For Indians in 2025, international travel is at an all-time high—whether it’s for vacations, higher education, or work assignments. But what many travelers underestimate is the financial risk of being uninsured abroad.
A simple medical emergency in the US or Europe can cost ₹5–10 lakh without travel insurance. Flight cancellations, baggage loss, or passport theft can add to the stress. That’s why travel insurance has become a must-have for every Indian traveler.
This guide compares the top travel insurance plans for Indians in 2025, breaking down their features, coverage, and costs.
Why Travel Insurance Matters in 2025
- Medical Emergencies Abroad
- Hospitalization in the US: ₹6–8 lakh for a few days.
- Travel insurance covers these costs, often cashless.
- Trip Cancellation & Delay
- Airline strikes, visa delays, or sudden illness can derail plans.
- Insurance refunds flight + hotel booking losses.
- Lost Passport or Baggage
- Covers the cost of reissue and essentials if luggage is delayed.
- COVID-19 & New Health Protocols
- Many countries still require proof of insurance covering pandemics.
Key Features to Look for in Travel Insurance
- Medical Coverage Limit (at least USD 100,000 for US/Europe trips).
- Trip cancellation & curtailment.
- Baggage loss & delay coverage.
- Emergency evacuation & repatriation.
- 24×7 global assistance.
- Optional student, senior citizen, and family floater plans.
Top Travel Insurance Plans for Indians in 2025
| Insurer | Plan Name | Coverage (USD) | Special Features |
|---|---|---|---|
| ICICI Lombard | Travel Insurance 2025 | Up to $500,000 | Cashless hospitalization, lost passport cover |
| HDFC ERGO | International Travel | Up to $1,000,000 | Trip cancellation, adventure sports coverage |
| Religare Care | Global Care Plan | Up to $750,000 | Pre-existing condition cover (limited) |
| Tata AIG | Travel Guard | Up to $500,000 | Student-friendly, covers study interruption |
| Bajaj Allianz | Travel Elite | Up to $600,000 | Baggage delay + loss, family discount |
Case Example: Rohan’s US Trip
Rohan, a 30-year-old software engineer, traveled to the US in early 2024. Within a week, he needed an emergency appendix surgery costing USD 18,000 (~₹15 lakh). His HDFC ERGO Travel Insurance covered all expenses cashlessly, saving him from financial disaster.
Pros & Cons of Travel Insurance
Benefits
- Peace of mind during international travel.
- Financial protection against unexpected expenses.
- Required for student visas (US, Canada, UK, Australia).
Drawbacks
- Premiums can feel high for short trips.
- Pre-existing disease coverage is often limited.
- Claim process may require detailed documentation.
Quick Infobox: Average Premiums in 2025
| Trip Type | Premium (₹) | Coverage |
|---|---|---|
| 7-Day Asia Trip | ₹500–1,200 | Up to $50,000 |
| 15-Day Europe Trip | ₹1,500–2,800 | Up to $100,000 |
| 30-Day USA Trip | ₹3,000–6,500 | Up to $500,000 |
| Student Plan (1 yr) | ₹18,000–25,000 | Up to $250,000 |
Why This Matters
Travel insurance is no longer an optional add-on—it’s a travel essential. With IRDAI rules, increasing global travel, and high healthcare costs abroad, every Indian traveler in 2025 should carry a suitable policy.
👉 Next, read: Home Insurance in India: Coverage, Costs, and Exclusions
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