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International Travel Insurance

International Travel Insurance

International Travel Insurance intends to accompany you on all your travels and assist you in travelling more wisely. We cover everything from unexpected flight delays and missed connections to loss of belongings, medical emergencies, and adventure sports ouches so that nothing takes away your peace of mind.

  • Hassle-free Cashless Claim Settlement
  • Region Specific Plans to Suit Your Needs
  • Business Class Up-gradation
  • Coverage for emergency conditions due to pre-existing illnesses
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Insurance Claims Settled**
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What is International Travel Insurance?

International travel insurance financially protects you in the case of lost passports, lost checked baggage, or additional hotel expenses, among other contingencies.

Before starting your journey, there is an extensive list of things to be done – applying for a passport and visa, booking tickets, packing your luggage and everything you need for a comfortable visit. Whether a budget-friendly vacation or a luxurious overseas trip, travelling holds a unique significance for each of us. With such meticulous planning, you would not expect things to go wrong. However, any travel opportunity could expose you to some hidden risks - falling sick and getting hospitalised, losing your checked-in baggage, or facing a trip delay due to severe weather conditions.

At Care, you can choose a customized international travel insurance cover that will provide coverage for various medical and non-medical expenses you may incur during your foreign trip. In short, overseas travel insurance will safeguard your overseas journey from travel-related inconveniences.

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International Travel Insurance

International Travel Insurance with COVID-19 Coverage

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Student Travel Insurance

Secure your trip with Studying overseas

Things To Know About Care International Travel Insurance


Benefits Coverage
Trips Options Single & Multi Trips
Sum Insured From $10k Upto $1000k
Covid-19 Cover Standard Hospitalization Expenses
Claim Assistance 24x7
Cashless Treatment At Empannled Hospitals
In-house Claim Settlement Available
Family Options* Only for Single trip

*Family option means covering more than one member of a family under the same policy for the same sum insured on an individual basis.

What’s Covered Under Our International Travel Insurance Plan?

International travel insurance covers multiple events, such as flight cancellation, unexpected medical needs, loss of passport or lost luggage, etc. Here is the detailed coverage of an international travel insurance plan:

Medical Benefits of International Travel Insurance

  • Hospitalization Cover: The international travel insurance covers various hospitalization-related expenses, including in-patient and out-patient care one incurs in an emergency.
  • Daily Allowance for Hospitalisation: We will reimburse the daily expenses, for a specified amount per day, in case of hospitalisation maximum of up to five days per claim. A deductible of 2 days per claim is applicable.
  • Dental Expenses: The injury-related dental expenses the insured incurs during the trip will be covered, up to a specified amount, in the international travel insurance policy.
  • Common Carrier Accidental Death: In the case of an unfortunate accidental death of the insured person on a common carrier/transport, the foreign travel insurance policy will provide a lump sum amount.
  • 2-Way Compassionate Visit: We will cover the flight expenses incurred by an immediate family member (one adult) if the insured is hospitalised.
  • Accidental Death/Permanent Total Disability: The international travel insurance policy provides financial compensation in case of accidental death or permanent total disability during the trip.
  • Family Option Discount: You can also get a discount on the premium of an additional person if more than one family member is covered in the same overseas travel insurance policy, for the same sum insured, on an individual basis.
  • Medical Evacuation: International travel insurance policy also covers transportation costs for any emergency evacuation to transfer you to any medical facility within the network.
  • Pre-existing Disease Cover: This overseas travel policy covers you for pre-existing disease in case of any life-threatening condition.

Non-Medical Benefits of International Travel Insurance

  • Trip Delays: In case of trip delays due to unforeseen reasons like an earthquake, or severe weather conditions, the expenses will be covered up to a defined limit for each block of 4 hours delay, subject to the policy T&C.
  • Trip Cancellation or Interruption: We will cover the related expenses if you face trip cancellations or interruptions due to unavoidable circumstances like natural calamity or terrorism subject to the policy t&c.
  • Loss/Delay of Checked-in-Baggage: The international travel insurance policy will protect you by reimbursing a fixed amount in case of loss of checked-in or delays in receiving the luggage, as per policy T&C.
  • Loss of Passport: Losing travel documents can cause stress. Our international travel insurance plan will provide coverage up to a fixed amount on an aggregate basis for getting a new or duplicate passport.
  • Return of Minor Child: Our Overseas travel insurance will cover the reasonable expenses incurred during the return of the minor child to the home location.
  • Up-Gradation to Business Class: If the insured is hospitalized for five consecutive days or more and needs to return to the home location, we will reimburse the expenses towards up-gradation to business class, subject to policy T&C.
  • Automatic Trip Extension: You do not need to bother about your extended trip as the overeseas travel insurance policy provides automatic trip extensions for up to 7 consecutive days.
  • Missed Flight Connection: We will reimburse the additional accommodation and travel expenses if you missed a pre-booked flight, subject to policy T&C.
  • Hijack Distress Allowance: We would never want you to be in such a situation, but the policy will cover unforeseen events like hijacks by providing a fixed benefit for a specified time limit.

What is Not Covered Under Our International Travel Insurance Plan

It is necessary for any traveller opting for international travel insurance in India to know what the plan will not cover. This way, they will prevent any hassle when filing a claim.

Check here some *exclusions of international health insurance for travel:

  • Any treatment that could be reasonably delayed until the insured person’s return to the country of residence.
  • Any pre-existing ailment or illness or injury.
  • Any beauty/ cosmetic treatment/ or any reconstructive plastic surgery.
  • Trip cancellation or interruption due to a natural calamity not declared by the appropriate government authority.
  • Medical treatment or surgery (whether invasive or non-invasive) using a robotic surgical system.
  • Expenses due to the treatment related to self-inflicted injury or suicide.
  • Any personal liability arising out of Breach of Law or any criminal liability.
  • Treatment expenses incurred related to any hazardous activity, the influence of drugs/ or alcohol, or expenses incurred due to consequences of war/nuclear perils.
  • Any liability arising out of a false arrest, wrongful detention, wrongful eviction, defamation, or mental trauma and shock resulting from such situations

*Please refer to the policy T&C and prospectus to know about exclusions.

Claim Process for International Travel Insurance

The first thing you want to experience after an unfortunate accident is a smooth claim settlement. With our quick and simple claim process, making a claim under international travel insurance is no longer a difficult task:

claim process claim process

Who can Buy Our International Travel Insurance Plan?

Any Indian citizen can opt for our travel insurance for international trips. The eligibility criteria include:

  • The minimum entry age is one day for a child and 18 years for an adult.

  • The maximum entry age is 24 years for a child and no upper age limit for an adult.

  • The age of a proposer is at least 18 years or above.

  • The maximum entry age for an adult is as specified in the plan.

How to Buy International Travel Insurance Online?

It takes a lot of time and consideration to buy overseas travel insurance. Here are a few simple steps to help you in purchasing a international travel insurance policy before your travel:


Step 1

Go to the International Travel Insurance page on the Care Insurance website.


Step 2

Enter personal details like mobile number and pincode, then click on 'Get Quote’.


Step 3

Click on ‘Next’ after entering the proposer’s details, insured person’s details and the country you are travelling to.


Step 4

Enter trip duration, pre-existing conditions, select your coverage and click on ‘Done’ to calculate the premium.


Factors to Consider Before Buying an International Travel Insurance Policy


Trip Duration

As you set your trip budget by counting the number of healthling days, get the right health cover to secure you throughout your journey.


Assess Your Trip

Considering what you plan to do on your trip, pick a customized policy with benefits and check for optional emergency covers.



Note that the overseas health insurance plan you select covers the risks you may face and the destination where you are heading.


Schengen Approved

Those visiting any country in the Schengen region must opt for a valid Schengen health insurance policy.



A health insurance policy may have sub-limits on expenses, such as ICU charges, room rent, etc. Review for a cap on per-incident or per-claim.


Maximum Coverage

Check the policy benefits when opting for a health cover. Take a closer look at the policy inclusions to know the coverage



Check the policy documents to know the expenses your health policy will not cover so you can plan any out-of-pocket expenditure incurred.


Claims Procedure

Find the procedure to file an international health insurance claim. Know the contact details of customer care and when you should notify the insurer.

Is Overseas Travel Insurance Mandatory for When you Travel Abroad?

All countries have specific entry rules, and some have made overseas travel medical insurance mandatory for international travellers. For example, if you plan to visit countries in the Schengen Area, make sure you have valid foreign travel insurance coverage, as it is a prerequisite for visa application. An overseas travel insurance plan will offer you financial comfort against unforeseen travel risks, including emergency hospital treatment, personal accidents, loss of belongings, and repatriation in case of death.

We recommend an international travel medical insurance cover even if it is not mandatory in the country you are going to. It is vital for a few important reasons. Firstly, healthcare in many countries, including the USA, is unaffordable, especially for Indian tourists. Additionally, the travel uncertainties such as have always made travellers anxious – trip delays or loss of checked-in baggage can make travellers anxious . Our International Travel Insurance - Explore will cover you wherever you go! free you from all travel worries.

Why Should You Choose International Travel Insurance from Care?

When it comes to travelling abroad, opting for international travel insurance that cares to cover your entire overseas trip is crucial.

At Care, we ensure that you remain covered from day one of your trip until you return home. Some of the reasons to choose international travel insurance from us are as follows:

We Cover Pre-existing Ailments.

At Care Health Insurance, we do not defy your health insurance requirements when you are overseas. Thus, we cover your pre-informed ailments under our overseas travel insurance plan.

We are There Amidst Trip Hiccups.

Whether trip delays, missed connecting flights or trip cancellations, we cover everything that was not pre-assumed.

We Lend a Financial Shoulder to Fall Back On.

Your loved ones may or may not reach you amidst an emergency. However, International travel insurance from Care will ensure you have financial aid, whether it is an emergency evacuation, upgradation of a flight ticket, or loss of belongings.

Claim Process in a Jiffy.

No matter where in the world you are, our 24/7 available claim process will ensure that you can easily file and receive claims in times of need.

Besides providing travel insurance, Care also provides comprehensive health insurance plans in India. Just like Care’s International travel insurance plans, Care’s Health Insurance also ensures exhaustive coverage when facing a medical emergency resulting in hospitalisation.

Care’s main aim as a health and travel insurance provider is to ensure that our insured family remains covered against the unforeseen financial crises that one may encounter at any time.

Voice Of Customer

Divy Mishra December 19, 2023

Satisfied with Claim Settlement

I am satisfied with the teams behavior. Filed my claim for trip delay and got reimbursment within 10 days Commendable service.
Mandakini Rao December 19, 2023

Dont Waste Time, Just Buy It

Mrs. Chanchal from Chembur helped me buy the best travel insurance Thank you for guidance.
Babila Sangwan December 18, 2023

Nice Coverage

If you need a complete coverage throughout your trip, this plan is one to opt. Customer Service needs training
Sunita Chaubey December 17, 2023

Good Plan

Good plan for medical coverage but dose not give coverage for nonchecked in luggage loss.
Samiksha Mishra December 15, 2023

Waste of Money no refunds

I had to cancel my trip because my exams came up but the travel insurance did not compensate for my trip cancellation worse experience
Tushar Bhave December 01, 2023

Best Plan

Care Health Insurance isbest company. Best Plan Must Buy
Himanshu Verma December 01, 2023

Nice Service

Thanks to the humble assistance team, my father could easily take assistance when he needed to retrieve his lost baggage in Singapore. Nice services
Vipul Sharma December 01, 2023

Nice Customer Service

The Customer service listens patiently and solves the problem. thank you.
Mary Dsouza December 01, 2023

Nice Plan

The coverage is comprehensive however theres a lot of documents to read.
Rahul Sangwan

My appreciation for your prompt service

Recently, I’ve purchased JOY Maternity insurance for my expecting wife and my experience was excellent with the claim settlement team who helped me deal with all the formalities smoothly. Thank you for making my decision the right one!

Rahul Sangwan

Health Insurance

Samanway Barik

We will continue to avail of your scheme

I ported my healthcare plan last year; it is the wisest decision I made by choosing Care Health Insurance. I recently got admitted due to a viral infection, and all my expenses got covered under my plan.

Samanway Barik

Health Insurance

Soubhagya K Kulkarni

Everything went very smooth

Thank you for helping me when I needed help the most, being in the hospital. Buying Care’s health insurance plan is my best decision so far.

Soubhagya K Kulkarni

Health Insurance

Vaibhav Rai

Really helpful explaining the process in advance

Thank you for helping me with your fastest claim settlement process. I didn’t have to wait much for the approval. Everything was quick and seamless.

Vaibhav Rai

Health Insurance

Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.


Awarded as Best
Health Insurance Company of the year^


38 Lakh+ Claims Settled*



^India Insurance Summit & Awards 2023

FAQs on International Travel Insurance

Q. How can I extend my international travel insurance Policy?

You can apply for a policy extension online by buying international travel insurance from Care Health Insurance. You can extend your single-trip travel insurance for up to a maximum trip duration of 365 days. To do so, you must submit the required documents and a health declaration before the policy expires.

Q. Do I have to take a medical test to buy international health insurance for travel?

You do not necessarily have to undergo a complete body medical checkup to buy an international travel insurance policy. However, you may have to undergo a few diagnostic tests if your insurer requires one.

Q. What is the geographical scope of coverage in International Travel Insurance?

No matter where you are, our overseas travel insurance from Care Health Insurance is just a few clicks away! The plan covers most regions of Asia, Australia, New Zealand, Africa, Europe, Worldwide Excluding USA & Canada, Worldwide Excluding USA, Worldwide Including USA & Canada.

Q. What is the advantage of buying the International Travel - Platinum Plan?

By buying the International Travel Insurance-Platinum Plan from Care Health Insurance, you can avail of a high sum insured. You also get the no sub-limit benefit on in-patient care expenses.

Q. Can I buy an overseas travel insurance policy after travelling outside India?

No. You can only purchase international travel insurance until you do not take off from India. Once you cross borders, you can not buy travel insurance from Care Health Insurance.

Q. Can I change the Sum Insured on the international travel insurance policy after I have started my trip?

You cannot change or increase/ decrease your sum insured once you have started your international trip.

Q. What is the minimum & maximum trip duration covered in Overseas Travel Insurance?

The International Travel Insurance from Care Health Insurance offers coverage from 2-365 days for single-trip plans. Whereas, the multi-trip plans (Explore Asia, Explore Silver, Explore Gold, and Explore Platinum) offer coverage for 30, 45, or 60 days. The policy can be extended up to a maximum duration of 365 days. The single-trip policy can be extended up to a maximum of 365 days whereas there’s no clause of extending a multi-trip policy.

Q. Can I buy international travel insurance for my parents above 70?

Yes, you can opt for travel insurance for senior citizens if you are planning to insure an elderly over the age of 70 in overseas travel insurance.

Q. Can I avail of a cashless facility for hospitalisation under the Overseas Travel Insurance Plan?

You can opt for cashless treatment benefits if you buy international travel insurance online from Care Health Insurance and get admitted to a network hospital in a foreign country.

Q. Is International Travel insurance mandatory for Schengen Visa?

Yes, you will need Schengen travel insurance to apply for a Schengen Visa.

Q. Does Care provide financial assistance for the International Insurance Plan?

Yes. Care Health Insurance provides 24*7 financial assistance during your trip if you are covered with a travel insurance plan. You can contact us on our toll-free numbers. You can also write to travelassistance@careinsurance.com

^^Number of Cashless Healthcare Providers as of 30th June 2023

**Number of Claims Settled as of 31st May 2023


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