By HDFC ERGO General Insurance
Indicative starting premium - approximately ₹465 for a 15-day international trip. Actual premium varies by destination, duration, age, and sum insured chosen.
What makes HDFC ERGO Travel Explorer stand out from the competition
Wide global network of cashless hospitals so you don't need to pay upfront and seek reimbursement during a medical emergency abroad.
The Platinum variant offers cover up to $1,000,000 - ideal for travel to high medical-cost countries like the USA and Canada.
Covers emergency evacuation and repatriation of mortal remains up to the medical sum insured if the worst happens overseas.
Compensation for loss of checked-in baggage and reimbursement for essential purchases if your baggage is delayed.
If your trip is medically extended, the plan covers additional accommodation costs incurred during the extended stay.
Lump-sum payout in case of accidental death or permanent disability while travelling, providing financial security to your family.
Get compensation for meals and refreshments if your flight is delayed beyond the specified threshold.
Available for individuals, families, students, and business travellers with variant choices from Silver to Titanium.
A comprehensive look at what is and is not covered under HDFC ERGO Travel Explorer (Platinum)
| Coverage Feature | Details | Status |
|---|---|---|
| Emergency Medical Treatment | Up to $1,000,000 (Platinum) | Fully Covered |
| Hospitalisation (Accident & Sickness) | Cashless network worldwide | Covered |
| Medical Evacuation & Repatriation | Up to medical sum insured | Covered |
| Dental Emergency | Sudden acute dental pain relief | Covered |
| Trip Cancellation | Reimbursement of pre-paid costs | Covered |
| Trip Interruption/Curtailment | Covers unused trip costs | Covered |
| Missed Connection | Due to covered delays | Covered |
| Flight Delay | Meal/refreshment compensation | Covered |
| Baggage Delay | Reimbursement of essentials | Covered |
| Loss of Checked Baggage | Lump-sum compensation | Covered |
| Loss of Passport | Cost of obtaining duplicate passport | Covered |
| Personal Accident (Death/Disability) | Lump-sum benefit | Covered |
| Personal Liability | Third-party liability cover | Covered |
| Hijack Cover | Daily allowance during hijack | Covered |
| Daily Cash for Hospitalisation | Per day cash allowance | Covered |
| Pre-existing Diseases | Emergency stabilisation only | Partial |
| Adventure Sports | Available as optional add-on | Add-on |
| COVID-19 Cover | Treatment expenses included | Covered |
This plan is best suited for the following profiles
With sum insured up to $1 million in the Platinum variant, this plan suits families heading to high medical-cost destinations where treatment costs can run into lakhs of rupees per day.
Those who travel abroad regularly for work or leisure benefit from cashless hospital network access and emergency evacuation cover available worldwide.
Variants from Silver to Titanium let students and business travellers pick a cover level that matches their budget and trip duration.
With entry age up to 99 years (subject to age-based loading), elderly family members can also be covered under this plan.
An honest assessment of HDFC ERGO Travel Explorer
Common queries about HDFC ERGO Travel Explorer travel insurance
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