Travel Insurance in India
Every trip carries risk. Cover it properly before you leave.
DigiSafe compares travel insurance from 20+ IRDAI-approved insurers, covering medical emergencies, trip cancellation, baggage loss, flight delays, and passport loss. Paperless, instant policies. Unbiased advice, always.
20+
Insurer partners
1 yr
Multi-trip annual policy
100%
Paperless issuance
Designed for Every Kind of Traveller
Every traveller has different destinations, risk profiles, trip values, and coverage needs. DigiSafe helps you compare the right travel insurance plan for your journey.
International Leisure Travellers
Protection against medical emergencies and travel disruptions abroad.
Business Travellers
Coverage for frequent work-related travel across multiple countries.
Students Studying Abroad
Long-term protection for students pursuing education overseas.
Senior Citizen Travellers
Coverage designed for older travellers with higher medical risks.
Frequent Flyers and Multi-Trip Travellers
Annual coverage for multiple international trips under one policy.
Domestic Travellers within India
Protection against common travel disruptions on domestic journeys.
What Affects Your Travel
Insurance Premium
Destination & geographic zone
Travel to high-cost countries generally attracts higher premiums.
Trip duration
Longer trips increase premiums due to greater claim exposure.
Age of the traveller
Older travellers typically pay higher premiums for coverage.
Sum insured for medical cover
Higher medical coverage limits result in higher premiums.
Pre-existing medical conditions
Existing medical conditions may increase premiums or exclusions.
Add-ons & extensions chosen
Additional covers increase premiums while expanding protection.
Three Types of Travel Insurance Cover: Choose What Fits Your Trip
Every trip has different protection needs. DigiSafe helps you compare the right type of travel insurance coverage across 20+ leading insurers in India.
Single-trip travel insurance covers one specific journey from departure to return, including medical emergencies, cancellations, delays, and baggage loss, for the exact duration of that individual trip.
Single Trip Travel Insurance
Annual multi-trip travel insurance covers all international trips taken within a twelve-month policy period under a single policy, with a per-trip duration limit, suited to frequent business and leisure travellers.
Annual Multi-Trip Travel Insurance
Student travel insurance provides long-duration coverage, typically from six months to two years, for Indian students studying abroad, covering medical expenses, study interruption, and sponsor protection.
Student Travel Insurance
What's Covered & What's Not: Inclusions and Exclusions at a Glance
The biggest mistake in travel insurance is assuming all emergencies and all destinations are covered. Here is exactly what a standard policy includes and excludes.
What Travel Insurance Covers | What It Does Not Cover |
|---|---|
Emergency medical treatment and hospitalisation abroad | Pre-existing medical conditions, unless specifically covered |
Medical evacuation and repatriation to India | Travel to countries under government-issued travel advisories |
Accidental death and permanent disability abroad | Losses from participation in adventure sports, unless specifically covered |
Trip cancellation due to covered reasons | Cancellations due to disinclination or change of mind |
Trip interruption and curtailment costs | Losses caused by war, invasion, or civil unrest |
Flight delay compensation after a defined waiting period | Delays caused by circumstances within the airline's control, unless specified |
Checked baggage loss, damage, or delay | Loss of cash, jewellery, or unaccompanied baggage |
Passport and travel document loss abroad | Losses from failure to obtain necessary visas or permits |
Personal liability for third-party injury or property damage | Self-inflicted injury or injury under the influence of alcohol |
Emergency dental treatment for acute pain relief | Routine dental treatment, check-ups, and cosmetic procedures |
How DigiSafe Helps You Buy Travel Insurance
Our Process
Simple, paperless, and fully guided, from understanding your destination risks to receiving the right travel insurance policy digitally within minutes.
Tell us your destination, travel dates, traveller ages, trip cost, and any pre-existing health conditions so our advisors can identify the right coverage level and policy structure for your journey.
Share your trip and traveller details
01
We assess your destination's healthcare costs, trip investment, and health profile accurately, helping you avoid underinsurance, overpaying premiums, or choosing a medical limit that proves inadequate in an emergency.
We identify the right medical cover limit
02
Our advisors compare premiums, medical cover limits, claim settlement processes, cashless hospital networks abroad, and add-on options across 20+ insurers, completely unbiased and transparent.
We compare plans across insurers
03
Once you choose a plan, we handle instant policy issuance, travel documentation, and overseas claim coordination assistance through the insurer's emergency assistance network whenever you need support.
You buy, we stay to support
04
Why Use DigiSafe Instead of Buying Travel Insurance Directly
The premium you pay is identical whether you buy direct or through DigiSafe. What you get, however, is very different.
What Matters to You | Through DigiSafe | Direct from Insurer | Travel Agent's Tied Product |
|---|---|---|---|
Multi-insurer comparison | ✓ 20+ insurers | ✗ 1 insurer | ✗ 1–2 tied products |
Unbiased recommendation | ✓ We represent you | ✗ Insurer's own interest | ✗ Agent's tied interest |
Correct medical cover limit advice | ✓ Included in advisory | ~ Self-calculated | ✗ Often insufficient |
Overseas claim coordination support | ✓ Full guidance | ~ Self-managed | ✗ Minimal |
Extra cost to you | ✓ Zero | ✓ Zero | ✗ Often overpriced |
Coverage gap analysis | ✓ Included | ✗ Not offered | ✗ Not offered |
Renewal reminders and review | ✓ Proactive | ~ Purchase each trip | ~ Varies |
Six Things to Get Right When Buying Travel Insurance in India
The right travel insurance policy is not just about the lowest premium. DigiSafe helps travellers avoid common mistakes that leave them financially exposed when something goes wrong abroad.
Choose a medical cover limit that reflects your destination's costs
A USD 50,000 medical cover limit may be adequate for Southeast Asia but dangerously insufficient for the United States, where a single hospitalisation can exceed USD 100,000. Match your cover limit to your destination's actual healthcare costs.
Do not assume your credit card travel insurance is sufficient
Many premium credit cards offer basic travel insurance as a benefit. These covers typically carry low medical limits, significant exclusions, and require the full trip cost to be charged to the card to activate coverage, which many cardholders do not realise until they need to claim.
Buy your policy before you depart, not at the airport
Travel insurance purchased at the airport typically offers lower cover limits and higher premiums than policies bought in advance. More importantly, trip cancellation cover only applies if the policy is purchased before the cancellation event occurs.
Check whether your pre-existing condition is covered
Pre-existing conditions are among the most common grounds for travel insurance claim rejections. If you manage a chronic condition, confirm explicitly whether emergency treatment related to that condition is covered, and under what circumstances, before you travel.
Declare adventure activities before you travel
Standard travel insurance excludes injuries from adventure sports, including skiing, scuba diving, trekking above defined altitudes, and motorised sports. If your trip includes any such activity, ensure your policy includes the appropriate adventure sports extension.
Carry your policy document and emergency assistance number when you travel
A travel insurance policy is only useful if you can access it during an emergency. Save your policy number, the 24-hour international emergency assistance number, and your insurer's claims contact digitally and in print before you depart.
Any Questions
Frequently asked questions
What is Travel Insurance in India
Travel insurance protects travellers against unexpected financial losses caused by medical emergencies, trip cancellations, flight delays, lost baggage, passport loss, and other travel-related disruptions. A standard policy can cover emergency medical treatment, hospitalisation, evacuation, and accidental death, along with compensation for common travel inconveniences.
Despite the growth of international travel from India, many travellers either remain uninsured or purchase inadequate coverage without fully understanding the benefits and exclusions. A medical emergency or travel disruption abroad can result in significant expenses within a short period. Whether you are travelling for leisure, business, education, or to visit family overseas, the right travel insurance policy helps protect your health, finances, and travel plans.
As an IRDAI-licensed broker, DigiSafe compares travel insurance plans from 20+ insurers to help you choose the right coverage for your destination, trip duration, and travel needs.
Why Choose DigiSafe for Travel Insurance in India
Compare travel insurance from 20+ insurers
We help you compare travel insurance plans from leading insurers, including HDFC ERGO, TATA AIG, ICICI Lombard, Bajaj General Insurance, and others side by side.
Unbiased advice tailored to your trip
As an IRDAI-licensed broker, DigiSafe recommends plans based on your destination, travel duration, trip cost, health profile, and coverage priorities, not insurer targets or commission incentives.
Complete support from quote to claim
From selecting the right medical cover limit to policy issuance, renewals, and overseas claim assistance, DigiSafe supports you throughout your entire travel insurance journey.