Care Explore Travel Insurance

Care Health Insurance Company Limited is a joint venture between Religare Enterprises Limited, holding company of Union Bank of India, one of India’s leading diversified financial services group, and Corporation Bank, a leading public sector bank. Care is promoted by the founders of Fortis Hospitals, which owns or manages 68 hospitals in India; SRL Diagnostics, Asia’s largest network of diagnostic labs with over 1100 collection centers and Care Wellness, a nationwide chain of stores offering pharmacy and wellness products.

Toll Free - 1860-500-4488 / 1800-102-4488 Email: [email protected]

Care Explore is a comprehensive travel insurance plan that covers you against unexpected medical and financial emergencies while travelling abroad. The plans are region specific hence are low on cost and high in features. The policy offers protection against trip cancellation, hospitalization, loss of baggage, etc.

Unique Features of Care Explore Travel Insurance

Continent/Region specific plans hence low cost and relevant features.

Automatic doubling of sum insured in case of hospitalization​​

Pre Existing disease & OPD coverage

Cashless claim settlement.

No per ailment limit. No Upper age limit.

Double Sum Insured in case of hospitalization due to accident.

Eligibility Criteria for Care Explore Travel Insurance

Product benefits of care explore travel insurance, exclusions for care explore travel insurance.

  • Insured Person is traveling against the advice of a Physician; or is travelling for the purpose of obtaining treatment.
  • Any Pre-existing Condition or any complication arising from it
  • While under the influence of liquor or drugs.
  • Through deliberate or intentional, unlawful or criminal act, error, or omission.
  • Whilst participating as the driver, co-driver or passenger of a motor vehicle during motor racing or trial runs.
  • Any pre-existing injury or condition
  • Pregnancy except from ectopic pregnancy
  • Racing on wheels or horseback, winter sports, canoeing in white water rapids and bodily contact sports
  • Treatment rendered by a doctor who shares the same residence as the insured or who is a member of the insured persons family
  • Mental illness, stress, psychiatric or psychological disorders

What is not covered?

  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse.
  • War and Nuclear perils or consequences thereof
  • Ionising Radiation or contamination arising out of the same
  • Any intentional self-injury, suicide or attempted suicide
  • Any claim relating to hazardous activities
  • The insured being involved in Breach of taw

Claim Process for Care Explore Travel Insurance

Service provider is to be informed in each & every medical treatment. Non Intimation may invalidate the claim.

Service Provider details

USA (+1 844 209 1106) Toll Free Canada (+1 844 209 1107) Toll Free Any other country (+91 11 40608688) Call back facility Email Id: [email protected] Fax: (+91 11 41898801)

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The best travel insurance policies and providers

Katie Genter

It's easy to dismiss the value of travel insurance until you need it.

Many travelers have strong opinions about whether you should buy travel insurance . However, the purpose of this post isn't to determine whether it's worth investing in. Instead, it compares some of the top travel insurance providers and policies so you can determine which travel insurance option is best for you.

Of course, as the coronavirus remains an ongoing concern, it's important to understand whether travel insurance covers pandemics. Some policies will cover you if you're diagnosed with COVID-19 and have proof of illness from a doctor. Others will take coverage a step further, covering additional types of pandemic-related expenses and cancellations.

Know, though, that every policy will have exclusions and restrictions that may limit coverage. For example, fear of travel is generally not a covered reason for invoking trip cancellation or interruption coverage, while specific stipulations may apply to elevated travel warnings from the Centers for Disease Control and Prevention.

Interested in travel insurance? Visit to shop for plans that may fit your travel needs.

So, before buying a specific policy, you must understand the full terms and any special notices the insurer has about COVID-19. You may even want to buy the optional cancel for any reason add-on that's available for some comprehensive policies. While you'll pay more for that protection, it allows you to cancel your trip for any reason and still get some of your costs back. Note that this benefit is time-sensitive and has other eligibility requirements, so not all travelers will qualify.

In this guide, we'll review several policies from top travel insurance providers so you have a better understanding of your options before picking the policy and provider that best address your wants and needs.

The best travel insurance providers

To put together this list of the best travel insurance providers, a number of details were considered: favorable ratings from TPG Lounge members, the availability of details about policies and the claims process online, positive online ratings and the ability to purchase policies in most U.S. states. You can also search for options from these (and other) providers through an insurance comparison site like InsureMyTrip .

When comparing insurance providers, I priced out a single-trip policy for each provider for a $2,000, one-week vacation to Istanbul . I used my actual age and state of residence when obtaining quotes. As a result, you may see a different price — or even additional policies due to regulations for travel insurance varying from state to state — when getting a quote.

AIG Travel Guard

AIG Travel Guard receives many positive reviews from readers in the TPG Lounge who have filed claims with the company. AIG offers three plans online, which you can compare side by side, and the ability to examine sample policies. Here are three plans for my sample trip to Turkey.

religare explore travel insurance

AIG Travel Guard also offers an annual travel plan. This plan is priced at $259 per year for one Florida resident.

Additionally, AIG Travel Guard offers several other policies, including a single-trip policy without trip cancellation protection . See AIG Travel Guard's COVID-19 notification and COVID-19 advisory for current details regarding COVID-19 coverage.

Preexisting conditions

Typically, AIG Travel Guard wouldn't cover you for any loss or expense due to a preexisting medical condition that existed within 180 days of the coverage effective date. However, AIG Travel Guard may waive the preexisting medical condition exclusion on some plans if you meet the following conditions:

  • You purchase the plan within 15 days of your initial trip payment.
  • The amount of coverage you purchase equals all trip costs at the time of purchase. You must update your coverage to insure the costs of any subsequent arrangements that you add to your trip within 15 days of paying the travel supplier for these additional arrangements.
  • You must be medically able to travel when you purchase your plan.

Standout features

  • The Deluxe and Preferred plans allow you to purchase an upgrade that lets you cancel your trip for any reason. However, reimbursement under this coverage will not exceed 50% or 75% of your covered trip cost.
  • You can include one child (age 17 and younger) with each paying adult for no additional cost on most single-trip plans.
  • Other optional upgrades, including an adventure sports bundle, a baggage bundle, an inconvenience bundle, a pet bundle, a security bundle and a wedding bundle, are available on some policies. So, an AIG Travel Guard plan may be a good choice if you know you want extra coverage in specific areas.

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

Allianz is one of the most highly regarded providers in the TPG Lounge, and many readers found the claim process reasonable. Allianz offers many plans, including the following single-trip plans for my sample trip to Turkey.

religare explore travel insurance

If you travel frequently, it may make sense to purchase an annual multi-trip policy. For this plan, all of the maximum coverage amounts in the table below are per trip (except for the trip cancellation and trip interruption amounts, which are an aggregate limit per policy). Trips typically must last no more than 45 days, although some plans may cover trips of up to 90 days.

religare explore travel insurance

See Allianz's coverage alert for current information on COVID-19 coverage.

Most Allianz travel insurance plans may cover preexisting medical conditions if you meet particular requirements. For the OneTrip Premier, Prime and Basic plans, the requirements are as follows:

  • You purchased the policy within 14 days of the date of the first trip payment or deposit.
  • You were a U.S. resident when you purchased the policy.
  • You were medically able to travel when you purchased the policy.
  • On the policy purchase date, you insured the total, nonrefundable cost of your trip (including arrangements that will become nonrefundable or subject to cancellation penalties before your departure date). If you incur additional nonrefundable trip expenses after purchasing this policy, you must insure them within 14 days of their purchase.
  • Allianz offers reasonably priced annual policies for independent travelers and families who take multiple trips lasting up to 45 days (or 90 days for select plans) per year.
  • Some Allianz plans provide the option of receiving a flat reimbursement amount without receipts for trip delay and baggage delay claims. Of course, you can also submit receipts to get up to the maximum refund.
  • For emergency transportation coverage, you or someone on your behalf must contact Allianz, and Allianz must then make all transportation arrangements in advance. However, most Allianz policies provide an option if you cannot contact the company: Allianz will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

American Express Travel Insurance offers four different package plans and a build-your-own coverage option. You don't have to be an American Express cardholder to purchase this insurance. Here are the four package options for my sample weeklong trip to Turkey. Unlike some other providers, Amex won't ask for your travel destination on the initial quote (but will when you purchase the plan).

religare explore travel insurance

Amex's build-your-own coverage plan is unique because you can purchase just the coverage you need. For most types of protection, you can even select the coverage amount that works best for you.

religare explore travel insurance

The prices for the packages and the build-your-own plan don't increase for longer trips — as long as the trip cost remains constant. However, the emergency medical and dental benefit is only available for your first 60 days of travel.

Typically, Amex won't cover any loss you incur because of a preexisting medical condition that existed within 90 days of the coverage effective date. However, Amex may waive its preexisting-condition exclusion if you meet both of the following requirements:

  • You must be medically able to travel at the time you pay the policy premium.
  • You pay the policy premium within 14 days of making the first covered trip deposit.
  • Amex's build-your-own coverage option allows you to only purchase — and pay for — the coverage you need.
  • Coverage on long trips doesn't cost more than coverage for short trips, making this policy ideal for extended getaways. However, the emergency medical and dental benefit only covers your first 60 days of travel.
  • American Express Travel Insurance can protect travel expenses you purchase with Amex Membership Rewards points in the Pay with Points program (as well as travel expenses bought with cash, debit or credit). However, travel expenses bought with other types of points and miles aren't covered.

Purchase your policy here: American Express Travel Insurance .

GeoBlue is different from most other providers described in this piece because it only provides medical coverage while you're traveling internationally and does not offer benefits to protect the cost of your trip. There are many different policies. Some require you to have primary health insurance in the U.S. (although it doesn't need to be provided by Blue Cross Blue Shield), but all of them only offer coverage while traveling outside the U.S.

Two single-trip plans are available if you're traveling for six months or less. The Voyager Choice policy provides coverage (including medical services and medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger and already have a U.S. health insurance policy.

religare explore travel insurance

The Voyager Essential policy provides coverage (including medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger, regardless of whether they have primary health insurance.

religare explore travel insurance

In addition to these options, two multi-trip plans cover trips of up to 70 days each for one year. Both policies provide coverage (including medical services and medical evacuation for preexisting conditions) to travelers with primary health insurance.

religare explore travel insurance

Be sure to check out GeoBlue's COVID-19 notices before buying a plan.

Most GeoBlue policies explicitly cover sudden recurrences of preexisting conditions for medical services and medical evacuation.

  • GeoBlue can be an excellent option if you're mainly concerned about the medical side of travel insurance.
  • GeoBlue provides single-trip, multi-trip and long-term medical travel insurance policies for many different types of travel.

Purchase your policy here: GeoBlue .

IMG offers various travel medical insurance policies for travelers, as well as comprehensive travel insurance policies. For a single trip of 90 days or less, there are five policy types available for vacation or holiday travelers. Although you must enter your gender, males and females received the same quote for my one-week search.

religare explore travel insurance

You can purchase an annual multi-trip travel medical insurance plan. Some only cover trips lasting up to 30 or 45 days, but others provide coverage for longer trips.

religare explore travel insurance

See IMG's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Most plans may cover preexisting conditions under set parameters or up to specific amounts. For example, the iTravelInsured Travel LX travel insurance plan shown above may cover preexisting conditions if you purchase the insurance within 24 hours of making the final payment for your trip.

For the travel medical insurance plans shown above, preexisting conditions are covered for travelers younger than 70. However, coverage is capped based on your age and whether you have a primary health insurance policy.

  • Some annual multi-trip plans are modestly priced.
  • iTravelInsured Travel LX may offer optional cancel for any reason and interruption for any reason coverage, if eligible.

Purchase your policy here: IMG .

Travelex Insurance

Travelex offers three single-trip plans: Travel Basic, Travel Select and Travel America. However, only the Travel Basic and Travel Select plans would be applicable for my trip to Turkey.

religare explore travel insurance

See Travelex's COVID-19 coverage statement for coronavirus-specific information.

Typically, Travelex won't cover losses incurred because of a preexisting medical condition that existed within 60 days of the coverage effective date. However, the Travel Select plan may offer a preexisting condition exclusion waiver. To be eligible for this waiver, the insured traveler must meet all the following conditions:

  • You purchase the plan within 15 days of the initial trip payment.
  • The amount of coverage purchased equals all prepaid, nonrefundable payments or deposits applicable to the trip at the time of purchase. Additionally, you must insure the costs of any subsequent arrangements added to the same trip within 15 days of payment or deposit.
  • All insured individuals are medically able to travel when they pay the plan cost.
  • The trip cost does not exceed the maximum trip cost limit under trip cancellation as shown in the schedule per person (only applicable to trip cancellation, interruption and delay).
  • Travelex's Travel Select policy can cover trips lasting up to 364 days, which is longer than many single-trip policies.
  • Neither Travelex policy requires receipts for trip and baggage delay expenses less than $25.
  • For emergency evacuation coverage, you or someone on your behalf must contact Travelex and have Travelex make all transportation arrangements in advance. However, both Travelex policies provide an option if you cannot contact Travelex: Travelex will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Travelex Insurance .

Seven Corners

Seven Corners offers a wide variety of policies. Here are the policies that are most applicable to travelers on a single international trip.

religare explore travel insurance

Seven Corners also offers many other types of travel insurance, including an annual multi-trip plan. You can choose coverage for trips of up to 30, 45 or 60 days when purchasing an annual multi-trip plan.

religare explore travel insurance

See Seven Corner's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Typically, Seven Corners won't cover losses incurred because of a preexisting medical condition. However, the RoundTrip Choice plan offers a preexisting condition exclusion waiver. To be eligible for this waiver, you must meet all of the following conditions:

  • You buy this plan within 20 days of making your initial trip payment or deposit.
  • You or your travel companion are medically able and not disabled from travel when you pay for this plan or upgrade your plan.
  • You update the coverage to include the additional cost of subsequent travel arrangements within 15 days of paying your travel supplier for them.
  • Seven Corners offers the ability to purchase optional sports and golf equipment coverage. If purchased, this extra insurance will reimburse you for the cost of renting sports or golf equipment if yours is lost, stolen, damaged or delayed by a common carrier for six or more hours. However, Seven Corners must authorize the expenses in advance.
  • You can add cancel for any reason coverage or trip interruption for any reason coverage to RoundTrip plans. Although some other providers offer cancel for any reason coverage, trip interruption for any reason coverage is less common.
  • Seven Corners' RoundTrip Choice policy offers a political or security evacuation benefit that will transport you to the nearest safe place or your residence under specific conditions. You can also add optional event ticket registration fee protection to the RoundTrip Choice policy.

Purchase your policy here: Seven Corners .

World Nomads

World Nomads is popular with younger, active travelers because of its flexibility and adventure-activities coverage on the Explorer plan. Unlike many policies offered by other providers, you don't need to estimate prepaid costs when purchasing the insurance to have access to trip interruption and cancellation insurance.

World Nomads offers two single-trip plans.

religare explore travel insurance

World Nomads has a page dedicated to coronavirus coverage , so be sure to view it before buying a policy.

World Nomads won't cover losses incurred because of a preexisting medical condition (except emergency evacuation and repatriation of remains) that existed within 90 days of the coverage effective date. Unlike many other providers, World Nomads doesn't offer a waiver.

  • World Nomads' policies cover more adventure sports than most providers, so activities such as bungee jumping are included. The Explorer policy covers almost any adventure sport, including skydiving, stunt flying and caving. So, if you partake in adventure sports while traveling, the Explorer policy may be a good fit.
  • World Nomads' policies provide nonmedical evacuation coverage for transportation expenses if there is civil or political unrest in the country you are visiting. The coverage may also transport you home if there is an eligible natural disaster or a government expels you.

Purchase your policy here: World Nomads .

Other options for buying travel insurance

religare explore travel insurance

This guide details the policies of eight providers with the information available at the time of publication. There are many options when it comes to travel insurance, though. To compare different policies quickly, you can use a travel insurance aggregator like InsureMyTrip to search. Just note that these search engines won't show every policy and every provider, and you should still research the provided policies to ensure the coverage fits your trip and needs.

You can also purchase a plan through various membership associations, such as USAA, AAA or Costco. Typically, these organizations partner with a specific provider, so if you are a member of any of these associations, you may want to compare the policies offered through the organization with other policies to get the best coverage for your trip.

Related: Should you get travel insurance if you have credit card protection?

Is travel insurance worth getting?

Whether you should purchase travel insurance is a personal decision. Suppose you use a credit card that provides travel insurance for most of your expenses and have medical insurance that provides adequate coverage abroad. In that case, you may be covered enough on most trips to forgo purchasing travel insurance.

However, suppose your medical insurance won't cover you at your destination and you can't comfortably cover a sizable medical evacuation bill or last-minute flight home . In that case, you should consider purchasing travel insurance. If you travel frequently, buying an annual multi-trip policy may be worth it.

What is the best COVID-19 travel insurance?

religare explore travel insurance

There are various aspects to keep in mind in the age of COVID-19. Consider booking travel plans that are fully refundable or have modest change or cancellation fees so you don't need to worry about whether your policy will cover trip cancellation. This is important since many standard comprehensive insurance policies won't reimburse your insured expenses in the event of cancellation if it's related to the fear of traveling due to COVID-19.

However, if you book a nonrefundable trip and want to maintain the ability to get reimbursed (up to 75% of your insured costs) if you choose to cancel, you should consider buying a comprehensive travel insurance policy and then adding optional cancel for any reason protection. Just note that this benefit is time-sensitive and has eligibility requirements, so not all travelers will qualify.

Providers will often require CFAR purchasers insure the entire dollar amount of their travels to receive the coverage. Also, many CFAR policies mandate that you must cancel your plans and notify all travel suppliers at least 48 hours before your scheduled departure.

Likewise, if your primary health insurance won't cover you while on your trip, it's essential to consider whether medical expenses related to COVID-19 treatment are covered. You may also want to consider a MedJet medical transport membership if your trip is to a covered destination for coronavirus-related evacuation.

Ultimately, the best pandemic travel insurance policy will depend on your trip details, travel concerns and your willingness to self-insure. Just be sure to thoroughly read and understand any terms or exclusions before purchasing.

What are the different types of travel insurance?

religare explore travel insurance

Whether you purchase a comprehensive travel insurance policy or rely on the protections offered by select credit cards, you may have access to the following types of coverage:

  • Baggage delay protection may reimburse for essential items and clothing when a common carrier (such as an airline) fails to deliver your checked bag within a set time of your arrival at a destination. Typically, you may be reimbursed up to a particular amount per incident or per day.
  • Lost/damaged baggage protection may provide reimbursement to replace lost or damaged luggage and items inside that luggage. However, valuables and electronics usually have a relatively low maximum benefit.
  • Trip delay reimbursement may provide reimbursement for necessary items, food, lodging and sometimes transportation when you're delayed for a substantial time while traveling on a common carrier such as an airline. This insurance may be beneficial if weather issues (or other covered reasons for which the airline usually won't provide compensation) delay you.
  • Trip cancellation and interruption protection may provide reimbursement if you need to cancel or interrupt your trip for a covered reason, such as a death in your family or jury duty.
  • Medical evacuation insurance can arrange and pay for medical evacuation if deemed necessary by the insurance provider and a medical professional. This coverage can be particularly valuable if you're traveling to a region with subpar medical facilities.
  • Travel accident insurance may provide a payment to you or your beneficiary in the case of your death or dismemberment.
  • Emergency medical insurance may provide payment or reimburse you if you must seek medical care while traveling. Some plans only cover emergency medical care, but some also cover other types of medical care. You may need to pay a deductible or copay.
  • Rental car coverage may provide a collision damage waiver when renting a car. This waiver may reimburse for collision damage or theft up to a set amount. Some policies also cover loss-of-use charges assessed by the rental company and towing charges to take the vehicle to the nearest qualified repair facility. You generally need to decline the rental company's collision damage waiver or similar provision to be covered.

Should I buy travel health insurance?

religare explore travel insurance

If you purchase travel with credit cards that provide various trip protections, you may not see much need for additional travel insurance. However, you may still wonder whether you should buy travel medical insurance.

If your primary health insurance covers you on your trip, you may not need travel health insurance. Your domestic policy may not cover you outside the U.S., though, so it's worth calling the number on your health insurance card if you have coverage questions. If your primary health insurance wouldn't cover you, it's likely worth purchasing travel medical insurance. After all, as you can see above, travel medical insurance is often very modestly priced.

How much does travel insurance cost?

Travel insurance costs depend on various factors, including the provider, the type of coverage, your trip cost, your destination, your age, your residency and how many travelers you want to insure. That said, a standard travel insurance plan will generally set you back somewhere between 4% and 10% of your total trip cost. However, this can get lower for more basic protections or become even higher if you include add-ons like cancel for any reason protection.

The best way to determine how much travel insurance will cost is to price out your trip with a few providers discussed in the guide. Or, visit an insurance aggregator like InsureMyTrip to quickly compare options across multiple providers.

When and how to get travel insurance

religare explore travel insurance

For the most robust selection of available travel insurance benefits — including time-sensitive add-ons like CFAR protection and waivers of preexisting conditions for eligible travelers — you should ideally purchase travel insurance on the same day you make your first payment toward your trip.

However, many plans may still offer a preexisting conditions waiver for those who qualify if you buy your travel insurance within 14 to 21 days of your first trip expense or deposit (this time frame may vary by provider). If you don't need a preexisting conditions waiver or aren't interested in CFAR coverage, you can purchase travel insurance once your departure date nears.

You must purchase coverage before it's needed. Some travel medical plans are available for purchase after you have departed, but comprehensive plans that include medical coverage must be purchased before departing.

Additionally, you can't buy any medical coverage once you require medical attention. The same applies to all travel insurance coverage. Once you recognize the need, it's too late to protect your trip.

Once you've shopped around and decided upon the best travel insurance plan for your trip, you should be able to complete your purchase online. You'll usually be able to download your insurance card and the complete policy shortly after the transaction is complete.

Related: 7 times your credit card's travel insurance might not cover you

Bottom line

Not all travel insurance policies and providers are equal. Before buying a plan, read and understand the policy documents. By doing so, you can choose a plan that's appropriate for you and your trip — including the features that matter most to you.

For example, if you plan to go skiing or rock climbing, make sure the policy you buy doesn't contain exclusions for these activities. Likewise, if you're making two back-to-back trips during which you'll be returning home for a short time in between, be sure the plan doesn't terminate coverage at the end of your first trip.

If you're looking to cover a sudden recurrence of a preexisting condition, select a policy with a preexisting condition waiver and fulfill the requirements for the waiver. After all, buying insurance won't help if your policy doesn't cover your losses.

Disclaimer : This information is provided by IMT Services, LLC ( ), a licensed insurance producer (NPN: 5119217) and a member of the Tokio Marine HCC group of companies. IMT's services are only available in states where it is licensed to do business and the products provided through may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not create or modify any insurance policy terms in any way. For more information, please visit .

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11 Best Travel Insurance Companies in July 2024

Profile photo of Sean Cudahy

Sean Cudahy is a freelance reporter specializing in coverage of airlines, travel, loyalty programs and public policy. A journalist of nine years, Sean most recently served as a general assignment reporter at The Points Guy, following an eight-year run as a local television news reporter. He lives with his wife and their French Bulldog outside Raleigh, North Carolina.

Profile photo of Giselle M. Cancio

Giselle M. Cancio is an editor for the travel rewards team at NerdWallet. She has traveled to over 30 states and 20 countries, redeeming points and miles for almost a decade. She has over eight years of experience in journalism and content development across many topics.

She has juggled many roles in her career: writer, editor, social media manager, producer, on-camera host, videographer and photographer. She has been published in several media outlets and was selected to report from the 2016 Summer Olympics in Rio de Janeiro.

She frequents national parks and is on her way to checking all 30 Major League Baseball parks off her list. When she's not on a plane or planning her next trip, she's crafting, reading, playing board games, watching sports or trying new recipes.

She is based in Miami.

shop travel insurance for more peace of mind when booking vacations

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

If you don't have sufficient travel insurance coverage via your credit card , you can supplement your policies with third-party plans.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers.

Top credit cards with travel insurance


Best travel insurance overall: berkshire hathaway travel protection.


Berkshire Hathaway Travel Protection

  • ExactCare Value (basic) plan is among the least expensive we surveyed.
  • Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
  • Company may reimburse claimants faster than average, including possible same-day compensation.
  • Multiple "Trip Delay" coverage types might make claims confusing.
  • Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at nearly all plan levels. 

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance


Annual or single-trip policies are available.

  • Multiple types of insurance available.
  • All plans include access to a 24/7 assistance hotline.
  • More expensive than average.
  • CFAR upgrades are not available.
  • Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG


Travel Guard by AIG

  • Offers last-minute coverage.
  • Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
  • Plan available for business travelers.
  • Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
  • Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International


Travel Insured International

  • Higher-level plan include optional add-ons for event tickets and for electronic equipment
  • Rental car protection add-on for just $8 per day, even on lower-level plan.
  • Many of the customizations are only available on the higher-tier plan.
  • Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads


World Nomads

  • Travelers can extend coverage mid-trip.
  • The standard plan covers up to $300,000 in emergency evacuation costs.
  • Plans automatically cover 200+ adventurous activities.
  • No Cancel For Any Reason upgrades are available.
  • No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services


Travelex Insurance Services

  • Top-tier plan doesn’t break the bank and provides more customization opportunities.
  • Offers a plan specifically for domestic travel.
  • Sells a post-departure medical coverage plan.
  • Fewer customization opportunities on the Basic plan.
  • Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners


Seven Corners

  • Annual, medical-only and backpacker plans are available.
  • Cancel For Any Reason upgrade is available for the cheapest plan.
  • Cheapest plan also features a much less costly Interruption for Any Reason add-on.
  • Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

» Jump to the best cards with travel insurance

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG


  • Coverage available for adventure travelers.
  • Offers direct billing.
  • Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg


  • In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
  • Adventure sports-specific coverage is available.
  • Plans have overlap that can be hard to distinguish.
  • Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe


  • Covers up to $300 redepositing points and miles on eligible canceled award flights.
  • Optional add-on protection for business equipment or sports rentals.
  • Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance


HTH Travel Insurance

  • Covers travelers up to 95 years old.
  • Includes direct pay option so members can avoid having to pay up front for services.
  • A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
  • No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.


In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

religare explore travel insurance

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Care travel insurance

Get best quotes for care travel insurance online.

care Insurance

Key highlights of Care Travel Insurance

Care brings you a comprehensive travel insurance plan that curbs out the worries of uninvited troubles on your dream family holiday. Avail remarkable benefits like automatic policy extension and upgradation to business class during medical emergencies and much more with no sub-limits and fair premium charges on a per-day basis.

Care Health Insurance Company Limited is a specialist health insurer engaged in the distribution & servicing of health insurance products. Care Health Insurance is promoted by Care Enterprises Limited, a leading diversified financial services group based out of India; its other shareholders are Union Bank of India & Corporation Bank.

Care travel insurance India reviews

USD 50,000/1Lac/3Lac/5Lac

Download Brochure

Download Policy Wordings

* As per IRDAI report   |    ** As per NL25 data published on the Insurance Company website

Care Health Insurance Company Limited

Care Enterprises Limited, a new but enterprising financial services group offers a wide range of services including Broking, Insurance, Asset Management, Lending solutions, Investment Banking and Wealth Management. Operating out of 1650 locations and with more than a million customers already across all product, they occupy an enviable space in the financial services landscape. Union Bank, a leading public sector bank operates across 3500 locations and boast of 24 million customers till date and have been part of the banking space for the past 90 years offering cross industry financial solutions across their diversified asset portfolio. Corporation Bank on the hand is a Southern financial powerhouse of a bank with a 1700 branch footprint across India. Known for their prudent and conservative approach they are one of the pore profitable public sector banks.

Care is promoted by the founders of Fortis Healthcare, which owns or manages 54 healthcare facilities in India, Dubai & Mauritius; SRL Diagnostics, India’s largest diagnostics company with 306 networking laboratories, 6900 collection points and presence in Dubai, Sri Lanka & Nepal and the Fortis Healthworld chain of pharmacy and wellness stores. Their expertise in the spectrum of financial services, healthcare delivery and preventive health solutions, coupled with a robust distribution model, offers us a unique edge to deliver and excel in a business environment that is driven by serviceability & scale.

Care Travel is a relative new entrant in the Travel space having started to offer Travel products to the Indian traveller only in 2012. Since then they have grown their business successfully across the country. Their key products include:

Key features of Care Travel Insurance

  • Care Health Insurance Company Limited is a specialist health insurer engaged in the distribution & servicing of health insurance products including Travel Insurance. Care Health Insurance is promoted by Care Enterprises Limited, a leading diversified financial services group based out of India; its other shareholders are Union Bank of India & Corporation Bank.
  • One of the only insurance plans to offer coverage for Pre-existing conditions - covered upto 10% of Principal Sum Insured of Accident & Sickness Coverage for Pre-existing conditions, highest in the industry.
  • Age band covered from Day 1 (baby) which is a unique cover. There is also no upper age limitation under the Care travel insurance plans. Also all Care Travel Policies don't have per aliment limit capping.
  • Premium is calculated on Per day basis and not trip bands – this means that the traveller pays premium only for the actual number of days they have travelled.
  • Double SI in case of accident - Customer buying USD $50,000 cover will have coverage of USD $50,000 for any Sickness related treatment and upto USD $100,000 in case claim arising due to accident.
  • Treatment in home country (India) covered upto 30 days if the customer returns to India as per Doctor’s advice/recommendation post hospitalization abroad. Also, the traveller can Upgrade their return tickers to Business class travel in case of they are returning within 20 days of discharge from the hospital. These expenses will be covered under the Accident & Sickness limit.
  • Not merely covering the hospital bills, Care Travel insurance also provides daily allowances for the patient during their stay in the hospital. Such daily expenses for the patient may be transportation, meals, communication expenses and more.
  • Care international travel insurance covers the expense incurred for medical evacuation and transportation charges for the insured in case of the emergency medical requirement in any network hospitals that are close by.

Care international travel insurance Overview

Some of the unique key features in the care travel insurance plans are:.

  • Pre-existing covered upto 10% of Principal Sum Insured for Accident & Sickness Coverage
  • Age band covered from Day 1 (baby). There is no upper age limitation under the Care travel plans.
  • Per day rates – Premium calculated for actual days of travel i.e. Slab rates not applicable
  • Explore Europe, Explore Canada, Explore Gold & Explore - Platinum Plans are approved by all the Schengen consulates up to unlimited age cover without any restriction.
  • E- Travel Insurance Card comes with every policy issued instantly. This helps the customer in case of any accident/ immediate reference in case of emergency.
  • All Care Travel Policies don't have per aliment limit capping.
  • Customer can Upgrade their return tickers to Business class travel in case of they are returning within 20 days of discharge from the hospital
  • Treatment in home country covered upto 30days if the customer returns to India as per Doctor’s advice/recommendation post hospitalization abroad. This expense will be covered under the Accident & Sickness limit.

Explore Travel Plans – Worldwide Including & Excluding US & Canada

Sublimits applicable to gold plan only for insureds above 60 years of age, explore travel plans – asia, africa, europe and canada, below are the coverages of the explore plans of care travel.

  • Pre-existing disease cover: covers the emergency medical treatment with a proportion of Sum Insured (10%) towards any pre-existing medical conditions
  • Personal Accident: Covers any unfortunate situation arising out of an accident, death or permanent total disability, while you’re traveling abroad.
  • Loss of Passport: Covers expenses for the issue of a new or duplicate passport of the insured.
  • Up-gradation To Business Class: Compensates for up-gradation to business class for return air travel, in case of hospitalization of the insured.
  • Dental Expenses: Covers emergency dental expenses incurred in connection with any injury while on your trip.
  • Emergency Accident & Sickness Cover: Covers hospitalization for treatment if during your travel you are diagnosed with an illness or as the result of an accident, or any life threatening previous illness.
  • Common Carrier Accidental Death: Lump sum payment of Sum Insured in case of accidental death as a passenger on a common carrier/transport.
  • Daily Allowance in case of Hospitalization: In case of Hospitalization we even pay an extra specified amount per day of stay at the hospital to meet numerous incidental expenses such as attendant's meals, transportation and communication incurred etc.
  • 2-way Compassionate Visit: Covers transportation expenses for one immediate family member to travel to the insured's current location in the event of continuous hospitalization for 5 days of the insured. Similarly if an immediate family member is hospitalized for a continuous period of 5 days in India, the policy covers transportation expenses for the insured’s travel to and from India.
  • Compensation For Loss/Delay Of Checked-In Baggage : We cover expenses directly incurred as a result of your checked-in baggage that is lost while in custody of the Common Carrier. We also cover expenses directly incurred in case of a delay in receipt of the checked-in baggage beyond 12 consecutive hours.
  • Trip Delay/Trip Cancellation Coverage: We Cover expenses incurred if your departure is delayed beyond 12 consecutive hours due to specified reasons/issues.. We even cover expenses sustained by the insured, arising out of cancellation or interruption of the trip
  • Repatriation of Remains : Covers cost of repatriation of mortal remains to India.

Exclusions for Care Travel Policy

  • Traveling against the advice of a physician
  • Traveling with the specific purpose of receiving treatment in a foreign location
  • Any dental treatment or surgery unless it is necessitated due to an accident
  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse.
  • Charges as a result of Spectacles, Contact lenses, Hearing aid, Routine eye and ear examinations
  • War and Nuclear perils or consequences thereof.
  • Ionising Radiation or contamination arising out of the same.
  • Treatment of Congenital injuries or illness and treatment of anything related to birth defects
  • Degenerative or oncological(cancer) diseases
  • Non allopathic treatment
  • Any preventive care taken including vaccinations, immunisations etc
  • Any sporting activity which is in the nature of training or participation in competitions for professionals or semi professionals
  • Any intentional self-injury, suicide or attempted suicide.
  • Any claim relating to hazardous activities.
  • The insured being involved in Breach of taw.

Care Travel FAQ’s

Why should i buy travel insurance.

Travel Insurance provides protection to you and your loved ones if unfortunate things happen while travelling. Our travel insurance covers your lost baggage, flight cancellation, hospital expenses and many more.

Who can buy travel insurance?

Anyone! All Indian citizens can be covered by our travel insurance.

What is the minimum period for a trip to be insured?

Our Travel Plans provide coverage for travel trips as short as 2 days. Per day premium. Pay for the number of days you travel.

How can I claim? What documents are required to make claim?

  • Duly filled and signed Claim form A by Insurer and form B completed by hospital
  • Bills / Prescriptions / vouchers / reports / discharge summary, containing the name of the person treated
  • Copy of Passport of insured with entry and exit stamp
  • To claim loss of baggage, proof of value of articles required

What if I forgot to carry my travel insurance?

It is strongly suggested that you should carry your travel insurance while travelling. In case you forget, just ensure that you remember the policy number and customer ID to claim.

Can I cancel a policy?

IYes, you can cancel your policy. You just need to submit a copy of your passport that no travel has been undertaken. It is that easy!

What is medical evacuation?

Medical evacuation provides a transfer for you to the nearby hospital or medical care centre. This insurance covers all costs incurred for any medical emergency transportation and evacuation to transfer you to hospitals within our network.

What is Single and Multi-trip insurance?

Single trip Insurance: It stands valid for a single trip and is valid for pre-defined number of days. You can opt for a policy period of up to 365 days. Multi-trip Insurance: Go for a multi trip policy if you are a frequent flyer. There are two options to choose from – Multi Trip with maximum 45 days per trip Multi Trip with maximum 60 days per trip.

What is the duration for insurance cover?

For Single Trip: Insurance starts the moment you board the flight. For Multi-trips: It offers coverage of multiple trips taken by an individual in a period of one year. Coverage per trip can be 45 or 60 days.

Can I extend my overseas travel insurance?

Yes,Condition : Extension needs to be requested 10 days before the end date of policy. No extension requests will be entertained after policy end date. Maximum extension can be given for 180 days. However it is to be noted that the total duration of coverage including extension must not exceed 365 days.The policy can be extended for a maximum of 180 days. You need to call our assistance service provider to get the extension.

Can I buy travel insurance for my parents above 70 years of age?

Yes, we provide the visitors insurance for parents with no age limit for single trip. Maximum age limit is 70 years for multi trip.

Do I have to go for medical test to buy travel insurance?

No, there is no medical examination required to buy travel insurance.

Does this insurance cover my trip cancellation?

Pre-departure which reimburses trip cancellation due to natural disaster, traffic accident, illness, etc.

Is loss of passport covered?

Yes, passport loss is covered in our Travel Insurance policy. Moreover, the cost of procurement of a temporary passport is also covered.

Can I get refund if I cut short my travel?

In case you cut short your travel, your policy can be cancelled and premium will be refunded if difference Between the date of arrival of insured and end date of policy is 15 days or more. (Cancellation charges: Rs 300 would be deducted)

Do you provide financial assistance for travel insurance?

Yes, we provide 24X7 assistance duration of your trip. Please call our toll free numbers for any query: In USA : + 1 844 2091106 (Toll Free) In Canada : +1 844 209 1107 (Toll Free) From the rest of the world: +91 11 40608688(Call back facility) In India: 1800 102 4488(Toll Free and Accessible in India only) Fax: 18002006677 Email: [email protected].

Can I avail cashless facility for hospitalisation under travel insurance?

Yes, we offer cashless facility for hospitalization duration of your travel.

In case medical treatment is required, is there any need for pre-approval before hospitalization?

You will need to contact our Assistance Service Provider and they will arrange for cashless claims for the medical treatment. Toll free number is mentioned on the cashless health card shared with policy kit. One needs to inform the service provider of hospitalization at the time of admission..

Is Travel insurance mandatory for Schengen Visa?

Yes, it is mandatory to buy travel insurance before you apply for Schengen Visa. We have a plan specifically for your travels in Europe.

What are the available plans with Care?

Care International Travel Insurance provides coverage for Single and Multiple Trips to destinations all across the world with tailor-made plans for different geographies. We even provide flexibility in the sum-insured for those plans so that you can choose the plan that suits you the best.

What does 'Deductible' mean?

Deductible means the amount of a claim that has to be borne by the insured.

Does the traveler need to undergo a medical test before buying International travel insurance from Care Health Insurance Limited?

No. Care Travel Insurance does not require the traveler to undergo any medical test before purchasing its International travel insurance plans. Importantly, this is applicable to travelers of any age.

Why should a traveler buy the International Travel Insurance from Care Health Insurance?

  • Covers Medical Expenses, both for Accident & Sickness Hospitalization including coverage for Outpatient Care
  • Coverage for Personal Accident and Emergency Dental expenses - Double sum insured for Accidental Hospitalization
  • Offers Non medical benefits like Loss of Checked Baggage and Passport Loss
  • Coverage for any Interruption, Delay, or Cancellation of the trip for specified reasons

What is the traveler’s eligibility to purchase Travel Insurance from Care Health?

Before buying a travel insurance policy online, it is essential to know about the eligibility criteria as laid down by the insurance provider. The Travel Insurance Eligibility Criteria is as follows:

Travel Insurance Plans

  • The minimum entry age is one day
  • The minimum entry age of a proposer is 18 years or above
  • The maximum entry age for an adult is as specified in the plan

Eligibility Criteria

  • The minimum entry age is 12 years
  • The maximum entry age is 40 years.

Can one buy International Travel Insurance from Care Travel Insurance for their parents who are above 70 years of age?

Yes. One can buy a Single trip International Travel insurance for their elderly parents who are above the age of 70 years. The policy will cover various travel risks, including medical emergencies, personal accident, loss of passport, loss of baggage, trip cancellations, etc. The travel policy also covers any pre-existing illness that the policyholder was suffering from before getting the policy.

Is Travel Insurance Compulsory when Travelling Abroad?

In some countries, having a travel medical insurance is a pre-requisite for visa application. Opting for overseas travel insurance is crucial even if it is not mandatory since it can save you from a financial crisis and the stress of travelling. It covers emergency medical treatment costs and various unforeseen expenses incurred due to trip delays, loss of passport, etc.

Should I mandatorily carry my Care Travel Insurance policy during the trip?

Yes, one should make sure to carry your travel insurance policy with you during the trip. But in case you forget to carry it with you, you must remember your policy number and the customer ID to be able to make a claim. You can also email the Care Health Customer Support and ask them to share a duplicate policy copy for your reference.

Are pre-existing diseases covered by Care Travel Insurance’s Explore plan?

Yes. Explore from Care Travel Insurance covers any pre-existing diseases under life-threatening situations during the trip upto the limits specified under the policy. However, such diseases should be declared on the application form to the insurance company at the time of buying the policy.

Is Travel Insurance mandatory while applying for a Schengen visa?

Yes, the Schengen Visa Authorities mandatorily need the traveler to have an overseas travel insurance policy with a minimum Accident & Sickness Cover (Sum Insured) of EUR 30,000 in order to obtain a Schengen visa. This also has to be purchased from a Schengen approved travel insurer like Care Health Insurance.

Is it Possible to Cancel the Travel Insurance Policy midway?

Yes, one can cancel the travel insurance policy midway during their trip. Cancellation of the policy before the policy period end date is allowed in specific cases like denial of visa, cancellation of the trip for specific reasons, or early return to India, provided the insured traveler provides the necessary documentary proof. There will be a refund of the premium post deducting the cancellation charges, as per the terms and conditions of the policy.

Is it Possible to File a Travel Insurance Claim after under the policy returning to India?

Yes, it is possible to file a travel insurance reimbursement claim after returning to India, but within a period of atleast 30 days post return. Please note that the necessary claims documents need to be submitted and the reimbursement will be made within a maximum of 30 working days post submission of all claim related documents.

Does Care Travel Insurance cover the loss of Credit Cards/ Cash under their policies?

Yes, Care Health ‘s Explore Travel insurance plans cover any loss (subject to policy limits) of Personal Belongings belonging to the traveler due to robbery or theft. Since Credit Cards and Cash come under the category of Personal Belongings, their theft will be covered under the policy, provided the traveler can provide proof that they were carrying the cash and credit cards on them at the time of the incident.

How long does Care Health take to Settle a Travel Insurance Reimbursement Claim?

Care Health settles insurance claims within a maximum of 30 days of receipt of all necessary documents from the insured. An offer of settlement is made to the insured policyholder following which the payment is made within 7 days from the date of receipt of its acceptance by the policyholder.

Is Care Health the same company as Care Health Insurance?

Yes, Care Health Insurance ha now rebranded itself as Care Health Insurance effective from 1st September 2020. Care Health. The company is the Health Insurance arm of Care Enterprise Ltd. According to the company’s press release, the rebranding is aimed at further building on opportunities to deliver the best possible 'Care' to its consumers.

Can I Extend the Explore Travel Insurance Policy if I have already filed a Claim with the company?

Extension of the policy can be and should be done ideally 7 days before the expiry of the current policy period. The insured can request for extension of the policy online through the company website by entering your required details. Policy extension is possible if no claim is made for any accident or sickness hospitalization. If there are claims filed, the extension can be done subject to underwriting review.

What diseases are excluded from the insurance coverage?

Some of the Diseases Not Covered Under Health Insurance are listed below…kindly refer to the policy wordings (terms and conditions) for the complete list of exclusions:

  • Pre-existing Illnesses, unless in Life threatening situations
  • Self-Inflicted injury
  • Congenital Diseases/Genetic Disordered
  • Cosmetic Surgery
  • Health issues due to consumption of drugs, alcohol, and smoking
  • IVF and Infertility Treatments
  • Pregnancy or Maternity related Treatment
  • Voluntary Abortion

What does the insured do in the case of a claim?

In case of Claim, notify us immediately on any of the below touch-points for hassle free processing and speedy settlements.

In case of reimbursement of treatment expenses, reach us at the below touch points

Compare Care travel insurance with other popular companies

Get quotes for care travel insurance, india travel insurance blogs and articles, tips to find travel insurance.

Tips to find good and adequate international travel health insurance.

Health care cost comparison

Comparison of overseas Healthcare cost and popular tourist destinations.

How does travel insurance work

How to use visitor insurance in case of sudden sickness and accidents.

Care travel insurance useful links

How to buy online.

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT, RTGS, UPI or by using a cheque.

Already outside India

Travelers who have already traveled from India and do not have insurance can buy travel medical insurance after approval.

Online renewal

Insurance customers can renew their existing policy online before the exipry date at any time.

Claims & customer care

In case of a claim or reimbursement of treatment expenses, notify Care by contacting them.

Policy wordings

Kindly refer the Travel Policy Insurance Wordings for complete coverage details along with terms and conditions.

How are claims settled?

Are travel insurance directly billed or is it reimbursement basis, is there a hospital network.

Search for Care Travel Insurance

Resourceful indian travel insurance links, international travel insurance, indian travel insurance benefits, premium calculator, indian travel insurance faq.

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11 Best Travel Insurance in India 2023

BEST TRAVEL insurance in India (1)

You will find the list of best travel insurance companies in India, things to consider while buying travel insurance and the benefits of having travel insurance.

Table of Contents

Best Travel Insurance for the USA Travel

#1. icici lombard travel insurance.

icici lombard travel insurance

ICICI Lombard has 360 days of travel insurance, an initial 180 days of policy which can be extended further up to 180 days. The insurance covers for medical assistance and total loss of checked-in baggage including handbags.

ICICI Lombard travel insurance has a cashless hospitalization facility worldwide in tie-up with United Health International (UHI). UHI is the largest and most diverse healthcare companies in the USA.

For availing travel insurance ICICI Lombard does not require you to undergo any kind of medical test up to 85 years of age.

For US Travel, ICICI Lombard has two plans for various trip losses and medical expenses. In both plans, the medical covers are available for $50,000 to $5,00,000.

The policy does not cover

  • Any claim due to or arising out of pre-existing medical condition whether declared or undeclared
  • Sporting activities
  • Travel for naturopathy treatment, ayurvedic/homoeopathic therapies
  • Costs incurred relating to rest or recuperation at a spa or health resort

Best ICICI Lombard Travel Insurance Plans

  • ICICI Lombard Single Trip Platinum and Gold Plan
  • ICICI Lombard Multi-trip Plan
  • ICICI Lombard Senior Citizen Plan
  • ICICI Lombard Asia Plan
  • ICICI Lombard Schengen Plan

What I Liked

  • 360 days of extended travel insurance
  • NO medical test required up to 85 years of age.
  • Refund of part premium in case of no claim and there are more than 30 days to the expiry date

What I Didn’t Like

  • Pay premiums for a minimum of 1 week irrespective of the number of days of travel.
  • Sub limit of $100,000 per illness or accident (except for platinum plans)

#2. Religare Travel Insurance

religare travel insurance

Religare covers pre-existing ailments and also allocates a sum of 10% of the sum insured for treatment. Religare travel insurance provides double sum cover (up to $1000K) in case of accidental hospitalization.

The unique non-medical benefit is up-gradation to business class while returning after 5 days of hospitalization.

Best Religare Travel Insurance Plans

  • Religare Explore Gold Travel Insurance Plan for single and multi-trip
  • Religare Explore Platinum Travel Insurance Plan for single and multi-trip
  • Coverage for pre-existing ailments
  • Maximum trip duration of 365 days
  • Additional sum insured up to 100% for accidental hospitalization
  • No upper age limit
  • No Emergency Cash advance
  • No Hijack distress allowance
  • Various sub-limits for medical expenses

Cheapest Travel Insurance for Schengen Visa

#3. bharti axa travel insurance.

bharti axa travel insurance

Bharti AXA travel insurance has a worldwide presence in 130+ countries. Plus a 24 X 7 claim assistance and strong customer support through Bharti Assist Global for all insurance-related matters.

Bharti AXA does not require you to undergo any medical check-up to 70 years. You would get an option to choose from three Schengen travel insurance plans which cover all the 26 Schengen countries.

Schengen Product Plans

Medical expenses include repatriation and emergency medical evacuation.

Daily allowance in case of hospitalization is for a maximum of 7 days.

Compassionate visit – Round trip and stay expenses of the immediate family member to visit the insured if hospitalized for more than 7 consecutive days.

  • Cosmetic surgery
  • Performing professional and risky sports
  • Medical expenses due to unproven treatment
  • Treatment that could be delayed until return.

Bharti AXA Travel Insurance Plans

  • Bharti AXA Smart Traveller Worldwide Travel Insurance Policy
  • Bharti AXA Smart Traveller Schengen Travel Insurance
  • Bharti AXA Smart Traveller Annual Multi-trip Insurance
  • Bharti AXA Smart Traveller Single Trip Insurance

All the travel insurance plans are offered for individuals and families.

  • Worldwide presence and 24 x 7 global assistance
  • No Emergency Cash advance & Outpatient care cover
  • No Political risk and catastrophe evacuation

#4. Reliance Travel Insurance

Reliance travel insurance

Reliance travel insurance offers cashless hospitalization worldwide. The travel insurance is issued instantly with no medical checkup. However, Reliance does not cover claims arising out of non-disclosed and non-declared pre-existing medical conditions.

Benefits of Reliance Schengen Travel Insurance

Medical expenses include transportation, evacuation and repatriation of mortal remains.

In case of a total loss of checked-in baggage, the maximum amount payable per checked in baggage of the applicable sum insured

  • More than 1 bag – 50%
  • One checked in baggage – 100%
  • Per item in baggage – max 10%

Please note that the cover for the compassionate visit is applicable only when the insured is hospitalized for more than 7 consecutive days.

  • Claims arising out of non-disclosed and non-declared pre-existing medical conditions.
  • Expenses incurred if travelling against the advice of a physician, receiving or are on a waiting list for specified medical treatment.
  • In case loss of checked-in baggage, no partial loss or damage shall be payable

Best Reliance Travel Insurance Plans

  • Reliance Standard Travel Insurance Policy
  • Reliance Silver Travel Insurance Policy
  • Reliance Gold Travel Insurance Policy
  • Reliance Platinum Travel Insurance Policy

Reliance has specific travel insurance plans for students, senior citizens and frequent travellers.

  • Instant travel policy with no medical checkup.
  • Cashless hospitalization Worldwide
  • The minimum age for insurance – 3 months and maximum age – 90 years

What I Didn’t Liked

  • Does not cover for daily allowances in case of hospitalization
  • Travel baggage loss not covered

You may also like to read – Best term insurance in India

#5. Future Generali Travel Insurance

Future Generali travel insurance

Future Generali offers global travel protection with customized plans and 24 x 7 toll – free worldwide emergency assistance.

The customized travel insurance plans include a specially designed plan for travel to Asian countries (excluding Korea and Japan) and European countries on Schengen Visa.

Future Generali is the only insurer who provides medical advice over the phone and dispatches essential medicine that is not available locally.

The medical tests are waived off if there is no adverse health declaration on the proposal form. Future Generali allows for an automatic extension of the travel insurance for 7 days.

Travel Insurance Coverage

Medical expenses include medical evacuation and repatriation of remains.

In case of the loss of checked-in baggage the per baggage cover is maximum 50% and for per item maximum 10%.

  • Pre-existing diseases and complications
  • Pregnancy, resulting childbirth, miscarriage, abortion or complication arising out of any of the foregoing disease
  • Loss or damage to your passport as a result of the confiscation or detention by customs, police or any other authority

Best Future Generali Travel Insurance Plans

  • Future Generali Schengen and worldwide Travel Insurance
  • Future Generali Overseas Travel Insurance Plan
  • Future Generali Student Travel Insurance Plan
  • Automatic extension of the travel insurance for 7 days
  • Medical advice over the phone
  • Dispatches essential medicine that is not available locally.
  • Lower amount (EUR 50) for compassionate visit.
  • Accidental death (common carrier) and hospital allowance not covered

Best International Travel Insurance (Overseas)

#6. sbi general travel insurance.

SBI General travel insurance

SBI general insurance has medical cover up to $500,000. However, it covers only those medical expenses which are primarily in the nature of an emergency.

Further, SBI does not cover if you are travelling against medical advice or have a pre-medical condition or are travelling to get involved in adventure sports.

The insurer provides a free automatic extension for 7 days for delays due to public transport services. Further, the extension of travel insurance is permissible for a maximum of 180 days with a condition that the overall trip duration is not more than 270 days.

SBI is the only insurer with unique cover paying for a Bail bond and for Golfers hole-in-one.

  • Any claim where the insured person is travelling against the advice of a Physician or is receiving or waiting to receive treatment
  • No claim is admissible if arising from war, hostilities and situations of military or usurped power.
  • No claim is paid arising from participation in winter sports, mountaineering, riding or driving in races, caving or potholing, hunting, skew diving or for underwater activities, rafting or canoeing, yachting or boating outside coastal waters.
  • SBI travel insurance also does not cover for participation in professional or other hazardous sports unless specifically covered as an extension of the policy.
  • The insurance policy does not cover medical expenses arising out of a pre-existing disease.

Best SBI General Travel Insurance Plans

  • SBI General’s Travel Insurance Policy for business and holiday
  • Automatic extension for 7 days
  • Travel insurance also has cover for a bail bond
  • $200K personal liability cover
  • Does not have separate insurance for dental treatment and accidental death (common carrier)
  • No compassionate visit and return of minor child coverage

#7. TATA AIG Travel Insurance

religare explore travel insurance

TATA AIG travel insurance is the only insurer which pays you for the unauthorized usage of a lost payment card, up to 12 hours of reporting.

The insurer does not cover pre-existing conditions or any complications arising from it. In a life-saving unforeseen emergency condition, TATA AIG would reimburse up to $1500 per policy.

The insurance plan also covers bounced bookings of hotels and airlines.

However, TATA AIG has various sub-limits for medical expenses for persons aged 56 years and above. Like max $10,000 for surgery, max $400 for an ambulance, max $3000 per day for up to 7 days for ICU, etc.

TATA AIG waives off the above sub-limits on paying an additional premium.

The medical expense includes medical evacuation and repatriation of remains. In the case of hijack, the maximum cover is of $500.

In the case of flight delays, the maximum cover is of $100.

  • When the person is travelling against physician advice or is travelling to obtain treatment
  • Any pre-existing conditions

Best TATA AIG General Travel Insurance Plans

  • TATA AIG Travel Guard Silver Insurance Policy
  • TATA AIG Travel Guard Silver Plus Insurance Policy
  • TATA AIG Travel Guard Gold Insurance Policy
  • TATA AIG Travel Guard Platinum Insurance Policy

Tata AIG has travel insurance plans for students and Senior citizens, for Asia travel and domestic travel.

  • Up to $500K of personal liability cover
  • $2000 covers for fraudulent charges on the payment card
  • Cover for bounced airline and hotel booking
  • No separate cover for a compassionate visit
  • Various sub-limits for medical expenses for persons aged 56 years and above.

#8. IFFCO Tokio Travel Insurance

IFFCO Tokio travel insurance

The best thing about buying travel insurance from IFFCO Tokio is that you can pay through cards, net banking and even Paytm wallet.

The insurer provides 20 days of hospitalization allowances which are highest in terms of the number of days covered. However, IFFCO Tokio does not cover pre medical conditions.

Hospital daily allowance is for 20 days

  • Traveling against the advice of a physician or traveling for treatments
  • Pre-existing medical conditions
  • Damages to checked-in baggage
  • Losses related to participation in high-risk sports or training involving un-professional trainers.

Best IFFCO Tokio General Travel Insurance Plans

  • IFFCO Tokio Gold 500 Travel Insurance Policy
  • IFFCO Tokio Gold 250 Travel Insurance Policy
  • IFFCO Tokio Gold 100 Travel Insurance Policy
  • IFFCO Tokio Silver Travel Insurance Policy
  • IFFCO Tokio Bronze Travel Insurance Policy
  • 20 days of hospitalization allowances
  • Payment for buying a policy can be done through Paytm.
  • No cover for flight delays, trip cancellation and missed flights
  • Hijack allowance and financial emergency assistance only with Gold 500 plan

#9. HDFC Ergo Travel Insurance

HDFC ERGO Insurance

HDFC Ergo travel insurance has a wide range of travel insurance policies covering medical expenses for $30,000 to $500,000.

HDFC Ergo covers 8 Lac+ cashless hospital network worldwide and has partnered with Allianz Worldwide for travel assistance.

Is the only insurer with contingency travel benefits of up to $3000.

Please note that the medical expenses includes medical evacuation and repatriation. Hospital cash cover is maximum $150.

Further, the hijack allowances are maximum of $525 for Titanium & Platinum and $450 for other categories. Plus flight delay cover is maximum of $120.

  • Pre-existing illness or ailments mentioned in the health report.
  • Traveling against the advice of a physician or for obtaining treatment
  • Dangerous sports
  • Pregnancy resulting childbirth, miscarriage abortion or any other complication
  • Children below the age of 5 years are not covered for diseases like mumps, chickenpox, measles, whooping cough, meningitis, etc.

Best HDFC Ergo General Travel Insurance Plans

  • HDFC Ergo Titanium Travel Insurance Plans
  • HDFC Ergo Platinum Travel Insurance Plans
  • HDFC Ergo Gold Travel Insurance Plans
  • HDFC Ergo Silver Travel Insurance Plans
  • HDFC Ergo Bronze Travel Insurance Plans
  • Contingency travel benefits up to $3000
  • Up to 200K of personal liability
  • Sub-limits for medical expenses for persons in the age group 61 to 70 years
  • No cover for the compassionate visit

#10. Bajaj Allianz Travel Insurance

Bajaj Allianz travel insurance

Bajaj Allianz is the only insurer with unique Travel Ezee automatic claim settlement services.

Where instead of individuals initiating any claim, Bajaj Allianz itself, tracks certain claim event like the delay of flights then informs the person and credits claim amount.

The medical expense includes medical evacuation and repatriation of remains except for Maximum plan where repatriation cover is for $6500.

  • Travelling against the advice of a physician or for obtaining treatment

Best Bajaj Allianz Travel Insurance Plans

  • Bajaj Allianz Travel companion Insurance with three Plans – Travel care, Travel secure and Travel value.
  • Bajaj Allianz Travel Elite Insurance with three Plans – SIlver, Gold and Platinum
  • Bajaj Allianz Travel Prime Insurance with five Plans
  • Travel Ezee automatic claim settlement services
  • Highest medical expenses cover of 10 Lac USD in Maximum Travel Prime plan.
  • No cover for compassionate travel.

Best Domestic Travel Insurance in India

#11. apollo munich travel insurance.

Apollo Munich travel insurance

The best part of Apollo Munich is a cashless benefit of pan India Apollo hospital and Apollo pharmacy networks in case of medical assistance while travelling abroad.

  • Treatment of any illness even if caused by accidents, unless necessitated to maintain life and relieve pain.
  • Dental treatment unless necessitated by an accident
  • Partial loss of checked in baggage
  • Any pre-existing condition declared or not declared or any complication arising from it.

Best Apollo Munich Travel Insurance Plans

  • Apollo Munich Easy Domestic Travel Insurance
  • Access to a network of Apollo hospitals and Apollo pharmacy.
  • Rs. 5 Lac of Personal accident cover
  • Pre-existing medical conditions not covered

10 Benefits of Travel Insurance

#1. medical expenses (accident or sickness).

Travel insurance covers expenses for medical assistance and hospitalization that will be helpful in case of sudden illness or injury on a trip abroad.

#2. Personal Accident Cover

Travel insurance compensates medical expenses in the event an accident that results in death or permanent disability.

#3. Baggage Loss or Delay

Travel insurance bears the approximate cost of goods if the checked-in baggage is lost by the airline. The cover commences from the time the check-in baggage is handed to the airlines and ends when you collect the bag at the airport.

The insurer pays you a fixed allowance in case of delay in receipt of check-in baggage. The delay should be for more than 6 hours for domestic and 12 hours for the international location from the arrival of the plane.

#4. Trip Delay or Cancellation

Under travel insurance, the insurer reimburses the expenses incurred if the trip is delayed for more than 8 hours re-scheduling of flights.

The cancellation covers official cancellation charges and additional transportation expenses incurred for returning back to India. Cancellation can be due to natural peril, death or hospitalization of the person insured or of an immediate family member.

#5. Passport Loss

The insurance company reimburses the actual expenses incurred for obtaining a duplicate or the fresh passport.

#6. Emergency Medical Evacuation

You get cover for the cost incurred for an ambulance or any other emergency transportation in case of illness or injury on a trip abroad.

#7. Missed Connecting Flights

Covers in case of failure to access the connecting flight, arising due to delayed arrival of the earlier flight. This can be due to reasons beyond the control of the person insured.

#8. Emergency Cash Advances

Covers financial emergency due to accidental loss of money during the trip. The insurance is in the form of a fixed daily allowance.

#9. Repatriation of Mortal Remains

In case of unfortunate death, the travel insurance covers the cost of transporting the dead body back to the country of residence. The insurance also covers the amount equivalent to a local burial or cremation where the death has occurred.

#10. Compassionate Visit

The insurance covers the cost for the visit of an immediate family member in the event of being hospitalized for more than 5 days.

Things You Should Consider While Buying Travel Insurance

#1. covers for pre-existing medical conditions.

Disclosing pre-existing is helpful while taking travel insurance.

So if you or any member of the family is looking for a foreign trip on a pre-existing medical condition check the insurer who has coverage for specific medical conditions.

#2. Limits on Trip Duration

One should know the travel need like a single visit or a frequent visit. Also travelling solo or with the family affects the insurance requirements.

Travel insurance policies are of three types

  • Single Trip travel insurance for occasional travel with less than 6 months of coverage.
  • Multi-trip travel insurance for frequent visit. The policy gives an annual cover and premiums are higher and are required to be paid each year. However, under a multi-trip plan, every single trip is capped at 30 to 90 days of the visit.
  • Family travel insurance is a floater policy having the benefit of global travel insurance for the entire family.

#3. Level of Cover for Adventure Activity

This is especially important if you are going to take part in adventure sports such as sky diving, bungee jumping, river rafting or scuba diving while travelling abroad.

Check for travel insurance which covers for such activities. Certain insurers may clearly exclude such activity or may charge an additional premium.

#4. Individual Claim Limits

Certain claims have predefined amount limits like loss of baggage, wallet, missed flights and cancelled flights.

Do check individual payout limits for each item separately. If required you can avail separate insurance for those items.

#5. Cover for Loss of Personal Belongings

The insurer expects that you take proper care of your belongings and thus covers only accidental losses and theft. In the case of negligence, the insurer may refuse the claim.

#6. Travel Destinations

The different destination has a different level of perceived risk and hospitalization costs. Like healthcare is costly in the USA, UK and Australia compared to countries in the middle east or southeast region requiring larger insurance amount. Requiring you to pay a higher premium.

Likewise, if you are travelling to destinations prone to natural disasters or socio-political volatilities, then a higher premium is charged.

Do remember to check the excluded destinations. Yes, insurers do not cover all foreign locations under travel insurance.

#7. Background of the Insurance Company

Before finalizing the travel insurance do check the solvency of the insurer. Also, consider insurance company who can provide additional benefits in terms of free support in a foreign country and free cover for children, etc.

When Should You Buy the Best Travel Insurance in India

For regular domestic travel to cities, you may not require travel insurance.

But when you are travelling to a hill station or engaging in risky adventure sports like hiking, scuba diving, skydiving, bungee jumping or trekking then surely you need to buy travel insurance irrespective of whether you are travelling in India or abroad.

The few occasions where you can think of skipping travel insurance are

  • When your premium credit card offers travel insurance or specific travel coverage
  • If the airline covers loss of baggage, delayed arrival, flight or trip cancellation
  • If you have a global  healthcare insurance plan  to bear all the medical expenses.

All the plans have some unique offerings if I had to pick then I would have purchased TATA AIG travel insurance plans.

Reason being that it also gives $2000 covers for fraudulent charges on payment card which is valuable in case of card getting compromised while abroad.

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Best travel insurance in India

Travel insurance covers medical emergencies, trip cancellations, lost luggage and other issues, providing financial protection and peace of mind for travellers..

Planning trips and vacations is an essential escape from the daily grind of life, offering a chance to rejuvenate and explore new horizons. However, ensuring your safety during travel should be your foremost priority. Whether you're heading to India or any other destination, taking precautions against potential risks is crucial.

Best travel insurance in India: Check out the leading companies that provide travel insurance in India.(Pexels)

One of the smartest precautions you can take is investing in travel insurance. Before you buy, understanding what travel insurance entails and comparing policies from different providers can empower you to make a well-informed decision.

What exactly is travel insurance?

Travel insurance is your safety net in unforeseen circumstances while travelling. It provides financial coverage for medical emergencies, flight cancellations, lost baggage, and other travel-related risks. Depending on the policy, you can also opt for additional coverage through premium add-ons.

Which is the best travel insurance in India?

When planning your travels, ensuring financial protection with adequate travel insurance is paramount, especially for unforeseen circumstances. Several reputable companies offer comprehensive travel insurance plans in India.

Tata AIG Travel Insurance: It provides both single-trip and multi-trip policies tailored for international travel. Their coverage includes medical insurance, crucial in emergencies, and features such as Covid-19 coverage and robust cancellation benefits, ensuring you're safeguarded against unexpected disruptions.

Religare Travel Insurance: The insurance stands out with comprehensive medical coverage and cancellation benefits. Additionally, their unique inclusion of home burglary insurance coverage adds an extra layer of security for your belongings while you're away.

Apollo Munich Travel Insurance: This travel insurance caters to individuals, families, and senior citizens with options like annual multi-trip plans. They offer extensive medical coverage, including provisions for trip cancellations and reimbursement for lost luggage, addressing various travel-related contingencies effectively. HDFC ERGO Travel Insurance: It offers robust coverage for theft and luggage loss alongside essential medical coverage. They also provide emergency dental expense coverage and a daily cash allowance during critical situations, ensuring you have necessary support throughout your journey.

Bajaj Allianz Travel Insurance: It covers a wide array of scenarios including medical emergencies, Covid-19 related issues, and cancellations. Their policy extends to travel via public and private transportation, ensuring comprehensive protection across different travel modes. ACKO Travel Insurance: The insurance plan offers a seamless experience with its instant policy purchase through a digital platform. It is designed to be budget-friendly while ensuring quick claim settlement and zero out-of-pocket costs. The plan provides flexibility with various sum insured options to cater to different needs. With round-the-clock assistance, ACKO ensures support is available whenever required, making it a reliable choice for travellers seeking comprehensive coverage with convenience.

Each of these insurance providers offers distinct benefits, allowing you to choose a plan that best aligns with your travel needs and provides peace of mind during your trips abroad. It's advisable to carefully review the specific coverage and limits of each policy to select the one that suits you best.

Also read: Insurance coverage for train travel: Claim rules & process during accident

Why should you never travel without insurance?

Embarking on a journey? Don’t forget your travel insurance! It’s not just a piece of paper – it’s your safety net against the unexpected twists and turns that can derail your trip. Here’s why savvy travellers swear by it:

1. Healthcare security : Picture this – you’re abroad, and suddenly you fall ill or get injured. Medical bills start piling up. With travel insurance, your expenses are covered, from doctor visits to emergency surgeries. That peace of mind? Priceless.

2. Guard against mishaps : Lost baggage, stolen passports, or misplaced documents can turn your dream vacation into a nightmare. Travel insurance swoops in to cover the costs and hassle, so you can focus on making memories, not replacements.

3. Trip interruptions? No problem : Sometimes, life throws curveballs – flights get cancelled, or plans change due to unforeseen circumstances like weather or strikes. Your insurance cushions the blow, reimbursing you for missed connections or cancelled reservations.

4. Safety in unfamiliar terrain : Let’s face it – theft happens, especially in unfamiliar places. If you’re targeted abroad, your travel insurance steps up, compensating you for stolen belongings and helping you get back on your feet.

Also read: 7 key factors to consider while choosing the best travel insurance

How to choose the best travel insurance in India? Choosing the best travel insurance in India involves considering several critical factors to ensure comprehensive coverage and financial protection during your trip. Here’s a combined list based on the factors mentioned:

1. Medical coverage : Look for a plan that covers medical expenses comprehensively, including emergency medical transportation and hospitalisation. This is crucial as healthcare costs can escalate quickly without adequate coverage.

2. Trip cancellation and interruption : Make sure your insurance covers trip cancellation and interruption to safeguard your investment in case unexpected events require you to cancel or shorten your trip.

3. Coverage limits : Check the coverage limits of the insurance policy. Ensure they meet your specific needs, especially if you plan to engage in adventurous activities or visit remote areas with limited medical facilities.

4. Additional benefits : Consider additional benefits such as coverage for lost baggage, flight/train delays, and emergency evacuation. These extras can be invaluable in case of travel disruptions.

5. Sum insured : Opt for a plan with a sufficient sum insured based on your travel destination, duration, and estimated expenses.

6. Comparison : Compare multiple travel insurance plans to understand their costs, coverage benefits, and exclusions. This helps you find the best balance between affordability and coverage.

7. Online purchase : Buy travel insurance online after researching the insurer’s claim settlement ratio, customer feedback, and reviews. Online platforms often provide transparency and ease of purchase.

8. Deductibles and caps : Look for policies with minimal deductibles and caps to maximise your benefits during a claim.

9. Pre-existing conditions : Declare any pre-existing medical conditions to ensure they are covered under the insurance policy. Failure to disclose such conditions could lead to claim rejections.

10. Research and reviews : Read reviews and gather feedback from other travellers to assess the reliability and responsiveness of the insurance provider in handling claims and providing assistance during emergencies.

Also read: Is travel insurance mandatory for Schengen visa? Here's all you need to know

By considering these factors collectively, you can make a well-informed decision and choose travel insurance that suits your specific needs and offers peace of mind during your travels from India.

Disclaimer: At Hindustan Times, we help you stay up-to-date with the latest trends and products. Hindustan Times has an affiliate partnership, so we may get a part of the revenue when you make a purchase. We shall not be liable for any claim under applicable laws, including but not limited to the Consumer Protection Act, 2019, with respect to the products. The products listed in this article are in no particular order of priority.

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  1. Religare Travel Insurance EXPLORE_SS Advisory Services

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