain, but fewer crowds mean a more relaxed experience.

Interesting Facts About Trinidad and Tobago

Architectural Wonder – While Trinidad and Tobago are known for their natural beauty, colonial-era architecture, historic forts like Fort King George in Tobago, and colorful Creole-style homes add charm to cities.

Cultural Heritage – A vibrant blend of African, Indian, European, Chinese, and Indigenous influences shapes the islands’ culture. Experience it through calypso, soca, steelpan music, Carnival, Hosay.

Scenic Serenity – From the lush Main Ridge Forest Reserve (the oldest protected rainforest in the Western Hemisphere) to the Nylon Pool and Maracas Bay, the islands offer tranquil escapes.

Trinbagonian Cuisine – Known for its bold spices and multicultural fusion, local dishes include doubles, roti, callaloo, pelau, and bake and shark. Indian, African, and Creole flavors dominate the culinary scene.

Warm Hospitality – Trinbagonians are known for their friendliness, humor, and vibrant spirit. Expect warm welcomes in local markets, beach bars, and community festivals.

Natural Wonders – Home to the world’s largest natural asphalt lake (Pitch Lake), rare bioluminescent bays, and nesting grounds for leatherback turtles, the islands are rich in biodiversity and geological marvels.

Festivals & Traditions – Celebrate world-famous events like Trinidad Carnival, Divali Nagar, and Tobago’s Goat and Crab Races. These festivals showcase the islands’ deep-rooted traditions and joyful community spirit.

Adventure & Nature – Enjoy snorkeling at Buccoo Reef, hiking in the Northern Range, birdwatching in Caroni Swamp, or diving near the world’s largest brain coral in Tobago. A paradise for eco-tourism and adventure.

Independent Nation – Trinidad and Tobago gained independence from Britain in 1962. Today, it is a democratic republic with a strong economy driven by energy, culture, and tourism.

Modern & Historic Blend – The islands blend modern infrastructure with rich history. From bustling cities and industrial hubs to ancient Amerindian sites and colonial towns.

Essential Apps for Your Trinidad and Tobago Trip

Translation

English is the official language, but you may hear local dialects and Creole expressions. Apps like Google Translate, iTranslate, and SayHi can help with understanding local phrases or signs. Download the English and Caribbean Creole packs for offline use.

Accommodation and Hotel Booking

Top apps include Booking.com, Agoda, and Airbnb. For reviews and traveler tips, TripAdvisor is helpful. Trinidad and Tobago offer a range of stays—from beach resorts and eco-lodges to guesthouses and Carnival rentals. Visit VisitTrinidad.tt and VisitTobago.gov.tt for curated options.

Navigation

Google Maps works well in urban areas like Port of Spain and Scarborough. For offline navigation, Maps.me is a reliable alternative. These apps are useful for driving routes, hiking trails, and locating beaches, waterfalls, or cultural sites.

Transport

Public transport includes maxi taxis and buses, but schedules can be irregular. Use local ride-hailing apps like TT Rideshare for convenient travel. Google Maps helps with walking routes and locating ferry terminals for inter-island travel.

Sightseeing and Events

Apps like Klook, Viator, and GetYourGuide offer tours, nature excursions, and cultural experiences. For local events like Trinidad Carnival, Tobago Heritage Festival, or Divali Nagar, follow Visit Trinidad & Tobago on social media or check their official websites.

Food Delivery

In cities like Port of Spain and San Fernando, use apps like Food Drop TT or Skip D Line for food delivery. These apps offer a variety of local and international cuisine. TripAdvisor, Google Maps, and Instagram are great for discovering top-rated restaurants and street food.

Key Takeaways

Trinidad and Tobago continues to be a dream destination for Indian travellers, thanks to its pristine beaches, lush rainforests, and unforgettable experiences like snorkeling at Buccoo Reef or exploring the markets of Port of Spain.

But even short trips to Trinidad and Tobago can become stressful if issues like lost luggage or flight delays arise in an unfamiliar setting. That’s why it’s essential to insure your journey—no matter the destination. In fact, with 37% of flights experiencing delays globally in 2024, more Indian travellers are prioritising protection. Travelbizmonitor also reported an 18.95% surge in travel insurance sales in Q1 2025, supporting this growing trend.

And that’s where IndusInd Trinidad & Tobago Travel Insurance (formerly Reliance Travel Insurance) becomes your trusted travel companion. With our digital-first approach, you can download your travel insurance policy and save it to your phone using the IndusInd Self-i app, so help is always within reach.

With premiums starting at just ₹306*, you get reliable coverage that includes cashless medical expenses up to $500,000*, trip delay and flight cancellation benefits, lost passport assistance, and dedicated worldwide customer support.

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Reliance General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

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Frequently Added Questions (FAQs)

Will claim reimbursement be made in foreign currency?

No, all reimbursements are processed in Indian Rupees, based on the exchange rate applicable on the date of the incident or billing.

What should I do in case of lost passport or baggage?

File a police complaint at the local station and obtain a report. Also, inform the airline (for baggage loss) and file a PIR. These reports are needed for claim processing.

How do I track the status of my claim?

Claim status can be tracked via the Reliance customer portal or by contacting the claims assistance helpline with your reference number.

How long does it take to settle a claim?

If all documents are in order, most claims are settled within 10 to 15 working days. Complex cases may take slightly longer.

What is the time limit to report a claim?

Claims should be reported within 24–48 hours of the incident. Delay in notification may impact claim approval unless a valid reason is provided.

What documents are needed for a reimbursement claim?

You must submit the filled claim form, original hospital bills, medical reports, passport copy with visa stamps, boarding pass, and any other relevant documents.

What is Senior Citizen Travel Insurance?

Senior Citizen Travel Insurance is a specially designed policy that provides financial protection to individuals above 61 years of age when travelling abroad. It offers coverage for medical emergencies, hospitalisation, baggage loss, trip delays, and more, ensuring peace of mind during international travel.

Who is eligible for this policy?

Any Indian citizen aged 61 years and above can purchase this policy. It is suitable for both solo senior travellers and those travelling with family members.

Why is travel insurance important for senior citizens?

With advancing age, the risk of medical complications increases. This policy ensures that senior travellers are protected from high medical costs abroad, and provides additional coverage for travel-related contingencies like missed flights or lost baggage.

Is any medical test required before policy issuance?

A medical test may be required for applicants above a certain age or with disclosed health conditions. In most cases, a tele-underwriting process is followed to assess eligibility.

Can a family member buy the policy on behalf of a senior citizen?

Yes, a family member can assist with the purchase as long as accurate information is provided. The policy must still be issued in the name of the senior traveller.

Can the policy be purchased at the last minute?

Yes, the policy can be bought even on the day of travel, provided the trip hasn’t started. However, it is advisable to purchase the policy in advance to avoid last-minute technical issues.

Disclaimer:

*T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.

The total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued.

This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.

Product & Sum Insured: T&C Apply. Details mentioned here are for Reliance Travel Care Policy, UIN: RELTIOP08002V010708. Sum Insured: The mentioned Sum insured amount is applicable only under Reliance Travel Care Policy – Individual – Platinum Plan. Total loss of checked baggage: Maximum amount payable per checked-in baggage in case more than one bag has been checked in, is 50% (100% for only one checked-in baggage) of applicable sum insured and per item in baggage maximum 10%.

Premium - Asia & International: The premium mentioned is excluding taxes for a medical sum insured of $25,000 for an Individual of 20 years on an Asia trip of 4 days. This is applicable for Asia plan only.