Personal accident protection
May provide financial compensation for covered accidental death, permanent disability or accidental injuries during a journey. Some plans extend protection to specified transit periods.
Travel insurance
Travel insurance, for every journey.
Domestic and international cover for medical emergencies, accidents, cancellations, flight delays and baggage problems — chosen around your trip by the team that plans it.
Travel insurance services
A practical, people-first guide.
Travel is exciting because it takes us somewhere new. But even a carefully planned journey can be affected by an unexpected illness, an accident, a delayed flight, lost baggage, a missed connection or a change of itinerary. Travel insurance is designed to provide financial protection and emergency assistance when covered travel-related situations occur.
Its value is not only about recovering money after something goes wrong. It can also mean access to assistance, medical coordination and practical support at a time when handling an unexpected problem away from home may be difficult.
Domestic travel insurance
Travel protection across India.
Domestic travel insurance is designed for journeys within India — family holidays, weekend breaks, business trips, pilgrimages, road trips, rail journeys, group tours and leisure travel. Depending on the plan, it can combine accident protection, medical assistance, travel-disruption benefits and baggage protection.
Accident & medical 3
Accidental medical & hospitalisation
May cover eligible hospitalisation and treatment expenses from covered accidental injuries. Some plans add outpatient treatment or cashless treatment at network hospitals.
Emergency medical evacuation
Where included, may help arrange or pay eligible expenses for emergency transport to an appropriate medical facility or, where applicable, back home.
Trip & flight disruption 5
Trip cancellation
May protect eligible prepaid, non-refundable expenses when a trip is cancelled for a covered reason — such as serious illness, hospitalisation, a death in the immediate family or severe weather.
Trip interruption / curtailment
If a covered emergency cuts a holiday short, eligible additional travel costs or part of the non-refundable holiday spend may be protected, subject to policy conditions.
Flight delay
A qualifying domestic flight delay may trigger a fixed benefit or other eligible compensation. Some plans include airport lounge access during qualifying delays.
Airline cancellation
Where covered, may help offset eligible rebooking or additional expenses when an airline cancels a domestic flight.
Missed connection
May help with eligible extra costs — such as alternate transport or accommodation — when a scheduled connection is missed because of a covered delay.
Belongings, home & liability 3
Baggage loss & delay
May protect against covered permanent loss, theft or delay of checked-in baggage, including eligible essential purchases such as clothing, toiletries or medicines.
Home protection while travelling
Some domestic multi-trip policies extend selected protection to your home while you are away, including eligible burglary, theft or damage to covered contents.
Personal liability
May protect against eligible third-party liability for accidental bodily injury or property damage caused during a trip, within the policy’s terms and limits.
Support & frequent travel 2
Travel assistance
Depending on the plan: emergency support, claim assistance, medical coordination, baggage assistance, travel-disruption support and a 24×7 helpline.
Domestic multi-trip cover
Frequent travellers may consider annual or multi-trip cover, protecting multiple journeys during the policy period instead of buying a policy for every trip.
Who can consider domestic travel insurance?
- Family holidays
- Weekend getaways
- Business travel
- Pilgrimage tours
- Road trips & rail journeys
- Senior citizen travel
- Group tours
- Domestic honeymoons
- Adventure & leisure holidays
In simple terms: domestic travel insurance can add a layer of financial and emergency protection to a journey within India — particularly when unexpected accidents, medical needs, travel delays, cancellations or baggage problems could otherwise create additional expenses.
International travel insurance
Protection for overseas journeys.
International travel insurance is designed for travellers leaving India for overseas destinations. It can be especially important because medical and emergency expenses abroad may be substantially higher than expected — and some destinations require travel insurance for visa or entry purposes.
Medical & emergency 9
Overseas medical expenses
Depending on the policy: hospitalisation, doctor consultations, emergency and outpatient treatment, prescription medicines, emergency ambulance, investigations, sudden illness and accidental injuries.
Cashless hospitalisation
Some plans give access to network hospitals where eligible medical expenses may be settled by the insurer or network, rather than paid upfront. Availability depends on the policy.
Emergency medical evacuation
May cover medically necessary emergency transport to an appropriate facility — particularly relevant in remote areas or where specialised care is unavailable.
Repatriation of mortal remains
In the unfortunate event of death abroad, eligible policies may cover the cost of transporting mortal remains back to India, subject to policy conditions.
Emergency dental treatment
Some plans cover emergency dental treatment for acute pain or accidental dental injury during an overseas trip, within specified limits.
Personal accident cover
May provide compensation for covered accidental death, permanent disability, accidental injuries or loss of specified faculties.
Pre-existing disease options
Some plans or add-ons provide specified cover for pre-existing conditions. Check acute-onset provisions, age restrictions, limits, waiting periods and exclusions carefully.
Pandemic & quarantine benefits
Some international plans offer specified pandemic-related protection, including eligible quarantine or medical expenses, subject to the plan’s current terms.
Emergency assistance & telemedicine
Depending on the plan: 24×7 emergency support, medical tele-consultation, hospital coordination, ambulance and passport assistance, baggage recovery and emergency travel support.
Trip & flight disruption 4
Trip cancellation
May protect eligible non-refundable prepaid expenses when a covered event forces cancellation before departure, subject to the policy’s listed conditions.
Trip interruption / curtailment
If a covered emergency requires an early return home, eligible expenses for prepaid flights, hotels, tours and activities may be reimbursed.
Flight delay
A qualifying flight delay may trigger fixed compensation or other eligible benefits for incidental expenses.
Missed flight / missed connection
Where covered, a delay that causes a missed connection may lead to eligible benefits for alternate flights, accommodation, food, incidentals or transport.
Baggage, documents & money 4
Baggage delay
If checked baggage is delayed beyond the specified period, the policy may provide an allowance or reimbursement for essentials such as clothing, toiletries and medication.
Loss or theft of baggage
May reimburse eligible permanently lost or stolen baggage and belongings, subject to limits, depreciation, deductibles and exclusions.
Passport & travel documents
If a passport is lost or stolen abroad, eligible plans may help with replacement documents, eligible expenses and dealing with authorities or embassies.
Emergency cash assistance
Certain plans may facilitate emergency financial assistance when theft or robbery leaves a traveller short of cash.
Visa, liability & activities 5
Visa-compliant insurance
Where insurance is a visa or entry requirement, an appropriate policy may provide the required certificate. Requirements vary by destination and visa category.
Visa-related protection
Some policies or add-ons may reimburse eligible visa fees after a covered visa rejection. This is not a universal benefit.
Personal liability
May protect against eligible third-party claims for accidental bodily injury, accidental property damage or other covered liability situations.
Adventure sports
Optional cover may be available for activities such as scuba diving, trekking and skiing. Standard policies may exclude them unless the cover is purchased or activated.
Annual multi-trip cover
Frequent overseas travellers may consider annual multi-trip insurance, covering multiple international journeys during the policy period.
Travel insurance by destination
What to check, destination by destination.
The right cover changes with where you are going, what you plan to do and any visa or entry requirements. Use this checklist to see what to review.
USA
Overseas medical expenses, hospitalisation, emergency treatment, evacuation, emergency dental care, baggage, passport assistance, personal liability, trip cancellation or interruption, missed connections and 24×7 assistance.
United States guide
Europe & Schengen
Visa-compliant cover, emergency medical treatment, hospitalisation, evacuation, repatriation, baggage, flight delay, passport loss and liability. Schengen insurance has minimum coverage requirements — check compliance before your visa submission.
Western Europe guides
Asia & Southeast Asia
Medical emergencies, accidental injuries, baggage loss or delay, flight disruptions, trip cancellation, passport loss, adventure-sports add-ons and 24×7 travel assistance.
Asia guides
Middle East
Medical emergencies, hospitalisation, emergency evacuation, baggage, flight delays, personal liability, trip cancellation and any visa or entry-related insurance requirements.
Middle East guides
Australia & New Zealand
Medical expenses, emergency hospitalisation, evacuation, repatriation, baggage protection, trip cancellation, personal liability and 24×7 emergency assistance.
Down Under guides
Africa, safari & remote areas
Emergency medical treatment, medical evacuation, emergency transport, accident protection, baggage, trip interruption and activity or adventure cover where applicable.
Africa guides
Cruises & islands
Medical emergencies, emergency evacuation, missed connections, trip cancellation or interruption, baggage loss or delay, travel delay, liability and any cruise-specific protection in the policy.
Top cruise linesAt a glance
Domestic vs international travel insurance.
| Feature | Domestic travel | International travel |
|---|---|---|
| Personal accident | Typically available | Typically available |
| Medical / hospitalisation | Typically available | Typically available |
| Emergency medical expenses | Typically available | Typically available |
| Medical evacuation | Typically available | Typically available |
| Repatriation | Plan-specific / limited | Typically available |
| Trip cancellation | Typically available | Typically available |
| Trip interruption | Typically available | Typically available |
| Flight delay | Typically available | Typically available |
| Missed connection | Typically available | Typically available |
| Baggage delay / loss | Typically available | Typically available |
| Passport loss | Not usually needed | Typically available |
| Personal liability | Typically available | Typically available |
| Visa-compliant insurance | Not applicable | Where required |
| Adventure sports | Often limited / add-on | Add-on options |
| Annual multi-trip | Typically available | Typically available |
| Family / senior citizen cover | Typically available | Typically available |
| Student cover | Not applicable | Typically available |
This table shows broad service categories, not specific policy limits — and not every plan includes every feature.
How to choose
Nine checks before you buy.
A lower premium does not always mean the same protection. Work through these points — or let us do it with you.
Help me chooseStart with your destination and trip type
A family holiday, road trip, business journey, safari, cruise or adventure holiday can each create different protection needs.
Check medical cover carefully
Especially for international travel — review hospitalisation, emergency treatment, evacuation and any relevant exclusions.
Look at cancellation and interruption terms
Important if you have significant prepaid, non-refundable bookings.
Review baggage benefits
Including delay, loss and theft, plus limits, deductibles and the documents needed to claim.
Confirm visa or entry requirements
If travelling overseas, check whether your destination requires specific insurance for the visa or at entry.
Declare pre-existing conditions
Read the policy provisions carefully and confirm whether any relevant cover or acute-onset provision applies.
Check adventure activities
Confirm whether planned activities are covered or need an additional option.
Know your assistance arrangements
Emergency helplines, medical coordination and the support available while you travel.
Read exclusions, limits and claim steps
Before you buy. A lower premium does not necessarily mean the same level of protection as another plan.
Who it’s for
Cover for every kind of traveller.
Families
Help with unexpected medical situations, trip disruptions, baggage issues and other covered emergencies on a family holiday.
Senior citizens
Pay particular attention to medical eligibility, age limits, pre-existing condition provisions, emergency assistance and evacuation benefits.
Business travellers
Annual multi-trip options, travel assistance, delay benefits, missed-connection protection and support for repeated journeys.
Students
For study abroad or longer stays: medical protection, emergency assistance, personal liability, baggage and destination-specific requirements.
Adventure travellers
Planning trekking, skiing or scuba diving? Confirm the activity is covered and whether an adventure-sports add-on is required.
Frequent travellers
Annual multi-trip insurance may suit several journeys a year, subject to trip-duration and other policy conditions.
FAQ
Questions travellers often ask.
What is travel insurance?
A financial protection and assistance service designed to help with eligible unexpected situations before or during a journey — such as medical emergencies, accidents, trip disruption, flight delays and baggage problems.
Is travel insurance useful for domestic travel?
It can be. For domestic holidays, business trips, road trips, pilgrimages and other journeys, eligible policies may provide accident, medical, cancellation, delay and baggage-related protection.
Is travel insurance important for international travel?
It can be particularly important, because medical and emergency expenses abroad may be high, and some destinations require insurance for visa or entry purposes.
Does travel insurance cover flight delays?
Some policies provide a fixed benefit or other eligible compensation after a specified delay period. The exact trigger and benefit depend on the policy.
Does travel insurance cover lost baggage?
Eligible policies may compensate for permanently lost or stolen baggage and may provide an allowance for essential purchases after qualifying baggage delays. Limits and exclusions apply.
Does travel insurance cover trip cancellation?
Many policies include trip cancellation protection for specified covered reasons. The covered events and eligible expenses must be checked in the policy wording.
Can travel insurance cover pre-existing medical conditions?
Some plans or add-ons provide specified cover related to pre-existing conditions, but this is highly policy-specific. Check eligibility, exclusions, limits and acute-onset provisions.
Do I need special insurance for adventure activities?
Possibly. Standard travel insurance may exclude certain adventure activities, so confirm the coverage or consider an appropriate add-on where available.
What is annual multi-trip travel insurance?
A policy structure intended to protect multiple journeys during a policy period, subject to the plan’s conditions and limits.
What should I check before buying travel insurance?
Medical cover, cancellation and interruption benefits, baggage protection, exclusions, deductibles, limits, destination requirements, activity coverage, eligibility and emergency assistance arrangements.
Plan your journey with confidence
Make protection part of the plan, not an afterthought.
A good travel plan is about more than flights and accommodation. It is also about knowing how you would respond if something unexpected changed your journey. Travel insurance can provide an additional layer of financial protection and practical assistance for covered situations — whether you are travelling within India or heading overseas.
For domestic journeys, focus on accident protection, medical assistance, cancellations, delays and baggage. For international journeys, medical expenses, emergency evacuation, repatriation, passport assistance, personal liability and destination-specific insurance requirements become especially important.
Choose cover based on your destination, itinerary, activities, traveller profile — and the actual terms of the policy.
Travel insurance
Get a free insurance quote
Tell us where and when you’re travelling and who’s going — we’ll suggest suitable cover.