The Best Travel Insurance Plans in India 2023: Protecting Your Journey

Traveling is an exciting experience that allows us to explore new places, cultures, and create lasting memories. However, unexpected situations can arise, such as accidents, medical emergencies, or lost baggage, which can turn a dream vacation into a nightmare. That’s why having a reliable travel insurance plan is essential for any traveler. In this article, we will explore the best travel insurance plans in India for 2023, ensuring that you can travel with peace of mind.

travel insurance

Why Travel Insurance is Important

Before diving into the best travel insurance plans, let’s understand why having travel insurance is crucial. In a post-Covid world, travel insurance is no longer considered an additional expense but a necessity. It provides financial protection against unexpected events and emergencies that may occur during your trip. Here are some key reasons why travel insurance is important:

  1. Medical Emergencies: Travel insurance provides coverage for medical expenses in case of illness or injury during your trip. This includes emergency medical treatment, hospitalization, and medical evacuation.
  2. Trip Cancellations and Delays: If your trip gets canceled or delayed due to unforeseen circumstances, such as natural disasters or airline strikes, travel insurance can reimburse you for the non-refundable expenses you have incurred.
  3. Lost or Delayed Baggage: If your baggage is lost, stolen, or delayed by the airline, travel insurance can provide compensation for the value of your belongings, ensuring that you can continue your trip smoothly.
  4. Flight Accidents: Travel insurance offers coverage for accidental death or dismemberment that may occur during your flight. This provides financial support to you or your family in case of unfortunate incidents.
  5. Emergency Assistance: Travel insurance provides 24/7 emergency assistance, offering support and guidance in case of emergencies, including medical referrals, legal assistance, or emergency cash transfers.

Now that we understand the importance of travel insurance, let’s explore the best travel insurance plans available in India for 2023.

Best Travel Insurance Plans in India for 2023

After careful analysis and evaluation, Forbes Advisor India has identified the following travel insurance plans as the most pocket-friendly with maximum benefits for policyholders.

  Care Insurance International Travel Insurance

Why We Picked It

The Care Insurance International Travel Insurance plan is ideal for family trips abroad with coverage for pre-existing illnesses. It offers three variants – Platinum, Gold, and Silver – that cater to different destination preferences. The policy is available for a wide age group, from 1 day old to 70 years old.

Pros & Cons

  • Coverage includes pre-existing illnesses.
  • Add-on cover for reimbursement of visa fees if the visa gets rejected.
  • Does not cover any loss due to war.

  Tata AIG Travel Guard

Why We Picked It

Tata AIG Travel Guard offers comprehensive coverage for accidental death, dismemberment, medical expenses, and medical evacuation during international travel. It provides options for single-trip and multi-trip policies, with attractive add-ons such as home burglary insurance and compassionate visit by a family member.

Pros & Cons

  • Minimum entry age for single trip policy is 6 months, and for annual multi-trip policy is 19 years.
  • Emergency cash transfers and advances facility available.
  • No renewal benefits, and accidental death and dismemberment benefit is limited for insured persons aged 17 years or below.

  Universal Sompo Travel Worldwide

Why We Picked It

Universal Sompo Travel Worldwide offers a wide range of plans for international travel, catering to individuals, students, and corporate travelers. The policy provides coverage for emergency medical expenses, repatriation, personal accident, loss of checked baggage, and loss of passport.

Pros & Cons

  • Automatic policy extension of up to 7 days.
  • Wide network of hospitals worldwide for cashless treatment.
  • Does not cover damages to the passport if confiscated by customs or authorities.

  Bajaj Allianz Bharat Bhraman Insurance Policy

Why We Picked It

Bajaj Allianz Bharat Bhraman Insurance Policy is a comprehensive plan that covers travel via public and private vehicles within India. It offers personal accident cover, making it suitable for personal, business, or holiday trips.

Pros & Cons

  • Personal accident cover up to INR 10 lakh.
  • Option to add additional covers such as home burglary insurance and compassionate visit by a family member.
  • Does not include international travel coverage.

  Reliance Travel Care Policy – Senior Citizens

Why We Picked It

Reliance Travel Care Policy – Senior Citizens plan provides coverage for a wide age group of senior citizens. It covers loss of passports, checked-in baggage, trip cancellations, and offers cashless hospitalization during a medical emergency. However, coverage for pre-existing medical conditions is limited to citizens between the ages of 61-70.

Pros & Cons

  • Cover is available for senior citizens aged 61-90 years.
  • Cashless hospitalization and coverage for medical evacuation to India.
  • Standard plan offers low coverage; Gold and Platinum plans are recommended for ideal coverage.

  ICICI Lombard Overseas Travel Insurance

Why We Picked It

ICICI Lombard Overseas Travel Insurance offers a unique pay-per-day facility for existing policyholders, allowing them to extend coverage for any number of days. The policy includes coverage against Swine Flu and H1N1 influenza, and provides robust coverage for non-medical expenses such as trip delays and cancellations.

Pros & Cons

  • Overseas cashless hospitalization coverage.
  • Pre-existing diseases covered under life-threatening emergency situations.
  • Not applicable in certain countries, and does not cover sporting activities.

   Royal Sundaram Travel Secure – Leisure Trip

Why We Picked It

Royal Sundaram Travel Secure – Leisure Trip Plan is a comprehensive policy that covers various types of catastrophes, including socio-political, medical, natural, and man-made incidents, such as terrorism. The policy offers different coverage limits based on the sum insured, making it suitable for leisure travelers.

Pros & Cons

  • Covers trip cancellations or losses due to political unrest.
  • Available for children as young as 3 months.
  • Does not cover Covid-19 and is not applicable as a family floater plan.


Forbes Advisor India analyzed over 50 travel insurance plans based on key considerations such as coverage for medical needs, cancellation policies, cost, additional coverage, and flexibility. Each plan was scored on these factors to determine the best travel insurance plans for 2023.

How to Choose the Best Travel Insurance Plan in India

Choosing the best travel insurance plan requires considering key factors that will ensure the plan meets your specific needs. Here are some important factors to consider when selecting a travel insurance plan:

  1. Flight Changes: Look for a plan that accommodates changes to your travel plans, such as flight cancellations or rescheduling.
  2. Medical Emergencies: Ensure that the policy provides comprehensive coverage for medical emergencies, including hospitalization, medical treatment, and evacuation.
  3. Other Emergencies: Consider a policy that covers a wide range of emergencies, such as natural disasters, robbery, or curfews, to protect against unforeseen circumstances.
  4. Coverage: Thoroughly review the policy document to understand the coverage provided, including expenses covered during your trip.
  5. Additional Riders: Consider adding riders or additional coverage options that can enhance your policy and provide more comprehensive protection.
  6. Claims Ratio: Check the claims ratio of the insurance company to ensure they have a history of paying claims promptly.

Steps to Buy a Travel Insurance Plan

Buying a travel insurance plan can be done offline or online. Here are the steps to purchase a travel insurance plan:

Purchase a travel insurance plan offline:

  • Call the travel insurer directly or inquire about options through travel agencies that offer discounted rates.

Purchase a travel insurance plan online:

  • Visit the websites of insurance providers and compare plans.
  • Utilize aggregator websites to compare multiple plans from different providers.
  • Use the “compare plans” feature to find the best deal.
  • Consider any additional information or offers provided by the insurer.


Travel insurance is a crucial aspect of any trip, providing financial protection and peace of mind in case of unexpected events. The best travel insurance plans in India for 2023 offer comprehensive coverage for medical emergencies, trip cancellations, baggage loss, and other emergencies. By considering key factors and researching different plans, you can choose the most suitable travel insurance plan that meets your specific needs. So, before embarking on your next adventure, make sure to secure the best travel insurance plan to protect your journey.

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