Travel Insurance
Travel insurance is your safety net when you’re exploring new destinations. It covers unexpected situations like medical emergencies, trip cancellations, lost baggage, and more—so your journey stays stress-free from start to finish. You can read our full Travel Insurance Guide to understand its importance before your next trip.
Types of Insurance
Insurance comes in many forms—health, motor, life, home, and of course, travel insurance. Each type serves a unique purpose to protect you financially against specific risks. Explore our detailed Types of Insurance article to learn how each plan works and which one is right for your needs.
Here’s your detailed guide to the leading travel insurance providers in India. We break down their key plans, benefits, highlights, and what to watch out for—so you can confidently select the plan that suits your travel needs.
1. ICICI Lombard General Insurance
ICICI Lombard is one of the most recognized names in the insurance industry, known for its wide network and quick claim settlements.
Features:
- Covers medical expenses, loss of baggage, and trip cancellations.
- Offers cashless hospitalization across a global network.
- 24×7 customer assistance worldwide.
Drawbacks:
- Premiums may be slightly higher compared to smaller insurers.
- Some coverage limits may be lower for senior citizens.
Benefits:
- Strong brand reputation with high claim settlement ratio.
- Multiple plan variants to suit different travel needs.
Why Choose:
If you want reliable service and quick claim settlement, ICICI Lombard is a solid choice.
Exclusive Feature:
Personal liability coverage for third-party damages while traveling abroad.
2. HDFC ERGO General Insurance
HDFC ERGO combines the trust of HDFC with ERGO’s global insurance expertise.
Features:
- Medical emergency coverage without sub-limits in many plans.
- Protection against loss of passport, luggage, and trip delays.
- Online claim intimation and settlement tracking.
Drawbacks:
- Limited customization in some basic plans.
- May require extra premium for adventure sports coverage.
Benefits:
- Affordable plans for students and frequent flyers.
- Large global network for cashless claims.
Why Choose:
Perfect for travelers seeking affordable yet comprehensive protection.
Exclusive Feature:
“No Sub-limit” plans for medical expenses – ideal for long trips abroad.
3. Tata AIG General Insurance
Tata AIG offers travel insurance products designed for both leisure and corporate travelers.
Features:
- Coverage for pre-existing illnesses in life-threatening conditions.
- Trip curtailment and flight delay compensation.
- Emergency cash advance facility.
Drawbacks:
- Certain adventure sports not covered in basic plans.
- High premiums for senior citizens over 70.
Benefits:
- High maximum coverage limits for overseas medical expenses.
- Worldwide assistance service.
Why Choose:
Great for those looking for premium coverage with global assistance.
Exclusive Feature:
Automatic policy extension if your trip is extended due to medical emergencies.
4. Bajaj Allianz General Insurance
Bajaj Allianz has an extensive range of travel insurance plans for individuals, families, and students.
Features:
- Medical evacuation and repatriation benefits.
- Loss of baggage and travel document coverage.
- Multiple currency support for claims abroad.
Drawbacks:
- Claim process can be document-heavy.
- Some plans have age restrictions.
Benefits:
- Affordable student travel plans with study interruption cover.
- Strong global presence.
Why Choose:
Ideal for students and frequent business travelers.
Exclusive Feature:
Study Interruption coverage for overseas students in case of emergencies.
5. Reliance General Insurance
Reliance General offers budget-friendly travel insurance plans with quick purchase and renewal.
Features:
- Covers trip delays, loss of passport, and emergency medical costs.
- Multiple options for single-trip and multi-trip policies.
- 24×7 claim support.
Drawbacks:
- Limited adventure sports coverage.
- Medical coverage limits may be lower for long trips.
Benefits:
- Affordable premiums for short-term travel.
- Easy online purchase and claim process.
Why Choose:
Best for budget-conscious travelers looking for basic coverage.
Exclusive Feature:
Instant policy issuance with zero paperwork for urgent travel needs.
6. SBI General Insurance
Introduction:
SBI General Insurance, backed by the State Bank of India, offers travel insurance plans tailored for domestic and international travelers. Their policies are affordable yet reliable, making them a popular choice for budget-conscious travelers.
- Features:
- Coverage for medical expenses abroad
- Personal accident protection
- Loss of checked-in baggage
- Emergency evacuation assistance
- Benefits:
- Affordable premiums
- Large claim settlement network
- 24×7 customer service
- Drawbacks:
- Limited add-on options compared to private insurers
- Some plans have low coverage limits for high-cost destinations
- Why Choose SBI General?
- Strong brand trust of SBI
- Easy purchase through bank branches and online portals
- Exclusive Feature:
- Special student travel insurance with extended policy duration for studies abroad
7. Bharti AXA Travel Insurance (Now ICICI Lombard)
Introduction:
Bharti AXA’s travel insurance offerings, now merged under ICICI Lombard, are known for their flexible coverage options and cashless claim benefits.
- Features:
- Medical expense coverage up to high limits
- Flight delay and cancellation compensation
- Loss of travel documents
- Cashless hospitalization abroad
- Benefits:
- Extensive international hospital network
- Multiple plan choices for individuals, families, and students
- Drawbacks:
- Slightly higher premiums for short trips
- Limited domestic travel coverage
- Why Choose Bharti AXA (ICICI Lombard)?
- Flexibility to customize coverage as per destination and trip length
- Exclusive Feature:
- Automatic policy extension if trip is extended due to medical emergencies
8. Bajaj Allianz Travel Insurance
Introduction:
Bajaj Allianz offers travel insurance plans that cater to frequent travelers, students, and senior citizens. Their wide network and fast claims process make them a top choice.
- Features:
- Emergency cash advance facility
- Trip cancellation and interruption cover
- Pre-existing illness cover for life-threatening situations
- High coverage limits for medical emergencies
- Benefits:
- Instant online policy issuance
- Multiple plan variants including annual multi-trip coverage
- Drawbacks:
- Pre-existing illness coverage has strict conditions
- Some add-ons can be costly
- Why Choose Bajaj Allianz?
- Trusted brand with strong global tie-ups for assistance
- Exclusive Feature:
- “Travel Companion” mobile app for quick claims and travel support
9. IFFCO Tokio General Insurance
Introduction:
IFFCO Tokio offers budget-friendly travel insurance with easy online access and customizable plans for students, individuals, and families.
- Features:
- Coverage for accidental death and disability
- Passport loss cover
- Flight delay cover
- Emergency medical evacuation
- Benefits:
- Affordable pricing for long trips
- Simple online claim process
- Drawbacks:
- Limited high-end travel coverage options
- Some regions have restricted medical coverage
- Why Choose IFFCO Tokio?
- Ideal for budget travelers seeking basic coverage
- Exclusive Feature:
- Zero deductible on many plans, ensuring no out-of-pocket costs for small claims
10. Future Generali India Insurance
Introduction:
Future Generali provides modern travel insurance solutions with easy policy purchase and fast claim settlements.
“Family Floater” travel insurance for affordable family coverage
Features:
Loss of checked baggage cover
Personal liability cover abroad
Hospitalization benefit in foreign currency
Trip delay coverage
Benefits:
User-friendly mobile app for policy management
Wide range of travel insurance options for leisure and business trips
Drawbacks:
Limited specialized student travel plans
Coverage limits lower than some premium insurers
Why Choose Future Generali?
Digital-first insurer with quick claim processing
Exclusive Feature:
Quick Comparison Table
| Company | Strengths | Watch Outs | Unique Feature |
|---|---|---|---|
| Tata AIG | Affordable, global, student-friendly | Premium for high-risk trips | Student add-ons (visa, job loss support) |
| ICICI Lombard | User-friendly digital experience | Add-ons increase price | Pay-per-day extension |
| HDFC ERGO | Wide medical network, no age cap tests | Sub-limits apply | Daily emergency cash + adventure coverage |
| Bajaj Allianz | Home burglary, strong claims process | Add-ons add cost | Student-specific benefits |
| Reliance General | Budget-friendly, adventure add-ons | Smaller network | Family floater & adventure options |
| New India Assurance | Affordable, trusted public insurer | Slower digital processing | National agent access |
| SBI General | Bank integration, trusted brand | Digital features limited | Seamless for SBI account holders |
| Future Generali | 24/7 support, regional plans | Premiums higher | Region-wise customized insurance |
| Oriental Insurance | Reliable, low cost | Minimal add-ons | No-frills, effective coverage |
| Bharti AXA | Smooth digital access | Post-merger complexity | Online policy management |
Final Takeaway
Each insurance provider brings unique strengths: from Tata AIG’s tailored student offerings to HDFC ERGO’s wide medical network and ICICI Lombard’s seamless digital experience. Evaluate what matters most—price, coverage, convenience, or travel type—and choose accordingly for a worry-free journey.
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