Travelling is a beautiful way to explore new places, cultures, and experiences. However, it also comes with certain risks and uncertainties that can spoil your trip or cause financial losses. That is why buying travel insurance before you embark on your journey is advisable, especially if you travel abroad.

Travel insurance protects you against unforeseen situations and emergencies during your trip. You can choose from a wide range of available travel plans, some of which are also specific to type of travellers, like the senior citizen travel insurance, student travel insurance, etc. Some other plans are curated basis the frequency of travelling, like the single trip insurance or multi-trip insurance. Depending on your chosen plan, it can provide you with financial assistance, medical care, legal support, and other benefits.

But what exactly does travel insurance cover in India? We will answer this question and help you understand the importance of travel insurance for your next trip.

Benefits and Features of Travel Insurance in India

Travel insurance plans in India can vary in terms of coverage, duration, cost, and eligibility. However, some most common benefits are as follows:

  1. Medical Expenses 

This is one of the most essential and popular benefits of travel insurance. It covers the cost of medical treatment, hospitalisation, surgery, ambulance, medicines, and other related expenses if you fall sick during your trip. Furthermore, travel insurance plans extend their coverage to include dental treatment resulting from accidents and costs arising from COVID-19 during a trip.

  1. Loss of Passport

If you lose your passport while travelling, this policy will cover the costs of getting a duplicate passport or travel documents. Whether the loss occurs due to theft, robbery, or any other reason during your trip, travel insurance will help you. Additionally, it can cover the costs of transportation and accommodation that may be necessary for this purpose. 

  1. Personal Accident 

This benefit covers the compensation for accidental death or permanent disability caused by an accident during your trip. It can provide you with a lump sum to support your family or dependents in case of such an unfortunate event.

  1. Loss or Delay of Baggage

This benefit covers the loss or damage of your checked-in baggage or personal belongings due to theft, fire, misplacement, or delay by the airline or carrier. It can reimburse you for buying essential items or replacing lost or damaged ones.

  1. Trip Delay or Cancellation

This benefit helps you with extra costs or losses when your flight or other transportation gets delayed or cancelled due to things like bad weather, natural disasters, strikes, riots, technical problems, or anything else that is not in your control. It can give you money back for the tickets you could not use, hotel bookings, and more. 

  1. Emergency Assistance

This benefit provides 24x7 assistance and support in any emergency during your trip. It can help you by arranging medical evacuation and repatriation, legal assistance, cash advance, interpreter services, message transmission, and other services as needed.

  1. Optional Covers

Apart from the benefits mentioned above, some travel insurance plans also offer optional covers that you can choose to enhance your coverage as required. The most common one is the home burglary cover.

Common Types of Travel Insurance in India

Here are some common types of travel insurance plans you can choose from:

  • Individual Travel Insurance Plan: This is a plan that covers only one person who is travelling alone. If you are going on a solo trip and want to ensure you are protected during your journey, this plan is for you. It takes care of unexpected situations so you can enjoy your trip worry-free.

  • Family Travel Insurance Plan: If you are going on a trip with your family, this plan covers everyone together. Instead of buying separate insurance for each family member, you can get this one plan that includes everyone. It saves you money and simplifies the process.

  • Senior Citizen Travel Insurance Plan: This plan is designed for older travellers above a certain age, typically 60 years or above. Since seniors might have higher medical risks, this insurance covers their specific needs during the trip.

  • Student Travel Insurance Plan: Students travelling abroad for higher education or exchange programs can benefit from this plan. It ensures that their academic journey is protected, so they can focus on their studies without worrying about unexpected situations.

  • Corporate Travel Insurance Plan: This plan suits business travellers going abroad for work. It covers employees during business trips, safeguarding their professional interests and responsibilities.

  • Domestic Travel Insurance Plan: If you are exploring different places within India, this plan has you covered. It takes care of unexpected events while travelling within the country, giving you peace of mind during domestic adventures.


Travel insurance is a must-have for every traveller who wants to enjoy their trip without worries. It can cover you against various unforeseen situations and emergencies that may occur during your trip. You can compare travel insurance online in India from multiple insurance aggregators' websites. You can also customise your plan by choosing optional covers or add-ons if required.