Travelling is all about exploring new places, cultures, food, and meeting new people. But there are some situations, like medical emergencies, trip cancellation, lost luggage, flight delay, etc., that can happen to anyone, or at any time. In this case, it is advisable to purchase travel insurance to avoid any unexpected expenses. Travel insurance is crucial for everyone who goes on long-distance trips or a leisure tour. It is a policy that protects the traveller from unexpected events and provides financial security and peace of mind. It also offers numerous benefits to the traveller, without requiring them to worry about their expense burden or financial coverage.
| Company | Key features | Best for |
| Acko | Travel insurance starts at just ₹ 8/day. Covers over 200 countries and islands outside India. |
Suitable for solo-travellers, families, business travellers and budget-friendly travellers. |
| ICICI Lombard | Travel insurance starts at ₹ 22/day. Covers medical expenses for injuries sustained during sports activities. Cover options for cruise travel.
|
Best for business travellers and occasional travellers. |
| HDFC Ergo | Covers medical expenses (1 lakh + cashless hospitals), options for adventure cover/add-ons, etc. | Suitable for families, individuals, and frequent overseas travellers. |
| Tata AIG | Provides decent customer service, trip cancellations, etc., offers benefits like instant policy – no medical test. | Suitable for any individual travelling abroad for leisure or business purposes. |
| Reliance General Insurance | Starting premiums around ₹ 306* for some plans, covering medical emergencies, trip cancellations, comprehensive coverage, etc. | Ideal for all types of travellers. |
Best Travel Insurance Companies in India in 2025
- ACKO
Whether it is a business trip, solo trip, or family holiday, travel complications such as trip delays, baggage loss, or medical emergencies can arise. ACKO’s travel insurance plans start at ₹8 per day and offer coverage for up to 180 days. Benefits include 24/7 support, comprehensive coverage for medical expenses, flight delays, missed flights, loss of luggage, passport loss, accidental death, adventure sports injuries, and more. ACKO also offers add-ons such as delayed booking and adventure sports injury cover for improved coverage.
- ICICI Lombard
ICICI Lombard is another insurer that offers cashless medical treatment, covers loss of passports and luggage, and offers 24/7 instant support through its travel insurance plans. They also offer easy online travel insurance purchases, which include instant policy coverage, allowing you to opt for the plan that meets your needs anytime, compare plans to save on premiums, etc. Their travel insurance also covers no medical check-ups, trip cancellation and medical interruption, and pre-existing disease coverage.
- HDFC Ergo
With 3.2+ lakh happy customers and 24/7 customer assistance, it led to choosing HDFC Ergo when it comes to the best travel insurance company in India. HDFC Ergo’s travel insurance offers relief from a variety of travel-related inconveniences like medical issues, flight delays, baggage delay for check-in baggage, loss of passport, Covid-19 coverage, and loss of personal belongings. They also provide a ‘pay per day’ feature, which says pay according to the exact duration of the trip.
- Tata AIG
Tata AIG offers financial emergency coverage during your trip and offers a variety of benefits, which include baggage loss, medical treatment, missed flight or cruise, loss of portable electronic items, medical evacuation and repatriation, aircraft hijacking, non-refundable fees from trip delays or cancellations, etc. They provide several types of travel insurance, which include international, domestic, student, family, single, multi, and visa-compliant Schengen.
- Bajaj Allianz
Bajaj Allianz travel insurance will protect you from unexpected costs while travelling, provide financial security, and peace of mind. Bajaj Allianz plans offer emergency financial protection from trip cancellations/interruptions/extensions due to unforeseen circumstances, medical treatment and evacuation expenses cover, baggage loss, passport loss, and financial emergency cash if needed. Choose among international, domestic, business, senior citizen, corporate, and student travel insurance as per your requirements.
- Digit Insurance
Digit Insurance provides financial protection against any complication or unforeseen loss during your trips. They cover baggage loss, trip cancellation, trip delays and other benefits. They also cover international, individual, student, group, corporate, family, senior citizen, single, multi, and Schengen travel insurance policies.
Reliance General Insurance
Reliance General Insurance is considered a strong contender for the best travel insurance because of its dynamic pricing, customer-centric offers, and comprehensive coverage. The company offers a wide range of benefits, including trip cancellations and interruptions, medical emergencies, delays, lost or stolen baggage, emergency evacuation, and 24/7 assistance service. It also provides plans for various types of travellers, like students, senior citizens, and frequent flyers, with features like compassionate visit allowance and hijack distress allowance.
Conclusion
Travel insurance is a crucial part of travel to avoid any complications during your trip. Travel insurance policies are designed to reduce the financial risks of unexpected events during trips. Apart from primary support, they also add multiple perks for your trip. Check out and buy your travel insurance today according to your trip and traveller details to ensure financial security and peace of mind.
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