Never Get Stranded Without Cover — Anywhere in the World

Which Travel Insurance Plan Do You Need?

Three main types — choose based on how often you travel and your destination.

What's Covered — and What's Usually Excluded

A comprehensive travel policy bundles several distinct types of protection. Here's what to expect.

Common exclusions to watch for

• Pre-existing medical conditions — usually excluded unless a specific PED add-on is purchased.
• Travel against medical advice — if you travel despite a doctor advising against it, related claims will be denied.
• Adventure sports — activities like skiing, scuba diving or bungee jumping often need a separate add-on.
• Travel to countries under government advisory — claims may be void if you travel to a region India has issued an advisory against.
• Self-inflicted injury, intoxication-related incidents, and war/terrorism (though some policies do cover terrorism — check specifically).
• Cosmetic, dental (beyond emergency), and routine check-ups — travel insurance is for emergencies, not routine care.

Complete Comparison — All 10 Travel Insurance Plans

Indicative premiums for a 15-day international trip (Europe/Schengen), $50,000 medical cover, age 35. Updated June 2026.

Plan	15-Day Premium*	Sum Insured Range	Claim Ratio	Max Cover	Plan Variants	Entry Age	Review
Travel Ace Bajaj Allianz	₹195	$50K – $500K	93.54%	$5,00,000	Standard, Silver, Gold, Platinum, Super Age	Up to 99 yrs	Review
TripSecure+ ICICI Lombard	₹300	$50K – $500K	91.2%	$5,00,000	Silver, Gold, Gold Plus, Platinum	Up to 99 yrs	Review
TravelAssure Niva Bupa	₹300	$50K – $500K	90.8%	$5,00,000	Lite, Basic, Comprehensive, Honeymooners, Sports & Adventure	Up to 99 yrs	Review
Travel Guard International Plus Tata AIG	₹338	$50K – $1M	94.1%	$10,00,000	Silver, Gold, Platinum, Titanium, Senior	Up to 99 yrs	Review
Travel Explorer HDFC Ergo	₹465	$40K – $1M	95.3%	$10,00,000	Silver, Gold, Platinum, Titanium	Up to 99 yrs	Review
Happy Traveller Digit	₹395	$50K – $500K	89.6%	$5,00,000	Single Trip, Multi-Trip Annual	Up to 99 yrs	Review
Travel Care IndusInd (Reliance)	₹450	$15K – $500K	87.34%	$5,00,000	Asia Standard/Silver, Schengen Basic/Standard, Corporate Standard/Plus/Elite	Up to 90 yrs	Review
International Travel Insurance Care Health	₹550	$10K – $1M	90.1%	$10,00,000	Per-day customisable plans	No max age	Review
Overseas Travel Ease (Elite) New India Assurance	₹480	$25K – $500K	96.4%	$5,00,000	Basic, Economy, Advanced, Elite, Supreme	Up to 70 yrs	Review
Travel Insurance (Business & Holiday) SBI General	₹500	$50K – $500K	88.7%	$5,00,000	Business, Holiday — Single & Multi-Trip	6 months – 70 yrs	Review

* Indicative premiums for a 15-day international trip (Europe/Schengen), $50,000 medical cover, age 35. Actual premiums vary by age, destination, trip duration and sum insured selected. Data updated June 2026.

International vs Domestic Travel Insurance

Key differences to help you choose the right cover for your trip.