Travel insurance for India

Average customer rating: 4.3/5

A guide to travel insurance for India

Last updated March 21, 2024
Written by Tiana Lee-Collins
Reviewed by Adrian Taylor

Why take out travel insurance for India

Taking out travel insurance for India can be a good idea to protect yourself financially against the unexpected, so that you can enjoy your trip with better peace of mind.

  • It can be expensive to get medical treatment overseas if you fall ill or are injured, which is where medical cover can help.
  • If you purchase travel insurance as soon as you make bookings or pay deposits for your trip, you may be covered if you unexpectedly need to cancel or reschedule it.
  • Your policy can offer protection against theft or scams for your belongings, cash and credit cards by providing reimbursement if you suffer a loss.

Choosing the right travel insurance for India

If you’re looking to purchase a travel insurance policy for India, consider checking the following:

  • Your policy exclusions. Every policy has exclusions, limits and sub-limits; it’s important to understand these limits and check whether you need any additional cover.
  • Optional extras. If you are planning on rental a car, or taking part in adventurous activities, check your PDS to see if you’re covered or if you’re able to purchase extra cover as an add-on.
  • Your type of insurance. If you’re taking your whole family on your Indian holiday, you may find a family travel insurance policy that covers you, your partner and your children better value than multiple single policies.

Expert tips for choosing the right travel insurance for India

Our Executive General Manager of General Insurance, Adrian Taylor, has some tips for matching the right policy to your trip.

Adrian Taylor
Executive General Manager – General Insurance

Compare policies that suit your needs

Consider the cover that best suits your travel needs when deciding on an insurance policy. This might include medical treatment, travel delay and cancellation costs, theft of personal belongings and cover for rental vehicle excess if you plan to drive.

Declare your pre-existing medical conditions

When applying for travel insurance, always declare any pre-existing medical conditions and make sure your policy provides adequate cover for them.

Consider annual cover if you’re a frequent traveller

If you’re a frequent flyer overseas, you may find greater value in purchasing annual multi-trip cover to last for an entire 12 months, rather than a single trip travel insurance for each journey (but be sure to check the maximum travel days that are covered, per trip).

Getting travel insurance for India

Do I need travel insurance for India?

What should I consider before taking out travel insurance for India?

Inclusions and exclusions

What should my travel insurance for India include?

What does my travel insurance for India exclude?

Top concerns where travel insurance for India can help

Theft and scams

Driving overseas


Meet our travel insurance expert, Adrian Taylor

Adrian Taylor
Executive General Manager – General Insurance

As the Executive General Manager of General Insurance, Adrian Taylor believes in educating customers about the importance of travel insurance so that anyone can kick back and make the most of their time away from home. While no one wants a disrupted holiday, a suitable travel insurance policy can provide a financial safety net for yourself, your belongings and your trip in case things go wrong.

1 Smartraveller. India. Last updated October 2023. Accessed October 2023.