Tips to Find The Best Indian Tourism Insurance

Finding best tourism insurance in India

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Travelling is exciting and rejuvenating but don’t let any kind of unfortunate and unexpected incident spoil your trip. Travelling abroad is always an exciting experience, but it comes with its own risks. While one can trust in planning and their ability to handle emergencies, unforeseen situations can arise for both medical and non medical reasons…and foreign countries are very expensive when it comes to most things, especially medical emergencies.

Whenever you set to go on a holiday, be sure that you choose an ideal best travel insurance policy to cover your trip. This will ensure you have a perfect stress free holiday. Why risk ruining your vacation for something that could be taken care of easily by buying travel insurance prior to your trip?
Travel Insurance Tips
Comparison of Coverages

Comparison of Coverages

Compare the benefits (coverages) and advantages that each travel insurance plan is offering. When you opt for the best travel insurance plan it is advisable to go beyond the premium payable for the plan and understand the coverages that the insurance company is providing for the premium. It is possible that you may have an insurance plan at a very competitive premium, but with a higher deductible for Accident & Sickness…or a cheaper plan but without coverage for Pre Existing conditions…

When you go through, you get to see a detailed comparison of the respective offerings by all leading insurance companies offering Travel Insurance. There are FAQ’s available to answer any additional clarifications one may have. Please do not compromise coverage for premium.

Destination of Travel

One of the most important tasks before leaving on your trip is to do some research on your destination. The destination you are visiting may not have the same laws or regulations you are used to in the States. Be aware of dress codes (formal or not) in your destination and be careful of any drugs (even prescription or over-the-counter ones) you might want to take with you. Never accept bags from strangers in airports, particularly in other countries, nor agree to carry something (even if it seems harmless) for someone else. If you don't want to stand out, leave your baseball caps and clothes with lettering/logos at home. Women should be sure short pants, short skirts, tank tops, etc. are acceptable where they are traveling. Most other cultures dress more formally and modestly than what we are used to State-side.

Holiday – what’s on the Itinerary?

Are you planning an adventurous trip like Bungee Jumping, Scuba Diving, Trekking across difficult terrains, going for skiing, kayaking, river rafting or other water sports? A basic travel insurance policy will not cover the risks involved in these adventure activities. So the ideal travel insurance policy for you will include a special coverage for Adventure Sports with an additional cost. Similarly if you have already made advance payments for your air/hotel/taxi/cruise bookings etc, it is advisable to buy an insurance plan which covers Trip Cancellation/Curtailment, in case your trip needs to be cancelled or shortened for any covered emergency.
Buying a Policy

Buying a Policy

Ease of buying a policy is also important for today’s tech savvy traveller… today offers competitive products across all leading insurance companies in an easy to choose comparison table and multiple payment options. It will take you not more than 2-3 minutes to buy a policy on this website.
Claim Settlement

Claim Settlement Process / TPA

The best travel insurance provider will be the one which boasts of the most efficient and transparent claim settlement process. You have to know the claim settlement process of your insurer, documents to be submitted in case of a claim and timelines for claims settlement before you decide on the insurance partner. Also keep their toll-free helpline number handy while you travel to be able to reach out to them in an emergency. Another important aspect of claims, is the insurance company’s Third Party Administrator (TPA) abroad. One should understand the TPA’s network of hospitals across the world and their competencies to handle a critical situation. (For eg. Tata AIG will be a strong player in US because of their parent company AIG Inc’s presence there). It is advisable to get your insurance from a company which handles the transparent claim settlement process so you have a hassle free experience.


It is very important for every traveller to note that the exclusions will tell you what will not be covered in your travel insurance policy. It can be safely assumed that whatever is not stated as Exclusions in a particular plan mean that the plan covers the same. It is better to seek clarifications prior to purchasing a particular plan and before your trip commences. If you still have doubts, please reach the customer support team or to the travel insurance company as to what the exclusions are so that you have realistic expectations when you go for a claim.
The traveller must first be aware of the travel health insurance options in the market. This is where a website like comes in. At , the traveller gets to review a wide range of insurance options pertaining to their requirements before making a decision regarding the same. Ideally there are 4-5 important details that the traveller should keep in mind while deciding on the insurance plan most suited to them:
  • Duration of Travel
  • Destination of Travel – Premium is dependent on the Destination Country
  • Age of the Traveller
  • Coverage required in terms of Sum Insured ($50,000 - $1,000,000 options are available)
  • Proposed Itinerary of the trip (if you’re likely to undertake adventure activities, it may be better to buy a plan with an Adventure Sports Cover) and
  • Claims Settling capabilities of the insurance partner (along with their Third Party Administrator or TPA) .
It is advisable to choose a partner who specialises in Travel Insurance and has a large network of hospitals abroad.
No, ideally the traveller needs to have an insurance plan in place prior to departure from India. Hence it is important for the traveller to ensure that Travel insurance is on their "Things to Do" checklist along with their tickets, visa, hotel reservation, local tour confirmations etc.
However if there are any genuine reasons as to why the traveller could not purchase their insurance policy prior to departure from India, they can place a request by providing the reason for the non purchase of insurance, along with a good health and no claims declaration. We will then request the insurance partner to provide a specific approval for the same and post underwriting approval and remittance of the applicable premium, the insurance policy can be issued. The traveller should note that this is an exceptional process.
While it is not a mandatory requirement for all travellers to purchase travel insurance, it is strongly recommended that every traveller actually protects themselves with travel insurance every time they travel, irrespective of where they are going or how long they are travelling for. This is because a traveller could have an unforeseen Medical or Non-Medical emergency, which could result in financial loss to the traveller and travel insurance helps in mitigating this loss to a large extent. If they lose their Passport or Baggage, have a delayed flight or have to curtail their trip due to a family loss or have a Personal Liability suit filed against them, the travel insurance policy can make good any financial loss occurring due to these exigencies.
Similarly, if the traveller needs to be hospitalised following an accident or a sickness, the travel insurance policy takes care of the medical expenses, subject to policy terms and conditions. One must be aware that the cost of healthcare is exorbitant in almost all countries abroad and travel insurance helps protect the traveller from spending their hard earned money on medical treatment.

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How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque.

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Already outside India

Travelers who have already traveled from India and do not have insurance can buy travel medical insurance after approval.

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Travel Insurance Online Renewal

Insurance customers can renew their existing policy online before the exipry date at any time.

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Insurance Claims

In case of a claim or reimbursement of treatment expenses, notify by contacting them.

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Tips on air travel

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How are Claims settled?

Are travel insurance directly billed or is it reimbursement basis, is there a hospital network.

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How does travel insurance work

How to use Indian visitor insurance in case of sudden sickness and accidents

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Healthcare cost overseas

Comparison of overseas Healthcare cost and popular tourist destinations

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EIndia General Insurance Partners

  • Tata Aig
  • bajaj-allianz
  • reliance
  • cholamandalam
  • religare health Insurance
  • Star Health
  • future generali
  • go digit
  • hdfc ergo
  • cigna ttk
  • universal sompo
  • SBI
  • iffco tokio
  • Cigna TTK
  • Aditya Birla
  • Raheja QBE
  • New India Logo
  • Oriental Logo
  • bharti axa health Insurance Plans
  • kotak

Indian travel insurance resources

India travel insurance useful links

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