Compare Travel Insurance

Travel insurance is one of the most variable insurance products globally — coverage, pricing, and claim processes differ enormously between insurers, destinations, and trip types. For Indian travellers, the most critical driver is destination: Schengen visa applications mandate a minimum EUR 30,000 medical cover, while US and Canada require higher limits (USD 100,000+ recommended) due to the extraordinarily high cost of healthcare in North America. Annual multi-trip policies have grown significantly among frequent flyers, offering unlimited trips up to a per-trip duration (usually 30-45 days) for a single annual premium — often less than two standalone trip premiums. The COVID-19 pandemic transformed travel insurance permanently: most plans now include COVID-related medical cover, trip cancellation for pandemic-related reasons, and quarantine hotel expenses.

Pre-existing condition coverage remains the most contentious travel insurance issue — standard policies exclude it, while specialist plans from providers like Star Health (Global Mediclaim), TATA AIG, and Bajaj Allianz offer PED cover with waiting periods. For adventure sports enthusiasts — skiers, scuba divers, trekkers — standard travel insurance excludes high-risk activities, requiring specific adventure cover endorsements. Business travellers benefit from plans with higher baggage and electronics cover, plus business equipment coverage. When comparing travel insurance across the 12 markets covered on this platform, primary differentiation factors include: medical evacuation limit, trip cancellation coverage amount, baggage delay compensation speed, 24/7 assistance network quality, and the ease of the claims process — particularly for emergency medical claims abroad.