Travel insurance covers you against medical emergencies, trip cancellations or delays, and lost baggage or documents while you are travelling, whether overseas or within India. A single policy can protect one trip or a full year of trips, with special plans for students and senior citizens. Assurmate compares 15+ insurers to find the right cover for your destination and trip type, with free, conflict-free advice and full claims support.
Travel insurance is a short-term policy that protects you from the unexpected costs and disruptions that can happen on a journey. The biggest reason most people buy it is overseas medical emergencies, where treatment costs can run into lakhs of rupees and a single hospital admission abroad can be financially devastating without cover. It also steps in for everyday travel mishaps like a cancelled flight, a delayed trip, lost baggage or a misplaced passport.
In India, travel insurance is sold per trip (single-trip), as an annual multi-trip plan for frequent flyers, and as specialist student and senior-citizen variants. Cover and limits vary by insurer and policy wording, and the destination matters too, as Schengen-area visas and many countries require proof of valid travel insurance before they grant entry.
Anyone leaving home for a holiday, business trip, study abroad or family visit benefits from travel insurance, but it is especially important for overseas travellers where medical bills can be enormous and many visa regimes make it mandatory. Frequent business travellers are usually better off with an annual multi-trip plan, families travelling together can take a floater that covers everyone under one policy, and students heading abroad need a student variant that runs for the length of the course and often includes tuition-related and sponsor-protection benefits. Senior citizens and travellers with pre-existing conditions should pay close attention to age limits, medical declarations and any pre-existing-disease cover, which Assurmate can help compare across insurers.
A single overseas hospital stay can cost lakhs, and travel insurance shields you from those bills so one emergency does not derail your finances.
Schengen and many other destinations require valid travel insurance to grant a visa, and the right plan keeps your application compliant.
From cancelled flights and delayed baggage to a lost passport, the policy handles the everyday disruptions that can turn a trip stressful and expensive.
Choose single-trip, annual multi-trip, family floater, student or senior-citizen variants so you only pay for the cover your journey actually needs.
Most plans include round-the-clock helplines and cashless tie-ups abroad, so help is a phone call away even across time zones.
As an IRDAI-licensed broker we compare 15+ insurers for free and stand with you at claim time, so you get the best fit rather than a single company's pitch.
Tell Assurmate your destination, travel dates, travellers and ages, and we shortlist suitable single-trip, multi-trip or student plans.
We lay out cover, limits, exclusions and price side by side so you can choose on value, not just the lowest premium.
Complete a short proposal and any health declaration, pay securely, and receive your policy and visa-ready certificate instantly by email.
If something goes wrong abroad, our team helps you use the 24x7 assistance line and guides your claim from start to settlement.
The things people ask us most about this cover.
It is not legally required for every country, but it is mandatory for Schengen visas and several other destinations, which ask for proof of valid medical cover before granting entry. Even where it is optional, it is strongly recommended because overseas medical bills can be extremely high.
A single-trip plan covers one specific journey for its exact dates, while an annual multi-trip plan covers unlimited trips in a year up to a maximum number of days per trip. Multi-trip plans are usually more economical for people who travel several times a year.
Standard plans generally exclude pre-existing conditions, though most cover a sudden life-threatening emergency related to them, depending on the wording. If you have an ongoing condition, declare it and consider a pre-existing disease add-on, and Assurmate can compare which insurers offer the best terms.
Most insurers require you to buy the policy before you depart from India, as cover is intended to begin at the start of the journey. A few plans allow purchase after departure with conditions, but options are limited, so it is best to buy before you leave.
Call the 24x7 assistance number on your policy as soon as the emergency occurs, as many medical claims abroad can be handled cashless at network hospitals. Keep all bills, reports, police reports and proofs of loss for reimbursement, and Assurmate will guide your claim through to settlement.
Yes, domestic travel insurance is available and typically covers hospitalisation due to accident, trip cancellation or delay, and baggage loss within India. Cover and limits are usually lower than international plans and vary by insurer and policy wording.
Cashless hospitalisation cover that protects your savings from rising medical bills.
Explore coverOne policy, one premium that covers your entire family under a shared sum insured.
Explore coverSpecialised health cover for parents and elders aged 60+ with higher entry-age limits.
Explore coverTell us a little about your situation and an advisor will recommend the best-fit cover across 15+ insurers — free and unbiased.
Share a few details and an advisor will reach out, usually the same day.
