Planning an international trip in 2025? Whether for leisure, business, study, or medical reasons, travel insurance plans for Indians are more essential than ever. With rising global medical costs, unpredictable travel disruptions, and increasing visa requirements, choosing the right insurance is not just smart—it’s mandatory in many countries.
In this guide, we bring you the best travel insurance plans for Indians in 2025, along with features, benefits, and direct links to trusted providers. This blog also includes internal tips, comparison tools, and relevant travel resources to help you make a confident and informed decision.
Why Travel Insurance Matters in 2025
With global travel bouncing back and more countries enforcing strict entry rules (like Schengen Visa insurance), travel insurance is no longer an afterthought.
Here’s why it matters:
- Covers medical emergencies abroad
- Protects against trip cancellations or delays
- Offers reimbursement for lost or delayed baggage
- Provides emergency evacuation and hospitalization
- Often a mandatory requirement for visa approvals
Read our full guide on Schengen visa requirements for Indians to understand where travel insurance is compulsory.
Key Factors to Consider When Choosing a Travel Insurance Plan
Before buying any policy, consider:
- Destination (e.g., Europe, USA, Asia, Schengen countries)
- Duration of stay
- Age of travelers
- Nature of travel (student, business, leisure, family)
- Coverage type (medical, accident, baggage, COVID-19, etc.)
- Exclusions and deductibles
Looking to save money too? Check out our tips on how to save on international travel insurance.
Here are the top-rated travel insurance plans for Indian citizens in 2025:
Tata AIG Travel Guard
One of the best travel insurance plans for Indians in 2025, Tata AIG Travel Guard offers comprehensive coverage including medical emergencies, trip delays, baggage loss, and even hijack distress allowance. COVID-19-related claims are also covered.
- Coverage up to USD 500,000
- Emergency cash and medical assistance
- 24×7 worldwide support
ICICI Lombard Overseas Travel Insurance
This is a top-rated travel insurance plan for Indians going abroad. ICICI Lombard offers extensive coverage including trip cancellation, hospital cash benefits, and even protection for pre-existing conditions in emergency situations.
- Cashless hospitalization abroad
- Up to USD 500,000 in coverage
- Student-specific Globetrotter plans
HDFC ERGO Travel Insurance
HDFC ERGO offers customizable travel insurance plans for Indians including options for single-trip, multi-trip, and student travel. It is known for a high claim settlement ratio and excellent customer support.
- Multi-trip and student plans
- Loss of passport and baggage covered
- 24×7 helpline for claim support
Reliance Travel Insurance
Known for budget-friendly travel insurance plans for Indians, Reliance General provides coverage for medical emergencies, evacuation, and travel inconvenience. Student plans come with laptop and tuition fee protection.
- Affordable premiums
- Instant policy issuance
- Coverage for hijack distress and evacuation
Check Reliance Travel Insurance
Bajaj Allianz Travel Insurance
Bajaj Allianz offers feature-rich travel insurance plans for Indians including coverage for Schengen visa requirements, student benefits, and even home burglary insurance during travel.
- Schengen-compliant plans
- Mobile app support for claims
- Home burglary cover included
SBI Travel Insurance
SBI General offers essential travel insurance for Indian travelers at economical prices. It’s a trusted choice for travelers looking for simple, effective coverage abroad.
- Medical and accident coverage
- Trip cancellation and delay covered
- Easy online policy purchase
Digit Travel Insurance
Digit offers digital-first travel insurance plans for Indians with zero deductibles and fast paperless claims. Great for tech-savvy travelers and last-minute trips.
- COVID-19 coverage included
- Smartphone-enabled claims process
- Coverage for delays, baggage loss, and passport issues
Comparison Table of Best Travel Insurance Plans for Indians in 2025
| Insurance Provider | Medical Coverage | Baggage Loss | Trip Cancellation | COVID-19 Coverage | Special Features |
|---|---|---|---|---|---|
| Tata AIG Travel Guard | Up to USD 500,000 | Yes | Yes | Yes | Emergency cash, 24×7 support |
| ICICI Lombard | Up to USD 500,000 | Yes | Yes | Yes | Daily allowance, cashless |
| HDFC ERGO | Up to USD 100,000 | Yes | Yes | Yes | Multi-trip, high claim ratio |
| Reliance Travel Insurance | Up to USD 250,000 | Yes | Yes | Yes | Hijack distress, student plans |
| Bharti AXA | Up to USD 500,000 | Yes | Yes | Yes | No medical check-up |
| Bajaj Allianz | Up to USD 500,000 | Yes | Yes | Yes | Schengen compliant, app-based |
| SBI Travel Insurance | Up to USD 100,000 | Yes | Yes | Yes | Low premium, easy online buy |
| Digit Travel Insurance | Up to USD 500,000 | Yes | Yes | Yes | Smartphone claims, no deduct. |
| Future Generali | Up to USD 200,000 | Yes | Yes | Yes | Compassionate visits |
| Care Travel Insurance | Up to USD 500,000 | Yes | Yes | Yes | Pre-existing illness coverage |
Tips to Choose the Best Travel Insurance Plan for You
- Always compare plans on aggregator sites like Policybazaar or Coverfox
- Read the fine print, especially exclusions and claim procedures
- Select a sum insured based on your travel destination’s medical costs
- Choose plans with zero or low deductibles
- Ensure the insurer has a good claim settlement track record
Student-Specific Travel Insurance Plans
If you are a student planning to study abroad in 2025, there are exclusive travel insurance plans designed for you:
- HDFC ERGO Student Suraksha
- Tata AIG Student Travel Guard
- ICICI Lombard Student Explore
These plans include benefits like:
- Coverage for study interruption
- Sponsor protection
- Tuition fee reimbursement
- Compassionate visits
- Loss of laptop or study material
Travel Insurance and Schengen Visa
If you are planning to travel to any of the 27 Schengen countries, travel insurance is mandatory. Your policy must meet the following criteria:
- Minimum coverage of EUR 30,000
- Valid for the entire duration of the stay
- Covers medical emergencies and repatriation
Most insurers like Bajaj Allianz, Tata AIG, and ICICI Lombard offer Schengen-compliant travel insurance plans for Indians.
How to Buy Travel Insurance Online in India
Buying travel insurance online is quick and convenient. Follow these simple steps:
- Visit the insurer’s official website or use a policy comparison site
- Enter trip details like destination, duration, and traveler age
- Compare coverage, premium, and inclusions
- Fill in your details and upload the necessary documents
- Pay online and download the policy instantly
Conclusion
In 2025, having a travel insurance policy is not a luxury but a necessity. With rising medical costs and global uncertainties, the best travel insurance plans for Indians offer vital protection and confidence while exploring the world. Whether you are a student, tourist, business traveler, or senior citizen, there is a suitable policy tailored to your specific needs.
Before your next trip, take time to compare and choose the best plan that matches your requirements and budget. Travel smart, stay insured, and explore worry-free.
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