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IFFCO Tokio Travel Protector Policy is an overseas travel insurance product for travellers who want financial assistance with specified medical emergencies and common travel-related losses. The insurer offers five coverage options—Gold 500, Gold 250, Gold 100, Silver and Bronze—so travellers can compare the benefits and limits available for their journey. Depending on the selected option, medical protection may include eligible hospital expenses, outpatient treatment, emergency medical transportation and dental treatment. The policy also lists benefits for checked baggage loss or delay, loss of passport, personal accident, personal liability and certain emergency travel situations. Some options include hospital daily allowance, financial emergency assistance or hijack distress allowance, with benefit limits differing between options. Worldwide coverage is available on Gold options, while Silver and Bronze exclude the USA and Canada. Travellers should compare the benefit table, deductibles, exclusions and policy conditions before choosing an option.
Five coverage options with medical, baggage and emergency assistance benefits
Travel Protector offers a defined set of five options with different medical limits and benefit combinations. The Gold 500 option lists medical expenses up to USD 500,000, while Gold 250, Gold 100, Silver and Bronze have their own limits and conditions. Benefits such as checked baggage protection, passport loss, personal accident and personal liability can be useful when travelling overseas. However, this policy should not be confused with the separate Overseas Travel Protector product: the insurer’s comparison lists trip cancellation, trip interruption and missed-flight-connection cover under Overseas Travel Protector, not under this standard Travel Protector policy. Silver and Bronze also exclude travel to the USA and Canada. Before purchase, check the destination eligibility, applicable medical limit, deductible, exclusions and claim documentation requirements for the exact option.
IFFCO Tokio
Key Insights
Founded
2000
IFFCO Tokio was established 26 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
96.5% CSR, calculated as a 3-year average
IFFCO Tokio settles 96.5% of all claims it receives, demonstrating strong credibility.
Contact Details
1800-103-5490
Headquarters: IFFCO Tower II, Plot No. 3, Sector – 29, Gurugram – 122001, Haryana, India
Eligible medical treatment expenses during the insured overseas trip, subject to the selected plan.
Medical limits vary by option: Gold 500 USD 500,000; Gold 250 USD 250,000; Gold 100 USD 100,000; Silver USD 250,000; Bronze USD 50,000.
The published benefit table lists emergency dental treatment.
Listed limit is USD 250; applicable conditions and exclusions apply.
Eligible emergency transportation for medical treatment under the policy conditions.
Check the policy wording for authorisation requirements and applicable limits.
The published benefit table lists repatriation of mortal remains.
Listed limit is USD 7,000 across the five options.
A benefit is listed for total loss of checked baggage.
Listed limit is USD 1,000 for Gold 500, Gold 250, Gold 100 and Silver, and USD 500 for Bronze.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
IFFCO Tokio plans and claim process
It is an overseas travel insurance policy with five coverage options and benefits that include medical expenses, baggage-related losses, passport loss, personal accident and personal liability, subject to the selected option.
The insurer lists Gold 500, Gold 250, Gold 100, Silver and Bronze. Their benefit limits and coverage differ.
The Gold 500 option lists medical expenses up to USD 500,000. Other options have different limits, so check the policy schedule before purchase.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official IFFCO Tokio website before purchasing.
Official Website
iffcotokio.co.in
Visit the official IFFCO Tokio website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
Gold 500, Gold 250 and Gold 100 are listed with worldwide coverage. Silver and Bronze exclude the USA and Canada.
Yes, the insurer lists a checked-baggage delay benefit. Its FAQ specifies a delay exceeding 12 hours after arrival, subject to the policy conditions and limits.
The benefit table lists a USD 200 benefit for loss of passport across the five options, subject to the policy terms and required documentation.
The insurer’s comparison lists trip cancellation and interruption under Overseas Travel Protector, not standard Travel Protector. Review the correct product before buying.
The insurer states that Travel Protector is available for individuals aged 18 to 70 years. Confirm eligibility for your selected option when obtaining a quote.
Contact the insurer or its emergency assistance service promptly, follow its instructions, and retain relevant medical reports, bills, airline or police reports and other supporting documents.
The premium depends on details such as destination, trip dates, traveller age and selected coverage option. Obtain a current quote from IFFCO Tokio for the actual premium.