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International Travel Insurance is a specialised policy which is designed to provide financial protection against any unforeseen events while you are staying abroad. This policy acts as an essential safety net and covers different risks such as trip cancellations, medical emergencies, lost baggage and misplaced travel documents.
By getting this coverage, you ensure that any unexpected disruptions do not lead to any significant financial strains during your journey abroad. Beyond just making you worry-free on your travels, this insurance is a mandatory requirement for obtaining visas for many countries, including Schengen nations. It essentially safeguards the travel experience.
Choose a plan built around who is travelling and why.
Designed for solo travellers, this affordable travel insurance plan offers protection against common travel risks, including baggage loss, accidental injury, and passport loss. Whether you are travelling for leisure, business, or personal reasons, individual travel insurance reduces out-of-pocket expenses.
Explore Individual PlansStudent travel insurance is tailored for students travelling abroad for higher education. Students studying overseas may face challenges such as personal accidents, personal liability, or loss of checked baggage. A good travel insurance policy offers financial support in such emergencies.
Explore Student Plans(Entry Age up to 120 Years)
Senior citizen travel insurance is specifically designed for older travellers who may require additional medical protection while travelling. Since senior travellers may be more vulnerable to health-related emergencies, this plan offers valuable financial support during unexpected situations.
Explore Senior Citizen PlansThe policy period is 365 days in which maximum travel days are 180 with per trip duration of 30/45/60 days. Entry age for proposer is 18 yrs – 70 yrs.
Travel protection for employees on official trips, with benefits for eligible trip disruptions, replacement of staff and global assistance, subject to the selected policy.
Explore Corporate PlansInternational healthcare can be really expensive, and international travel insurance ensures that you do not face any crippling financial debt if you suffer from unexpected illnesses or severe injuries when travelling in foreign countries.
If, due to any unforeseen circumstances, you face any medical emergency in a remote area, insurance will cover the costs of professional emergency air evacuation to transport you safely to a high-quality medical facility.
Unexpected events can force you to change your travel plans. In such a scenario, this coverage reimburses your non-refundable prepaid travel expenses if you must cancel a trip due to covered reasons in the policy.
Losing your travel documents abroad can create a significant amount of chaos. Insurance providers offer financial protection to assist you in managing costs to replace the lost passport quickly.
The standard policies often exclude high-risk activities. However, this add-on provides an essential liability protection for thrill-seeking pursuits such as paragliding, scuba diving, trekking or skiing at higher altitudes abroad.
International travel insurance providers help you locate the nearest network hospital, passport offices, or handle other travel-related emergencies. It ensures that you have absolute peace of mind during your journey.
Insurance policies offer reimbursements for flight delays or cancellations, covering extra accommodation costs. Moreover, these plans also provide support for lost luggage and obtaining duplicate copies of stolen travel documents.
Travelling can involve uncertainties, from minor inconveniences to emergencies. Choosing the best international travel policy in India ensures you are financially protected, allowing you to focus on enjoying your trip.
Several countries, including Schengen nations, Cuba, and Russia, require proof of international travel insurance as part of the visa process. Having a valid policy ensures compliance and smooth travel planning.
Plans and guidance tailored to where you are heading.
Plan families built around traveller profile, destination and how you prefer to design your cover.
Premium international travel protection with options for different traveller categories.
A wide family of variants built around traveller profile, age and destination.
Travel ACE International — a modular travel insurance solution. Design your own travel insurance plan with worldwide cashless hospitalisation and options for pre-existing disease emergency coverage, subject to policy terms.
Design Your Own Travel Insurance Plan — select suitable coverage based on your journey and requirements.
Talk to an AdvisorCover for eligible hospitalisation and incidental medical expenses, with cashless treatment at network hospitals subject to authorisation and policy terms.
Get assistance extending your trip insurance, subject to eligibility, approval and payment.
Celebration benefit for a hole-in-one at a USGA-recognised golf course outside India during the insured journey, where included in your policy.
Cover for repatriation of mortal remains to India, according to your selected policy’s terms and limits.
Pays agreed amount in case of Death, Permanent Total & Partial Disability, while travelling overseas and also within India prior/post 24 hours of international travel, if opted
Indemnifies for medical expenses for any illness, disease or injury that happens while you're travelling abroad and evacuation to India. Pre Existing Illness/ injuries can be opted to be covered
Pays compensation if the airline delays or misplaces your checked-in-baggage
Indemnifies for loss incurred by you towards accommodation, travel & event tickets if trip is cancelled or curtailed mid-journey or extended under pre-defined circumstances
Covers the cost of procuring a duplicate passport if lost during travel
Provides coverage for third-party claims arising due to bodily injury or damage to property inadvertently caused by the insured
Covers expenses related to missing of a connecting flight
Any disability or injury arising from a medical condition that existed before purchasing the policy is generally excluded
Accidents occurring while under the influence of alcohol or drugs are excluded from coverage
It doesn't cover routine check-ups, vaccinations, or vitamins if you're generally healthy
Injuries resulting from intentional harm or attempted suicide are not covered
Actual or attempted engagement in any criminal or other unlawful act.
Injuries or death resulting from war, civil unrest, or acts of terrorism are typically excluded
Add-on covers can be selected where the chosen product offers them.
Provide coverage when the flight of Insured/Insured Person/Beneficiary get delayed due to any reason
Track Your baggage In case gets Delayed
Insurance covers the loss of personal belongings due to theft, larceny, robbery, or hold-up occurring outside India
Covers cost of hotel accommodation for one family member who has traveled from India to attend following hospitalization of insured traveller.
Cover the cost of economy class travel for a relative accompanying an insured minor under 15 years, by the most direct route.
Covers travel and accommodation expenses necessarily incurred for the replacement of the Insured Person
Covers to meet insurance requirement for Schegen travel.
To help you make an informed decision, here is a detailed breakdown of the key benefits included in our trip insurance plans:
This feature provides a direct settlement of medical bills at network hospitals abroad. This eliminates the need to make upfront payments during a medical emergency while you travel.
You gain access to round-the-clock support services to help with navigating emergencies such as travel disruptions or medical crises. This also ensures that you are never left stranded while abroad.
If your flight is significantly delayed, then this feature provides financial compensation to help you cover additional expenses incurred. This can help you manage the inconvenience of any unexpected waiting times.
Insurance needs vary by life stage. Therefore, you can select specific plans customised for students, individuals, families or senior citizens to ensure that the travel cover matches your requirements.
This feature provides financial protection and coverage for costs associated with replacing a lost passport or compensating for the complete, permanent loss of your checked-in baggage.
Your insurance extends to protect your property back in India. This provides compensation for any financial losses during a burglary at your home while you are away.
While reading the policy fine print, take special attention to the baggage fine print. If there is a per-item limit or any specific clauses for valuable items, then you need to be aware of that.
This coverage protects you from having to pay third-party claims out of your own pocket for any accidental bodily injuries or property damage caused by you during your insured trip.
These plans also cover COVID-19-related situations, providing an essential safety net for travellers who are concerned about pandemic-related health disruptions during international journeys.
Travel Elite family
Travel Elite family
Travel Elite family
Travel Prime family
Travel Prime family
Travel Prime family
Travel Prime family
Travel Prime family
Travel Prime family
Travel ACE family
Optional and add-on covers are never automatically included in a policy.
Simple, transparent processes for every stage of your policy.
Reach us on WhatsApp, call +91 77949 80780, or submit an enquiry. Our executive will help you choose suitable insurance for your destination and travel dates.
To choose the best travel insurance plan for your trip, you need to know about the different options available. The table below provides a comparison of different travel insurance policies from Bajaj General Insurance:
| Criteria | Specification |
|---|---|
| Age Group | Plans are tailored for students, seniors and families. All age groups are accommodated with specific coverage options. |
| Nationality | Specifically designed for Indian passport holders travelling abroad. It is a mandatory requirement to hold an Indian Passport. |
| Policy Type | Options include individual, family, corporate and student plans. Coverage can be customised based on a specific travel profile. |
| Trip Duration | Choose plans that align precisely with your specific itinerary. Coverage can be extended or shortened according to your needs. |
| Medical Screening | No medical health check-up required for policy purchase. You can secure a policy without undergoing any preliminary medical examination. |
Here are a few things to consider when purchasing an international travel insurance plan:
Purchase an overseas travel insurance after booking flights. It would ensure that you have enough time to compare different options and prevent the risk of forgetting to secure coverage before travelling abroad.
Select an insurer which offers 24x7 customer support to resolve queries or confusion. This will ensure that you have assistance available at any time, regardless of your current international location.
Research your destination thoroughly, as insurance needs vary a lot by country. There are some nations which mandate specific coverage levels, and failing to meet these requirements can lead to an application rejection
Select a plan duration which exceeds your actual trip dates. This will provide a necessary buffer if you need to extend your stay and ensure that you remain fully covered throughout your entire journey.
You should count the total number of people travelling and select either an individual or a family plan accordingly. This is because customising your coverage based on group size ensures that everyone is adequately protected.
Choose a multi-trip plan if you are a frequent traveller to avoid applying for new insurance every time. Or choose a single-trip plan if visiting a destination just once.
Beyond just insurance coverage, there are several logistical and cultural factors which are essential to consider for a well-prepared international journey.
Make sure that your passport has six months of validity remaining beyond your planned return date. Also, check visa requirements for every destination to avoid entry-related issues and travel delays.
Purchase a robust international travel insurance policy which covers medical emergencies, trip cancellations, lost luggage and emergency evacuations. This will safeguard your financial well-being against unforeseen situations while you are abroad exploring.
Notify your bank about your international travel dates to prevent any account blocks. Always carry a mix of local currency and cards. This will ensure that you have a backup payment method.
Educate yourself on the cultural norms, social etiquette, and traditions of your destination. Respecting local customs helps you navigate social situations smoothly and ensures a positive experience with residents.
Consult a travel client to determine whether you need specific vaccinations or medications for your destination. Keep a record of your medical history and prescriptions handy for any kind of emergency situation.
Book lodging in advance to guarantee availability. This is especially applicable when booking during peak tourist seasons. Confirm your reservations and save the addresses of accommodations to show local drivers upon arrival.
Create a flexible daily schedule which balances major sightseeing goals with downtime for exploration. Having a rough plan can prevent wasted time while allowing room for spontaneous discoveries along the way.
Store digital copies of your passport, insurance policies and flight bookings in a secure, cloud-based storage device. This provides easy access to critical information if physical documents are ever lost.
Research the weather forecast for your destination to pack appropriate clothing and gear. Stick to versatile layers, follow airline weight restrictions, and always keep essential medications in your carry-on luggage.
To ensure you get the most value and protection out of your policy, be sure to steer clear of these common mistakes:
Always read the fine print regarding pre-existing conditions and high-risk activities. Many travellers assume they are fully covered, only to find major gaps in their policy later.
The cheapest premium often means inadequate coverage limits. Prioritise the quality of medical benefits and emergency assistance services over finding the lowest possible upfront insurance cost.
Ensure that your policy covers total trip costs, including medical emergencies and repatriation. Under-insuring yourself can lead to significant out-of-pocket expenses if an unexpected situation occurs abroad.
Confirm that your policy dates match your entire itinerary precisely. Buying insurance that expires before you return home leaves you vulnerable during the final days of your trip.
Honesty is vital when filling out medical questionnaires. Failure to disclose known health issues can lead to claim rejections for international travel insurance health coverage.
Keep your policy details and emergency assistance phone numbers easily accessible. Being unable to quickly reach your insurer during a crisis can cause unnecessary stress and delays.
International travel insurance is not mandatory for every international trip from India, but some countries require it as part of their visa process. Countries in the Schengen Area, including France, Germany, Italy, Spain and the Netherlands, require travellers to have valid travel medical insurance with specified coverage limits before a visa is granted.
Even when not compulsory, overseas travel insurance is highly recommended for destinations such as the United States, the United Kingdom, Canada, Australia, Singapore and the United Arab Emirates. A good policy can provide financial protection against medical emergencies, trip cancellations, flight delays, lost baggage and other unexpected travel-related expenses.
The sum insured refers to the maximum amount an insurer will pay for covered losses during overseas trips. Choosing adequate coverage ensures protection against expensive medical emergencies and travel-related risks.
A deductible is the amount which you must pay before insurance coverage begins. Policies with higher deductibles often have lower premiums, but they increase your out-of-pocket expenses during claims.
The premium is the amount paid to purchase international travel insurance coverage. Premium costs depend on factors such as destination, age, trip, duration, coverage limits, and policy benefits selected.
A pre-existing medical condition is any illness or health issue diagnosed before purchasing insurance. There are many policies which exclude such conditions unless specifically covered through additional benefits or riders.
Medical evacuation coverage pays transportation costs when emergency medical treatment is unavailable locally. It may include air ambulance services and transfers to suitable healthcare facilities abroad.
Trip cancellation coverage reimburses non-refundable travel expenses when a covered event prevents your journey. Common reasons include serious illness, accidents, natural disasters, or family emergencies.
Trip interruption coverage compensates travellers for unused bookings and additional expenses when a covered event forces them to cut short or modify their travel plans unexpectedly.
This coverage provides reimbursement for stolen, lost, damaged or delayed baggage. It helps travellers replace any essential items and reduces financial inconvenience caused by luggage-related problems.
Policy exclusions refer to situations, events, or conditions which are not covered by insurance. Reviewing exclusions carefully helps prevent claim disputes and ensures you understand coverage limitations before travelling.
Cashless hospitalisation allows insured travellers to receive treatment without paying upfront at network hospitals. The insurer settles eligible medical expenses directly with a healthcare provider.
Answers to the questions travellers ask most before buying a policy.
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