10 Best Travel Insurance in India with Review 2020

Best Travel Insurance in India
Written by Deepika Gupta

Best Travel Insurance in India with Review

In recent times, more people are traveling than ever before. for leisure, or business, pursuing higher education, travel has become a significant part of our lives. However, with the increase in population, the risks associated with the own safety of travelers have also increased day by day.


The Best Travel Insurance in India gives you the freedom to enjoy your trip or journey without getting any difficulties in the complexities of travel. By offering primary medical coverage, few exclusions, generous limits, and top-notch customer service.

In short, the Best Travel Insurance in India should help to cover any injuries or giving you money when a huge delay strikes on the trip. To help you to find the best insurance for your journey, we looked at 23 of the nation’s top service providers.

Here, We read and reviewed dozens of different policies that compared customer satisfaction ratings, consulted with insurance and travel experts, and considered financial strength ratings of the trip. Those last two factors we put much stock in as you will want not only a company that’s easy to work with travel insurance but also one that has the financial backing to settle your claims for travel. Ultimately, the cost will depend on you, your trip, and the policy which you have taken from multiple providers.

What are the factors that travel insurance covers?

There are many policies and plans available under the Best Travel Insurance​ in India. Every policy is designed to keep with the policy owner in mind. The inclusions and exclusions of travel insurance are based according to the needs of people. Various policies offer a discount for the child/children in your family. If a policy has met all your requirements otherwise, you can go for it as the premium could be a major saving on your trip and journey.

The premium of Best Travel Insurance in India is majorly based on the destination. For instance, if you are a normal UK citizen and are you want to travel for  Europe, you will have to pay a lower premium as compared to other than a destination that is located on the other side of the world.

If you are habitat for a travel insurance policy with a lower premium, At that time you will have to pay a higher deductible or you will have to compromise on some offerings of travel insurance.

  • The person who is suffering from any disease from previous has to either cough up a higher amount of premium for a travel insurance policy in India or will not be covered at all by the travel insurance company. Most insurance companies will provide a policy and exclude any kind of cover related to the pre-existing disease.
  • The premium for senior citizens of any country, the travel insurance policy is a little more considering the age factor. Besides that, the premium is too much higher if you are traveling to a destination that is famous for any adventure sports.
  • At last, The premium of your travel insurance policy is based on a lot of factors. Hence, you must carefully read all the terms and conditions of a policy before buying travel insurance online for any company.

Things to Keep in Mind When Buying Travel Insurance Policy

Before planning to apply for Best Travel Insurance in India, some Things to Keep in Mind When Buying Travel Insurance Policy which is as follows:

  1. Length of Travel

The process of buying the best travel insurance in India needs to be planned. When you want to buy the best travel insurance policy India in terms of travel insurance, you need to take into mind the duration of your stay.

As you might have already planned that the length of your vacation will determine the cost of your overseas travel insurance policy, it means that if you are going on a trip which would last only one week the costs would be nominal. Although, if you want to travel abroad for a vacation that would last for at least a month minimum, at that time, the cost of your overseas travel insurance will be higher as compared to before.

  1. Distance of Travel

With distance, the coverage and cost of the overseas travel insurance that you would be purchasing will also change, so it is very important to roughly check the travel insurance according to the duration of your mode of travel and the distance that you will cover. This is the first basic step towards finding the best affordable travel insurance for yours.

  1. Activities Planned

The cost and coverage of the best affordable travel insurance depending on how you plan to spend your vacation like area, accommodation. If you want to busy in adventure sports that are very intense and can have high risks as compared to others, then the travel insurance policy might have restrictions regarding their coverage.

  1. Side Trips and Extra Destinations

Location-specific travel insurance policies are usually the best. A lot of people in the past have taken this fact for granted and have buy location-specific overseas travel insurance and according to their choice in nearby countries.

There is not one but various stories where the people have assumed their overseas travel insurance policy at the best affordable price.

  1. Medical Conditions

This is a very important point to consider when you are choosing the best affordable travel insurance. If you are traveling overseas, one of the main things that you should be concerned about, besides the places is Your health.

While going to a destination that might leave you open to some diseases or you might have a pre-existing disease that you would be traveling with. Therefore, before you trust the best travel insurance policy, it is extremely important to check the list of instructions provided for health coverage under the policy.

 10 Best Travel Insurance in India with Review 2020

There are many Best Travel Insurance in In

dia from which we discuss top 10 travel insurance in India which are as follows:

  1. Bharti AXA Schengen Travel Insurance
  2. SBI general insurance
  3. ICICI Lombard Travel Insurance
  4. Apollo Munich Travel Insurance
  5. TATA AIG Travel Insurance
  6. Religare Travel Insurance
  7. Reliance Travel Insurance
  8. Future Generali Travel Insurance
  9. HDFC Ergo Travel Insurance
  10. IFFCO Tokio Travel Insurance
  1. Bharti AXA Schengen Travel Insurance

Best Travel Insurance in India


Bharti AXA Schengen is the Best Travel Insurance in India that provides Low-Cost Travel Insurance Plan is the cheapest Schengen travel insurance perfect for couples individuals, and families who want to travel for leisure and business by paying its emergency care costing up to €30,000, as well as repatriation to your home nation – meaning you’ll be provided for accidents that occur during your trip with a guarantee.

AXA also offers a 24-hour assistance hotline service providing you with expert local advice and instruction on what to do after an incident if you are alone. Bharti AXA travel insurance has a presence in 130+ countries till now. With a 24 X 7 claim assistance and strong customer support by Bharti Assist Global for all insurance-related matters and issues.

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

  1. SBI general insurance

SBI general insurance is the Second Best International Travel Insurance in India (Overseas) which provides a medical cover up to $500,000. Although, it covers only those medical expenses or kits which are primarily like any emergency case.

Further, SBI does not cover if you are traveling against any medical advice or have a pre-medical disease from before or are traveling to get involved in adventure sports.

The Sbi insurer provides a free automatic extension for a week for delays due to public transport services. After that, the extension of travel insurance increases or accepted for a maximum of 180 days with a term and condition that the overall trip duration is not more than 270 days. SBI is the only international insurer with unique cover paying for a Bail bond and Golfers hole-in-one till now.

  1. ICICI Lombard Travel Insurance

ICICI Lombard is the Third Best Travel Insurance in India to the USA with 360 days of travel insurance, an initial 180 days of policy that can be extended further up to 180 days from the starting date. This insurance covers all medical assistance and total loss of checked-in luggage including handbags. ICICI Lombard travel insurance has a cashless hospitalization facility in tie-up with United Health International (UHI) mission. UHI is the most diverse and largest healthcare company in the USA.

To Buying, 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 offers you two plans for various trip losses and medical expenses in any condition. In both plans, the medical covers are available from $50,000 up to $5,00,000.

  1. Apollo Munich Travel Insurance

Apollo Munich Travel Insurance is the Fourth Best Travel Insurance in India which provides a facility of the cashless benefit of pan India Apollo hospital and Apollo pharmacy networks in case of medical assistance while you want to travel abroad then you can go without any difficulties. Apollo Munich Travel Insurance is also known as domestic travel insurance in India.

  1. TATA AIG Travel Insurance

TATA AIG travel insurance is the Fifth Best Travel Insurance in India which only pays you for the loss of your payment card, up to 12 hours of reporting time during traveling. This insurance does not cover pre-existing conditions or any complication while the insurance process. In a life emergency condition, TATA AIG would provide up to $1500 per policy.

It also covers bounced bookings of hotels and airlines respectively. It is one of the best travel insurance from India to the UK. This insurance is mainly for senior citizens. This covers all medical and non-medical expenses of senior citizens during their stay in the UK.

  1. Religare Travel Insurance

Religare Travel Insurance is the Sixth Best Travel Insurance in India which covers many pre-existing elements and also contains a sum of 10% of the total sum of insurance. It also provides a double sum cover (up to $1000K) in case of an accidental cause. It also includes a medical benefit for the upgrading of business class in 5 days of hospitalization.

  1. Reliance Travel Insurance

Reliance Travel Insurance is the Seventh Best Travel Insurance in India which provides cashless hospitalization across the world. This travel insurance is generally issued instantly with no medical checkup in emergency cases. Although, Reliance does not cover claims of non-declared and non-disclosed pre-existing medical conditions relatively during hospitalization.

  1. Future Generali Travel Insurance

Future Generali Travel Insurance is the Eighth Best travel Insurance in India which offers global travel protection with some specified customized plans and 24 x 7 toll – free service in emergency need across the world. These travel insurance plans generally include a designed plan for travel to some Asian countries (excluding Korea and Japan) and European countries according to Schengen Visa. This travel insurance also provides medical advice over the phone and provide essential medicines in an emergency case. The medical tests are waived off during that insurance. It also permits an automatic extension of the travel insurance for 7 days of the week.

  1. HDFC Ergo Travel Insurance

HDFC Ergo Travel Insurance is the Ninth best travel Insurance in India that covering medical expenses for $30,000 to $500,000. This travel insurance generally covers 8 Lac+ cashless wide range of hospital networks across the world and has partnered with Allianz Worldwide. It is the only insurance in India as well as other countries that provide travel benefits of up to $3000.

  1. IFFCO Tokio Travel Insurance

IFFCO Tokio is the Tenth Best travel insurance in India.  The best thing about this insurance is that it can allow you to pay through net banking, cards,  and even Paytm wallet. This insurance scheme provides 20 days of hospitalization allowances. Apart from that, It does not cover pre-medical conditions during traveling. It is also known as the best international travel insurance.

Benefits of Travel Insurance in India

There are many benefits of Best Travel Insurance in India from which some are as follows:

  1. Medical expenses

Falling ill during a journey can be very problematic. Not only spoilt your trip but also you have to spend money on treating your illness.  Domestic travel insurance in India provides such medical expenses so that you do not have to face any financial losses during the trip.

  1. Luggage Loss

Whether you travel light or with lots of luggage, the loss of such baggage can prove to be a major impediment in your trip. Not only is there a loss of luggage but also of time and effort in managing your trip will go in waste. Domestic travel insurance in India offers you for loss of baggage due to theft or otherwise in all situations.

  1. Personal Accident Cover

Accidents can happen anywhere, anytime. Therefore, the best travel insurance in India covers travelers against injuries faced during their journey. Accidental death and disability are also covered at that time.

  1. Flight Delay

There can be authentic reasons for a delay in your flight or It can be traumatic to miss a connecting flight for any reason. The best travel insurance in India provides a cover against such types of risks.

  1. Personal Liability

There is a chance that your actions while on a trip can cause damage to other person or their property by mistake or for any reason. In such type of cases, The best travel insurance in India policy can come always be for your help

  1. Emergency Cash

Travel insurance companies know the importance of cash while traveling and make it available during difficult situations.

  1. Eligibility Criteria

You know that if you are in the age group of 18 to 65 and are traveling in India via airways, roadways,  or railways. At that time Your insurance company might also want to know the duration of your trip, your health condition, and other important details that they want.

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About the author

Deepika Gupta

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