Travel insurance

A hospital visit abroad can cost more than the whole holiday. Travel insurance covers that risk and several smaller ones for a small part of the trip cost. Policies are issued by IRDAI-licensed insurers; we help you choose and buy the right one.

What a good policy covers

• Medical emergencies and hospitalisation abroad, including evacuation
• Trip cancellation or cutting a trip short for covered reasons such as illness
• Lost or delayed checked baggage and lost passport
• Flight delays and missed connections
• Personal liability if you accidentally injure someone or damage property

Read Travel insurance explained: what it covers and why it matters for what the terms mean.

Things to check before you buy

• Sum insured. Higher medical cover makes sense for the USA, Canada, Europe, Japan and Australia.
• Pre-existing conditions. Many policies exclude them unless declared. Always declare honestly.
• Adventure activities. Skiing, scuba diving and high-altitude trekking often need an add-on.
• Visa rules. Schengen countries require at least €30,000 of medical cover valid across the whole Schengen area.

Buy it early

Buy insurance when you book the trip, not the day before you leave. Cancellation cover only protects you from the date the policy starts.