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International Travel Insurance

Going for international travel is exciting, but it also involves risk. Whether the travel is for pleasure or business purpose, there is always a fear of the unexpected. The risk a traveler has to face may vary and it depends on the value of lost luggage, loss incurred due to flight delay/cancellation, loss of personal documents, your medical condition, and many others. You have enough things to worry when traveling abroad.

In order to cover the risks/losses involved while travelling abroad, you can buy international travel insurance. Having an international travel insurance plan ensures you a safe trip. It provides coverage against medical expenses, trip delay/cancellation and many more.

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Buying an international travel insurance provides medical cover that takes care of all hospitalization and medical expenses, incurred during the journey. It covers several unforeseen contingencies such as loss of baggage, loss of passport, trip delay, trip cancellation, etc. An international travel insurance plan also ensures peace of mind, as it covers any loss or damage during the travel. It makes you feel a sense of safety in a foreign land.

Coverage Available

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

Health Cover: Good health is crucial, while travelling abroad. A travel insurance policy takes care of your medical expenses arising from illness, injury or other medical condition, so you can focus on enjoying the holiday. Getting medical treatment is also quite expensive, it’s always wise to get medical cover under a travel insurance plan.

Trip Cancellation/Interruption: Trip cancellations and interruption are the major obstacles of your trip. Cancellation of the trip also lead to loss of the amount already paid towards booking air travel/hotel accommodation. A travel insurance plan reimburses you for pre-paid and non-refundable expenses. A trip interruption/delay coverage under the policy also covers you, while you are on a trip.

Loss of Personal Belongings: In case of loss of baggage during the transit, with a travel insurance plan you can get compensation against the losses incurred up to the maximum of the sum insured under the policy. The insurance company also helps you recover the baggage. Losing personal documents such as passport, tickets, etc may ruin your journey and thus, the insurance company helps you get rid of inconvenience caused. The company also takes care of the related expenses incurred.

Personal Liability: Compensation for damages to a third party, arising from any damage to property, bodily injury or death, is covered under a travel insurance policy.

Hijacking: In the event of hijacked of your common carrier in which you are traveling, some insurance companies pay you a distress allowance.

24x7 Assistance: There are insurance companies that offer assistance to the insured while on travel towards lost luggage, general assistance, pre-departure services, legal assistance, and many more.

Accidental Death and Dismemberment: When going for an international trip, you should get coverage against unfortunate events such as death or dismemberment. Some insurance companies also provide worldwide coverage against accidental death & dismemberment, when you are travelling abroad.

Emergency Medical Evacuation: In case of any emergency medical condition, the expenses incurred towards the evacuation and transportation of the insured for immediate and quality medical care are also covered under travel insurance policies.

Repatriation of Remains: In the event of death of the insured during the international travel, the cost incurred in transportation of remains to the home country is covered, subject to terms applicable under the policy.

Automatic Extension of the Policy: Insurance companies offering international travel insurance also provide the insured with an option to extend the policy up to a period of 7 days from the policy expiry date. This option is really helpful, in case of any unexpected delay in the trip.

Best International Travel Insurance Plans

International Travel Insurance Plans Eligibility Criteria Key Benefits Add-ons
Tata AIG Travel Guard 6 months to lifetime
  • 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
Not Available
Royal Sundaram Travel Insurance 90 days to 70 years
  • Overseas Health Cover
  • Emergency Dental treatment
  • Repatriation of remains
  • Hospital Daily Allowance
  • Accidental Death & dismemberment
  • Loss of Checked Baggage
  • Baggage Delay
  • Loss of Passport, Visa
  • Hijack Distress Allowance
  • Trip Delay
  • Personal Liability
Not Available
ICICI Lombard International Travel Insurance Single Round Trip 3 months to 70 years, 71 to 85 years (senior citizens)
  • Total loss of Checked In Baggage
  • Emergency Hotel Extension
  • Cashless hospitalization facility worldwide
  • Trip Cancellation & Interruption Reimbursement
  • Compassionate Visit
  • Political Risk and Catastrophe Evacuation
  • No medical test required
  • Value Added Services for Dependents in India
Not Available
Explore- International Travel Insurance 1 day to lifetime
  • In-patient Care
  • Life Threatening Condition for PED
  • Out-patient Care
  • Compassionate Visit
  • Daily Allowance
  • Return of Minor Child
  • Dental Expenses
  • Repatriation of Mortal Remains
  • Trip Delay
  • Trip Cancellation & Interruption
  • Delay of Checked-in Baggage
  • Loss of Checked-in Baggage
  • Personal Liability
Extra coverage is available on the basis of plan option chosen

Benefit Illustration

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

In case, you have opted for Tata AIG Travel Guard Policy, you can get coverage for the following scenarios.

Accidental Death & Dismemberment: This policy compensates up to 100% of the principal sum for the loss of life. It also provides coverage for dismemberment up to a certain percentage of the sum insured, as applicable under the policy. In case of loss in both ears, you can get coverage up to 50% of the principal sum.

Accident & Sickness Medical Expenses: This policy reimburses the reasonable charges for covered medical expenses up to the maximum limit, as specified under the policy.

Sickness Dental Expense: This policy pays for immediate Dental Treatment occurring due to sudden acute pain during an overseas journey by the insured. These benefits are provided for medically necessary filling of the tooth or surgical treatment, services, or supplies.

Assistance: Under this policy, you can get assistance for medical evacuation, repatriation, medical assistance, lost luggage or passport, pre-departure services, general assistance.

International Travel Insurance General Exclusions

  • Traveling against the advice of the physician
  • Pre-existing ailments & related complications
  • Suicide or attempted suicide
  • Intentional self-injury
  • War
  • Terrorism
  • Illegal acts
  • Dangerous sports, 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