How to Buy Travel Insurance in India
In this guide
Step-by-step Process
Assess Your Coverage Needs
Determine what coverage you need: medical emergencies, trip cancellation, lost baggage, flight delays, or adventure sports. International trips to the USA/Europe require higher medical cover (minimum USD 50,000 for Schengen).
Compare Plans on Aggregator Portals
Compare policies on Policybazaar, Coverfox, or insurer websites directly. Check: sum insured, pre-existing disease clause, cashless hospital network abroad, and exclusions. Read the fine print on adventure activities.
Buy the Policy Online
Purchase directly from the insurer's website or an aggregator. Fill in traveller details, trip dates, and destination. Pay online. You will receive the policy document on email within minutes.
Carry Policy Documents While Travelling
Save the policy PDF on your phone and carry a printout. Note the emergency assistance helpline number (usually a 24/7 international number on the policy card). For Schengen visa, attach a printout with your visa application.
File a Claim if Needed
In case of medical emergency, call the insurer's helpline immediately for cashless treatment at a network hospital. For other claims (baggage loss, delay), collect all bills and receipts. Submit claim form with documents within the stipulated time.
Documents Required
- ✓Passport copy
- ✓Visa copy (for international travel insurance)
- ✓Travel itinerary / confirmed tickets
- ✓In case of claim: medical bills, hospital reports, police FIR (for theft/loss)
Official Government Portals
Common Questions
Is travel insurance mandatory for a Schengen visa?
Yes. Schengen visa applications require travel insurance with minimum €30,000 (approx. USD 35,000) medical cover, valid in all Schengen countries. The policy must cover the entire stay.
Does travel insurance cover COVID-19 related cancellations?
It depends on the policy. Most modern travel insurance plans include COVID-19 medical coverage and trip cancellation due to testing positive before departure. Read the policy terms carefully before purchase.
Can I buy travel insurance after starting my trip?
Most insurers do not allow purchasing travel insurance after departure. You must buy it before your trip starts. Some insurers allow purchase up to the departure date itself.
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