5 Best Travel Insurance Policies for 2019, Risk-Proof Your Next International Trip

Whether you are going for a business trip, honeymoon or family vacation, you would want to create memories that you can cherish forever. Surely, you would not want to ruin a well-panned vacation due to risks imposed by natural or man-made disasters. People are actively buying travel insurance policies to protect themselves against flight delays, trip cancellations, and other interruptions such as bad weather conditions, medical emergencies that may disrupt the trip.

Here is a list of top 5 best travel insurance policies that you can buy to risk-proof your next trip overseas:

  1. HDFC ERGO Travel Insurance PlansAnyone between the age group of 6 months and 70 years can buy a single trip plan. The eligibility criteria to buy annual multi-trip plan is between 18 and 70 years. Single trip Asia plans (excluding Japan) are available for children starting from 6 months and adults up to 70 years.

There are various plans that HDFC Ergo provides such as Single Trip, annual multi-trip, family floater Insurance, and Asia travel insurance plans.  You can easily buy the policy online from their website and the mobile app. The plans come in different variants such as gold, platinum, titanium, silver, bronze etc. and the premium varies for all the plans.

Key Benefits:

The insurer provides 24*7 customer support to address your concerns. HDFC follows quick, transparent and hassle-free issuance process. You can easily buy it online and enjoy a secured trip. Other benefits are listed below:

  • Coverage for emergency medical expenses starting from 30,000 rupees to 5 lakh rupees. It includes expenses incurred due to an accidental injury, sudden illness, emergency dental care, emergency hospitalization etc.
  • It also includes personal accident cover in case of permanent disabilities and accidental death
  • The insurer will reimburse flight delay and cancellation (above 6 hours) charges. Compensation is also provided for accommodation cost and additional meals. Just submit the bills and claim for reimbursement.
  • Emergency dental treatment and daily hospital cash allowance is provided.
  • Loss of baggage cover is also provided. If the checked in baggage is delayed for more than 12 hours then the insurer will recompense the cost of extra clothing, medications, and other belongings that you lost in your baggage.
  1. Bajaj Allianz Travel Insurance Plans

Bajaj Allianz provides a wide range of options to choose from. The company offers Individual travel insurance plans, Family travel insurance plans, senior citizen plans, and student travel insurance plans. Moreover, you can also buy corporate travel insurance plans, Bharat Bhraman plan for domestic travels and Travel Asia plan for overseas trips.

Benefits of Buying This Plan:

  • It offers compensation for flight cancellation and delays, hospitalization expenses, loss of checked baggage, trip curtailment, and robbery while you are away
  • Travel Ezee automatic claim settlement service. The insurer will provide you with notifications about any flight cancellation and delay along with payout eligibility. You will get the amount reimbursed in your bank account.
  • It offers hijack distress allowance, financial emergency assistance, and contingency travel benefit
  • Availability of in-house international fax and toll-free numbers
  • Availability of advanced packages
  • Easy and quick claim settlement process
  • Innovative plans to cover specific travel needs
  1. Tata AIG Travel Insurance Plan

People up to 70 years of age can buy travel insurance from TATA AIG. There are four types of travel insurance plans that you can buy as per your needs. Go for their travel guard plan to protect you against risks that may arise on international trips. There is a Student Guard - overseas health insurance plan for students who are going to study abroad for higher education. For trips within Asia, you can opt for Asia Travel Guard Policy. Moreover, there is a domestic travel guard policy to secure your trips within India.

Why it is the right insurance?

  • The insurer provides immediate medical help even in international countries (pre-existing illnesses are not covered)
  • Compensation is provided in case you misplace your travel tickets and have to cancel your trip
  • In case there is trip delay or cancellation, the insurer will refund the accommodation expenses
  • In the event of emergency hospitalization, you will get compensation for air tickets
  • Emergency evacuation and repatriation cover is also provided
  • Accidental death and dismemberment cover
  • Compensation for flight cancellation charges is also provided
  • Hijack cover is provided ( if it was for more than 24 hours)
  • Loss of baggage cover
  • Study interruption cover for students studying abroad
  • Individual and family plans come in three variants- Travel companion, travel elite and travel prime plan
  • Senior citizen travel insurance plans also comer in three variants- travel companion, travel elite for people aged between 61 and 70 years. And travel elite plan for people aged between 71 and 75 years.
  • Persona liability cover is provided
  • Loss of passport is also covered
  • The insurer also offers emergency cash advance assistance
  1. ICICI Lombard Travel Insurance Plan

If you do not travel often you can opt for single trip travel insurance plan. And frequent travellers should opt for a comprehensive ICICI Lombard multi-trip travel insurance plan. The company offers various plan options for people travelling to USA or Canada, Schengen countries and the rest of the world.

Reasons to Buy Travel Insurance from ICICI Lombard

  • Affordable travel insurance plans for people travelling within Asia
  • The insurer covers any passport and baggage loss
  • The plans also cover trip delays, accidental injuries, flight cancellation, and emergency medical hospitalization
  • The insurer provides pre-approved insurance cover while travelling to Schengen countries
  • Cashless medical service in network hospitals and other services worldwide
  1. Apollo Munich Travel Insurance Plans

Apollo Munich offers five types of travel insurance plans. You can select from Individual Plan, Senior Citizen Plan, Family Plan, Student Travel Insurance Plan Annual Multi-Trip Plan.

Reasons to Buy Apollo Munich Travel Insurance Plans

  • Anyone who is 6 months to 70 years old can buy Apollo Munich travel insurance cover
  • It covers overseas medical expenses/ emergency treatment
  • Dental treatment under emergency situations are compensated
  • Hospitalization/medical expenses are recompensed
  • Personal accident cover is also provided
  • Trip cancellation or flight delays, passport loss or loss of checked baggage
  • Inconvenience caused due to hijacking is covered
  • Get emergency cash in case of financial predicament during your trip
  • Hijack daily allowance cover is offered


Every year there is an exponential rise in the travel bookings. Apart from overseas vacations, students who are travelling abroad for higher education, people travelling for business trips ensure that they have adequate insurance before flying. If you are also wondering which travel you should buy, then you can go ahead with the above-mentioned travel insurance plans.

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