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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.

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  • Coverage includes pre-existing illnesses
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What is International Travel Insurance?

An international travel insurance policy 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. Be it 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 hospitalized, 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 insurance coverage for various medical and non-medical expenses you may incur during your foreign trip. The overseas travel insurance will safeguard you against travel-related inconveniences and free you and your travel companions from worries!

Why Should You Buy International Travel Insurance?

As the first step before you set out for your much-awaited journey abroad, get overseas travel insurance in India and experience a safe trip without any financial worry. We discuss the various scenarios when international health insurance for travel becomes essential. There can be many more instances when your travel cover would come in handy.

Scenario 1: A saviour in a medical emergency
When your objective is to explore a new place and make the most of your travel opportunity, a medical emergency is not something you will ever want to face! Yet, travel uncertainties are such and facing an emergency hospitalization can be extremely inconvenient and expensive – all impacting your time and finances. Having the right international travel insurance covers the medical expenses, keeping you protected.

Scenario 2: Mitigates the travel inconveniences
Unforeseen incidents, such as losing your luggage or passport, or even facing a trip delay due to a severe weather condition, can add to the burden of your expenses incurred abroad. Overseas Travel insurance will undoubtedly lower the hassles and cover the losses. Furthermore, the policy will cover the unexpected charges you incur on travel and accommodation in case of any trip cancellation or interruption, thus saving you from stress.

Scenario 3: Gives your family financial comfort during travel
Opting for a family international travel cover will ensure you have the convenience and protection from the travel risks, especially when children and elderly parents accompany you. The health insurance coverage in the plan keeps you financially secured if any family member faces an emergency hospitalization when you may have to cut short your trip.

Scenario 4: Mandatory Requirement for Trip Abroad
Few countries has made travel insurance mandatory. Buy travel insurance for international trips to make sure you are ready for any unforeseen circumstances.

Scenario 5: Cover for Emergency Medical Evacuation
If a medical condition necessitates you being taken from the incident site to the closest hospital, travel insurance for international trips will cover you.
Things can go wrong during an overseas trip, no matter how meticulous your planning was. A travel insurance gives you financial safety and comfort against such travel risks and saves your finances from draining out due to unforeseen emergency expenses. It is, remarkably, useful when you are far away from your home territory, in an unknown land facing unknown risks. Before going on an overseas trip, you must be aware of the possibilities of any medical exigency, injury, or accident occur, as these are life’s uncertainties. International travel insurance mitigates the financial burden and makes your entire travel experience more comfortable.

For instance :
Mr A planned a holiday to Japan without international travel insurance. He set a travel budget of Rs 3 lakhs.

Flight Tickets: Rs 1,00,000

Accommodation: Rs 65,000

Food: Rs 35,000

Miscellaneous Expenses: INR 70,000

Medical Emergency Fund: INR 30,000


He slipped from the stairs and was rushed to the hospital. He incurred expenses up to Rs 5 lakhs. He spent all the money from his pocket and returned disappointed.

Scenario 2
Mr B was smart enough to get an international travel insurance plan before a solo trip to Europe. He set a budget of Rs 3 lakhs.

Flight Tickets: Rs 1,40,000

Accommodation: Rs 70,000

Food: Rs 38,000

Miscellaneous Expenses: INR 50,000

Travel Health Insurance Cover INR 1,267 for Medical Emergency


Met with a minor accident and was rushed to the hospital. He incurred expenses up to Rs 5 lakhs. Thankfully, the international travel medical insurance he opted for covered his hospital bills and saved him from financial stress.

Our International Travel Insurance Plans in India

Care travel insurance plan for international trip guarantees that it will always have your back no matter how far you travel. We offer travel insurance from India that is suitable for all ages and socioeconomic groups.

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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 plan

  • Hospitalization Cover: The policy covers various hospitalization-related expenses, including in-patient and out-patient care one incurs in an emergency.
  • Daily Allowance for Hospitalization: We will reimburse the daily expenses, for a specified amount per day, in case of hospitalization 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 unfortunate accidental death of the insured person on a common carrier/transport, the 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) in case the insured is hospitalised.
  • Accidental Death/Permanent Total Disability: The 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 policy, for the same sum insured, on an individual basis.
  • Medical Evacuation: This Covers transportation costs for any emergency evacuation to transfer you to any medical facility within the network.
  • Pre-existing Disease Cover: Covers you for pre-existing disease in case of any life-threatening condition.

Non-Medical Benefits of International Travel Insurance Plan

  • 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.
  • Loss/Delay of Checked-in-Baggage: The 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. The policy will provide coverage up to a fixed amount on an aggregate basis for getting a new or duplicate passport.
  • Return of Minor Child: The policy 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 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 from India is no longer a difficult task:

how insurance works why choose travel insurance

Who can Buy Our International Travel Insurance Plan?

Any Indian citizen can opt for our travel insurance plan 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 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.

FAQs on International Travel Insurance

Q. What is International Travel Insurance?

An international travel insurance plan is a type of insurance plan that covers a range of medical and non-medical expenses the insured may incur during an emergency when travelling outside India.

Q. Why should I buy Care International Travel Insurance Plan?

Care International travel insurance plan gives you adequate financial support against various events that can occur during an emergency while travelling overseas. That includes trip cancellation, loss of baggage, and medical treatment.

Q. How can I Extend International Travel insurance Policy?

The policyholder can apply for a policy extension if he/she buys international travel insurance online by paying the premium. One can extend a single trip policy up to a maximum trip duration of 365 days. The policyholder must apply for an extension before the policy expires and submit requisite documents, including a health declaration. Our team will verify the information and grant permission for an extension of the policy. One cannot extend a multi-trip policy.

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

One need not undergo a pre-policy medical check-up for buying the EXPLORE policy. However, the customer must submit a health declaration mentioning any existing medical condition. It will not have an impact on the policy issuance or premium cost.

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

Our overseas travel insurance covers are available for the following geographies: 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?

Our Explore travel platinum plan offers a high sum insured and has no sub-limits on in-patient care expenses. Please refer to the policy T&C.

Q. Can I buy overseas travel insurance policy after I have travelled outside India?

You cannot opt for the policy after your trip starts. International travellers must apply for an international travel insurance policy in India before the start of their visit from India.

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

A policyholder is not allowed to change the policy sum insured & geographical scope after the start of the international trip. However, one can opt for policy extension if one requires extending the duration.

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

The Explore plan offers coverage for a minimum trip duration of 2 days and a maximum trip duration of 365 days in our single trip plans. Our 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. A single-trip policy will not cover once the coverage duration reaches 365 days, whereas a multi-trip policy cannot be extended.

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

Yes. You can opt for international health insurance for travel for your elderly parents. Please check the maximum entry age eligibility in the travel plan that you have selected.

Q. Can I avail a cashless facility for hospitalization under the Foreign Travel Insurance Plan?

We offer a cashless facility at our network hospitals for all emergency hospitalization (with a duration exceeding 24 hours). Contact the helpline numbers to know about cashless travel insurance coverage in a nearby network hospital during a medical emergency.

Q. Is International Travel insurance mandatory for Schengen Visa?

Yes. The Schengen travel insurance plan is a mandatory proof/document for any person applying for a Schengen Visa. Opt for our customized plan for your foreign travel to European countries.

Q. Do you provide financial assistance under International Travel Insurance Plan?

CHI provides 24X7 assistance during your trip. You can contact us on our toll-free numbers. You can also write to travelassistance@careinsurance.com

^^Number of Cashless Healthcare Providers till 31st Dec 2022


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