If you’re passionate about travelling then you might have an idea of how important getting travel insurance is. If not, ask any backpacker out there and you would know why they all prefer to get travel insurance before they explore the unexplored places. After all, travel insurance gives you a sense of security especially when you’re on a solo trip. By booking travel insurance, you need not worry about getting mugged or losing luggage or documents and whatnot! But the trickiest part of it all is to pick from the best travel insurance plans as they all come with promising features. We’re here to help you select that golden bird of travel insurance that suits your travel requirements. Here are the best travel insurance policies to consider the next time you plan a trip.
Religare Travel Insurance
Religare is known for its phenomenal insurance policies. Covering most of the countries, Religare international travel insurance is by far the most favored and trusted travel insurance company. Their insurance plan typically includes coverage against baggage loss, hospitalization expenses, personal accident, financial compensation, loss of travel documents etc. Here is an insight into Religare’s international travel insurance-
| Country/Continent | Medical Benefits | Non-Medical Benefits |
| Europe, Canada, Africa and Asia | ü IPD & OPD hospitalization cover
ü Double SI for accidental hospitalization ü Pre-existing ailments coverage |
ü Check-in baggage and passport loss
ü Trip cancellation, delay and interruption ü Seat up-gradation to business class ü Medical evacuation ü Personal liability cover |
| USA and worldwide | ü IPD & OPD hospitalization cover
ü Double SI for accidental hospitalization ü Pre-existing ailments coverage ü Common carrier accidental death |
ü Compassionate visit
ü Loss of check-in baggage and passport ü Trip cancellation, delay and interruption ü Seat up-gradation to business class ü Medical evacuation |
HDFC ERGO Travel Insurance
No matter if you are travelling alone or with family, HDFC ERGO travel insurance has got your back. The travel insurance ensures you and your family’s safety against any emergency expenses so that you can enjoy your trip without any worries. It also has great travel insurance plans for students and frequent flyers that are worth checking out. Here’s an insight into HDFC ERGO travel insurance policy-
| Medical Benefits | Non-Medical Benefits | What’s not included? |
| ü Emergency medical expenses
ü Coverage against accidental death ü Daily hospital cash allowance ü Emergency dental expenses ü Medical evacuation ü Medical and body repatriation ü Compensation against permanent disability |
ü Baggage and personal documents loss
ü Delay of checked-in baggage ü Personal liability ü Emergency cash assistance ü Hijack distress allowance ü Extended hotel accommodation compensation ü Reimbursement against flight delay |
Health issues caused due to war or breach of the law
Consumption of intoxicated or banned substances Pre-existing diseases Cosmetic or obesity treatment Self-inflicted injury Injury caused due to adventure sports |
TATA AIG Travel Insurance
Tata AIG has some of the best travel insurance plans for all. Here are the highlights of travel insurance policies offered by them-
Travel Guard Policy
The travel guard policy covers-
- Accidental death or injury inflicted on the trip
- Sickness and Dental treatment
- Emergency transportation to the hospital, treatment and medical supplies
- Check-in baggage loss
- Loss and damage against burglary
- Hijack distress allowance
- Flight delay
- Bounced bookings of hotels and flights
- Expenses incurred to transport body from place of death in India
Student Guard
If you are a student travelling abroad for studying or for vacation, this plan is the best fit for you as it covers-
- Baggage loss and delay
- Loss of passport and other documents
- Hijack cash benefit
- Missed departure
- Accidental and sickness medical expenses
- Accidental death and dismemberment
- Repatriation of remains
- Compassion visit
Asia Travel Guard
Want to explore the best of Asia? Choose the Asia travel guard policy covering-
- Personal liability
- Baggage loss or delay
- Loss of passport
- Accidental death and dismemberment
- Emergency medical evacuation
- Repatriation of remains
Domestic Travel Guard
When you are planning to travel domestic places, this plan would work best for you-
- Loss of ticket
- Reimbursement of accommodation expenses if the trip is delayed
- Reimbursement in case of flight delay due to a covered hazard
- Reimbursement of round-trip economy airfare and hotel in case of hospitalization while on a trip
Reliance Travel Insurance
No matter of if you are on a solo trip or going on a vacation with family or wish to add more destinations to your bucket list, reliance travel insurance takes care of your needs. They have a wide assortment of international travel insurance policies you can take advantage of. Here’s what their solo trip travel insurance promises you-
- Coverage of medical expenses
- Loss of passport
- Delay of check-in baggage
- Loss of check-in baggage
- Trip cancellation and interruption
- Missed flights
- Compassionate visit
- Home burglary insurance and so on
* Do check out their policies for family trip, students and different destinations
ICICI Lombard General Travel Insurance
When it comes to international travel insurance that gives you peace of mind, ICICI has a gamut of coverages and comprehensive plans to offer. Here’s what you get when you purchase ICICI Lombard travel insurance policy for your vacation abroad-
- Emergency cashless hospitalization facility worldwide
- Coverage of medical expenses
- Medical evacuation
- Personal accident
- Sickness and dental treatment
- Personal liability
- Compassionate visit
- Loss of luggage compensation
- Pre-approved and tailor-made insurance cover for Schengen countries
- Affordable Asia travel cover including loss of luggage, flight delay, accidents and extensions
- Special assurance for frequent trips
Travel insurance plays a pivotal role in making your trip a successful one as you can explore places stress-free. Since the medical and non-medical expenses incurred in abroad are exorbitant, travel insurance protects you against odd events.
These are some of the top-notch travel insurance companies that provide the best policies to travellers intending to travel abroad. If you plan to explore domestic places, you need not necessarily get travel insurance. However, if you intend to go for adventure sports on your vacation purchasing travel insurance will undoubtedly help you.