Get Quotes from Top Insurers with Lowest Premium
Enter Details > Get Quotes > Buy Your privacy is protected.
Unbiased information on plans from varied insurance companies
Easy comparisons to choose the best insurance plan
No hidden costs, pay the same premiumas offered by the insurer
Pre and post sales expert assistance for smooth online buying experience
Reliable, Accurate and Quick policy servicing
Our representative will get back to you soon.
You can also directly contact us at

Individual Travel Insurance

Any individual when travelling within India or abroad become susceptible to risks such as hospitalization, lost baggage, personal accident, etc. Facing contingencies become more crucial when travelling in a foreign land. There must be a back-up that can help you out to get away from any inconveniences. Individual Travel Insurance comes to rescue.

An Individual Travel Insurance policy provides cushion to individual travelers against any financial losses incurred due to any eventualities occurred while travelling. This travel insurance policy ensures a complete peace of mind, when no one is there to assist you.

Get Affordable Quotes


An individual travel insurance provides cover for a single person against expenses arising due to emergency medical treatment or any other emergency medical assistance. Buying an individual travel insurance plan also provides protection against other contingencies such as lost tickets & passport, loss or delay of baggage, trip cancellation, curtailment & interruption, etc. With this travel insurance policy, you can get coverage against personal accident and personal liability.

Buying an individual travel insurance policy provides a comprehensive coverage against such eventualities.

Coverage Available

Following is the coverage available under an individual travel insurance policy.

Emergency Medical Treatment: An individual travel insurance policy covers the cost of emergency medical treatment. It also covers the cost of emergency medical assistance, generally getting someone to hospital such as the cost of road ambulance or air ambulance. Although, you must check whether it is covered under the policy.

Trip Cancellation, Curtailment & Interruption: It covers any loss, such as non-refundable transport costs resulting from cancellation, cut short your trip or need to return home early. You need to provide a valid reason to claim and it may differ from one policy to another.

Loss of Baggage/Personal Belongings: If your checked-in baggage is lost, this travel insurance policy covers you against the cost of articles lost, as specified under the policy terms. Expenses you incur, in case of delay of baggage are also covered. In the event of loss of personal belongings such as passport, actual expenses incurred in getting a duplicate or fresh passport is reimbursed.

Accidental Death & Disablement: It covers the risk of accidental death and disablement sustained during the travel. It pays compensation in case of loss of life or disablement in an accident, up to a limit specified under your policy.

Medical Evacuation: This travel insurance policy provides cover against expenses incurred in the event of medically necessary evacuation to a hospital in India. You need to double check with your insurer about the terms related to medical evacuation.

Repatriation of Remains: In case of your demise during the travel, it covers the cost involved in returning the body to your home country.

24/7 Assistance: When travelling in a foreign country, you may need multi-lingual support to locate medical care, track lost luggage, emergency transportation, and much more. With an individual travel insurance, you can avail round the clock support.

Personal Accident: It provides cover against personal accident when occur during the travel. Some insurance companies offer personal accident cover.

Personal Liability: It provides compensation towards damages to a third party, including any damage to property, bodily injury, or death.

Hijack: In case of hijack of the common carrier in which you are traveling, some insurance companies offer hijack benefit. You need to check about the terms applicable to hijack benefit.

(The cover available may differ from one plan to another.)

Best Individual Travel Insurance Plans

Individual Travel Insurance Plans Eligibility Criteria Key Benefits Add-ons
Apollo Munich Easy Travel Individual Plan* 6 months to 70 years
  • Medical Treatment
  • Dental Treatment
  • Repatriation of Mortal Remains
  • Loss of Passport
  • Personal Accident
  • Personal Liability
  • Hijack Daily Allowance
  • Total Loss/Delay of Checked-in Baggage
  • Financial Emergency Cash
  • Hospital Daily Allowance
  • Trip Delay
  • Trip Cancellation
  • Trip Curtailment
  • Missed Connection
Not Available
Bajaj Allianz Travel Prime Individual* 1 year to 70 years
  • Medical Expenses and Evacuation
  • Emergency dental pain relief
  • Repatriation
  • Loss of Checked Baggage
  • Personal Accident
  • Accidental Death & Disability
  • Loss of Passport
  • Personal Liability
  • Hijack cover
  • Trip Delay
  • Hospitalization Daily Allowance
  • Golfer’s Hole-in-one
  • Trip Cancellation
  • Trip Curtailment
  • Delay of Checked Baggage
  • Home Burglary Insurance
  • Emergency Cash Benefit
  • Missed Connection
  • Difference in Airfare due to delayed or early return
  • Bounced Hotel
  • PA Cover in India
Not Available
HDFC EEGO Individual Travel Insurance 6 months to 70 years
  • Emergency medical expenses
  • Personal Accident
  • Flight delays
  • Delay of Checked Baggage
  • Loss of baggage & personal documents
  • Personal Liability
  • Personal Accident (Common Carrier)
  • Hospital Cash
  • Emergency Dental Treatment
  • Medical Evacuation
  • Repatriation
  • Loss of Checked Baggage
  • Financial Emergency Assistance
  • Hijack Distress Allowance
  • Contingency Travel Benefit
Not Available
Tata AIG Travel Guard 6 months and up to life
  • Accident & Sickness Medical Expenses
  • Checked Baggage Loss
  • Baggage delay
  • Loss of Passport
  • Personal Liability
  • Hijacking
  • Flight Delay
  • Automatic-extension of the policy
  • Accidental Death And Dismemberment
  • Sickness Dental Expense
Extra coverage is available on the basis of plan option chosen
(Benefits applicable depending on the plan variant opted)

Benefit Illustration

Let’s understand the benefits of an Individual travel insurance policy with the help of an illustration.

In case, you have opted for Bajaj Allianz Travel Prime Insurance Plan, you can get coverage for the following scenarios.

Medical Expenses & Medical Evacuation: This plan will indemnify the insured for the medical and related expenses incurred for medical treatment outside India. Dental Services for immediate relief of dental pain are also covered, as per the amount specified under the policy schedule. Medical evacuation to a hospital in India due to an accidental bodily injury/sickness/disease during an insured journey.

Personal Accident: If the insured sustains accidental bodily injuries during the journey resulting to insured’s death or Permanent Total Disablement within 12 months of the bodily injury. The company pays 50% of the Sum assured in respect of the death of the insured Person if the insured person’s age is under 18 years. For Proposer and earning spouse, it is 100 % of sum assured. For Non earning spouse and every additional adult, it is 50% of Sum Assured. For Child, it is 25% of Sum Assured.

Repatriation of Remains: In case of your demise during the trip due to Accidental Bodily Injury and/or Sickness and/or Disease, expenses incurred to return insured body to India is covered up to a maximum amount as specified under the policy.

Loss of Checked Baggage: This policy will pay the Insured up to the Sum Assured specified in the Schedule in respect of the complete and permanent loss or destruction of the Insured’s Checked Baggage.

Accidental Death & Disability (Common Carrier): The policy pays the sum insured as specified, in addition to the sum insured specified under the personal accident benefit. This benefit is payable when the insured sustains Accidental Bodily Injury during the course of the insured’s overseas journey while travelling in a common carrier.

Loss of Passport: In the event of Insured’s loss of passport, the Company will pay Insured Sum Assured (less the deductible) as specified in the Schedule towards expenses necessarily incurred by the Insured in obtaining a duplicate passport.

Emergency Cash Benefit: It is payable, when the insured person requires emergency cash flow following incidents like theft/burglary of luggage/money or hold up.

Golfer’s Hole-in-one: The insurer will reimburse expenses incurred in celebration of achieving a hole-in-one by the insured during the trip, anywhere in the world excluding India, in a United States Golfers’ Association (USGA) recognized golf course, subject to the limits specified.

Home Burglary Insurance: The policy will indemnify the insured for claims made in respect of loss of or damage to the contents of the insured’s home in India caused by actual or attempted Burglary and/or Robbery during the policy period.

Bounced Hotel: In case of the Insured Person not getting hotel services booked on confirmed basis with the suppliers, the Insured would be reimbursed 90% of the cost of, expenses relating to transportation to the alternative hotel, cost of up gradation to a superior class of hotel if required, up to the Sum Insured as specified under the policy.

There are several other benefits available under this policy, including Hijack Cover Trip Delay, Trip Cancellation, Trip Curtailment, personal liability, and missed connection.

Individual Travel Insurance General Exclusions

  • Pre existing medical condition or complication arising from it
  • Medical expenses after expiry of the policy period
  • Suicide, attempted suicide or willfully self-inflicted injury/illness
  • Mental disorder, anxiety/stress/depression/nervousness
  • Pregnancy, childbirth & its complications
  • Any breach of law with criminal intent
  • Traveling abroad for obtaining medical treatment
  • Experimental or unproven treatment, etc.
(Note: The exclusions may vary from one insurer to the other)
Travel Insurance Companies

ICICI Lombard Travel Insurance

SBI Travel Insurance

TATA AIG Travel Insurance

Bajaj Allianz Travel Insurance

HDFC ERGO Travel Insurance

Reliance Travel Insurance

Royal Sundaram Travel Insurance

BHARTI AXA Travel Insurance

Future Generali Travel Insurance

IFFCO Tokio Travel Insurance

Religare Travel Insurance

Cholamandalam Travel Insurance


Apollo Munich Travel Insurance