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11 Best Travel Insurance Companies in July 2024

Sean Cudahy is a freelance reporter specializing in coverage of airlines, travel, loyalty programs and public policy. A journalist of nine years, Sean most recently served as a general assignment reporter at The Points Guy, following an eight-year run as a local television news reporter. He lives with his wife and their French Bulldog outside Raleigh, North Carolina.

Giselle M. Cancio is an editor for the travel rewards team at NerdWallet. She has traveled to over 30 states and 20 countries, redeeming points and miles for almost a decade. She has over eight years of experience in journalism and content development across many topics.

She has juggled many roles in her career: writer, editor, social media manager, producer, on-camera host, videographer and photographer. She has been published in several media outlets and was selected to report from the 2016 Summer Olympics in Rio de Janeiro.

She frequents national parks and is on her way to checking all 30 Major League Baseball parks off her list. When she's not on a plane or planning her next trip, she's crafting, reading, playing board games, watching sports or trying new recipes.

She is based in Miami.

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

If you don't have sufficient travel insurance coverage via your credit card , you can supplement your policies with third-party plans.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers.

Top credit cards with travel insurance

Methodology

Best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

• ExactCare Value (basic) plan is among the least expensive we surveyed.
• Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
• Company may reimburse claimants faster than average, including possible same-day compensation.
• Multiple "Trip Delay" coverage types might make claims confusing.
• Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at nearly all plan levels. 

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

» Jump to the best cards with travel insurance

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

• Coverage available for adventure travelers.
• Offers direct billing.
• Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

• In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
• Adventure sports-specific coverage is available.
• Plans have overlap that can be hard to distinguish.
• Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

• Covers up to $300 redepositing points and miles on eligible canceled award flights.
• Optional add-on protection for business equipment or sports rentals.
• Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

• Covers travelers up to 95 years old.
• Includes direct pay option so members can avoid having to pay up front for services.
• A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
• No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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ERGO Travel Insurance Ltd   Reviews

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Reviews 4.6.

2,636 total

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Had to cancel our holiday am make a…

Had to cancel our holiday am make a claim due my son getting injured before we were due to travel. This company made the process quick and easy for us. The communication was quick and everything explained well at every step. Highly recommended.

Date of experience : 27 June 2024

Reply from ERGO Travel Insurance Ltd

Hello Ellen, Many thanks for your great review, It is good to know our customer service team are performing up to the high standards we set, and that the process for your claim was quick and easy. Kind regards, ERGO.

Quick and easy

Quick and easy, I was not looking forward to doing my renewal but it was, as I have said, quick and easy. Thank you.

Hello Angela, Many thanks for your review, Great to hear you found your renewal quick and easy. Kind regards, ERGO.

Following a recent bereavement

Following a recent bereavement, I cancelled two rail journeys and claimed refunds from ERGO. My circumstances were dealt with sensitivity, receiving sympathy and clarity over the refund issues. Resolved quickly with the refunds I was entitled to. Claim handler Paige was excellent in all her communication.

Date of experience : 19 June 2024

Hello Simon, Many thanks for your review, we are sorry for your loss. Great to hear our customer service team dealt with your claim appropriately and that it was handled at the high standards we set. Kind regards, ERGO.

Easy To Deal With

Really easy to deal with after a silly mistake! After accidentally purchasing travel insurance for the incorrect dates, Lorraine at Ergo made it easy for me to amend the policy with an updated premium or offered a refund under cooling off. The refund was chosen and monies received within 3 days. Will not hesitate to deal with in the future if premiums allow.

Date of experience : 30 May 2024

Hello Matthew, Many thanks for your great review, Good to know our customer service team are performing up to the high standards we set. Kind regards, ERGO.

Great service

Great service, easy to arrange

Date of experience : 28 June 2024

Great service easy to fill the form and get your insurance in minutes

Date of experience : 04 December 2023

Hello, Many thanks for your review, Great to hear you found the process quick and easy. Kind regards, ERGO.

Travel insurance simplicity

A simple to use yet comprehensive insurance service for travellers with pre existing medical conditions at very competitive rates

Date of experience : 25 June 2024

Hello Mrs Thomas, Many thanks for your review, Great to hear you found the process easy and that we remain competitively priced. Kind regards, ERGO.

Straightforward purchase

Straightforward and easy to purchase

Hello Kaye, Many thanks for your review, Great to hear you found the process straightforward and easy, it is always good to know. Kind regards, ERGO.

Very quick and attentive service.

Hello Gavin, Many thanks for your review, Great to hear our service is up to the high standards we set. Kind regards, ERGO.

Great service; very easy process.

Hello, Many thanks for your review, Great to hear you found the process easy and that our service is up to the high standards we set. Kind regards, ERGO.

Good product and great prices

Very simple straightforward for a last minute trip. Thank you. Nice to know I was covered even though I didn't need it.

Date of experience : 18 June 2024

Hello Graham, Great to hear you found the process straightforward, it is always good to know. Kind regards, ERGO.

Tricking customers out of their money

Tricking customers out of their money. This company is selling it's insurance through the following wording on Trainline's website: 'We'll reimburse onward travel costs if an issue with public transport means you miss your scheduled train or if you miss your connection due to a delayed/cancelled first leg'. They deliberately neglect to mention (apart from in their actual policy) that you won't be covered at all in these circumstances unless it's due to strike, weather or mechanical failure.

Hello Ben, Could you please send over your policy number so a member of the team can look into this for you. Many thanks, ERGO.

Only experience so far of actually…

Only experience so far of actually needing travel insurance & ergo were very good at every step. Helpful & assuring staff & once we got all receipts etc together payment was agreed & made quickly. Would definitely recommend.

Date of experience : 29 February 2024

Hello Adam, Many thanks for letting us know our customer service is up to the high standards we set, great to hear we could process your claim quickly. Kind regards, ERGO.

Ergo via payingtoomuch.com - fantastic!

I took out travel insurance with payingtoomuch.com (for whom I have left a great review). I see the insurance company they covered with was Ergo and it was with Ergo that I lodged, recently, five claims, due to my husband's cancer returning. My claims were all dealt with them - and settled! money in my bank account - within, easily, 5 working days. No fuss, no hassle. I cannot recommend them highly enough, or thank them sufficiently, at what is, for us, a very difficult time. PS Since writing this review, I have had to cancel other holidays, unfortunately, due to my husband's cancer and Ergo have, once again, been absolutely wonderful. Fast, efficient, friendly and settlement without any hassle.

Date of experience : 01 March 2024

Hello Sue, Many thanks for your great review, it is very much appreciated. Good to know we could be there in what is obviously a difficult time for you, and great to hear our customer service is up to the high standards we set. Kind regards, ERGO.

Travelling for a day but worthwhile insurance just in case the unexpected happens. Easy to use service.

Date of experience : 05 June 2024

Hello Jane, Great to hear you found the service quick and easy to use, many thanks for letting us know. Kind regards, ERGO.

Easy to get quotation

Easy to get quotation, understandable, and I hope I don't need to put it to the test!!!

Hello Roy, Great to hear you found the service easy to use, many thanks for letting us know. Kind regards, ERGO.

Easy to buy, don't dare try to claim

Easy to buy, but impossible to raise a claim with. I couldn't travel due to illness, certified by my doctor and have been trying to raise a claim for 2 weeks. The site has been down, there has been no response to 4 emails, I could not make contact on the phone line and the webform has a submission error.

Date of experience : 12 June 2024

Hello Ruari, Please could you send over your policy number so a member of the team can look into this for you. Many thanks, ERGO.

Easy process and value for money.

Hello Leslie, Many thanks for your review, Great to hear you found the process easy and that we remain competitively priced. Kind regards, ERGO.

Simple to book and the cover was a…

Simple to book and the cover was a great price for what I needed

Date of experience : 24 June 2024

Hello Miriam, Many thanks for your review, Great to hear you got the cover you needed and that we remain competitively priced. Kind regards, ERGO.

Good customer service

I did not have to claim on my policy, but buying one is easy, price is good and customer services are responsive and friendly

Date of experience : 30 April 2024

Hello Paulina, Many thanks for your review, Great to hear you found the process easy, we remain competitively priced and that our customer service is up to the high standards we set. Kind regards, ERGO.

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Travel insurance

Tricky travel insurance questions answered by experts

Erica Lamberg

Alyce Meserve

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Heidi Gollub

Published 6:00 a.m. UTC July 2, 2024

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• Travel insurance is subject to the terms and conditions of your policy, so it’s vital to read your policy documents to understand the scope of coverage, policy limits and exclusions of your plan. 
• Although your credit card may offer some valuable travel insurance benefits, make sure the coverage limits are a fit with your travel plans and circumstances.
• You can buy travel insurance to cover a portion of trip expenses, or to cover a trip with no prepaid, nonrefundable costs. 

Travel insurance can be a sound investment that protects your trip costs, health and the value of your belongings while you’re on a trip. Most comprehensive travel insurance plans provide coverage for the following issues: trip cancellation, trip delay, trip interruption, medical expense, emergency medical evacuation and baggage loss protection.

Your plan documents will provide an overview of the scope of coverage, including what your travel insurance covers , the limitations and what is excluded from your coverage.

It’s important to read your policy thoroughly and carefully so you can get the most value from your travel insurance plan.

Even when a policy is comprehensive, you may still have questions and concerns about the scope of what your plan will cover, how the policy works regarding reimbursement and more. We’ve asked travel insurance experts to explain the fine print and address some pressing travel insurance questions to help you be a more informed traveler and be best protected on your trip.

Do I need to buy travel insurance if my credit card covers it?

You may hold a credit card with travel insurance benefits that are provided when you use that credit card to pay for your trip. But its coverage might not be sufficient for an expensive or international trip. 

“Many credit card providers include no additional charge travel insurance coverage as part of a customer’s selection of a particular card,” said Scott Adamski, spokesperson with AIG Travel . “Based on the card type and level, benefits vary significantly, so it’s incumbent on the cardholder to review the terms and conditions in order to understand what coverages, if any, are included in the card.”

He cautions that cardholders should review limits of coverage to determine whether they are adequate for their needs. “In one review of credit card trip cancellation coverage, a particular card offers a $1,500 maximum trip cancellation benefit. If the customer were taking a trip with, for example, a $5,000 trip cost, there may be a limitation as to getting reimbursement above the benefit level through the coverage under the credit card,” said Adamski.

Another important consideration is that select credit cards may provide limited or no medical expense coverage . As most domestic health insurance isn’t accepted in foreign countries, make certain you are prepared with health coverage when traveling outside the U.S.

Travel insurance policies that you buy from a third party let you customize your coverage so you can get the benefits you need for a particular trip. These standalone policies offer a larger list of covered cancellation and interruption reasons, missed connection benefits, optional upgrades like adventure bundles, rental car coverage or increased limits on baggage, trip delay and medical and emergency evacuation protection . Plus, the only way to get “ cancel for any reason ” and “interruption for any reason” coverage is through a third-party policy. 

Although many credit cards provide baggage and trip delay insurance, getting a claim paid can take an extended period. Because airlines sometimes provide compensation for delayed flights and baggage, the credit card company may require you to prove what the airline reimbursed you before it will consider your claim.

“It is important to understand all parameters of the coverage, and you should review the details of any coverage you have through your credit cards,” Adamski said. He added, that due to the limitations described above, a third-party travel insurance program may be a great complement to the coverage offered through a credit card.

Can I insure only part of my trip?

Daniel Durazo, spokesperson for Allianz Partners US, said indeed you could purchase travel insurance to cover only part of your prepaid travel expenses. 

If, for instance, your flights are refundable and your car rental is cancellable, you may only want to buy travel insurance for the value of your prepaid accommodations. 

Travel insurance costs an average of 5% to 6% of the prepaid, nonrefundable trip expenses you want to insure. Insuring a lower amount will bring down the cost of your travel insurance policy.

Can I insure a trip with a value of $0?

Adamski with AIG said, yes, you can insure a trip with a zero value. “In fact, purchasing a travel insurance plan where there are no prepaid nonrefundable costs is not uncommon, and a common scenario includes the use of airline or similar mileage to pay for travel,” he said.

So when someone is using rewards miles to purchase air tickets or other components of a travel experience, there may not be any non-refundable amount. “An insured can still purchase an AIG Travel plan at $0 trip cost and benefit from the comprehensive coverages offered in the plan, i.e., medical expense, baggage and medical evacuation,” said Adamski.

Is it worth buying an annual policy or are the limits much lower? 

Opting to buy an annual travel insurance plan may be a sound purchase for frequent travelers. “Typically, an annual plan may offer lower benefits and limited coverage for scenarios such as trip cancellation, trip interruption or travel delays but will, conversely, have robust coverage for medical expense and medical evacuation benefits,” explained Adamski.

Therefore, someone who’s taking a number of low-cost trips using domestic air travel may elect to buy an annual plan specifically for more catastrophic events, such as a medical evacuation, particularly if they’re not as concerned about protecting the low-cost airfares, he said.

As an example, parents who have children located throughout the U.S. and are paying for lower costs, such as domestic air tickets to travel and then staying with their children, have relatively low out-of-pocket costs. “An annual plan may be a good fit. However, if those parents decide to take a vacation and book a $25,000 cruise, an individual travel insurance plan would be a good option,” clarified Adamski.

Annual policies can vary widely in terms of how or whether they cover pre-existing conditions. Some policies may cover pre-existing conditions if you buy the plan shortly after paying the initial deposit, while others cover them only if you experience an acute flare-up. However, some don’t offer any extra protection and restrict coverage to a medical history look-back period.

To ascertain if a plan is correct for your travel circumstances, be sure to thoroughly review the terms and conditions, benefits, coverages and limits of your travel insurance policy.

When will travel insurance arrange payment for a medical emergency?

According to Durazo with Allianz, depending on your personal situation, you may need to pay up front for medical care or be able to rely on your travel insurance to handle payment.

“If you experience a minor injury, such as needing to get stitches for a cut or getting a splint for a sprained ankle, there’s a possibility you will need to pay out of pocket and get reimbursed later,” said Durazo. 

However, he said, should you experience a more serious injury that leaves you in the hospital for more than 24 hours, that’s typically when an insurance company can guarantee advance payment for medical care, up to the limit of your specific policy. 

“Experiencing a medical emergency when you’re far from home can be incredibly stressful,” said Durazo. “That’s why it’s essential to purchase emergency medical coverage from a credible travel insurance company, who you know will be there for you when you have a problem.”

Expert tip: A travel insurance company with a medical assistance team can help direct you to the local, pre-screened medical providers, provide translation services when speaking with medical professionals outside of your own country, guarantee payments to hospitals and help transfer you to a more appropriate medical facility for top care.

Is it worth buying travel insurance if my health insurance covers me?

Relying solely on your health insurance provider in a foreign country can leave you in a vulnerable situation. Even if your domestic health insurance reimburses for medical expenses incurred outside of the country — and many don’t — it may require you to get pre-authorization, find an in-network provider and submit reimbursement claims. This could put you in a tough spot if you need to pay for medical care before you can leave the country. 

Travel medical insurance , which is included in comprehensive travel insurance plans, can provide additional guidance and advance payments to ensure your safe return home.

According to Durazo, if your health insurance is accepted abroad, it’s important to speak with your health insurance provider to determine if your policy also includes coverage for potentially expensive emergency medical evacuation and transportation. 

“Emergency medical transportation, especially by air ambulance, can cost tens of thousands of dollars and be very difficult to arrange on your own,” said Durazo. “Your travel insurance policy can arrange and pay for costly emergency medical transportation.”

Can I get reimbursed if I’m too anxious to travel?

Travel insurance recognizes numerous “covered perils,” that would allow you to cancel your trip — even last-minute — and still be covered, subject to the terms of the insurance policy, said Adamski with AIG. “However, fear of travel is not a covered reason, nor is — as a more specific example — a concern that a developing tropical cyclone could become a hurricane and hit a certain destination when a traveler is scheduled to be there,” he said.

However, many travel insurance plans offer an optional “cancel for any reason” (CFAR) upgrade that would provide coverage for circumstances like these. The decision to pay extra for CFAR coverage is closely connected to the traveler’s risk tolerance, the value of the trip and circumstances that may arise that may not be covered under the terms and conditions of the base travel insurance plan, said Adamski.

“The key benefit put plainly is that this optional coverage could provide reimbursement for prepaid, nonrefundable trip costs in circumstances where no other coverage may apply. It is of great importance that travelers carefully review the terms of any policies that offer a CFAR option to get specifics on coverage amounts, limits or exclusions,” said Adamski.

For example, if a traveler has purchased the optional CFAR coverage and needs to cancel for a non-covered reason under their AIG travel insurance plan, Adamski said they may be reimbursed up to 50% of their prepaid, nonrefundable trip cost. “Please note that, under the terms of CFAR, the traveler must cancel the trip more than 48 hours prior to their planned trip departure,” he emphasized. 

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Erica Lamberg is a regular contributor to Fox News, Fox Business, Real Simple, Forbes Advisor, AAA and USA TODAY. She writes about business, travel, personal finance, health, travel insurance and work/life balance. She is based in suburban Philadelphia.

Alyce Meserve is an experienced insurance, personal finance and travel writer. Alyce is a licensed insurance professional in life, health and property and casualty, and holds an Executive Certificate in Financial Planning from Duke University.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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Don' t risk your overseas trips Get your International Travel Insurance Now We also cover Coronavirus hospitalisation

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Cashless Hospitals

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• International Travel Insurance

International travel insurance gives you the security and peace of mind to explore a country worry-free and relaxed. As you make memories in a faraway land experiencing the uniqueness of a new culture and its people, ensure that you are financially secured against any unforeseen event. Remember, medical and dental emergencies always come uninvited and might not spare you during your vacation. Such expenses in a foreign land can cost you dearly. Having International travel insurance or overseas travel insurance can save you from such a crisis.

Apart from medical emergencies, other unfortunate events can make a dent in your happiness, like flight or baggage delays. During International travel, loss of check-in baggage is quite common. These situations can lead to additional expenses and make your travel budget go haywire. But with the assurance of foreign travel insurance, you can spend your holidays without fretting over such mishappenings. Moreover, in case of loss of essential documents like a passport or theft or burglary, International travel insurance gives you the cover and security needed at such trying times. If you are planning a foreign trip either for work or leisure opt for HDFC ERGO’s International travel insurance policy online and secure your trip from the comforts of your home.

Why do You Need International Travel Insurance?

While travelling abroad, have a backup plan ready to get the most out of your time if the previously planned itinerary doesn't work out. An overseas travel insurance plan will provide coverage for loss against lost luggage, flight delays, baggage delays or any unforeseen events. HDFC ERGO’s International Travel Insurance provides a network of 1 Lac+ cashless hospitals and 24x7 support to settle claims effortlessly.

Our travel insurance will essentially secure you under following circumstances:

• Luggage Loss
• Baggage Delays
• Medical Expenses
• Flight Delays
• Emergency Dental Expense
• Emergency Financial Assistance

International Travel Insurance Plans by HDFC ERGO

International travel insurance - individual.

While on a solo trip, ensure your family is at peace regarding your safety and well-being with the backing of the HDFC ERGO Explorer individual plan. An individual international travel insurance plan can come in handy in various situations, like, medical emergencies or any unforeseen events, such as - luggage loss/delays, flight delays, theft, or loss of personal documents.

International Travel Insurance – Family

Whenever you are travelling with your family, you have the responsibility to take care of their safety during the trip. Secure your family’s vacation with HDFC ERGO Explorer plans for your family as they make long-lasting memories.

International Travel Insurance – Student

When you are travelling abroad for study purpose, make sure that you have a proper travel insurance plan for student. A travel insurance policy will help overcome any uncertainty that might occur due to any unfortunate incident like theft, luggage loss/delays, flight delays, etc. With HDFC ERGO Explorer policy for student, you can completely concentrate on studies during your stay abroad.

International Travel Insurance - Frequent Flyers

Under one comprehensive travel insurance plan, you can secure multiple trips. With HDFC ERGO Explorer you can enjoy multiple trips peacefully with just one international travel insurance plan.

International Travel Insurance – Senior Citizens

Whether planning to go for a leisure holiday or visit a loved one, secure your trip with HDFC ERGO Explorer for Senior Citizens to get cover from any medical or dental emergencies that can catch you off guard overseas.

What Does HDFC ERGO International  Travel Insurance Policy Cover ?

• Medical Coverage
• Journey-Related Coverage
• Baggage-Related Coverage

Emergency Medical Expenses

This benefit covers hospitalization, room rent, OPD treatment, and Road Ambulance costs. It also reimburses expenses incurred on Emergency Medical Evacuation, Medical Repatriation and Repatriation of mortal remains.

Dental Expenses

We believe dental healthcare is just as important as hospitalization due to physical illness or injury; hence, we cover dental expenses which can occur during your travel. Subject to policy terms and conditions.

Personal Accident

We believe in seeing you through thick and thin. In the event of an accident, while traveling abroad, our insurance plan provides a lump sum payment to your family to assist with any financial burdens caused by permanent disablement or accidental death.

Personal Accident : Common Carrier

We believe in being by your side through ups and downs. So, under unfortunate circumstances, we will provide a lump sum payout in case of accidental death or permanent disablement arising out of an Injury whilst on a Common Carrier.

Hospital cash - accident & illness

If a person is hospitalized due to injury or illness, we will pay the per day Sum Insured for each complete day of hospitalization, up to the maximum number of days stated in the Policy Schedule.

Flight Delay & Cancellation

Flight delays or cancellations may be beyond our control, but worry not, our reimbursement feature allows you to meet any essential expenses arising from the setback.

Trip Delay & Cancellation

In case of a trip delay or cancellation, we will refund the non-refundable portion of your pre-booked accommodation and activities. Subject to policy terms and wordings.

Loss of Passport & International driving license

Losing important documents can leave you stranded in a foreign land. So, we will reimburse expenses related to obtaining a new or duplicate passport and/or international driving license.

Trip Curtailment

Don't worry if you have to cut your trip short due to unforeseen circumstances. We'll reimburse you for your non-refundable accommodation and pre-booked activities as per the policy schedule.

Personal Liability

If you ever find yourself liable for third-party damage in a foreign land, our travel insurance helps you compensate for those damages effortlessly. Subject to policy terms and conditions.

Emergency Hotel Accommodation for Insured Person

Medical emergencies may mean you need to extend your hotel booking by a few days more. Worried about the added expense? Let us take care of it while you recover.subject to policy terms and conditions

Missed Flight Connection

Don't worry about unexpected expenses due to missed flight connections; we will reimburse you for the expenses incurred on accommodation and alternate flight booking to reach your destination.

Hijack Distress Allowance

Flight hijacks can be a distressing experience. And while the authorities help sort out the issue, we'll do our bit and compensate you for the distress it causes.

Emergency Cash Assistance Service

When traveling, theft or robbery can lead to a cash crunch. But don't worry; HDFC ERGO can facilitate fund transfers from the insured 's family in India. Subject to policy terms and conditions.

Loss Of Checked-In Baggage

Lost your checked-in baggage? Don't worry; we'll compensate you for the loss, so you don't have to go without your essentials and vacation basics. Subject to policy terms and conditions.

Delay of Checked-In Baggage

Waiting is never fun. If your luggage gets delayed, we'll reimburse you for essentials like clothing, toiletries and medication so you can start your vacation worry-free.

Theft of baggage and its contents

Theft of baggage can derail your trip. So, to ensure your trip stays on track, we'll reimburse you in case of baggage theft. Subject to policy terms and conditions.

The above mentioned coverage may not be available in some of our Travel plans. Please read the policy wordings, brochure and prospectus to know more about our travel insurance plan.

What Does HDFC ERGO’s International Travel Insurance Plan Not Cover? ?

Breach of law.

Sickness or health issues caused due to war or a breach of the law is not covered by the plan.

Consumption of Intoxicant substances

If you consume any intoxicants or banned substances, the policy shall not entertain any claims.

Pre existing diseases

If you suffer from any illness before the travel you’ve insured and if you undergo any treatment for an illness that already exists, the policy does not cover expenses related to these incidents.

Cosmetic and Obesity Treatment

Should you or any member of your family opt to undergo any cosmetic or obesity treatment during the course of the travel you’ve insured, such expenses remain uncovered.

Self Inflicted Injury

Any hospitalization expenses or medical costs arising from self-inflicted injuries are not covered by the insurance plans we offer.

The above mentioned coverage may not be available in some of our Health plans. Please read the policy wordings, brochure and prospectus to know more about our travel insurance plans.

Key Features of HDFC ERGO Overseas Travel Insurance Policy

Compare international travel insurance plans, benefits of international travel insurance.

Here are a few benefits of having International travel insurance -

• Covers for medical expenses: Medical expenses can burn a hole in your pocket during an international trip. But you can get treated in a foreign land with the assurance of International Travel insurance. But International travel insurance ensures that you are covered for such emergencies, saving you a lot of money while ensuring proper treatment and care. HDFC ERGO’s International travel insurance provides cash reimbursements on hospital bills and easy access to 1Lakh+ hospital networks worldwide.
• Promises baggage security: Loss of check-in baggage or delays can derail your  holiday plans, but with International travel insurance, you are covered for essentials that can keep you in line with your plans like lost or delayed luggage. Unfortunately, these issues with luggage are quite common on an international trip. With International travel insurance, you are secured against lost or delayed luggage so you can enjoy your holiday seamlessly.
• Covers against uneventful situations: While holidays are all about smiles and joys, life can sometimes be harsh. Flight hijacks, damage to third-party property can dampen your holiday mood. But International travel insurance can ease your stress at such times. International travel insurance secures you from such incidences too.
• Ensures you don’t exceed your travel budget: In case of medical or dental emergencies, your expenses can exceed your budget. Sometimes you might have to extend your stay to complete your medical treatment, which could exceed your expenses. But International travel insurance covers those added hotel expenses too.
• Constant assistance: Robbery, theft or loss of a passport in a foreign land is not unheard of. Having International travel insurance gives financial support at such testing times. 

Buy Overseas Travel Insurance Online

Buying international travel insurance is a click away and can be done from the comfort of your home or office at your convenience. Therefore, the online purchase of overseas travel insurance plans has picked up and is growing with each passing day.

• Click here  link , or visit the HDFC ERGO travel insurance webpage to BUY our policy.

• Enter traveler details, destination information, and trip start and end dates.

• Choose your preferred plan from our three tailored options.

• Provide your personal details.

• Fill in additional details about the travelers and proceed to pay using online payment methods.

• All that's left to do is- download your policy instantly!

So, Have you compared the plans and found the one that suits you best?

Why choose hdfc ergo international travel insurance, covers travel related inconveniences.

While travelling, there is a possibility of flight delays, loss of baggage or checked-in baggage delay. These things can be pretty unsettling. But with the security of travel insurance, you can be assured of being covered for refreshments and essentials during such circumstances.

Covers Baggage-Related Hassles

Most travellers get scary thoughts about their luggage getting misplaced, mainly containing essential items like medicines, clothes, etc. HDFC ERGO's International Travel Insurance Policy covers you for expenses due to baggage loss during your trip.

Covers Emergency Medical Assistance

While travelling, you might encounter an unexpected medical emergency in a foreign territory. Overseas travel insurance comes with emergency medical benefits and is just the friend you need during tough times. In addition, our 1 Lac+ cashless hospitals network is there to take care of you.

Affordable Travel Security

HDFC ERGO international travel insurance policy has different plans to meet individual requirements. Our travel insurance plans are tailor-made for every traveller. We offer affordable premiums that complement everyone’s travel budget.

Round-the-clock Assistance

No matter what time it is in your part of the world, dependable assistance is just a call away. Thanks to our in-house 24x7 claim settlement & customer support mechanism.

1 Lac+ Cashless Hospitals

You will get the best travelling experience if you travel without any worry. In case of a medical emergency, while holidaying abroad, you can avail assistance from our network of 1 Lac+ cashless hospitals worldwide during the trip.

  Does HDFC ERGO’s International Travel Insurance Cover COVID-19?

While the world is returning to normal and international travel is blooming again, the fear of COVID-19 still looms large over us. Quite recently the emergence of a new variant - Arcturus covid variant – caused much concern among the public and healthcare experts alike. While most countries have relaxed their travel protocols related to COVID-19, precaution and alertness can help us keep another wave at bay. The challenging bit is that any emergence of a new variant is reported to be more transmissible than previous strains. This uncertainty also means that we cannot put anything to chance yet and must follow the basic precautions to prohibit transmission. Masks, sanitisers and compulsive cleaning should still be our mainstay. Whenever a new variant makes its presence felt, Covid cases in India and abroad increase rapidly highlighting the importance of vaccinations and booster doses. If you aren’t vaccinated yet, it’s high time you get the jab. Remember to take your booster doses on time too. International visits can be interrupted if you have not taken the requisite doses, as it is one of the mandates for overseas travel. Watch out for symptoms such as - cough, fever, fatigue, loss of smell or taste, and difficulty breathing, which could be a matter of concern and get checked at the earliest, especially if you are planning international travel or are at a foreign destination. Medical expenses in a foreign land can be expensive, so having the backing of international travel insurance can be of much help. HDFC ERGO’s international travel insurance policy ensures that you are protected if you catch COVID-19.

Here’s what is covered under the travel medical insurance for COVID-19 -

• Hospitalisation expenses

• Cashless treatment at network hospitals

• Daily cash allowance during hospitalisation

• Medical evacuation

• Extended hotel stay for treatment

• Medical and body repatriation

Factors that Affect Your International Travel Insurance Premium

The country you’re travelling to.

If you’re travelling to a safer or economically more stable country, the insurance premium will likely be lower. Also, the farther the destination is from your home, the higher will be the insurance premium.

The duration of your trip

The longer you are away, the higher the probability of you falling ill or getting injured. Therefore, the longer your travel duration, the higher will be the premium charged.

The age of the traveller(s)

The insured's age plays a vital role in determining the premium. Travel insurance premiums for senior citizens could be slightly higher as their risk of illness and injury increases with age.

The extent of coverage you choose

The type of travel insurance coverage the insured person chooses decides the premium of their policy. A more comprehensive travel insurance plan will naturally cost higher than more primary coverage.

Know your Travel insurance premium In 3 Easy Steps

Add your trip details

Fill your personal details

choose your travel insurance plan

Choose your travel insurance plan

Many countries have made it mandatory for foreign travellers to obtain a valid international travel insurance policy before entering their borders?

  how to claim international travel insurance.

The claims process of HDFC ERGO travel insurance is straightforward. You can place a claim on your travel insurance online on cashless as well on a reimbursement basis.

• Cashless Claim
• Reimbursement Claim

Intimate claim to [email protected] and get a list of network hospitals from TPA.

[email protected] will share documents required for cashless claims.

Mail Documents

Download the digital claim form from here

Send digital claim form to [email protected] along with ROMIF.

Intimate claim to [email protected] or call on Global Toll-Free No : +800 08250825

[email protected] will share the checklist/documents required for reimbursement

Claim documents along with claim form to be sent to [email protected] or [email protected]

Claim is registered by HDFC ERGO call centre executive on respective claims system.

International Travel Insurance for Most Visited Countries

Take your pick from the options below, so you can be better prepared for your trip to a foreign country

Travel Insurance for

Travelling to the US?

There’s nearly a 20% chance that your flight could be delayed. protect yourself with hdfc ergo’s travel insurance., hear from our happy customers.

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STUDENT SURAKSHA OVERSEAS TRAVEL

10 Sep 2021

Happy with the service

my:Single trip Travel insurance

05 Jul 2019

I have seen few of the insurance policies before deciding to choose HDFC insurance as my life partner. One of the interesting part is monthly-autodeduction from my card as well as it sends the reminder before the due date. The app developed is also so friendly to use and gives me a better experience compared to other insurance company.

Pros: - excellent pricing: quotes from other insurers during past three-four years have been always 50-100% higher including all possible discounts and membership benefits - excellent service: choice of billing, payment, documentation options - excellent customer service: newsletters, prompt and professional replies from the representatives Cons: - none till now

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Frequently asked questions on overseas travel insurance, 1. which overseas travel insurance is best.

A unique feature of HDFC ERGOs Overseas Travel Insurance is its 24x7 in-house claim settlement services, complemented by a vast network of 1 Lac+ cashless hospitals

2. How much does it cost for international travel insurance?

The premium on your travel insurance depends upon your destination and the duration of your stay. The age of the insured person and the different types of plans chosen play a vital role in deciding the cost of the international travel insurance policy.

3. Can I buy travel insurance while abroad?

Your policy cover starts from the immigration counter of your home country and ends once you return after your vacation and complete your immigration formalities. This is why you cannot buy travel insurance while you are abroad. Therefore, travel insurance purchased after the commencement of the journey is not considered valid.

4. Can I extend my travel insurance while abroad?

Once abroad, you can extend your travel insurance policy if it is still valid. However, remember you can only extend your existing policy. You cannot buy one while you are away.

5. Can you buy travel insurance the day you leave?

Yes, you can buy the travel insurance policy even at the last minute. So even if it's your departure day and you're not insured, you can buy a travel insurance cover.

6. Can I see a doctor with travel insurance?

Yes, you can seek doctor help when you are abroad, as international travel insurance policies cover medical expenses.

7. Do I need international travel insurance to get a visa?

If you are travelling to Schengen countries, buying travel insurance is a must to get a visa. Apart from this, many countries have mandatory travel insurance for getting a visa. Therefore, it is advisable to check the visa requirement of every nation before travelling.

8. I had to cancel my trip for personal reasons, but I already bought travel insurance. Can I get a refund?

Yes, you can get a refund for trip cancellation if you cancel the journey before the departure date due to unforeseen conditions like an emergency at home, the sudden death of a family member, political turmoil or a terrorist attack. A complete refund of your premium is possible in such situations after the cancellation of the policy.

9. What is the Maximum Trip Duration Covered under an Overseas Travel Insurance Policy?

Total policy period, including extensions, shall not exceed 360 days.

10. Should I buy international travel insurance before booking a flight abroad?

Yes, it is advisable to secure your jour with a travel insurance policy before booking a flight abroad. You can do so by going with a multi trip insurance plan that will save you from the hassle of purchasing travel insurance each time you make a trip and it also proves to be cost-effective.

11. Can You Buy Overseas Travel Insurance After Booking a Flight?

Yes, you can buy overseas travel insurance after booking a flight, even on the day of your departure. However, it is advisable to buy the travel insurance cover within 14 days of booking your holiday.

12. Will Extending the Policy Affect My International Travel Insurance Cost?

You can reschedule your policy free of cost; however, the extension of the policy will affect the cost. The increase in cost will depend upon the number of days you extend.

13. If I Return to India Earlier Than Scheduled, Will I Get a Partial Refund for My Overseas Travel Insurance Policy?

No, you will not get a partial refund if you return to India earlier than the scheduled date.

14. If I Buy International Travel Insurance Online, Will It Cover the Cost of Dental Treatment?

Yes, it covers the cost of dental treatment. In addition, international travel insurance covers the costs of emergency dental work up to $500* arising out of an accidental injury.

15. Will an Overseas Travel Plan Cover Me if I Get Injured While Traveling on a Ship or Train Overseas?

Yes, it will provide coverage for injury caused while travelling on a ship or train overseas.

16. If I Get Injured on the Last Day of the Trip, Will My International Travel Insurance Policy Get Extended?

Suppose you extend your stay on the last day of your trip due to a medical emergency, accident, or injury. In that case, you can extend your travel insurance policy for 7 to 15 days without paying any premium. 

17. Can I File an International Travel Insurance Claim After Getting Back to India?

Yes, it is possible to file a claim after travelling back to India. However, remember you need to file the claim within 90 days of any unfortunate event like a medical emergency or loss of documents, except if otherwise stated by your insurer.

18. What is the document provided as proof of travel insurance?

The insurer's soft copy mailed to you is enough to work as proof for your travel insurance. However, it is advisable to jot down your policy number and, more importantly, have our 24-hour assistance telephone number with you, so you can contact us if you need our help while you're away.

19. I bought international travel insurance online through the HDFC ERGO website. How do I contact customer care from a foreign country in case of a claim?

Call our emergency travel assistance partner on the 24-hour alarm centre for travel, medical advice, and assistance during your trip.

• E-mail: [email protected]

• Toll free number (globally): +80008250825

• Landline (chargeable):+91-120-4507250

Note: Please add the country code while dialing the contact number.

20. When does my international travel insurance policy coverage start?

Travel insurance coverage starts at the immigration counter of the home country and continues until the immigration is completed after returning to the home country.

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Secure your overseas trip with Travel Medical Insurance

Get your Travel Medical Insurance with COVID-19 coverage from reputed global insurers for travel in the new normal.

Travelling from*

*Please select Travelling from country

• South Korea
• Afghanistan
• Aland Islands
• Antigua Barbuda
• Ascension and Tristan da Cunha
• Bosnia & Herzegovina
• Burkina Faso
• Cape Verde Islands
• Cayman Islands
• Central African Republic
• Christmas Islands
• Cocos Islands
• The Democratic Republic of the Congo
• Czech Republic
• Dominican Republic
• El Salvador
• Equatorial Guinea
• French Polynesia
• Guinea Bissau
• British Indian Ocean Territory
• British Virgin Islands
• Caribbran Netherlands
• Ivory Coast
• Faroe Islands
• French Guiana
• Liechtenstein
• Marshall Islands
• Saint Barthelemy
• Saint Kitts Nevis
• Saint Martin
• Saint Pierre and Miquelon
• Hong Kong SAR
• Isle of Man
• Korea, Republic of
• Myanmar (Burma)
• The Netherlands
• New Caledonia
• New Zealand
• Norfolk Islands
• Northern Mariana Islands
• North Macedonia
• Palestinian Territories
• Papua New Guinea
• Philippines
• Puerto Rico
• Saint Helena
• Saint Lucia
• Saint Vincent Grenadines
• Sao Tome & Principe
• Saudi Arabia
• Sierra Leone
• Sint Marteen
• Solomon Island
• South Africa
• South Sudan
• Sudan, Republic of
• Svalbard and Jan Mayen
• Switzerland
• Taiwan, China
• The Holy See
• Timor Leste
• Trinidad & Tobago
• Turkmenistan
• Turks Caicos Islands
• United Arab Emirates
• United Kingdom
• United States of America
• Vatican City
• Virgin Islands of the United States
• Western Sahara
• Vietnam (Online eVisa)
• Lesotho Permits
• Korea, Democratic People's Republic of
• Ghana Permits
• Lithuania Temporary Residence Permit
• Lithuania (E-Resident card)
• Lithuania TRP and National Visa
• Falkland Islands
• Finland Residence Permit
• Faroe Iceland
• Thailand (Online eVisa)
• American Samoa
• Pitcairn Island
• Wallis and Futuna Islands
• Bouvet Island
• Akrotiri and Dhekelia
• Baker Island
• Clipperton Island
• South Georgia and the South Sandwich Islands

Travelling to*

*Please select Travelling to country

• Schengen countries

By clicking 'Get Now,' I agree to the terms and conditions & understand that my personal data may be shared with VFS Global insurance partners.

Going on a trip abroad is exciting, but emergencies can happen, and if they do, it can be expensive and challenging affair. You can take some of your stress away by booking a travel medical insurance policy with Covid-19 coverage at competitive pricing from global insurers. Don't forget that for Schengen visa applications, travel insurance is mandatory.

Travel Medical Insurance

Emergency medical coverage, including COVID-19 treatment costs.

Competitive pricing from global insurers.

Global medical insurance coverage for evacuation and accidents.

Cancellation and trip delay coverage.

Protection for loss of passport and travel documents.

Frequently asked questions

View all FAQ's

1 . What is Travel Medical Insurance?

Travel Medical Insurance is designed to cover your emergency medical expenses while traveling abroad. In the event of an unexpected illness, injury, or medical condition during your trip, your travel medical insurance plan will reimburse you for the treatment costs, up to the limits specified in the plan.

2. Why do I need Travel Medical Insurance?

Travel Medical Insurance provides coverage for various risks that may arise during your overseas travel, including medical emergencies, COVID-19, and loss of passport. The coverage offered ensures an additional layer of protection against potential financial losses. For more detailed information on the coverage, please refer to the Travel Medical Insurance policy documents.

3. Why should you buy Travel Medical Insurance online?

Purchasing overseas travel insurance online is a convenient way to access a wide range of best plans at competitive prices from global insurers. This allows you to choose a suitable plan without incurring any extra commissions.

4. How much will overseas Travel Insurance cost?

The cost will depend on the kind of overseas Travel Medical Insurance policy you opt for, and it will vary from country to country. Multiple underlying health conditions will determine the final insurance premium you will have to pay.

5. How far in advance should I purchase Travel Medical Insurance?

It's best to purchase travel insurance within the first 14 days of your initial trip.

With Travel Medical Insurance assistance provided by VFS Global, you can book your insurance and submit your visa application together.

Even if you missed purchasing the insurance plan before or during the visa application process, you can still buy Travel Medical Insurance by visiting our website.

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Delhi terminal roof collapse: Here's all you need to know about travel insurance

All about travel insurance: The recent collapse of the roof at the Delhi terminal highlights the unpredictable nature of travel incidents. While accidents are unforeseeable, having suitable insurance coverage can provide crucial assistance in such situations.

Whether you're planning a domestic or international trip, having the right insurance coverage can mitigate unforeseen risks, say experts.

"Travel insurance isn't just about flight disruptions; it provides comprehensive coverage for unexpected incidents during your journey. From flight delays to personal accidents, it safeguards you in various scenarios," said Vivek Chaturvedi, CMO, Go Digit General Insurance

Here’s everything you need to know about choosing and claiming on comprehensive travel insurance policies:

Why travel insurance matters

Travel insurance acts as a safety net, especially in unpredictable situations like natural disasters or accidents. It covers medical emergencies, trip cancellations, baggage loss, and more, ensuring you travel with peace of mind.

How to choose the right policy

When choosing the optimal travel insurance plan, several critical factors should be taken into account. Firstly, prioritise coverage that includes essential aspects like medical expenses, trip cancellations, baggage loss, and emergency evacuation.

Secondly, comparing plans from various insurers is crucial to finding the best balance between coverage and premiums tailored to your specific travel needs.

Additionally, it's advisable to review customer feedback, as well as the claim settlement ratios of insurers, to gauge their reliability and customer satisfaction.

Lastly, opt for policies with minimal deductibles and comprehensive coverage options to ensure thorough protection throughout your journey.

Top travel insurance picks for 2024

Here are the top picks for the best travel insurance, recommended by Arpit Suri, a personal finance expert and CA, drawing insights from ClearTax and Groww.

Tata AIG Travel Insurance: Provides coverage for cancellation, medical expenses, and unforeseen circumstances for single-trip and multi-trip international trips.

Apollo Munich Travel Insurance: Covers luggage claims, medical expenses, and cancellations, with plans suitable for individuals, senior citizens, and families, including an annual multi-trip option.

Religare Travel Insurance: Offers coverage for loss of passport, cancellation, home burglary insurance, and medical expenses, ensuring comprehensive protection during travel.

Bajaj Allianz Travel Insurance: Includes Covid-19 coverage, medical assistance, and cancellation benefits, along with support for travel via public and private vehicles.

HDFC ERGO Travel Insurance: Features daily cash allowance for emergencies, theft and luggage coverage, emergency dental expenses, and comprehensive medical coverage.

How to make a claim?

In the unfortunate event of an incident, it's crucial to promptly inform your insurance provider. Start by notifying them immediately about the details of the incident.

Documenting everything related to the incident is essential; keep receipts, reports, and any other pertinent documentation safe.

Next, ensure you accurately fill out the claim form provided by your insurer and submit it along with all required documents. Throughout the process, stay in touch with your insurer to receive updates on the status of your claim.

Following these steps diligently can help streamline the claims process and ensure you receive the necessary support during a challenging time.