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Travel insurance covers medical emergencies, trip cancellations, lost baggage, and flight delays when you're away from home. We compare coverage limits, premiums, and claim processes across India's top travel insurers for both international and domestic trips.
Ranked by claim settlement ratio, network size, plan quality, and customer experience. Tap "Compare" on any 2 companies to see them side by side.
Comprehensive travel insurance with worldwide medical and trip protection.
Excellent international coverage with strong worldwide assistance and competitive pricing.
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Reliable travel insurance with extensive overseas medical protection.
Strong overseas medical protection backed by a wide international assistance network.
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Digital-first travel insurance with comprehensive overseas coverage.
Excellent online purchase experience with broad international coverage.
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Affordable international travel insurance with flexible benefits.
Great balance of affordability and comprehensive travel benefits.
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Travel insurance focused on medical emergencies and overseas assistance.
Ideal for travellers looking for strong overseas medical coverage.
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Affordable travel insurance with worldwide emergency assistance.
Reliable international travel protection at competitive premiums.
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Comprehensive overseas travel insurance with flexible coverage.
Wide range of travel benefits with dependable claim support.
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Premium travel insurance with worldwide medical assistance.
Excellent medical protection and global emergency assistance.
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Digital travel insurance with instant online policy issuance.
Fast online purchase and claims with comprehensive travel protection.
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Reliable overseas travel insurance with affordable premiums.
Comprehensive international travel coverage at affordable premiums.
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All key metrics at a glance.
| # | Company | Claim Settlement | Starting Premium | Max Coverage |
|---|---|---|---|---|
| 1 |  Tata AIG Travel Insurance | 98.2% | ₹395/trip | ₹4 Crore |
| 2 |  HDFC ERGO Travel Insurance | 97.9% | ₹410/trip | ₹4 Crore |
| 3 |  ICICI Lombard Travel Insurance | 97.6% | ₹425/trip | ₹3 Crore |
| 4 |  Bajaj Allianz Travel Insurance | 97.4% | ₹399/trip | ₹5 Crore |
| 5 |  Care Travel Insurance | 96.9% | ₹420/trip | ₹3 Crore |
| 6 |  SBI General Travel Insurance | 97.1% | ₹385/trip | ₹2 Crore |
| 7 |  Reliance General Travel Insurance | 96.8% | ₹400/trip | ₹3 Crore |
| 8 |  Niva Bupa Travel Insurance | 97.3% | ₹430/trip | ₹5 Crore |
| 9 |  Go Digit Travel Insurance | 96.7% | ₹375/trip | ₹2.5 Crore |
| 10 |  IFFCO Tokio Travel Insurance | 96.5% | ₹390/trip | ₹2 Crore |
Key features you must check before buying any travel insurance plan in India.
For international trips, especially to the US or Europe, choose medical cover of at least $100,000-500,000 given high overseas treatment costs.
Schengen countries require a minimum medical cover of €30,000 — confirm your plan meets the specific visa requirement before applying.
Choose a plan that reimburses non-refundable bookings if you must cancel due to illness, visa rejection, or other covered emergencies.
Look for cover on lost baggage and lost passport, including emergency assistance to get replacement travel documents while abroad.
Purchase your policy as soon as you book flights, since trip cancellation benefits usually only apply to events occurring after the policy start date.
If you travel internationally more than 2-3 times a year, an annual multi-trip plan is more cost-effective than buying single-trip policies each time.
Travel insurance generally covers trip cancellation, medical emergencies, baggage loss, flight delays, and personal accident cover during your trip.
Travel insurance is not always legally mandatory, but many countries, especially Schengen nations, require proof of travel medical insurance for visa approval.
Domestic travel insurance covers trips within India with lower medical cover, while international plans offer higher medical cover suited to costlier overseas healthcare.
Coverage for pre-existing conditions varies by insurer and plan, with some offering limited cover and others excluding it entirely.
Trip cancellation cover reimburses non-refundable expenses if you need to cancel your trip due to covered reasons like illness or emergencies.
Many insurers now include COVID-19 related medical treatment and trip cancellation cover, though terms vary by policy and should be checked before purchase.
It is best to buy travel insurance as soon as you book your trip, since trip cancellation benefits typically only apply to events after the policy purchase date.
Claims can usually be filed online with supporting documents like medical bills, police reports, or proof of delay/cancellation, depending on the claim type.
Disclaimer: The information on this page is for educational purposes only. Premium amounts are indicative and may vary based on age, health, and plan selected. Please verify all details directly with the insurer before purchasing. Finzony is not an insurance broker or agent.