Best International Travel Insurance Plans for Indian Tourists in 2025

Traveling abroad is exciting—whether it’s for a honeymoon in Europe, a family holiday in Singapore, or an adventure trip to Bali. But what if your flight gets delayed, your baggage is lost, or you fall sick in a foreign country? That’s where international travel insurance comes in.

For Indian travelers, insurance isn’t just an extra—it’s a must-have safeguard that ensures peace of mind. In this guide, we’ll cover why travel insurance is important, what to look for in a plan, and the best international travel insurance plans for Indians in 2025.

🔎 Why Do You Need International Travel Insurance?

1. Medical Emergencies Abroad – Hospital bills in countries like the USA or Europe can cost thousands of dollars. Insurance covers these expenses.
2. Trip Cancellation/Delay – Refunds for flight delays, cancellations, or missed connections.
3. Lost Baggage or Passport – Covers the cost of essentials until you recover your belongings.
4. Personal Liability – In case you accidentally damage property or cause injury.
5. Mandatory Requirement – Countries like the Schengen States, UAE, and Thailand make travel insurance compulsory for visa approval.

🛡️ What Should You Look for in a Travel Insurance Plan?

• ✅ Medical Coverage: Minimum USD $50,000 for Schengen, more for USA/Canada.
• ✅ Trip Protection: Covers delays, cancellations, missed connections.
• ✅ Baggage Loss/Theft Cover: Reimbursement for lost baggage & passports.
• ✅ Adventure Sports Coverage: If you plan skiing, diving, trekking abroad.
• ✅ Cashless Network Hospitals: For quick medical help abroad.
• ✅ 24/7 Helpline: Emergency support worldwide.

🏆 Best International Travel Insurance Plans for Indians (2025)

1. TATA AIG Travel Guard

• Medical cover: Up to USD $5,00,000
• Covers: Medical emergencies, lost baggage, flight delays
• Special: COVID-19 cover included
• Ideal for: Family vacations & corporate travel

2. ICICI Lombard Travel Insurance

• Medical cover: Up to USD $5,00,000
• Covers: Passport loss, flight cancellation, hospitalization
• Special: Cashless treatment in network hospitals worldwide
• Ideal for: Frequent travelers & students

3. HDFC ERGO Travel Insurance

• Medical cover: Up to USD $5,00,000
• Covers: Emergency evacuation, medical repatriation
• Special: Adventure sports coverage available
• Ideal for: Adventure enthusiasts & leisure travelers

4. Reliance Travel Care Policy

• Medical cover: Up to USD $5,00,000
• Covers: Lost baggage, delayed flights, medical expenses
• Special: Affordable premiums for budget travelers
• Ideal for: Short holidays & family trips

5. Bajaj Allianz Travel Insurance

• Medical cover: Up to USD $5,00,000
• Covers: Accident hospitalization, passport loss, trip delays
• Special: Senior citizen-specific policies available
• Ideal for: Elderly travelers & family holidays

6. Care Health International Travel Insurance

• Medical cover: Up to USD $5,00,000
• Covers: Personal liability, medical evacuation
• Special: Low-cost student plans with extended validity
• Ideal for: Students studying abroad

Approximate Premiums (For 7–10 Days Trip)

• Budget policies: ₹500 – ₹1,200
• Mid-range policies: ₹1,200 – ₹2,500
• Premium policies: ₹2,500 – ₹5,000 (depending on destination & coverage)

How to Choose the Right Plan?

• Traveling to Europe → Schengen-compliant policy (₹50,000 cover min.)
• Going for studies abroad → Student-specific travel plan
• On a family holiday → Family floater policy
• For USA/Canada → Higher coverage (min. $200,000 recommended)
• For adventure trips → Add-on sports coverage

Pro Tips Before Buying Travel Insurance

1. Compare at least 3–4 providers online.
2. Always check exclusions (e.g., pre-existing diseases).
3. Buy before visa application (if mandatory).
4. Carry both print & digital copies of your policy.
5. Save emergency helpline numbers on your phone.

Conclusion

International trips are about creating beautiful memories, not dealing with unexpected financial shocks. With the right travel insurance plan, you can travel stress-free knowing you’re covered against medical issues, cancellations, or lost belongings.

At Plan My Tour, we not only plan your trip but also guide you in choosing the best insurance plan for your destination—so you enjoy a hassle-free vacation.