Buy Travel Insurance Online in India 2025: A Complete Guide
Travel insurance has become an essential part of any travel plan, whether for domestic trips or international adventures. In India, the process of buying travel insurance online has been simplified with the rise of digital platforms, allowing travelers to secure their journeys conveniently and affordably in 2025. This article explores everything you need to know about buying travel insurance online in India—including benefits, step-by-step procedures, top providers, and frequently asked questions.
Why Buy Travel Insurance Online in India?
- Convenience: Purchase policies anytime, anywhere without the need to visit an insurance agent or office.
- Comparison: Easily compare plans from multiple insurers, checking coverage, premiums, and benefits.
- Instant Coverage: Get instant policy issuance upon payment—no waiting.
- Transparency: Clear details about benefits like medical emergencies, trip cancellations, baggage loss, and more.
- Cost-Effective: Plans start as low as ₹10-₹30 per day, with customizable options for coverage and add-ons.
How to Buy Travel Insurance Online in India
- Choose a Reputable Insurer: Some top providers include Tata AIG, ICICI Lombard, ACKO, Niva Bupa, Bajaj Allianz, and HDFC ERGO.
- Enter Travel Details: Input your trip destination, travel dates, and number of travelers.
- Select Coverage: Choose from plans covering medical emergencies, trip cancellations, baggage loss, passport protection, and adventure activities.
- Compare Plans & Premiums: Review quotes tailored to your travel profile.
- Provide Personal Details: Fill in traveler information and medical declarations if required.
- Make Payment: Use secure online payment gateways.
- Instant Policy Issuance: Download or receive your policy document via email immediately after purchase.
For example, Tata AIG travel insurance premiums start as low as ₹24.8/day, with 360-degree coverage and easy claim processes. ACKO offers plans starting at about ₹10 per travel day, with claims typically settled in 2 business days and support for policy extensions online.
Benefits of Travel Insurance in India
- Coverage for medical emergencies during travel.
- Protection against trip delays and cancellations.
- Compensation for lost baggage and passport.
- Emergency evacuation and repatriation.
- Cashless hospitalization at partner hospitals (some plans).
- Adventure sports coverage (optional add-ons).
FAQs
Q: Can I buy travel insurance online in India?
A: Yes, you can easily buy travel insurance online through websites of insurers like Tata AIG, ICICI Lombard, ACKO, and others.
Q: How much does travel insurance cost in India?
A: Costs vary, with premiums as low as ₹10-₹30 per day depending on coverage, destination, and traveler’s age.
Q: What is covered in travel insurance policies?
A: Typical coverage includes medical emergencies, trip cancellations, baggage loss, passport protection, and emergency evacuation.
Q: Can I get the policy instantly after payment?
A: Yes, most online travel insurance providers issue policies instantly upon payment.
Q: Is medical examination required for buying travel insurance online?
A: Generally, no medical examination is required for most travel insurance plans in India.
