Buy India Travel Insurance Online for Overseas Trips

Travel Insurance in India

Travel insurance in India provides coverage for unexpected events that may occur during domestic or international travel. According to Wikipedia, travel refers to the movement of people between distant geographical locations. This movement can involve various modes of transportation such as foot, bicycle, automobile, train, boat, bus, airplane, or others, with or without luggage, and may be one-way or round trip. Travel can also encompass shorter stays between consecutive movements.

Tourism, on the other hand, encompasses travel undertaken for pleasure or business purposes. It includes both the theory and practice of touring, as well as the industries involved in attracting, accommodating, and entertaining tourists, and operating tours. Popular destinations for Indian travelers can be either international or within their own country.

Importance of Travel Insurance

The World Tourism Organization, through its UNWTO Report each year, offers a broader definition of tourism, expanding beyond the traditional notion of holiday activities. It includes people traveling to and staying in places outside their usual environment.

The importance of travel insurance cannot be overstated. Throughout history, people have traveled for leisure, business, visiting friends, participating in religious activities, and even for medical treatment. According to the World Tourism Organization's 2018 report, these are among the primary reasons people travel globally.

Today, Indians explore destinations worldwide, with the USA, UK, Australia, Schengen countries, Dubai, Thailand, Sri Lanka, Maldives, and other Asian countries being particularly popular. Indian travelers span all demographics - from children to elderly, from healthy individuals to those with pre-existing medical conditions. While travelers hope for smooth journeys, unforeseen circumstances, whether medical or non-medical, can lead to financial and emotional stress.

This is why it's highly recommended that every traveler invests in comprehensive travel insurance. Among the most crucial forms of financial protection available, overseas mediclaim insurance covers international travel, while domestic health insurance applies within India. Adding international health insurance to your travel checklist ensures peace of mind whether traveling for leisure, business, or any other purpose.

Today, purchasing international travel medical insurance is straightforward. Using online platforms, travelers can calculate premiums, review and compare benefits from various Indian visitor health insurance plans, and purchase the best India travel mediclaim insurance - all without needing to call an agent or visit an insurance office. So, what exactly does visitor travel insurance cover?

Travel Insurance After Departure

As per legal guidelines of the Insurance Regulatory and Development Authority of India (IRDAI), you have to buy International Travel Insurance before you leave India. Having said that in the extreme situation that you have travelled abroad without purchasing your Travel Insurance policy, we can make a representation to the insurance company with your application and subject to their approval, issue your Travel Insurance policy. Contact eindiainsurance customer support at +91-(80)-41101026 and our staff will try to get approval to buy best post departure travel insurance in India.

Prices for a 30-day trip to Singapore. Refer to individual policy brochures for latest premiums and benefits. Premium rates are subject to change.

Which is the Cheapest Travel Insurance From India?

What Changes Your Travel Insurance Quote?

Your travel insurance quote is built from five inputs: destination risk tier, trip duration, traveller age, chosen sum insured, and any add-ons like adventure sports cover. Two travellers on the same 15-day Singapore trip can see a materially different quote purely based on age band which is why the tabs above show pricing separately for 35, 55, 65, 75 and 85 year-old travellers rather than one flat number.

What Are the Various Cheap Travel Insurance India Plans Available Online at eindiainsurance?

At eindiainsurance we provide the most comprehensive basket of plans to choose from depending on your travel requirements.

Travel Insurance FAQs

Benefits of Travel Medical Insurance

Factors to Consider Before Choosing a Travel Insurance Company

Now that one has chosen the type of policy you have to buy online, it becomes important to decide which insurance company's policy to decide upon. Not all the general insurance companies who operate in India have expertise in selling and managing Travel Insurance. The important factors to taken into consideration with regards to the insurance company include:

Article – Travel Insurance Online

The enterprising business and leisure travellers are always looking for options to simplify their buying process/experience and Travel Insurance Online fits perfectly into their scheme of things. Travel Insurance online through websites like https://www.eindiainsurance.com offer the traveller an option to view all travel insurance plans of Travel Insurance companies in India apart from Travel Insurance Reviews and Travel Insurance Compare tables to present the traveller all options available for them to choose from. By providing so much information, the traveller can ensure:

• They have adequate Accident & Sickness (A&S) Expense coverage. For example if the traveller is bound to The Americas (including USA), Europe, UK etc, it is important that they opt for an insurance plan which has a minimum of $250,000 as A&S coverage. If they are bound to South East Asia (SEA) or any of India’s neighbouring countries, they can opt for a lower Sum insured between $50,000 and $100,000
• They must opt for a plan which has a Trip Cancellation cover in case of any unforeseen emergency due to which they have to cancel their trip. This coverage helps them against a financial loss if they do not get a full reimbursement from the Airline, Hotel or Tour/Cruise company.
• They should ideally have coverage for Passport and Baggage Loss, Baggage Delay and Personal Liability which are relevant coverages for today’s travellers.

The website has an inbuilt Travel Insurance premium calculator that allows them to review the travel insurance premiums across all the comparable plans before making a decision on the optimum plan for their travel. https://www.eindiainsurance.com also provides the insured traveller to opt for country specific plans for Travel Insurance India to UK, Travel Insurance India to UAE, Travel Insurance India to Canada, Travel Insurance India to USA Travel Insurance India to Europe etc

There are many types of travel insurance plans which cater to the requirements of all categories of travellers Travel Insurance International plans cover travellers bound to The Americas (North & South American continents including USA & Canada) as well as other countries in the world other than North & South American, which is known as Excluding Americas plans. Most companies offer a specific plan for Asia, which covers their travel to any Asian destination or a Schengen Plan which covers travel to any of the 26 Schengen countries in Europe. A few insurers also offer a Travel Insurance Domestic plan which covers the traveller for travel within India. All these are Single Trip plans which cover the individual traveller for a specific trip only.

Almost all insurance companies also offer a Multitrip Insurance policy, which is specifically suited for the frequent traveller. This is an annual plan which covers the insured traveller for any number of trips during that year.

Coronavirus (COVID-19)

Also known as SARS-CoV-2, nCov, 2019 Novel Coronavirus, COVID-19 is a new illness that can affect your lungs and airways. It's caused by a virus called coronavirus. There's no specific treatment for coronavirus (COVID-19); treatment aims to relieve the symptoms until you recover. It's not known exactly how coronavirus (COVID-19) spreads from person to person, but similar viruses are spread in cough droplets.

While the majority of cases result in mild symptoms, some progress to severe pneumonia and multi-organ failure. As of 20 March 2020, the rate of deaths per number of diagnosed cases is 4.1%; however, it ranges from 0.2% to 15% depending on age and other health problems.

What Are the Exclusions Under a Travel Insurance Policy?

Some of the typical exclusions under the travel policy will include:

• Any pre-existing condition or any complication arising from it (unless specifically covered under certain plans that are purchased by the insured)
• Services, supplies, or treatment, including any period of Hospital confinement, which were not recommended or approved, and certified as Medically Necessary by a Physician
• Routine physicals or other examinations where there are no objective indications or impairment in normal health, and laboratory diagnostic or X-ray examinations except in the course of a disability established by the prior call or attendance of a Physician (an example could be a person visiting the hospital to check their blood pressure or their cholesterol levels, just for their information)
• Elective, cosmetic, or plastic surgery, except as a result of an Injury caused by a covered Accident
• Suicide, attempted suicide (whether sane or insane) or intentionally self inflicted Injury or Illness, or sexually transmitted conditions, mental or nervous disorder, anxiety, stress or depression, Acquired Immune Deficiency Syndrome (AIDS), Human Immune deficiency Virus (HIV) infection
• Being under the influence of drugs, alcohol, or other intoxicants or hallucinogens unless properly prescribed by a Physician and taken as prescribed
• Any loss arising out of War, civil war, invasion, insurrection, revolution, act of foreign enemy, hostilities (whether War be declared or not), rebellion, mutiny, use of military power or usurpation of government or military power, Terrorism
• Congenital anomalies or any complications or conditions arising therefrom
• Participation in winter sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing (where ropes or guides are customarily used), riding or driving in races or rallies using a motorized vehicle or bicycle, caving or pot-holing, hunting or equestrian activities, skin diving or other underwater activity, rafting or canoeing involving white water rapids, yachting or boating outside coastal waters (2 miles), participation in any Professional Sports, any bodily contact sport or potentially dangerous sport for which You are untrained (please note that on our eindiainsurance website, we offer some insurance plans that cover Adventure sports…so if the insured is likely to participate in any of these activities, it’s best to buy a plan that covers Adventure Sports)
• Pregnancy and all related conditions, including services and supplies related to the diagnosis or treatment of infertility or other problems related to inability to conceive a child; birth control, including surgical procedures and devices

Travel Insurance Cost by Popular Destination

Premiums vary by destination because medical costs and required minimum cover differ by region. Compare a same-age, same-duration trip below, then use the quote form above for your exact dates.

Floater vs. Individual Family Travel Insurance

A floater family plan shares one total sum insured across every family member on the trip, and usually costs less than buying individual policies. An individual plan gives each traveller their own full sum insured, which suits families where one member has a materially higher medical risk. Compare both options under Family Travel Insurance above before choosing.

Planning Adventure Sports? Here's What to Check

Standard travel insurance plans exclude injuries from adventure sports such as scuba diving, skiing, or bungee jumping. If your itinerary includes any of these, look for an insurer offering an adventure sports add-on rather than assuming you're covered several of the insurers compared on this page offer this as an optional extra.

₹20/day vs. an Unplanned Hospital Bill Abroad

A 15-day trip can be insured from roughly ₹300, while a single emergency room visit and short hospital stay in the USA or Europe commonly runs into thousands of dollars. Comparing the cost of the policy against the cost of going without one is the single most useful calculation before you decide to skip cover.