Best Travel Insurance In India Reviews

1. Domestic Travel Insurance India

There is no price for peace of mind; however, India’s best domestic travel insurance is necessary. This is the only fine line between a smart traveler and a traveler. The insurance is beneficial to cover unforeseen situations. However, multiple companies provide you with domestic travel insurance; however, below are some standard features, benefits, eligibility criteria, and useful information regarding India’s domestic travel insurance.

a.Benefits & Features

• There is no medical test in India for getting domestic insurance; however, this is mandatory after 70.
• If a journey is required in any specific city, you will be provided with extra traveling benefits.
• In the case of lost luggage, you can get in touch with our 24 x 7 helpline service.
• Emergencies like repatriation and evacuation of mortal will be taken care of.
• You will get reimbursement of hospitalization cost or medical cost, irrespective of the place you are.
• Get expert opinion, recommendations from hospitals, healthcare centers, and medical practitioners across the country.
• You can also request for round the clock health assistance on your phone.

b.Eligibility Criteria For Domestic Travel Insurance

• The age group should be in between 6 months to 70 years.
• The minor will be indemnified only with parents, and the age bracket for minors will be six months to five years.
• If you are a citizen of India, you can buy travel insurance from India’s insurance service providers.
• If you are an international traveler and are submitting the proof of your touring or work permit, then you can also avail of domestic travel insurance from any of the insurance companies in India.

c.Inclusions And Exclusions

Inclusions Of Domestic Travel Insurance Include The Following.

• Expenses of the ticket if the flight or train is missed due to some accident.
• For business tours, you can get additional staff assistance.
• for family transportation
• Loss of tickets during an accident
• Hospital expenses in case of an accident
• Individual liability benefit
• Benefits of deportation of remains
• In case of any emergency, the advantage of medical evacuation.
• Coverage against accidental hospitalization
• PTD and accidental demise (24 hours)

Exclusions Of Domestic Travel Insurance Include The Following.

• All non-medicinal expenses
• Involvement in activities like rafting, canoeing, underwater sports, surfing, horse riding, hunting, potholing or caving, etc.
• Involvement in adventurous winter sports like races, scuba diving, bungee jumping, hang gliding, mountaineering, skiing, parachuting, sky diving, etc.
• If you are part of any riot, misdemeanor, civil commotion, attempted crime, etc.
• Accidents due to drugs or alcohol
• Suicides, nervous or mental disorders.
• If you are traveling against the doctor’s advice.

d.Claim Process In Domestic Travel Insurance

Claims are settled over the phone call; however, few insurance companies will ask you to fill a claim form mentioning mishappening details. The claims can be filed online, over a call, face in face meeting. During the claim, you need to provide little information.

• Your name
• Your contact details
• Location of incident
• Time and date of the incident etc.

2. Apollo Munich Travel Insurance

If you plan for a vacation or studying abroad, you must go to Apollo Munich Travel Insurance. This insurance will assure your financial security, safety during your travel abroad. There are multiple travel policies like

• Insurance for individuals
• Insurance for families
• Insurance for senior citizens etc.

Each has different premiums and options; you can choose any plan as per your requirement and budget.

Travel Insurances Offered by Apollo Munich

a.Easy Travel (For Individual)

This insurance policy can be availed if your age is between 6 months to 70 years. The duration of this policy is of 180 years. Out of 5 plans ranging between $ 25,000 to $ 500,000, you can choose any.

Benefits And Features

• Total coverage against the baggage which has been checked in by any carrier on which you are traveling.
• You will get a personal accident cover in case of permanent disablement or death.
• Regular cash benefits are provided to the people who are hospitalized for more than 24 hours.
• You can also get coverage of dental treatment expenses due to an accident.
• Get emergency medical assistance requiring outpatient or inpatient care, or if required, you can also get medical evacuation.

b.Easy Travel (For Family)

Suppose you plan to travel abroad with family, then no need to take separate travel insurance for each individual. Apollo Munich Travel Insurance has consolidated the family travel insurance in a single plan via ‘Easy Travel Family Insurance.’ For getting this insurance, your age must be in between 6 months to 70 years. The plan is divided into three different categories, i.e., Siler, Bronze, and Asian Region, and the sum you lie between $ 25,000 to $ 1 00,000.

Benefits And Features

• In the case of permanent disablement or death due to an accident, the policy will give you coverage.
• In case of loss of baggage while traveling, the insurance cover will secure you.
• If, in any case, you are hospitalized for more than 24 hours, then you can get daily cash benefits.
• If there is any dental injury due to accidents, then don’t worry as you are protected.
• It gives you emergency medical assistance coverage, including medical evacuation, if required.

c.Easy Travel (For Senior Citizens)

The people in the age group of 71 to 80 years can enjoy two traveling insurance variants, i.e., Silver and Bronze, with sum assured ranging from $ 1, 00,000 to $ 50,000.

Benefits And Features

• If there is any unpredicted financial emergency while traveling abroad, you can get a lump sum amount to get travel funds lost.
• Like the replacement of a passport or getting a duplicate passport, any expense is reimbursed via insurance.
• In case of any permanent disability or death, the policy provides full coverage.
• If due for any reason, you are hospitalized for more than 24 hours, then you will be getting daily cash benefits.
• In case of any dental injury due to an accident, you will be covered under insurance.
• Get emergency medical assistance services.

d.Easy Travel (Annual Multi-Trip Insurance)

If you are traveling abroad multiple times, then you can get this insurance. With this, you need not buy insurance again and again for each travel. It comes in four options, i.e., Platinum, Gold, Silver, and the Asian region, with sum assured ranging between $ 25,000 to $ 5, 00,000. The duration of this policy is for one year and can be extended for 30 t 60 days.

Benefits And Features

• Get a personal accident and permanent disablement cover.
• If you are hospitalized, then you can get daily cash assistance.
• In the case of a total loss of baggage, you will be covered.
• Get dental care treatment in case of an accident.
• Coverage against emergency medical assistance.

Eligibility Criteria To Apply For Apollo Munich Travel Insurance

• This travel policy is only for individuals and not for corporate or groups.
• The platinum plan is not acceptable for the people in the age group of 61 to 70 years.
• People who are in the age group of 6 months to 70 years can get the insurance cover.

Claim Process for Apollo Munich Travel Insurance

With a wide network range, filing a claim in Apollo Munich is very easy. This is the company where you can enjoy the benefit of quick claim settlement. With the help of online services and a customer care facility, you can file the claim. The only information you need to provide are

• Location of incident
• Time and date of the incident
• Nature of incident
• Your policy number
• Your contact details
• Name of the policyholder

Exclusion In Apollo Munich Travel Insurance

Below are some of the exclusions which are not covered in any of the insurance facility mentioned above.

• Any pre – an existing medical condition
• Suicide attempts
• Any intoxicants consumption like drugs or alcohol
• Breach of law or criminal activity
• Involvement in rock climbing, mountaineering, parachuting, hang–gliding, scuba diving, diving, aviation, racing, etc.
• Involvement in the air force, naval or military operations.
• If the sole purpose of the journey is getting medical treatment.
• Any condition of an act of war or war.

3. Reliance Travel Insurance

This is one of the best travel insurance which will guard you against unwelcome risks. The policy will also offer you complete coverage for arrays of risks, which will help you enjoy your trip and face unexpected emergencies with confidence. Reliance travel insurance is divided into two.

a.Overseas Travel Insurance

Overseas travel insurance is beneficial if you are traveling outside India. There are many insurance benefits which could be availed while traveling abroad. This will make your life hassle-free and comfortable.

Benefits And Features

• The best advantage is there is no medical screening for people who are less than 70 years of age.
• Less paperwork.
• This plan covers all major traveling locations.
• If your flight is canceled, delayed, or missed, then the travel insurance covers the entire cost.
• With this insurance policy’s help, you can choose an insurance plan from multiple options, including an insurance plan for the family, individual, senior citizens, etc.
• You can also get the facility of cashless hospitalization across the globe.
• If any expense incurred due to loss or reissue of passport, it will be covered in the insurance plan.

b.Student Travel Insurance

This insurance is specifically for students who want to study abroad. With this insurance, students can easily focus on their studies as all the insurance companies’ worries are taken care of.

Benefits And Features

• These plans are strictly bases on the requirement of students.
• You need to pay very less premium as this is meant for studies.
• Zero paperwork is required.
• It offers benefits like compassionate visit benefits, sponsor protection, bail bonds, and study interruption coverage.
• No medical test is required for this policy.
• Hassle-free claim settlement
• Fast claim disbursal process
• Insurance period of 2 years.

c.Reliance Travel Insurance – Claim Process

Below are some of the steps which you must follow for the claim process.

• The claim should be filed within 24 hours of its occurrence. The same can be done via contacting customer care number, email, or face to face visit.
• If you want to get a cash facility globally, you should get in touch with a ‘reliance insurance provider.’
• For initiating the claim processing, you should fill the claim form and submit it with all required documents.
• Always keep the below documents ready before filing the claim.
• Police complain copy
• Reference number and approval of company which is assisting
• Expense proof
• Passport copy with immigration stamp on it
• Original receipts/invoices/bills
• Copy of policy.

4. TATA AIG Travel Insurance

TATA AIG general insurance comes with multiple benefits that you can enjoy during your travel. This is one of the best travels you should get if you plan to move across the country. Below are some of the benefits and key features of the same.

a.Features Of TATA AIG Travel Insurance

• This is one of the best plans for people traveling within India.
• With the “GO DIGITAL” initiative, getting this travel insurance plan is easier and convenient.
• Repatriation of leftovers.
• Dental treatment, sickness, injury cover, and accidental death reimbursement.

b.Benefits From TATA AIG Travel insurance

• You will get a free look period of around 15 days for an annual multiple trip travel insurance; however, the trip is not begun.
• Flexibility in the extension of travel insurance plans.
• Fantastic medical cover which will also cover pre – an existing disease for a limited amount.
• Specifically designed custom plans to meet the requirement of each individual.

c.Coverage Under TATA AIG Travel Insurance

Below is the coverage which you are going to get after getting TATA AIG travel insurance.

• Trip Cut Short Cover: – For reasons mentioned in the policy schedule, you can get compensation for your trip cut short.
• Missed Connecting Flight: – There will be reimbursement of connecting flight misses due to any of the hazards mentioned in the policy.
• Legal Liability Covers: – You will get coverage on legal liabilities for a certain amount.
• Flight Delay Reimbursement: – You will be compensated if your flight is delayed or canceled due to any of the hazards mentioned in the policy.
• Lost Luggage: – If your luggage is lost by the airlines, then you will get compensation.
• Insurance Against Home Burglary: – Compensation against damages and losses for any burglary at home when you are traveling.

d.Medical Benefits Under TATA AIG Travel insurance

• Hospital expenses
• Coverage for pre-existing medical conditions for up to USD 1500
• Compensation of dental treatments occurred due to an accident
• Coverage against any accidental injury during travel

e.Exclusions From TATA AIG Travel Insurance

Below are the factors which are not covered in TATA AIG travel insurance.

• Any damage caused due to nuclear contamination or reaction
• Loss from terrorism, invasion, war, or use of any military power.
• Any injury caused due to riot, felony, or crime
• Any injury caused after drug or alcohol consumption.
• Injuries occurred during services in the armed forces.
• Any travel which is made against the advice of a doctor
• Nervous disorder
• Mental disorder
• Sexually transmitted disease
• Self – inflicted injury.
• HIV-AIDS
• Suicide

5. Religare Travel Insurance

This is again one of the top-rated travel insurance, which comes with multiple features, benefits, coverage, and various insurance plans. If you are deciding to step out of your home, do not forget to take this insurance.

a.Features Of Religare Travel insurance

• • Business-Class Up-Gradation: – This offers free updation to business class under the travel insurance plans proposed by Religare.
  • Air Accidental Death: – You can get the plan which offers air accidental death coverage.
  • Hospital Expenses: – All the hospital expenses are covered under this plan. So if you are getting hospitalized during your journey, then the entire amount is covered under the plan.
  • Personal Accidental Cover: – This offers air accidental death up to $ 15,000.

b.Benefits Of Religare Travel Insurance Plan

• • 100% coverage in any kind of non – a medical or medical emergency
  • There is a comprehensive travel insurance plan which suits your needs.
  • If there is any pre-existing medical condition, it will be covered up to 10% of you.

c.Coverages Under Religare Travel Insurance

• • Terrorism Coverage: – If you require any medical benefit during any terrorist attract, then the same will be covered here.
  • Repatriation Of Remains: – This offers coverage against expenses that include human remains or your mortals back to the home country.
  • Loss Of Passport: If your passport is lost, then the entire remaining expenses will be covered here.
  • Medical Expenses: – When you are away from home, all medical treatments and surgeries will be covered under this policy.
  • Personal Liability Cover: – if there is anybody injury due to an accident, then it will also be covered in this policy
  • Trip Interruption And Trip Cancellation Charge: – If you are canceling your trip due to any medical emergency or unable to take the flight, the entire trip will be covered.

d.Types Of Religare Travel Insurance Plan

Religare travel insurance plan can be broken into below six packages, which offers a unique benefit to you. These plans are.

• Explore – WW-Excl. US / Canada Travel insurance plan
• Explore – Worldwide Excl. US Travel insurance plan
• Explore – Worldwide Travel insurance plan
• Explore – Europe Travel insurance plan
• Explore – Africa Travel insurance plan
• Explore – Asia Travel insurance plan

Key Features

• • Update policy to business class
  • Cashless claim settlement
  • Pay per day rates instead of slabs, the low-cost payment
  • Schengen approves travel insurance
  • No per aliment limit
  • No upper age limit
  • Travel plans are region-specific, so no high features and cost of very low
  • 2X sum you in case you are hospitalized because of an accident

Benefits

• • Air accidental death
  • Trip interruption and cancellation
  • Delay of check-in baggage
  • Personal liability
  • Passport damaged/lost
  • Return of the minor child
  • Compassionate visit
  • Daily allowance
  • Outpatient care
  • The additional sum you for accidental hospitalization
  • Life-threatening condition of PED
  • Inpatient care
  • Hospitalization expenses

Exclusions

• • HIV/AIDS
  • If you are involved in a breach of law
  • Intentional self-injury, suicide
  • Claims for hazardous activities
  • Nuclear contamination or radiation
  • Nuclear and war perils or consequences
  • Losses from attributable to drugs or alcohol.

Religare Student Explore Travel Insurance

There is a special travel plan for students that will provide students with attractive coverage during their study abroad or within the country. It covers sponsor protection, travel inconvenience, personal accident, and many more.

Benefits Of Student Travel Plan

• • Mammographic examination or cancer screening
  • Emergency cash
  • Treatment from drugs and alcohol
  • Treatment for nervous disease or mental disorder
  • Permanent partial disablement
  • Accidental death
  • Permanent total disablement
  • Loss of international driving license
  • Medical evacuation
  • Repatriation of mortal remains
  • Outpatient care
  • Extended cover in the home country
  • Coverage against pre-existing disease
  • Inpatient care
  • Medical expenses

Additional Coverages In Students Travel Insurance

• • Newborn/maternity cover
  • Vision care
  • Adventure sport injury
  • Hi/aids cover
  • Self – imposed injury
  • Complete coverage against the pre-existing medical condition

Exclusions In Students Travel Insurance

• • HIV/AIDS
  • If you are involved in a breach of law
  • Any claim related to hazardous activities
  • Suicide
  • Any nuclear radiation contamination
  • Consequences arising from war and nuclear perils
  • Expenses from attributable drug use or alcohol

Claim Process In Religare Travel Insurance

To make it easy for you, Religare offers various modes of filing a claim online, but a phone call, physical visit. There is certain information which is required by the insurance company for processing the claim, which will include

• • Filled claim form
  • Required documents
  • Details of incidents etc.

6. HDFC Travel Insurance

Traveling to a new place always comes from dangerous situations and unwelcome risks. Travel insurance offered by HDFC can make your travel easy by eliminating risks and threats that come in traveling to travel worry-free. HDFC travel insurance is split into two.

a.Travel Insurance

b.Student Suraksha travels insurance

a. Travel Insurance

This is of the most reliable travel policy, which will ensure that you are covered for any unexpected risk during your vacation. It covers insurance for lost baggage, accidents, lost passport, etc. With the help of travel insurance, your trips will always be secured, and you will always be ready to face any kind of risk.

Features

• • Sudden medical costs due to illness or accident are covered in this insurance.
  • Medical or prescribed emergency evacuation expenses are also covered.
  • Outpatient and inpatient therapies, diagnostic tests, medical aids are also covered.
  • Funeral expenses are also covered if you lost your life in an accident.
  • Expenses for repatriating the remaining of the deceased back to India will be covered.
  • Dental expenses occurring during an accident are covered in the policy.
  • If you got sick and are hospitalized, then the policy is going to cover your daily expenses.
  • Any permanent disablement, death, physical injuries occurring due to an accident during your travel are covered in the policy.
  • HDFC will compensate for personal accident compensation if you become a victim of permanent disablement, the death which occurred from an accident.
  • You can get this insurance online and at any time as per your convenience.
  • If your trip is getting extended due to any illness, cancellation of train or flight, or any medical emergency, the cost of hotel accommodation will be compensated by the insurance.
  • Any damage made to the third party via accidents is also covered in this insurance.
  • In case of any lost baggage or delay in baggage, you can get compensation from the insurance policy.
  • If your flight is delayed for more than 12 hours, then you can claim financial compensation.

Eligibility

As per the categories of trips, entry age varies in the policy. They are

• • Solo trip – From 6 months to 70 years
  • Annual multi-trip – From 18 years to 70 years
  • Single trip Asia (excluding Japan) – From 6 months to 70 years for a family trip
  • Age for primary policyholder should be up to 60 years
  • You spouse age should be up to 60 years
  • For your children, it from 2-3 months to 21 years.

b.Student Suraksha – A Travel Insurance For Students

There should be something strong behind the back to protect students if any miss is happening for students who travel abroad or domestically. 

Features

• • If the student gets arrested for any bailable offense, then the bail amount will be covered
  • If there is any interruption in the studies for any reason, the company will compensate for the costs.
  • If the student’s sponsor dies in an accident, the insurance plan can help pay the student’s tuition fee.
  • If there is any compassionate visit by an immediate family member of the student, the same will be covered in the insurance.
  • If there is any nervous breakdown, alcoholism, drug addiction, or mental disorder, then the cost of medical treatment will be covered.
  • Inpatient expenses for pregnant mothers and mammographic examinations are also covered.
  • Cancer screening is covered.
  • Any medical cost arising due to an accident the illness will be covered in the policy.
  • If there is any death, permanent disablement, you will get financial compensation for the same.
  • If the student has misplaced his passport, then the cost involved in the reissue of the passport will be covered.
  • Delay of checked baggage, loss of any baggage, and missing items by airlines will be compensated.
  • Any dental injury due to accidents will be covered in the insurance.
  • Any medical evacuation or repatriating to the home country will be compensated.

Eligibility

• • You are eligible for worldwide coverage from 30 days to 2 years. (No medical check-up is required)
  • You should be a student studying abroad
  • Your age should be in between 16 years to 35 years.

Exclusions

Below are some of the exclusions which will not be covered in the policy.

• • Any damage caused due to participation in any risky sports adventure
  • Mental disorder
  • AIDS/HIV
  • Damage due to terrorist attack
  • Any damage caused due to liquor or drug abuse
  • Suicide or attempt to suicide
  • Condition of war – international or civil

Claim Process For HDFC Travel Insurance

You can file a claim for HDFC travel insurance by online or offline mode. In both scenarios, you need to get a form that should be filled with all the required details. After that, you need to upload or submit the below documents to the insurance company so that they can start processing your claim. If there is any delay in filing the claim, it will be difficult for you also to get the claim settlement amount late.

• • A filled claim form
  • Nature of loss
  • Required documents
  • Required bills etc

7.  Travel Insurance For the USA From India

The health care system in the USA is costly. So, if you plan to visit the USA without getting travel insurance, it could turn into the biggest mistake of your life. Before proceeding to the USA, you should never forget to buy travel insurance to keep yourself safe from any mishappening.

Below are some factors which will let you know why insurance for the USA is essential.

• • Cashless hospitalization in case of any emergency
  • Coverage to all risks during travel
  • Repartition to home country
  • Medical evacuation and emergency transportation
  • In case of a missing passport, you can get a duplicate passport
  • Cancellation or trip delay reimbursement
  • Peace of mind
  • Financial security
  • 24 x 7 customer support service

Is It Mandatory To Get USA Travel Insurance?

Travel insurance for the USA is not at all mandatory; however, it is highly recommended. With the help of this insurance, you will not only get coverage for medical emergencies, but it will also provide converge for situations like flight delay. Also, some visas are approved only when you have valid travel insurance for the USA. One such visa is J – 1 visa, which is for work purposes. This insurance is not only recommended for Indians; however, if you are residing in any other country and planning to visit the USA, then also it is highly recommended to get USA travel insurance. With the help of this insurance, you can get compensation for crime, terrorism, natural calamities, airline goof – ups, health issues, travel disruptions, any financial assistance.

Coverage Provided Under USA Travel Insurance

Multiple coverages are offered in the policy issued for traveling in the USA. Below is a list of coverage provided under travel insurance.

Medical Benefits

Any medical treatment in the USA can make you bankrupt. With the help of insurance, you can protect yourself from falling into such a condition. Below are some of the services offered under medical benefits.

• Air Accidental Death: – If you lost your life in an air accident, then there will be compensation for the same.
• Medical Evacuation: – Get coverage of $ 10,000 in any medical emergency or medical evacuation.
• Inpatient Hospitalization: – In case of any emergency, it covers both inpatient and outpatient medical treatments.
• Cashless Hospitalization: – Get an immediate medical cashless hospitalization due to any medical emergency.
• Pre-Existing Illness: – You will get 10% of the sum insured in an emergency occurring due to pre-existing medical illness.
• Treatment In The Home Country: – If there is any requirement for further treatment in your home country, it will be covered 100% in the travel insurance.

Travel Benefit

Multiple travel benefits are offered under insurance for the USA. It also covers any cancellation or trip delays.

Below are some other areas where you can get coverage against this insurance.

• Terrorist attack
• Interruption in studies
• Loss of international driving license
• Loss of passport
• Trip cancellation or delay

Baggage Benefits

Goof ups at airports are prevalent. You can face baggage misplace or damage during your travel, but thanks to USA travel insurance, you can get compensation against lost baggage with the help of this. Below are some other conditions under which you can get a claim.

• Theft or breakage
• Loss of tablet or laptop
• Delay of checked-in baggage
• Loss of checked-in baggage

Add – On – Benefits

As you all know, travel insurance in a life savior will not protect you against the actors mentioned above; below are some other coverage you will get for the same.

• 24 hours of customer support service
• Lifelong renewability
• Update insurance to business class
• Compassionate visit
• Personal liability
• Accidental death cover
• Bail bond

Exclusions In USA Travel Insurance

There are multiple coverages in insurance for traveling to the USA; now you might be thinking, is there any exclusion?

Yes, there is some exclusion also which is not covered in the policy.

For your reference, below is the list for the same.

• Any cost involved due to shock, mental trauma, defamation, wrongful eviction, false arrest, wrong full detention.
• Any personal liability of you towards another person
• The cost involved in the ownership of any motor vehicle, watercraft, aircraft, etc.
• Expenses due to engagement in any business activities.
• Costs involved due to exposure to any nuclear radiation.
• Any medical treatment expenses arising due to participation in adventurous sports like racing, scuba diving, mountain climbing, paragliding, etc.
• Any medical condition arising during war or nuclear perils
• Cost for treatments against HIV/AIDS/ or any other transmitted disease.

Claim Settlement For USA Travel Insurance

If you encounter any emergency, you easily file a claim either by online mode or give a call on the toll-free number. There you need to do the following

• You need to submit a filled online claim form.
• You need to deposit documents required for proceeding claims
• Details of the mishappening or incident happen to you.