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About ERGO Reiseversicherung

Welcome to ERGO Travel Insurance

Travel insurance.

Our products cover risks for all types of travel. Travel cancellation insurance, medical travel insurance or multi-cover packages. Find your perfect cover here.

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ERGO Reiseversicherung AG

ERGO Reiseversicherung: specialising in keeping travellers safe

ERGO Reiseversicherung AG is the ERGO Insurance Group's travel-protection specialist, and therefore belongs to Munich Re, one of the world’s leading reinsurers and risk carriers.

Market leadership – more peace of mind when travelling ERGO Reiseversicherung has been writing travel insurance history for over 110 years. Today ERGO Reiseversicherung is the German market leader in this segment and as one of the leading providers of travel insurance is now represented in over 20 countries world-wide. With its international network, ERGO Reiseversicherung guarantees its customers optimum support before, during and after their trip. Besides its competence as a travel insurer, ERGO Reiseversicherung sees itself as an innovative service provider.

Vacation in Germany - properly insured between the North Sea and the Alps. We offer some special products for travel inside Germany, in which trips of up to 48 hours into bordering countries are also insured.

Insure foreign guests adequately. You can insure foreign guests who are visiting Germany with our Incoming-insurance. With ERGO Reiseversicherung travel insurance, every guest is not only warmly welcomed, but also feels safe during his trip.

More information about ERGO Reiseversicherung: www.ergo-reiseversicherung.de

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Everything you need for your visa.

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" Coracles customer service is AMAZING. I get swift replies, my requests are answered promptly, my block amount confirmation was given in under 24 hrs. I changed my Travel insurance date multiple times and every time it was processed by Coracle very swiftly. Moreover, customer support's friendly mode of communication is cherry on top. I'll definitely recommend it to my friends visiting Germany next semester. Kind Regards, Hamza :) "

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" I am happy and satisfied with the service of coracle. As a student I choose the coracle Prime pack as it provide free travel insurance, health insurance and blocked account in 59 euros. They responds quickly to enquiry mails and gave me upto date information about the documents that needed and to be uploaded for unblocking account. As soon as I got necessary documents I uploaded it using my login credentials provided by them. It was easy and quick and within seconds, got the confirmation email from coracle team and also from my health insurance provider. "

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2. They have really good customer service. They respond to the million emails you send them.

3. Most economical option from all blocked account services. No hidden fees."

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" Switched to Coracle as they have quick responding Staffs and is very efficient on the whole process. I need urgently to open a block account for renewing my Germany visa. Coracle greatly eased my panic that time... A good choice to open a block account!"

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" Coracle made my life easier. I am so happy with the services provided by Coracle. They are efficient, don't make additional charges, and always answer very quickly to inquires. My payments are made on time every month, and the insurance service was easy to hire. "

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Secure your overseas trip with Travel Medical Insurance

Get your Travel Medical Insurance with COVID-19 coverage from reputed global insurers for travel in the new normal.

Travelling from*

• South Korea
• Afghanistan
• Aland Islands
• Antigua Barbuda
• Ascension and Tristan da Cunha
• Bosnia & Herzegovina
• Burkina Faso
• Cape Verde Islands
• Cayman Islands
• Central African Republic
• Christmas Islands
• Cocos Islands
• The Democratic Republic of the Congo
• Czech Republic
• Dominican Republic
• El Salvador
• Equatorial Guinea
• French Polynesia
• Guinea Bissau
• British Indian Ocean Territory
• British Virgin Islands
• Caribbran Netherlands
• Ivory Coast
• Faroe Islands
• French Guiana
• Liechtenstein
• Marshall Islands
• Saint Barthelemy
• Saint Kitts Nevis
• Saint Martin
• Saint Pierre and Miquelon
• Hong Kong SAR
• Isle of Man
• Korea, Republic of
• Myanmar (Burma)
• The Netherlands
• New Caledonia
• New Zealand
• Norfolk Islands
• Northern Mariana Islands
• North Macedonia
• Palestinian Territories
• Papua New Guinea
• Philippines
• Puerto Rico
• Saint Helena
• Saint Lucia
• Saint Vincent Grenadines
• Sao Tome & Principe
• Saudi Arabia
• Sierra Leone
• Sint Marteen
• Solomon Island
• South Africa
• South Sudan
• Sudan, Republic of
• Svalbard and Jan Mayen
• Switzerland
• Taiwan, China
• The Holy See
• Timor Leste
• Trinidad & Tobago
• Turkmenistan
• Turks Caicos Islands
• United Arab Emirates
• United Kingdom
• United States of America
• Vatican City
• Virgin Islands of the United States
• Western Sahara
• Vietnam (Online eVisa)
• Lesotho Permits
• Korea, Democratic People's Republic of
• Ghana Permits
• Lithuania Temporary Residence Permit
• Lithuania (E-Resident card)
• Lithuania TRP and National Visa
• Falkland Islands
• Finland Residence Permit
• Faroe Iceland
• Thailand (Online eVisa)
• American Samoa
• Pitcairn Island
• Wallis and Futuna Islands
• Bouvet Island
• Akrotiri and Dhekelia
• Baker Island
• Clipperton Island
• South Georgia and the South Sandwich Islands

Travelling to*

• Schengen countries

By clicking 'Get Now,' I agree to the terms and conditions & understand that my personal data may be shared with VFS Global insurance partners.

Going on a trip abroad is exciting, but emergencies can happen, and if they do, it can be expensive and challenging affair. You can take some of your stress away by booking a travel medical insurance policy with Covid-19 coverage at competitive pricing from global insurers. Don't forget that for Schengen visa applications, travel insurance is mandatory.

Travel Medical Insurance

Emergency medical coverage, including COVID-19 treatment costs.

Competitive pricing from global insurers.

Global medical insurance coverage for evacuation and accidents.

Cancellation and trip delay coverage.

Protection for loss of passport and travel documents.

Frequently asked questions

View all FAQ's

1 . What is Travel Medical Insurance?

Travel Medical Insurance is designed to cover your emergency medical expenses while traveling abroad. In the event of an unexpected illness, injury, or medical condition during your trip, your travel medical insurance plan will reimburse you for the treatment costs, up to the limits specified in the plan.

2. Why do I need Travel Medical Insurance?

Travel Medical Insurance provides coverage for various risks that may arise during your overseas travel, including medical emergencies, COVID-19, and loss of passport. The coverage offered ensures an additional layer of protection against potential financial losses. For more detailed information on the coverage, please refer to the Travel Medical Insurance policy documents.

3. Why should you buy Travel Medical Insurance online?

Purchasing overseas travel insurance online is a convenient way to access a wide range of best plans at competitive prices from global insurers. This allows you to choose a suitable plan without incurring any extra commissions.

4. How much will overseas Travel Insurance cost?

The cost will depend on the kind of overseas Travel Medical Insurance policy you opt for, and it will vary from country to country. Multiple underlying health conditions will determine the final insurance premium you will have to pay.

5. How far in advance should I purchase Travel Medical Insurance?

It's best to purchase travel insurance within the first 14 days of your initial trip.

With Travel Medical Insurance assistance provided by VFS Global, you can book your insurance and submit your visa application together.

Even if you missed purchasing the insurance plan before or during the visa application process, you can still buy Travel Medical Insurance by visiting our website.

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The VFS Global website may contain links to third-party sites promoting various products and/or services that VFS Global does not own or operate. These links to websites are in the nature of paid advertising and are not verified by VFS Global.

These links are provided for convenient access. Access to these links is voluntary and does not indicate that VFS Global endorses or is associated with any of these third-party websites. Users are requested to use these links at their own discretion, risk, and cost when dealing with these websites, and neither VFS Global nor its officers, employees, or agents shall have any responsibility or liability of any nature whatsoever for these other third-party websites/links or any other information contained in them.

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For more information about how we use your personal information, please review our Privacy Policy. You can also review our partners' Privacy Policies - you'll be able to find these on their websites when you click through to the next page.

What are you looking for?

Information on travel medical insurance.

Please note: German Missions accept Indian Travel Medical Insurances only from approved Indian Travel Insurance companies.

The list of Indian travel insurance companies offering travel medical insurance for the Schengen visa process has been approved by the consular missions of the Schengen countries, effective of July 2022.

Please note that the German Missions only accept Indian Travel Medical Insurances from approved Indian Travel Insurance companies listed below.

APPROVED LIST OF INDIAN TRAVEL INSURANCE COMPANIES OF THE CONSULAR POSTS OF SCHENGEN STATES PROVIDING TRAVEL MEDICAL INSURANCES FOR SCHENGEN VISA PROCEDURE EFFECTIVE OF JULY 2022

This list is applied by the Schengen States of Austria, Belgium, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland as well as the European Union Member States of Bulgaria, Croatia, Cyprus and Romania. Consular Posts of Schengen States approved the travel medical insurance policy schemes for corporate travels of travel insurance companies on this list with 70 years of age as upper limit of appropriate full coverage. Acceptance of travel medical insurance policy schemes for group travels (e.g. tour or incentive groups) with 70 years of age as upper limit of appropriate full coverage is conditioned by the Consular Posts of Schengen States ability to check the coverage of individual members of these groups in the Travel Insurance Portals of Non-Life Insurers of the General Insurance Council. Failure of this verification may lead the Consular Posts of Schengen States to the request of submitting a new travel medical insurance policy for the visa procedure. Visa applicants are advised to note that other travel medical insurances issued by Indian insurance companies are not accepted for Schengen visa procedure. However, visa applicants may seek to obtain insurance in any other country where claims against the insurance company would be recoverable in a Schengen State.

Visa applicants for a Schengen visa for one or two entries shall prove that they are in possession of adequate and valid travel medical insurance to cover any expenses, which might arise in connection with repatriation for medical reasons, urgent medical attention and/or emergency hospital treatment or death, during their stay(s) on the territory of the Schengen States. Visa applicants for a uniform visa for more than two entries (multiple entries) shall prove that they are in possession of adequate and valid travel medical insurance covering the period of their first intended visit. In addition, such applicants shall sign the statement, set out in the application form, declaring that they are aware of the need to be in possession of travel medical insurance for subsequent stays. The insurance shall be valid throughout the territory of the Schengen States and cover the entire period of the person’s intended stay or transit. The minimum coverage shall be EUR 30 000. Applicants shall, in principle, take out insurance in their country of residence. Where this is not possible, they shall seek to obtain insurance in any other country. When assessing whether the insurance cover is adequate, consulates shall ascertain whether claims against the insurance company would be recoverable in a Schengen State.

**This note makes reference to Article 15 of Regulation 810/2009 of the European Parliament and of the Council of 13 July 2009 establishing a Community Code on Visas.**

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• International Travel Insurance

International travel insurance gives you the security and peace of mind to explore a country worry-free and relaxed. As you make memories in a faraway land experiencing the uniqueness of a new culture and its people, ensure that you are financially secured against any unforeseen event. Remember, medical and dental emergencies always come uninvited and might not spare you during your vacation. Such expenses in a foreign land can cost you dearly. Having International travel insurance or overseas travel insurance can save you from such a crisis.

Apart from medical emergencies, other unfortunate events can make a dent in your happiness, like flight or baggage delays. During International travel, loss of check-in baggage is quite common. These situations can lead to additional expenses and make your travel budget go haywire. But with the assurance of foreign travel insurance, you can spend your holidays without fretting over such mishappenings. Moreover, in case of loss of essential documents like a passport or theft or burglary, International travel insurance gives you the cover and security needed at such trying times. If you are planning a foreign trip either for work or leisure opt for HDFC ERGO’s International travel insurance policy online and secure your trip from the comforts of your home.

Why do You Need International Travel Insurance?

While travelling abroad, have a backup plan ready to get the most out of your time if the previously planned itinerary doesn't work out. An overseas travel insurance plan will provide coverage for loss against lost luggage, flight delays, baggage delays or any unforeseen events. HDFC ERGO’s International Travel Insurance provides a network of 1 Lac+ cashless hospitals and 24x7 support to settle claims effortlessly.

Our travel insurance will essentially secure you under following circumstances:

• Luggage Loss
• Baggage Delays
• Medical Expenses
• Flight Delays
• Emergency Dental Expense
• Emergency Financial Assistance

International Travel Insurance Plans by HDFC ERGO

International travel insurance - individual.

While on a solo trip, ensure your family is at peace regarding your safety and well-being with the backing of the HDFC ERGO Explorer individual plan. An individual international travel insurance plan can come in handy in various situations, like, medical emergencies or any unforeseen events, such as - luggage loss/delays, flight delays, theft, or loss of personal documents.

International Travel Insurance – Family

Whenever you are travelling with your family, you have the responsibility to take care of their safety during the trip. Secure your family’s vacation with HDFC ERGO Explorer plans for your family as they make long-lasting memories.

International Travel Insurance – Student

When you are travelling abroad for study purpose, make sure that you have a proper travel insurance plan for student. A travel insurance policy will help overcome any uncertainty that might occur due to any unfortunate incident like theft, luggage loss/delays, flight delays, etc. With HDFC ERGO Explorer policy for student, you can completely concentrate on studies during your stay abroad.

International Travel Insurance - Frequent Flyers

Under one comprehensive travel insurance plan, you can secure multiple trips. With HDFC ERGO Explorer you can enjoy multiple trips peacefully with just one international travel insurance plan.

International Travel Insurance – Senior Citizens

Whether planning to go for a leisure holiday or visit a loved one, secure your trip with HDFC ERGO Explorer for Senior Citizens to get cover from any medical or dental emergencies that can catch you off guard overseas.

What Does HDFC ERGO International  Travel Insurance Policy Cover ?

• Medical Coverage
• Journey-Related Coverage
• Baggage-Related Coverage

Emergency Medical Expenses

This benefit covers hospitalization, room rent, OPD treatment, and Road Ambulance costs. It also reimburses expenses incurred on Emergency Medical Evacuation, Medical Repatriation and Repatriation of mortal remains.

Dental Expenses

We believe dental healthcare is just as important as hospitalization due to physical illness or injury; hence, we cover dental expenses which can occur during your travel. Subject to policy terms and conditions.

Personal Accident

We believe in seeing you through thick and thin. In the event of an accident, while traveling abroad, our insurance plan provides a lump sum payment to your family to assist with any financial burdens caused by permanent disablement or accidental death.

Personal Accident : Common Carrier

We believe in being by your side through ups and downs. So, under unfortunate circumstances, we will provide a lump sum payout in case of accidental death or permanent disablement arising out of an Injury whilst on a Common Carrier.

Hospital cash - accident & illness

If a person is hospitalized due to injury or illness, we will pay the per day Sum Insured for each complete day of hospitalization, up to the maximum number of days stated in the Policy Schedule.

Flight Delay & Cancellation

Flight delays or cancellations may be beyond our control, but worry not, our reimbursement feature allows you to meet any essential expenses arising from the setback.

Trip Delay & Cancellation

In case of a trip delay or cancellation, we will refund the non-refundable portion of your pre-booked accommodation and activities. Subject to policy terms and wordings.

Loss of Passport & International driving license

Losing important documents can leave you stranded in a foreign land. So, we will reimburse expenses related to obtaining a new or duplicate passport and/or international driving license.

Trip Curtailment

Don't worry if you have to cut your trip short due to unforeseen circumstances. We'll reimburse you for your non-refundable accommodation and pre-booked activities as per the policy schedule.

Personal Liability

If you ever find yourself liable for third-party damage in a foreign land, our travel insurance helps you compensate for those damages effortlessly. Subject to policy terms and conditions.

Emergency Hotel Accommodation for Insured Person

Medical emergencies may mean you need to extend your hotel booking by a few days more. Worried about the added expense? Let us take care of it while you recover.subject to policy terms and conditions

Missed Flight Connection

Don't worry about unexpected expenses due to missed flight connections; we will reimburse you for the expenses incurred on accommodation and alternate flight booking to reach your destination.

Hijack Distress Allowance

Flight hijacks can be a distressing experience. And while the authorities help sort out the issue, we'll do our bit and compensate you for the distress it causes.

Emergency Cash Assistance Service

When traveling, theft or robbery can lead to a cash crunch. But don't worry; HDFC ERGO can facilitate fund transfers from the insured 's family in India. Subject to policy terms and conditions.

Loss Of Checked-In Baggage

Lost your checked-in baggage? Don't worry; we'll compensate you for the loss, so you don't have to go without your essentials and vacation basics. Subject to policy terms and conditions.

Delay of Checked-In Baggage

Waiting is never fun. If your luggage gets delayed, we'll reimburse you for essentials like clothing, toiletries and medication so you can start your vacation worry-free.

Theft of baggage and its contents

Theft of baggage can derail your trip. So, to ensure your trip stays on track, we'll reimburse you in case of baggage theft. Subject to policy terms and conditions.

The above mentioned coverage may not be available in some of our Travel plans. Please read the policy wordings, brochure and prospectus to know more about our travel insurance plan.

What Does HDFC ERGO’s International Travel Insurance Plan Not Cover? ?

Breach of law.

Sickness or health issues caused due to war or a breach of the law is not covered by the plan.

Consumption of Intoxicant substances

If you consume any intoxicants or banned substances, the policy shall not entertain any claims.

Pre existing diseases

If you suffer from any illness before the travel you’ve insured and if you undergo any treatment for an illness that already exists, the policy does not cover expenses related to these incidents.

Cosmetic and Obesity Treatment

Should you or any member of your family opt to undergo any cosmetic or obesity treatment during the course of the travel you’ve insured, such expenses remain uncovered.

Self Inflicted Injury

Any hospitalization expenses or medical costs arising from self-inflicted injuries are not covered by the insurance plans we offer.

The above mentioned coverage may not be available in some of our Health plans. Please read the policy wordings, brochure and prospectus to know more about our travel insurance plans.

Key Features of HDFC ERGO Overseas Travel Insurance Policy

Compare international travel insurance plans, benefits of international travel insurance.

Here are a few benefits of having International travel insurance -

• Covers for medical expenses: Medical expenses can burn a hole in your pocket during an international trip. But you can get treated in a foreign land with the assurance of International Travel insurance. But International travel insurance ensures that you are covered for such emergencies, saving you a lot of money while ensuring proper treatment and care. HDFC ERGO’s International travel insurance provides cash reimbursements on hospital bills and easy access to 1Lakh+ hospital networks worldwide.
• Promises baggage security: Loss of check-in baggage or delays can derail your  holiday plans, but with International travel insurance, you are covered for essentials that can keep you in line with your plans like lost or delayed luggage. Unfortunately, these issues with luggage are quite common on an international trip. With International travel insurance, you are secured against lost or delayed luggage so you can enjoy your holiday seamlessly.
• Covers against uneventful situations: While holidays are all about smiles and joys, life can sometimes be harsh. Flight hijacks, damage to third-party property can dampen your holiday mood. But International travel insurance can ease your stress at such times. International travel insurance secures you from such incidences too.
• Ensures you don’t exceed your travel budget: In case of medical or dental emergencies, your expenses can exceed your budget. Sometimes you might have to extend your stay to complete your medical treatment, which could exceed your expenses. But International travel insurance covers those added hotel expenses too.
• Constant assistance: Robbery, theft or loss of a passport in a foreign land is not unheard of. Having International travel insurance gives financial support at such testing times. 

Buy Overseas Travel Insurance Online

Buying international travel insurance is a click away and can be done from the comfort of your home or office at your convenience. Therefore, the online purchase of overseas travel insurance plans has picked up and is growing with each passing day.

• Click here  link , or visit the HDFC ERGO travel insurance webpage to BUY our policy.

• Enter traveler details, destination information, and trip start and end dates.

• Choose your preferred plan from our three tailored options.

• Provide your personal details.

• Fill in additional details about the travelers and proceed to pay using online payment methods.

• All that's left to do is- download your policy instantly!

So, Have you compared the plans and found the one that suits you best?

Why choose hdfc ergo international travel insurance, covers travel related inconveniences.

While travelling, there is a possibility of flight delays, loss of baggage or checked-in baggage delay. These things can be pretty unsettling. But with the security of travel insurance, you can be assured of being covered for refreshments and essentials during such circumstances.

Covers Baggage-Related Hassles

Most travellers get scary thoughts about their luggage getting misplaced, mainly containing essential items like medicines, clothes, etc. HDFC ERGO's International Travel Insurance Policy covers you for expenses due to baggage loss during your trip.

Covers Emergency Medical Assistance

While travelling, you might encounter an unexpected medical emergency in a foreign territory. Overseas travel insurance comes with emergency medical benefits and is just the friend you need during tough times. In addition, our 1 Lac+ cashless hospitals network is there to take care of you.

Affordable Travel Security

HDFC ERGO international travel insurance policy has different plans to meet individual requirements. Our travel insurance plans are tailor-made for every traveller. We offer affordable premiums that complement everyone’s travel budget.

Round-the-clock Assistance

No matter what time it is in your part of the world, dependable assistance is just a call away. Thanks to our in-house 24x7 claim settlement & customer support mechanism.

1 Lac+ Cashless Hospitals

You will get the best travelling experience if you travel without any worry. In case of a medical emergency, while holidaying abroad, you can avail assistance from our network of 1 Lac+ cashless hospitals worldwide during the trip.

  Does HDFC ERGO’s International Travel Insurance Cover COVID-19?

While the world is returning to normal and international travel is blooming again, the fear of COVID-19 still looms large over us. Quite recently the emergence of a new variant - Arcturus covid variant – caused much concern among the public and healthcare experts alike. While most countries have relaxed their travel protocols related to COVID-19, precaution and alertness can help us keep another wave at bay. The challenging bit is that any emergence of a new variant is reported to be more transmissible than previous strains. This uncertainty also means that we cannot put anything to chance yet and must follow the basic precautions to prohibit transmission. Masks, sanitisers and compulsive cleaning should still be our mainstay. Whenever a new variant makes its presence felt, Covid cases in India and abroad increase rapidly highlighting the importance of vaccinations and booster doses. If you aren’t vaccinated yet, it’s high time you get the jab. Remember to take your booster doses on time too. International visits can be interrupted if you have not taken the requisite doses, as it is one of the mandates for overseas travel. Watch out for symptoms such as - cough, fever, fatigue, loss of smell or taste, and difficulty breathing, which could be a matter of concern and get checked at the earliest, especially if you are planning international travel or are at a foreign destination. Medical expenses in a foreign land can be expensive, so having the backing of international travel insurance can be of much help. HDFC ERGO’s international travel insurance policy ensures that you are protected if you catch COVID-19.

Here’s what is covered under the travel medical insurance for COVID-19 -

• Hospitalisation expenses

• Cashless treatment at network hospitals

• Daily cash allowance during hospitalisation

• Medical evacuation

• Extended hotel stay for treatment

• Medical and body repatriation

Factors that Affect Your International Travel Insurance Premium

The country you’re travelling to.

If you’re travelling to a safer or economically more stable country, the insurance premium will likely be lower. Also, the farther the destination is from your home, the higher will be the insurance premium.

The duration of your trip

The longer you are away, the higher the probability of you falling ill or getting injured. Therefore, the longer your travel duration, the higher will be the premium charged.

The age of the traveller(s)

The insured's age plays a vital role in determining the premium. Travel insurance premiums for senior citizens could be slightly higher as their risk of illness and injury increases with age.

The extent of coverage you choose

The type of travel insurance coverage the insured person chooses decides the premium of their policy. A more comprehensive travel insurance plan will naturally cost higher than more primary coverage.

Know your Travel insurance premium In 3 Easy Steps

Add your trip details

Fill your personal details

choose your travel insurance plan

Choose your travel insurance plan

Many countries have made it mandatory for foreign travellers to obtain a valid international travel insurance policy before entering their borders?

  how to claim international travel insurance.

The claims process of HDFC ERGO travel insurance is straightforward. You can place a claim on your travel insurance online on cashless as well on a reimbursement basis.

• Cashless Claim
• Reimbursement Claim

Intimate claim to [email protected] and get a list of network hospitals from TPA.

[email protected] will share documents required for cashless claims.

Mail Documents

Download the digital claim form from here

Send digital claim form to [email protected] along with ROMIF.

Intimate claim to [email protected] or call on Global Toll-Free No : +800 08250825

[email protected] will share the checklist/documents required for reimbursement

Claim documents along with claim form to be sent to [email protected] or [email protected]

Claim is registered by HDFC ERGO call centre executive on respective claims system.

International Travel Insurance for Most Visited Countries

Take your pick from the options below, so you can be better prepared for your trip to a foreign country

Travel Insurance for

Travelling to the US?

There’s nearly a 20% chance that your flight could be delayed. protect yourself with hdfc ergo’s travel insurance., hear from our happy customers.

Our customers have rated us

STUDENT SURAKSHA OVERSEAS TRAVEL

10 Sep 2021

Happy with the service

my:Single trip Travel insurance

05 Jul 2019

I have seen few of the insurance policies before deciding to choose HDFC insurance as my life partner. One of the interesting part is monthly-autodeduction from my card as well as it sends the reminder before the due date. The app developed is also so friendly to use and gives me a better experience compared to other insurance company.

Pros: - excellent pricing: quotes from other insurers during past three-four years have been always 50-100% higher including all possible discounts and membership benefits - excellent service: choice of billing, payment, documentation options - excellent customer service: newsletters, prompt and professional replies from the representatives Cons: - none till now

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Frequently asked questions on overseas travel insurance, 1. which overseas travel insurance is best.

A unique feature of HDFC ERGOs Overseas Travel Insurance is its 24x7 in-house claim settlement services, complemented by a vast network of 1 Lac+ cashless hospitals

2. How much does it cost for international travel insurance?

The premium on your travel insurance depends upon your destination and the duration of your stay. The age of the insured person and the different types of plans chosen play a vital role in deciding the cost of the international travel insurance policy.

3. Can I buy travel insurance while abroad?

Your policy cover starts from the immigration counter of your home country and ends once you return after your vacation and complete your immigration formalities. This is why you cannot buy travel insurance while you are abroad. Therefore, travel insurance purchased after the commencement of the journey is not considered valid.

4. Can I extend my travel insurance while abroad?

Once abroad, you can extend your travel insurance policy if it is still valid. However, remember you can only extend your existing policy. You cannot buy one while you are away.

5. Can you buy travel insurance the day you leave?

Yes, you can buy the travel insurance policy even at the last minute. So even if it's your departure day and you're not insured, you can buy a travel insurance cover.

6. Can I see a doctor with travel insurance?

Yes, you can seek doctor help when you are abroad, as international travel insurance policies cover medical expenses.

7. Do I need international travel insurance to get a visa?

If you are travelling to Schengen countries, buying travel insurance is a must to get a visa. Apart from this, many countries have mandatory travel insurance for getting a visa. Therefore, it is advisable to check the visa requirement of every nation before travelling.

8. I had to cancel my trip for personal reasons, but I already bought travel insurance. Can I get a refund?

Yes, you can get a refund for trip cancellation if you cancel the journey before the departure date due to unforeseen conditions like an emergency at home, the sudden death of a family member, political turmoil or a terrorist attack. A complete refund of your premium is possible in such situations after the cancellation of the policy.

9. What is the Maximum Trip Duration Covered under an Overseas Travel Insurance Policy?

Total policy period, including extensions, shall not exceed 360 days.

10. Should I buy international travel insurance before booking a flight abroad?

Yes, it is advisable to secure your jour with a travel insurance policy before booking a flight abroad. You can do so by going with a multi trip insurance plan that will save you from the hassle of purchasing travel insurance each time you make a trip and it also proves to be cost-effective.

11. Can You Buy Overseas Travel Insurance After Booking a Flight?

Yes, you can buy overseas travel insurance after booking a flight, even on the day of your departure. However, it is advisable to buy the travel insurance cover within 14 days of booking your holiday.

12. Will Extending the Policy Affect My International Travel Insurance Cost?

You can reschedule your policy free of cost; however, the extension of the policy will affect the cost. The increase in cost will depend upon the number of days you extend.

13. If I Return to India Earlier Than Scheduled, Will I Get a Partial Refund for My Overseas Travel Insurance Policy?

No, you will not get a partial refund if you return to India earlier than the scheduled date.

14. If I Buy International Travel Insurance Online, Will It Cover the Cost of Dental Treatment?

Yes, it covers the cost of dental treatment. In addition, international travel insurance covers the costs of emergency dental work up to $500* arising out of an accidental injury.

15. Will an Overseas Travel Plan Cover Me if I Get Injured While Traveling on a Ship or Train Overseas?

Yes, it will provide coverage for injury caused while travelling on a ship or train overseas.

16. If I Get Injured on the Last Day of the Trip, Will My International Travel Insurance Policy Get Extended?

Suppose you extend your stay on the last day of your trip due to a medical emergency, accident, or injury. In that case, you can extend your travel insurance policy for 7 to 15 days without paying any premium. 

17. Can I File an International Travel Insurance Claim After Getting Back to India?

Yes, it is possible to file a claim after travelling back to India. However, remember you need to file the claim within 90 days of any unfortunate event like a medical emergency or loss of documents, except if otherwise stated by your insurer.

18. What is the document provided as proof of travel insurance?

The insurer's soft copy mailed to you is enough to work as proof for your travel insurance. However, it is advisable to jot down your policy number and, more importantly, have our 24-hour assistance telephone number with you, so you can contact us if you need our help while you're away.

19. I bought international travel insurance online through the HDFC ERGO website. How do I contact customer care from a foreign country in case of a claim?

Call our emergency travel assistance partner on the 24-hour alarm centre for travel, medical advice, and assistance during your trip.

• E-mail: [email protected]

• Toll free number (globally): +80008250825

• Landline (chargeable):+91-120-4507250

Note: Please add the country code while dialing the contact number.

20. When does my international travel insurance policy coverage start?

Travel insurance coverage starts at the immigration counter of the home country and continues until the immigration is completed after returning to the home country.

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Grow together. With a career at ERGO.

Ergo. grow together., school leavers.

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Our success as an employer comes from within. It is the people who work here. It is the people who make us who we are – and make us special. For them, and also for those who will work with us in future, we want to create a working environment that promotes diversity and allows everyone to flourish. We want to create scope to shape the future of ERGO together and for one another. Our goal is to make ERGO a place that allows us to grow together.

The Power of togetherness.

Our employer qualities, collegiality, diversity, success, and development.

Our employer qualities build on the community at ERGO and demonstrate that ERGO puts its customers and employees at the center and enables them to develop their full potential. In this way, we shape a healthy, sustainable and positive environment so that people can contribute, develop and flourish at ERGO.

One of our greatest strengths is collegiality , because we act as a team, valuing the contribution of each individual, pulling together and supporting each other. Common goals drive us forward, releasing unimagined forces. Another quality is diversity , which stands for the variety of our workforce. We understand and experience diversity as a driver for change. As an open organization, we value the individuality and diversity of the people in our company. This enables us to bring about change, strengthen creativity and drive forward bold ideas. Our success - as a third quality - shows that we grow with every task and every success. We are a strong brand, a strong player in the market and offer security in a world characterized by profound changes and challenges. We rely on the strengths of each individual and those of our company. Our fourth value is development . We offer opportunities for personal development and are constantly evolving as a company. In doing so, we aspire to be a shaper and innovator. We use digital transformation in all areas, internally and externally, with a team of experts.

Grow with us, we offer exciting tasks and diverse perspectives.

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You will find our current job vacancies in the ERGO job market. Find the challenge that suits you best.

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Do you think that you might have a professional future at ERGO? Then don’t wait any longer – send us your application! We are always delighted to welcome talented newcomers and experienced lateral thinkers and innovators who want to make things happen with a strong employer at their back.

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We look forward to telling you more about your prospects in our company – and about the next steps to be taken on your way to joining us.

Experience ERGO

At ERGO, we set the course together - so that you take the right direction and we can continue to build on our success. Why we do this? Because we believe that companies and employees should form a symbiosis. Because this is the only way we can achieve great things with concentrated strength! At ERGO, we work in an environment where you can feel comfortable and where you can develop yourself further. An environment that is characterized by openness, fairness and respectful cooperation.

Would you also like to secure the tailwind from your employer that you deserve? Then come to ERGO - we look forward to meeting you!

Become a Rising Talent!

We are looking for the next Rising Talents for our ERGO RISE trainee program . Our current trainees talk about their experiences and give you exciting insights into the program. In 24 months, you will get to know the entire value chain and actively shape the future of ERGO from day 1.

How women shape careers at ERGO

Women make a decisive contribution to the success of our company.  That is why we are proud of our female managers. With the "Women in Leadership" initiative, we offer insights into the life and development paths of women who can already look back on an impressive career today.

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From short trips to your annual family holiday, at ERGO we offer travel insurance to cover a wide range of activities, destinations and durations.

ERGO International Travel Insurance

Travel Insurance Products

Beach holiday or city break? Travel insurance to suit any trip.

If the unfortunate should happen on your trip, you’ll need to know what to do next.

Popular Destinations

Travel cover for one-week to Greece from £13.88 when departing in 3 days*.

Travel cover for one-week to France from £9.28 when departing in 3 days*.

United Arab Emirates

Travel cover for one-week to UAE from £20.10 when departing in 3 days*.

*Prices relate to a 38 year old travelling for leisure in 3 days for 7 days, with no pre-existing medical conditions, no additional add on, and with Element level of cover. Prices are valid as of 13 /03/2024 with the following cover; abandonment after 12 hours delay: £1,500, additional travel and accommodation expenses; £1,000, Baggage delay on outward journey: £100, Cancellation: £1,500, cash: £200. Prices will vary depending on your circumstances, destination, medical history and travelling party size. Prices are subject to change. 

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