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Best Travel Insurance Companies in India

Updated on July 17, 2025 , 27293 views

Want to know best Travel Insurance companies in India? You are at the right place! But, before getting into it, let us briefly look at the essentials of this insurance plan. This policy provides coverage against losses incurred during your travel such as trip delay, loss of passport, loss of baggage, medical expenses, Personal Accident, trip cancellation, etc.

Travel Insurance policy can be bought for a single trip or for multiple trips. It is designed as per consumer requirements, amongst which, various plans include -

International Travel Insurance
Student Travel Insurance
Senior Citizen Travel Insurance
Business Travel Insurance
Individual Travel Insurance
Travel health insurance

How to Choose Best Travel Insurance Plan?

Travel Insurance works as a shield against any loss during transit. Therefore, opting for the best travel insurance policy matters a lot. When looking for travel plans, make sure you are considering these following parameters.

Adequate Cover

Make sure you have the following covers in a plan-

Medical cover
Cashless hospitalisation
Loss of baggage, passport, travel papers, driving license, etc.
Delay or missed in trip
Flight related accidents
Relief benefits in case of hijack.

Renewable Features

Renewability feature has great benefits. It can save your money and time. You can choose this option to continue your existing policy before an expiry date. Also, if you want to renew a policy, any medical condition that may have occurred during your previous plan will be exempt from the clause 'pre-existing condition'. Instead, if you buy a new plan, it would be considered as a pre-existing condition but you may be charged extra cash to get it covered.

Refund Policy

Sometimes, due to various reason you may need to change your travel plans or may need to cancel the tickets. In such cases, some of the best travel insurance plans in the Market tend to provide a partial refund (if mentioned in their claim process). While travelling, make sure you have the contact details of the insurer handy at all times.

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Best Travel Insurance Companies in India

As per the market demand and consumers interest, many Insurance companies are adding a division of travel insurance. But, when it comes to buying a travel plan, one should always choose the best travel insurance company. Therefore, here's a list of some insurance companies that fall under the top travel insurers in India.

ICICI Lombard Travel Insurance
TATA AIG Travel Insurance
United India Travel Insurance
Royal Sundaram Travel Insurance
HDFC ERGO Travel Insurance
Bajaj Allianz Travel Insurance
Reliance Travel Insurance

ICICI Lombard Travel Insurance

ICICI Lombard Travel Insurance ensures you stay assured of good healthcare and other travel securities while abroad. You can avail plans that offer cashless hospitalisation facilities across the globe.

Single Trip Plan
Multi Trip Plan

Plan	Coverage
Single Trip Plan	The plan offers overseas hospitalisation coverage, trip cancellation and interruption cover, daily hospitalisation allowance, emergency hotel extension, assurance for your frequent trips, cashless hospitalisation Facility worldwide, coverage for total loss of checked-in baggage including handbag.
Multi Trip Plan	The plan gives assurance for your frequent trips, cashless hospitalisation facility worldwide, coverage for total loss of checked-in baggage including handbag, etc.

TATA AIG Travel Insurance

While travelling your passport could be lost, or your baggage, in fact anything can happen. To avoid such scary scenarios the wise thing is to have travel insurance. A good comprehensive plan can take care of events that can go wrong. Ensure you buy a plan that suits the best as per your travel needs.

International Travel Insurance
Domestic Travel Insurance

Plan	Coverage
International Travel Insurance	The plan covers baggage delay, baggage loss, trip curtailment, trip cancellation, missed connection/departure, bounced hotel or airline booking, loss of passport, home burglary, hijack, personal liability, fraudulent charges, automatic extension of policy up to 7 days, accident & sickness medical expenses, dental expenses, etc.
Domestic Travel Insurance	The plan covers missed departure, loss of tickets, personal liability cover, emergency medical evacuation, accidental medical expenses benefit, accidental death or dismemberment benefit, repatriation of remains, family transport, replacement of staff (business trip only), in-hospital indemnity, etc.
Student Travel Insurance	The travel policy plan covers sponsor protection, missed connections / missed departure, fraudulent charges (payment card security), personal liability, hijack cash benefit, loss of passport, bail bond, study interruption, compassionate visit, etc.
Senior Citizen Travel Insurance	The plan covers accident & sickness medical expenses, accidental death and dismemberment, dental treatment, emergency medical evacuation, repatriation of remains, automatic extension of the policy, baggage loss and delay, etc.

United India Travel Insurance

Travellers going abroad on business & holiday trips can avail this policy. The Overseas travel policy by United India offers a host of benefits that will ensure a safe and hassle-free trip in abroad.

Plan	Coverage
Overseas Travel Policy	The plan covers expenses incurred towards medical treatment - accident / disease sustained, loss of passport, In-flight personal accident, etc.

Royal Sundaram Travel Insurance

Travel Insurance policies by Royal Sundaram protect you from unforeseen circumstances that may occur during your abroad travel. The expenses incurred includes medical and non – medical emergencies, while you travel abroad. Here are the following Royal Sundaram Travel Insurance plans -

Leisure Travel Insurance Plan
Multi Trip Travel Insurance Plan
Student Travel Insurance Plan
Asia Travel Insurance Plan
Senior Citizen Travel Insurance Plan

Plan	Coverage
Leisure Travel Insurance Plan	The plan covers medical expenses, sickness dental relief, daily cash allowance, accidental death & dismemberment, accidental death & dismemberment repatriation of mortal remains, delay or loss of checked-in baggage, loss of passport, personal liability, trip delay, hijacking, benefit of automatic extension, emergency cash, emergency hotel extension, loss of baggage, etc.
Multi Trip Travel Insurance Plan	The plan offers coverage for medical expenses, sickness dental relief, daily cash allowance, accidental death & dismemberment (24 hours), accidental death & dismemberment repatriation of mortal remains, delay of checked-in baggage, loss of checked-in baggage, loss of passport, personal liability, trip delay, hijacking, emergency cash, advance trip cancellation, etc.
Student Travel Insurance Plan	The minimum age of entry must be 12 years. The plan covers following expenses, medical, sickness dental relief, accidental death & dismemberment (24 hours), delay of checked-in baggage, loss of checked-in baggage, loss of passport, personal liability, trip delay, hijacking, treatment for mental and nervous disorders, cancer screening, child care benefits, coverage for pre-existing conditions, ambulance charges, physiotherapy, loss of laptop.
Asia Travel Insurance Plan	The plan covers following expenses, medical (including medical evacuation), sickness dental relief, accidental death & dismemberment (24 hours), accidental death & dismemberment repatriation of mortal remains, delay of checked-in baggage, loss of checked-in baggage, loss of passport, personal liability, trip delay, hijacking benefit, emergency cash, advance trip cancellation, compassionate visit.
Senior Citizen Travel Insurance Plan	The plan covers medical expenses (including medical evacuation), sickness dental relief, accidental death & dismemberment (24 hours)repatriation of mortal remains, delay of checked-in baggage, loss of checked-in baggage, loss of passport, personal liability, trip delay, hijacking benefit, emergency cash, advance trip cancellation, missed connections/departures, political risk, difference in airfare, assistance services.

HDFC ERGO Travel Insurance

HDFC ERGO Travel Insurance offers affordable and dependable policy. It ensures utmost commitment. It covers vast expenses such as emergency medical expenses, emergency dental expenses, medical evacuation, hospital daily cash allowance, medical & body repatriation, accidental death, etc.

To cater to vast insurance choices of people, HDFC travel plans have various options to choose from:

Travel Insurance for Individuals
Travel Insurance for Family
Student Suraksha Travel Insurance Policy
Frequent Flyer Insurance

Plan	Coverage
Travel Insurance for Individuals	The plan covers personal liability, financial emergency assistance, hijack distress allowance, flight delay, hotel accommodation, loss of baggage & personal documents, loss of checked-in baggage, delay of checked-in baggage, emergency medical expenses, emergency dental expenses, medical evacuation, hospital daily cash allowance, medical & body repatriation, accidental death, permanent disablement.
Travel Insurance for Family	The plan offers worldwide coverage. You get cover of emergency medical expenses, emergency dental expenses, medical evacuation, hospital daily cash allowance, medical & body repatriation, accidental death, permanent disablement, personal liability, hijack distress allowance, emergency medical expenses, emergency dental expenses, medical evacuation, hospital daily cash allowance, medical & body repatriation, accidental death, permanent disablement.
Student Suraksha Travel Insurance Policy	The policy offers coverage of personal liability, Bail Bond, study interruption, sponsor protection, compassionate visit, loss of passport,emergency medical expenses, emergency dental expenses, medical evacuation, body repatriation, accidental death, permanent disablement, etc.
Frequent Flyer Insurance	The policy covers a vast network of hospitals, endless trips, easy renewals, emergency medical expenses, emergency dental expenses, medical evacuation, hospital daily cash allowance, medical & body repatriation, accidental death, permanent disablement, personal liability, financial emergency assistance, hijack distress allowance, flight delay, hotel accommodation, etc.

Bajaj Allianz Travel Insurance

Having a right travel insurance policy covers many emergency expenses as well as safeguards you against mishap. It gives you a strong security so that you can travel freely. Following are the travel policies you can take depending on your needs and budget.

Individual Travel Insurance
Family Travel Insurance
Corporate Travel Insurance
Student Travel Insurance
Group Travel Insurance
Domestic Travel Insurance
International Travel Insurance
Schengen Travel Insurance
Single Trip Travel Insurance
Multiple Trip Travel Insurance

Plan	Coverage
Individual Travel Insurance	The plan covers benefits like accidental emergencies, accidental death, medical services expenses, dental expenses, baggage loss, passport loss, etc.
Family Travel Insurance	The plan covers medical expenses, personal liabilities, loss of baggage, loss of passport, delay in the baggage, etc.
Senior Citizen Travel Insurance	The benefits covered under this plan are unpredictable financial crisis during travels, such as repatriation of mortal loss. It also covers medical bills, loss or delay of check-in baggage, emergency medical evacuation, etc.
Corporate Travel Insurance	The coverage under this travel insurance plan is basic medical expenses, flight delay, baggage loss, missing connecting flights, etc.
Student Travel Insurance	It covers the basic overseas travel insurance covers along with some add ons. The benefits are bail bond, medical evacuation, study interruption, sponsor protection, etc.
Group Travel Insurance	The plan covers the group going from India or within the domestic borders of India. It covers personal accidents and baggage coverage, but it depends upon the limit per person of the group.
Domestic Travel Insurance	The benefits include medical coverage, personal accidents, and loss of baggage, etc.
International Travel Insurance	It covers several factors such as medical and dental expenses, loss of baggage, loss of passport, trip cancellation, flight delays, etc.
Schengen Travel Insurance	This travel plan covers medical expenses, loss of passport, delay in check-in baggage arrival, loss of check-in baggage, personal accident cover, accidental death and dismemberment and personal liabilities.
Single Trip Travel Insurance	The plan covers expenses like medical emergencies, baggage loss or delay on check-in baggage, non-medical covers, etc.
Multiple Trip Travel Insurance	Medical emergencies and non-medical ones like loss of passport, personal liabilities, emergency medical evacuation, loss or delay of check-in baggage, etc., are covered in the plan.

Reliance Travel Insurance

Travel light and leave your worries behind with Reliance Travel Insurance. You get a wide Range of tailored plans so that you can easily pick as per your travel needs.

International Travel
Schengen Travel
Aisa Travel
Annual Multi Trip
Senior Citizen Travel
Student Travel

Plan	Coverage
International Travel	The plan offers coverage against lost passport, lost checked-in baggage, trip delays, missed connection, financial emergency assistance, compassionate visit, home burglary insurance, etc. The plan is designed specially for Asia, Schengen, USA & Canada, etc.
Schengen Travel	The plan offers covers on medical expenses, loss of passport, total loss of checked-in baggage, delay of checked-in baggage, compassionate visit, etc.
Asia Travel	This plan offers coverage on medical expenses, loss of passport, total loss of checked-in baggage, delay of checked-in baggage, trip delay (coverage for 6 days max), financial emergency assistance, etc.
Annual Multi Trip	Get benefits & cover on medical expenses, loss of passport, total loss of checked-in baggage, delay of checked-in baggage, daily allowance in case of hospitalisation (25 per day), trip delay, trip cancellation & interruption, missed connection, compassionate visit, home burglary insurance, etc.
Senior Citizen Travel	This travel plan covers expenses on medical, loss of passport total loss of checked-in baggage, delay of checked-in baggage, daily allowance in case of hospitalisation (25 per day), financial emergency assistance, hijack distress allowance, trip delay (6 days max), trip cancellation & interruption, missed connection, home burglary insurance, etc.
Student Travel	The plan covers medical expenses, loss of passport, total loss of checked-in baggage, 2 way compassionate visit, study interruption, etc.

Conclusion

Travel insurance is a booming Industry. Every company has something different to offer, with different premium. It is, therefore, advisable to check their claim process, their covers and the kinds of benefits you may get. Remember, always opt for-Best Travel Insurance Company!

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.