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Travel insurance

Travel insurance policies help you secure your trip against medical and non-medical emergencies that may arise out of the blue.

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Travel insurance
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Written by:
Rashmi Rai
Rashmi Rai
Rashmi Rai
Insurance Specialist

Rashmi is an insurance specialist with a passion for storytelling. As an insurance sector wordsmith, she brings out a unique perspective and seamlessly explains the mundane terminologies of insurance.

Reviewed by:
Anjali Sharma
Anjali Sharma
Anjali Sharma
Insurance Expert

A skilled Insurance Specialist with expertise in writing and research in diverse fields like medical and insurance. Adeptly crafts clear and engaging content. With a strong understanding of complex terminology and regular guidelines, creating informative articles, blog posts, and marketing materials that resonate with the target audience.

Updated on:
1 Sep 2026
Reviewed on:
1 Sep 2026

What is Travel Insurance?

Imagine planning an international vacation and having to cancel it due to an unforeseen medical inconvenience. Sounds disheartening, right?

Not just emotional heartbreak, such cancellations also bring financial losses. Here, travel Insurance can come in as a safety layer, safeguarding your trip.

Travel insurance is a tool that provides financial security in the event of medical, non-medical, and trip-related emergencies. The insurance policy covers unforeseen trip cancellations, trip delays, loss of checked-in baggage, medical emergencies, and even trip nuisances, such as personal liability. Best travel insurance in India typically covers your trip from the moment you depart from your home country until the time you return. Travel health insurance plans are mainly of two types– domestic and overseas travel insurance. Keep reading through to understand the features, coverage, exclusions and more about overseas travel insurance.

Select from the Best International Travel Insurance Plans

  • EXPLORETravel Insurance Plan for Cross-border Trips
  • Student ExploreTravel Insurance to Secure Your Study Trip Abroad

Explore

  • Coverage for Pre-existing Diseases in Life-threatening Conditions
  • Trip Cancellation & Interruption Cover
  • Loss of Baggage Covered
  • Automatic Trip Extension in Medical Emergency
  • Cover Amount$50,000
  • Starting Atโ‚น28.98/day

Student Explore

  • Medical coverage extended to the country of residence
  • Coverage for Study Interruption
  • Medical Evacuation TEST123
  • University Insolvency

Why Choose Care Health Insurance for Your International Trip?

No matter where you are flying off to, having a travel insurance plan can help you travel stress-free. Below are the benefits of purchasing a travel insurance policy from Care Health Insurance:

why choose travel insurance

Features of Travel Insurance Plans

Below are the features and definitions of some of our best travel insurance plans.

Parameter Definition Details
Sum insured

The sum insured is an amount paid by the insurer to the insured in case of an unforeseen event.

  • abc
  • def
Ranging from โ‚น5 lakhs to โ‚น1 crores
Pre-hospitalisation expenses

Diagnostic, consultation and medical charges incurred before hospitalisation are pre-hospitalisation expenses.

  1. xyz
  2. def
Covered up to 60 days
Post-hospitalisation expenses The expenses incurred in taking recovery diagnosis, consultation and medication after discharge are called post-hospitalisation expenses. Covered up to 90 days
Ambulance charges The cost incurred in hiring ambulance services if a medical emergency occurs. โœ…
Daycare treatments A treatment that does not require 24-hour hospitalisation is known as daycare treatment. Examples include dialysis and chemotherapy. โœ…
ICU charges An additional feature in travel insurance plans that can be bought by paying an extra premium.  
Hospital Network The list of hospitals that tie up with the insurance company to provide hassle-free cashless treatments to the insured is called network hospitals in travel insurance. 21600 cashless travelcare providers with 11400+ network hospitals
Tax benefits The tax benefit is the deduction from the taxable amount you can avail of based on your travel insurance premium. Up to โ‚น75000 Under Section 80D
AYUSH treatments The medicine practices, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are AYUSH treatments.  
Domiciliary treatments Domiciliary treatment is the medical treatment offered to a patient at home when hospitalisation is impossible.  
Grace period The period after the policy expiry date, when you can renew your policy and retain the existing benefits, is known as a Grace period. 30 days after policy expiry
Waiting period The time that you have to wait before filing a claim for specified diseases is known as the Waiting period. 30 days / 24 months/36 months
Policy tenure Policy tenure is the maximum tenure till which you want your policy to offer coverage. 1 year/ 2 years/ 3 years / 4 years/ 5 years
Advanced medical treatments Treatment procedures that require modern methods, such as robotic surgery, laser treatment, stem cell therapy, etc., are known as Advanced medical treatments. Covered
Critical illness According to IRDAI, illnesses such as Cancer, Pulmonary Thromboembolism, Stroke, Angioplasty, etc. are considered critical illnesses Special plans offering coverage for 32 illnesses

Benefits of Travel Insurance

From protecting your trip against medical emergencies to ensuring you are covered in the event of trip delays, travel insurance offers several benefits. Let’s have a quick look at how online travel insurance benefits your international trip.

A Note from the Expert’s Desk

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What is Covered under Care health Insurance Plans?

  • Coverage
  • Exclusions

Abiding by the Insurance Regulatory and Development Authority of India (IRDAI), the best travel insurance plans offer COVID-19 coverage as per standard t&c. Likewise, medical insurance policies offer a set of other coverage and exclusions. Click through to understand them in detail:

Abiding by the

Travel insurance ensures that you are protected against the financial strain that may arise due to the hefty medical bills.

Coverage for Critical Illnesses

An expansive travel insurance can ensure that you get access to quality travelcare even if you are inflicted by a critical illness.

Protection above Corporate Travel Insurance

The comprehensive coverage and new-age benefits of an ideal travel insurance plan ensure that you do not suffer upon the exhaustion of your corporate plan.

Cashless Claim Benefit

During a medical emergency, a travel insurance plan with an expansive travelcare network can ensure that your focus remains on recovery, not paperwork.

Tax Benefits under Section 80D

Travel insurance is not just a safety net for your travel and finances but also an asset that can help you avail of tax benefits of up to โ‚น75,000 under Section 80D of the Income Tax Act, 1961

Wellness & Preventive Care

Travel insurance plans nowadays come with new-age benefits such as annual travel insurance check-ups, fitness benefits, and others that may prevent chronic ailments.

Financial Safety

Travel insurance ensures that you are protected against the financial strain that may arise due to the hefty medical bills.

Coverage for Critical Illnesses

An expansive travel insurance can ensure that you get access to quality travelcare even if you are inflicted by a critical illness.

Protection above Corporate Travel Insurance

The comprehensive coverage and new-age benefits of an ideal travel insurance plan ensure that you do not suffer upon the exhaustion of your corporate plan.

Cashless Claim Benefit

During a medical emergency, a travel insurance plan with an expansive travelcare network can ensure that your focus remains on recovery, not paperwork.

Tax Benefits under Section 80D

Travel insurance is not just a safety net for your travel and finances but also an asset that can help you avail of tax benefits of up to โ‚น75,000 under Section 80D of the Income Tax Act, 1961

Wellness & Preventive Care

Travel insurance plans nowadays come with new-age benefits such as annual travel insurance check-ups, fitness benefits, and others that may prevent chronic ailments.

Add-ons in Travel Insurance

Want to Explore the Best Travel Insurance Plans for Yourself?

Learn About Travel Insurance from Our Experts! Call us at 1800-102-4499.

How to File a Claim under Travel Insurance Plans

  • Cashless
  • Reimbursement

Locate a Network Hospital & Intimate Us

For Planned Hospitalisation intimate us at least 48 hours prior

For Emergencies intimate us within 24 hours of hospitalisation

Find a network hospital near you and visit the TPA desk.

Submit Pre-Authorization Request

Fill out the pre-authorization request form at the TPA desk. We'll notify you about the acceptance or rejection status.

Get Treated and Discharged

Fill out the pre-authorization request form at the TPA desk. We'll notify you about the acceptance or rejection status.

Intimate and Get Treated

For Planned Hospitalization intimate us at least 48 hours prior

For Emergencies intimate us within 24 hours of hospitalisation

Get treated at any hospital, pay the bill & collect the original reciepts.

Submit Claim

After discharge, fill out the claim form and submit it along with the receipts and necessary documents

Receive Reimbursement

We will verify your documents. Once approved, the claim amount will be transferred to your bank account.

How Do Travel Insurance Plans Work?

  1. Shortlist a travel insurance plan: Choose a travel insurance plan that meets your needs and budget.
  2. Make regular premium payments: Pay your premiums on time to keep your policy active.
  3. Seek medical treatment: Receive medical care from a travelcare provider.
  4. File a claim: Submit a claim to your insurance company for the medical expenses incurred.
  5. Send the claim form and medical certificate attesting your disability.
  6. Claim assessment: The insurance company reviews your claim to determine settlement.

Let us understand the entire workings of travel insurance with an example: Suvidha purchased travel insurance with a coverage of โ‚น10 Lakh for her family. A few months later, her mother got sick and had to see a doctor. Unfortunately, she had to get hospitalised as her condition worsened. Knowing that her mother was covered under her travel insurance policy, Suvidha searched for a nearby network hospital and admitted her for further treatment. She then informed her insurer about the emergency hospitalisation and completed the formalities. Upon discharge, the hospital directly settled the bills with the insurance company, while she paid only for the non-payable items. Further, she filed a reimbursement claim for the pre-and post-hospitalisation expenses. Suvidha filled out the reimbursement form and attested it with all the bills and reports related to the hospitalisation. Her insurer verified the documents and paid the claim amount to her bank account.

Which Type of Travel Insurance Should You Buy?

You should determine the best travel insurance policy by evaluating every member's travelcare needs, age, and current travel status. To help you select the right medical insurance for every member, we have created a scenario-based differentiation covering the different needs of individuals and families.

  • If You Have Dependent Family Members
  • If you need protection against Critical Illness
  • If you need protection against Critical Illness
  • If you need protection against Critical Illness
  • If you need protection against Critical Illness
  • If you need protection against Critical Illness

If You Have Dependent Family Members

  • Coverage for Pre-existing Diseases in Life-threatening Conditions
  • Trip Cancellation & Interruption Cover
  • Loss of Baggage Covered
  • Automatic Trip Extension in Medical Emergency

Comparing Our Travel Insurance Plan with Other Insurers

There is no universal travel insurance policy that suits everyone. Different plans have varying benefits, coverage, and premiums. Hence, comparing plans to choose the one that meets your needs is important. Take a look at how our plan compares to other options in the market:

Benefits Other Travel Insurers Plans Care's Ultimate Care Plan
MoneyBack Benefit The sum insured is an amount paid by the insurer to the insured in case of an unforeseen event.Although loyalty bonuses are offered for claim-free years, premiums are not returned. Ultimate Care returns the first year’s base premium upon every block of 5 claim-free years.
Bonus Limit Other travel insurance has a set limit on the bonus amount offered. The infinity bonus boosts your coverage up to 100% of the sum insured every year upon consecutive renewals.
Room rent limits Other travel insurance plans may have sub-limits on room rent. No Room rent limit.
Co-pay May have a fixed co-pay. No Co-pay.

Eligibility Criteria and Travel Insurance Policy Details

While most of our travel insurance plans have standard eligibility criteria, you can check the desired policy for specific conditions, like co-payments, waiting periods, etc. Tabulated below are the eligibility criteria to purchase travel insurance plans from Care Travel Insurance:

Minimum Entry Age Individual- 5 years | Floater- 91 days with at least 1 insured person of age 18 years or above
Maximum Exit Age Lifelong for Adults
Tenure Options 1/2/3 Years
Cover Types Individual and Family Floater basis
Waiting Period 30 days for illnesses, except injury | 24 months for named ailments | 36 months for pre-existing diseases
Grace Period 30 days to renew your policy post expiry

Travel Insurance on Your Fingertips

How to Reduce Travel Insurance Premium?

You know by new that your travel insurance premium is not a random number but wholesale prices in India rose to 0.53% in March 2024. This inflation has also been significant in the medical sector! The constant year-on-year increase in medicine prices, diagnostic tests, and hospital charges across India have made having an affordable mediclaim policy the need of the hour! Mentioned below are a few benefits of having travel insurance:

How do you Calculate the Premium of Travel Insurance Plans?

You can now calculate the premium using a simple travel insurance premium calculator designed especially for medical insurance policies. Here are the detailed steps on how to calculate your premium:

How to Choose Travel Insurance wisely?

To choose the best medical insurnace in India, you must consider the below-mentioned advantages:

How to Buy Travel Insurance Online?

The best part about the online vidha purchased travel insurance with a coverage of โ‚น10 Lakh for her family. A few months later, her mother got sick and had to see a doctor. Unfortunately, she had to get hospitalised as her condition worsened. Knowing that her mother was covered under her travel insurance policy, Suvidha searched for a nearby network hospital and admitted her for further treatment. She then informed her insurer about the emergency hospitalisation and completed the formalities.

  1. Shortlist a travel insurance plan: Choose a travel insurance plan that meets your needs and budget.
  2. Make regular premium payments: Pay your premiums on time to keep your policy active.
  3. Seek medical treatment: Receive medical care from a travelcare provider.
  4. File a claim: Submit a claim to your insurance company for the medical expenses incurred.
  5. Send the claim form and medical certificate attesting your disability.
  6. Claim assessment: The insurance company reviews your claim to determine settlement.

How to Renew Travel Insurance Policy?

Every medical policy renew urchased travel insurance with a coverage of โ‚น10 Lakh for her family. A few months later, her mother got sick and had to see a doctor. Unfortunately, she had to get hospitalised as her condition worsened. Knowing that her mother was covered under her travel insurance policy, Suvidha searched for a nearby network hospital and admitted her for further treatment. She then informed her insurer about the emergency hospitalisation and completed the formalities.

  1. Shortlist a travel insurance plan: Choose a travel insurance plan that meets your needs and budget.
  2. Make regular premium payments: Pay your premiums on time to keep your policy active.
  3. Seek medical treatment: Receive medical care from a travelcare provider.
  4. File a claim: Submit a claim to your insurance company for the medical expenses incurred.
  5. Send the claim form and medical certificate attesting your disability.

By buying a travel policy online, Suvidha purchased travel insurance with a coverage of โ‚น10 Lakh for her family. A few months later, her mother got sick and had to see a doctor.

How much Tax Benefit Can I get from Travel Insurance?

There is no universal travel insurance policy that suits everyone. Different plans have varying benefits, coverage, and premiums. Hence, comparing plans to choose the one that meets your needs is important. Take a look at how our plan compares to other options in the market:

Benefits Other Travel Insurers Plans Care's Ultimate Care Plan
MoneyBack Benefit The sum insured is an amount paid by the insurer to the insured in case of an unforeseen event.Although loyalty bonuses are offered for claim-free years, premiums are not returned. Ultimate Care returns the first year’s base premium upon every block of 5 claim-free years.
Bonus Limit Other travel insurance has a set limit on the bonus amount offered. The infinity bonus boosts your coverage up to 100% of the sum insured every year upon consecutive renewals.
Room rent limits Other travel insurance plans may have sub-limits on room rent. No Room rent limit.
Co-pay May have a fixed co-pay. No Co-pay.

Documents required to File a Claim under Travel Insurance

There is no universal travel insurance policy that suits everyone. Different plans have varying benefits, coverage, and premiums. Hence, comparing plans to choose the one that meets your needs is important. Take a look at how our plan compares to other options in the market:

Benefits Other Travel Insurers Plans Care's Ultimate Care Plan
MoneyBack Benefit The sum insured is an amount paid by the insurer to the insured in case of an unforeseen event.Although loyalty bonuses are offered for claim-free years, premiums are not returned. Ultimate Care returns the first year’s base premium upon every block of 5 claim-free years.
Bonus Limit Other travel insurance has a set limit on the bonus amount offered. The infinity bonus boosts your coverage up to 100% of the sum insured every year upon consecutive renewals.
Room rent limits Other travel insurance plans may have sub-limits on room rent. No Room rent limit.
Co-pay May have a fixed co-pay. No Co-pay.

Some Myths about Travel Insurance Busted

  1. Shortlist a travel insurance plan: Choose a travel insurance plan that meets your needs and budget.
  2. Make regular premium payments: Pay your premiums on time to keep your policy active.
  3. Seek medical treatment: Receive medical care from a travelcare provider.
  4. File a claim: Submit a claim to your insurance company for the medical expenses incurred.
  5. Send the claim form and medical certificate attesting your disability.
  6. Claim assessment: The insurance company reviews your claim to determine settlement.

Porting Your Travel Policy to Care Travel Insurance

You can now calculate the premium using a simple travel insurance premium calculator designed especially for medical insurance policies. Here are the detailed steps on how to calculate your premium:

Things to Keep in Mind When Porting Travel Insurance

According to a report by Business Standard, wholesale prices in India rose to 0.53% in March 2024. This inflation has also been significant in the medical sector! The constant year-on-year increase in medicine prices, diagnostic tests, and hospital charges across India have made having an affordable mediclaim policy the need of the hour! Mentioned below are a few benefits of having travel insurance:

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Recognized for Excellence in Travel Insurance and Customer Service

Overseas Travel Insurance: Plans for Popular Destinations

Planning for an international vacation in the coming year? Whether you are a solo traveller or are travelling with family, secure your next trip with these region-specific travel insurance plans from Care Health Insurance.

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FAQ

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Q. Does Care Supreme offer annual health check-ups?

Yes, the policy
  • offers the benefit of annual health check-ups
  • as an optional benefit with the base policy. It helps you keep track of your health and take timely preventive measures....

Q. What if I exhaust the sum insured limit of the Care Supreme policy?

We got you covered throughout a
  1. policy year with unlimited automatic recharge of
  2. the sum insured under the Care Supreme policy. Your coverage amount will be replenished automatically once you exhaust the limit every time in a given policy year....sunil

Q. What does Care travel insurance cover?

Our travel insurance offers comprehensive coverage, including medical emergencies, trip cancellations, lost baggage, trip delays, etc.

Q. What is covered under the emergency hospitalisation benefit of Care travel insurance?

Care travel insurance covers inpatient and outpatient medical expenses incurred due to unforeseen emergencies during your trip.

Q. 2Can I add my child to the Care Supreme health plan?

Yes, you might be required to undergo pre-policy health check-ups before opting for the Care Supreme policy, depending upon your current health status.

Q. Do I need to undergo medical tests before buying the Care Supreme policy?

Yes, you might be required to undergo pre-policy health check-ups before opting for the Care Supreme policy, depending upon your current health status.

Q. Does Care Supreme offer annual health check-ups?

Yes, the policy offers the benefit of annual health check-ups as an optional benefit with the base policy. It helps you keep track of your health and take timely preventive measures....

Q. What if I exhaust the sum insured limit of the Care Supreme policy?

We got you covered throughout a policy year with unlimited automatic recharge of the sum insured under the Care Supreme policy. Your coverage amount will be replenished automatically once you exhaust the limit every time in a given policy year....sunil

Q. What does Care travel insurance cover?

Our travel insurance offers comprehensive coverage, including medical emergencies, trip cancellations, lost baggage, trip delays, etc.

Q. What is covered under the emergency hospitalisation benefit of Care travel insurance?

Care travel insurance covers inpatient and outpatient medical expenses incurred due to unforeseen emergencies during your trip.

Q. Does Care travel insurance cover pre-existing medical conditions?

Yes, our travel insurance covers pre-existing medical conditions, ensuring you're protected in case of an emergency caused by a pre-existing ailment.

Q. 3Can I add my child to the Care Supreme health plan?

Yes, you might be required to undergo pre-policy health check-ups before opting for the Care Supreme policy, depending upon your current health status.

Q. ust the sum insured limit of the Care Supreme policy?

We got you covered throughout a policy year with unlimited automatic recharge of the sum insured under the Care Supreme policy. Your coverage amount will be replenished automatically once you exhaust the limit every time in a given policy year....sunil

Q. Whaturance cover?

Our travel insurance offers comprehensive coverage, including medical emergencies, trip cancellations, lost baggage, trip delays, etc.

Q. What is ospitalisation benefit of Care travel insurance?

Care travel insurance covers inpatient and outpatient medical expenses incurred due to unforeseen emergencies during your trip.

Q. Does Care travel insing medical conditions?

Yes, our travel insurance covers pre-existing medical conditions, ensuring you're protected in case of an emergency caused by a pre-existing ailment.

Q.vel insurance cover?

Our travel insurance offers comprehensive coverage, including medical emergencies, trip cancellations, lost baggage, trip delays, etc.

Q. What is covered ubenefit of Care travel insurance?

Care travel insurance covers inpatient and outpatient medical expenses incurred due to unforeseen emergencies during your trip.

Q. Does Care travel ng medical conditions?

Yes, our travel insurance covers pre-existing medical conditions, ensuring you're protected in case of an emergency caused by a pre-existing ailment.

Q. What does Care tracover?

Our travel insurance offers comprehensive coverage, including medical emergencies, trip cancellations, lost baggage, trip delays, etc.

Q. What is covered under the emergenc travel insurance?

Care travel insurance covers inpatient and outpatient medical expenses incurred due to unforeseen emergencies during your trip.

Q. Does Care travel insurance conditions?

Yes, our travel insurance covers pre-existing medical conditions, ensuring you're protected in case of an emergency caused by a pre-existing ailment.

Q. asdasd asdWhat does Care travel insurance cover?

Our travel insurance offers comprehensive coverage, including medical emergencies, trip cancellations, lost baggage, trip delays, etc.

Q. asdas dasdWhat is covered under the emergency hospitalisation benefit of Care travel insurance?

Care travel insurance covers inpatient and outpatient medical expenses incurred due to unforeseen emergencies during your trip.

Q. Care travel insurance cover pre-existing medical conditions?

Yes, our travel insurance covers pre-existing medical conditions, ensuring you're protected in case of an emergency caused by a pre-existing ailment.

Q. Whatasda as does Care travel insurance cover?

Our travel insurance offers comprehensive coverage, including medical emergencies, trip cancellations, lost baggage, trip delays, etc.

Q. under the emergency hospitalisation benefit of Care travel insurance?

Care travel insurance covers inpatient and outpatient medical expenses incurred due to unforeseen emergencies during your trip.

Q. insurance cover pre-existing medical conditions?

Yes, our travel insurance covers pre-existing medical conditions, ensuring you're protected in case of an emergency caused by a pre-existing ailment.

Q.surance cover?

Our travel insurance offers comprehensive coverage, including medical emergencies, trip cancellations, lost baggage, trip delays, etc.

Q. ion benefit of Care travel insurance?

Care travel insurance covers inpatient and outpatient medical expenses incurred due to unforeseen emergencies during your trip.

Q. e-existing medical conditions?

Yes, our travel insurance covers pre-existing medical conditions, ensuring you're protected in case of an emergency caused by a pre-existing ailment.

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Explore: UIN - RHITIOP20134V031920

##The life-threatening pre-existing diseases are covered up to 10% of the sum insured (max. up to $10,000) if disclosed during policy purchase.

^^Number of Travellers Served till Jan'25

**Number of Claim Amount Paid as of Apr'25

^Family members on the same policy with the same sum insured receive discounts on the premium of additional members covered: 2 members 5%, 3 members 10%, 4 members 15%, 5 members 17.5%, 6 members 20%.

1 In a medical emergency, the insurer reimburses the cost of return economy-class ticket for the most direct route for an immediate family member if the medical condition raises the necessity.
2 In case if an insured member encounters a life-threatening condition due to a pre-existing disease during the trip, then the policy offers coverage up to a specified limit given that the PED is informed at the time of policy purchase.