Travel insurance for India

Comprehensive travel insurance for India usually includes cover for unlimited medical expenses, competitive trip cancellation costs and generous limits on the theft of personal belongings.

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Travel insurance rules continue to change as a result of the pandemic. Some information may not be accurate at this time. It’s even more important to double-check all details that matter to you before taking out cover. Please note:
    • Some policies may not be available through Finder at this time
    • It’s unlikely that your policy will cover expenses from border closures
    From medical emergencies to stolen cash, travel insurance policies for India offer crucial financial protection against an extensive range of travel risks. Read on to find out what your policy should include how to find the right cover for you

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    What does travel insurance for India include?

    Travel insurance for India provides cover for a range of potential problems, including:

    • Medical emergencies. Travel insurance for India usually provides cover for emergency ambulance call-outs, medical, hospital and dental costs you incur while overseas, and medical repatriation back to Australia.
    • Trip cancellation and lost deposits. If circumstances that are beyond your control, such as an illness, requires you to cancel a pre-booked trip, your policy will cover any cancellation fees or non-refundable deposits.
    • Flight delays and missed flights. Travel insurance will cover you for missed flights and travel delays, provided it's not yours, or your airline's fault.
    • Lost or stolen luggage. In cases where an airline loses your luggage, you may receive funds to buy emergency clothing and toiletries. If your luggage is damaged or stolen, your policy will cover the cost of its repair or replacement.

    Most travel insurance providers also offer coverage for rental vehicle insurance excesses, theft of cash, the loss or theft of important travel documents, public liability and much more.

    Do I need travel insurance for India?

    Indian culture

    It's not compulsory to purchase travel insurance for India, but without it, you could be hit with a hefty bill if things don't quite go to plan. The majority of travellers visit India without incident, but there are some health and safety to be aware of:

    • Delhi Belly. Eating contaminated foods and drinking unsafe water can lead to diarrhoea, vomiting and all sorts of nasty stomach problems. Of course, The best way to avoid this is to drink bottled water and to stick to eating food from your hotel rather than street vendors.
    • Malaria and dengue fever can result in severe flu-like symptoms and extreme fever. These conditions are spread by mosquitoes, so a strong repellent is always recommended.
    • Typhoid and tetanus can also cause problems, so make sure you've had all the necessary vaccinations and shots before you travel to India.
    • Crime and theft. India has a relatively high crime rate when it comes to petty theft, scams and street crime, but that's not to say that it will happen to you. It's always wise to have your wits about you in crowded places and to keep an eye out for any suspicious activity.
    • Terrorism. Certain areas of India, including the country, such as the disputed Kashmir region near the Pakistani border, are notoriously unstable and should be avoided. Check travel advisories from the Department of Foreign Affairs and Trade before you visit India, as your insurance policy will typically not cover you if you visit an area the government has warned against travelling to.
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    How to find the best travel insurance for India

    When choosing a travel insurance policy that will work best for you, there are five questions to ask yourself:

    • 1. Where in India are you going? Understand which part of India you will be going to e.g. travel insurance cover may be voided for areas of political instability (e.g. near the border of Pakistan). Travel insurance brands won't cover you if the Smarttraveller website recommends not to travel.
    • 2. How many times will you travel overseas this year? If you're travelling overseas just once, you're fine getting a single policy, but if you plan to go overseas a few times in a year, annual multi-trip cover could help save you time and money.
    • 3. What activities in India will you take part in? If you plan on elephant riding for instance, make sure your policy covers you for the activity.
    • 4. Are you taking valuable items with you? Consider extra cover for expensive items such as cameras, laptops and electronics.
    • 5. Do you have any medical conditions? Make you declare any pre-existing medical conditions and pay for any extra cover necessary

    What should I do if something happens to me while I'm in India?

    If an event or incident occurs while you're in India that could lead to a claim, you'll need to let your insurer know as soon as possible. They'll normally ask you to fill out a claims form and provide some sort of evidence to support your claim. This could include:

    • Police reports
    • Medical records
    • Admission of fault from your airline
    • Proof of ownership for valuables
    • Hotel or shop receipts.
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    Travel Tips for Your Indian Getaway

    • Visa. You'll need a Visa to travel to India. Don't forget to fill out the necessary paperwork to get one.
    • Documentation. Keep copies of your travel insurance paperwork with you at all times. This will be very handy in the event that you have to make a claim.
    • Checkup. Meet with your doctor to ensure that you have had all the necessary vaccinations and health checks before you travel.
    • Losing your wallet. In case your wallet is stolen, it can be a great help if you know your credit card numbers and the phone number you need to call to cancel any cards.
    • Watch what you eat and drink. Drink bottled water and be careful not to eat anything that has been prepared in unsanitary conditions. The last thing you want is a case of Delhi Belly.
    • Be prepared for crowds. More than one billion people live in India, so you'll need to be ready to say goodbye to your personal space when you're in the big cities.
    • Dress conservatively. Observe local laws and customs and don't dress in any way that might be construed as offensive.
    • Be safe with your cash. Don't carry large quantities of cash on your person and avoid travelling to isolated areas alone.
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    Apply for India Travel Insurance

    For many of us, India is a dream holiday destination right at the top of our bucket lists. However, in order to ensure that your Indian getaway goes off without a hitch, take out travel insurance cover to protect you against a huge assortment of travel risks.

    Got yourself covered? Time to have some fun.

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    *The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing travel insurance policies.Picture: GettyImages

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