One medical emergency abroad can cost ₹10–50 lakh. Travel insurance costs just ₹300–800 per trip. Understand why it's the smartest investment before every journey.
Travel insurance protects you against unexpected emergencies that can ruin your trip — and your finances. Whether you're travelling domestically or internationally, things can go wrong: flights get cancelled, bags get lost, accidents happen, and medical emergencies can occur anywhere.
A travel insurance policy reimburses or directly pays for these losses — so your trip is protected from start to finish. It typically costs less than a meal out — yet protects against losses that could cost lakhs of rupees.
Most international travel visas (Schengen, US, UK) actually require proof of travel insurance with minimum $50,000 medical coverage as a visa condition.
A good travel insurance plan protects every aspect of your trip.
Hospitalisation, surgery, doctor visits, and medicines abroad — covered up to $50,000–$500,000 depending on plan. Even medical evacuation back to India is included.
If you must cancel your trip due to illness, death in family, or natural disaster, non-refundable costs (flights, hotel bookings) are reimbursed.
If your checked luggage is lost, damaged, or delayed, you receive compensation to buy essential items or replace your belongings.
If your flight is delayed by more than 6–12 hours, you're compensated for meals, accommodation, and alternative transport arrangements.
Emergency passport assistance, travel documents replacement, and related expenses if your passport is lost or stolen during travel.
Lump sum payout in case of accidental death or permanent disability during the trip. Also covers accident-related medical costs.
Choose the plan that matches your travel style and destination.
Covers one international trip from the day of departure to return. Best for occasional travellers. Choose based on destination (USA/Canada needs higher medical cover).
Best for frequent travellers. One annual premium covers unlimited international trips up to 30–45 days per trip. Huge savings vs buying per trip.
Covers travel within India. Includes flight delay, baggage loss, personal accident, and some medical costs. Affordable and increasingly popular.
Specially designed for travellers aged 60–85. Higher medical coverage, pre-existing condition coverage for emergencies, and compassionate visit if hospitalised abroad.
For students going abroad for education. Longer duration (up to 2 years), covers sponsor protection, study interruption, and bail bond along with medical cover.
One policy that covers the entire family travelling together — adults and children. Shared coverage with per-person sub-limits. Better value than individual policies.
22+ years of insurance advisory experience
Travel insurance is the most overlooked yet most essential protection before any international journey. Families invest ₹2–3 lakh in a holiday but hesitate over ₹500–1,500 in coverage. I have witnessed clients face emergency medical situations abroad — in one case, a heart attack in Singapore resulted in a bill of ₹18 lakh. Their travel insurance covered every rupee of it. Always secure your travel insurance before departure — once you have landed, it is too late. And always choose a plan based on genuine coverage strength, not merely on price.