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Best Travel Insurance Companies in India 2025

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  Published in Travel and Leisure on Monday, September 22nd 2025 at 10:21 GMT by ThePrint
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Best Travel Insurance Companies in India 2025 – A Comprehensive Guide

Traveling has always been a source of joy and adventure, but with today’s unpredictable world, it’s become essential to safeguard your trip against the unexpected. Whether you’re planning a weekend escape, a business trip, or a grand tour across continents, the right travel insurance can protect you from sudden medical emergencies, trip cancellations, lost luggage, or even sudden changes in travel plans.

The Print’s recent “Best Travel Insurance Companies in India 2025” article dives deep into the most reliable and value‑driven insurers that cater to Indian travelers. By blending data on coverage, premiums, claims experience, and customer service, the piece equips you to choose the plan that best fits your needs. Below is a condensed rundown of the key take‑aways, broken down into the most popular options, what they offer, and how they stack up against each other.

1. ICICI Lombard – “Travel Smart”

Why It Stands Out
- Versatile Coverage: Covers medical expenses, trip cancellation, lost baggage, and emergency evacuation.
- Digital Claim Process: 24/7 mobile app support with instant claim adjudication for most cases.
- No‑Pre‑existing Condition Clause: The policy allows coverage for conditions pre‑existing at the time of purchase, subject to a 10‑day waiting period.

Coverage Highlights
- Medical expenses up to ₹10 lakh.
- Trip cancellation up to ₹1.5 lakh.
- Baggage loss/replacement up to ₹25,000.

Customer Verdict
- High claim settlement ratio (over 90%).
- Excellent premium pricing, especially for solo travellers and couples.

2. HDFC Ergo – “Global Traveler”

Why It Stands Out
- Worldwide Reach: Valid in 190+ countries, ideal for long-haul journeys.
- Add‑on Benefits: Optional coverage for adventure sports, extreme sports, and travel assistance.

Coverage Highlights
- Medical coverage up to ₹20 lakh.
- Trip cancellation coverage up to ₹1 lakh.
- Lost luggage up to ₹30,000.

Customer Verdict
- 24/7 customer support with multilingual agents.
- Some users flagged a slightly higher premium for comprehensive plans, but the extensive coverage justifies it.

3. Bajaj Allianz – “TripGuard”

Why It Stands Out
- Affordable Tiering: Three distinct plans (Basic, Standard, Premium) allow travellers to pick only what they need.
- Cashless Hospitalisation: Direct settlement at over 1,000 network hospitals across India.

Coverage Highlights
- Medical up to ₹5 lakh (Basic), ₹10 lakh (Standard), ₹15 lakh (Premium).
- Trip cancellation up to ₹50,000 (Basic), ₹1 lakh (Standard), ₹1.5 lakh (Premium).

Customer Verdict
- Transparent pricing and minimal hidden clauses.
- Slightly slower claim processing for the Basic tier, but premium tiers are swift.

4. Tata AIG – “AIG Traveller”

Why It Stands Out
- Premium Global Coverage: The AIG plan offers one of the broadest global networks, suitable for business travellers.
- Specialised Add‑ons: Options for dental and vision, maternity care while abroad, and “no‑pre‑existing‑condition” coverage.

Coverage Highlights
- Medical up to ₹15 lakh.
- Trip cancellation up to ₹1.2 lakh.
- Baggage loss up to ₹25,000.

Customer Verdict
- Strong reputation for customer care and prompt claim settlement.
- Premium can be on the higher side; best for those who travel frequently and need extensive protection.

5. Reliance General – “Reliance Global”

Why It Stands Out
- Competitive Pricing: Offers a range of plans starting at a low premium, attractive for budget travellers.
- Unified Digital Experience: Policy creation, renewal, and claim filing can be done entirely via the Reliance app.

Coverage Highlights
- Medical up to ₹8 lakh.
- Trip cancellation up to ₹1 lakh.
- Lost baggage up to ₹20,000.

Customer Verdict
- Claims process is simple and mostly automated.
- Good for students, families, and solo travellers on a budget.

6. New India Assurance – “NIA Traveller”

Why It Stands Out
- Government‑backed Trust: As a state‑owned insurer, it offers credibility and a stable claim settlement process.
- Customisable Plans: Choose between “Basic” and “Full” coverage options, depending on your itinerary.

Coverage Highlights
- Medical up to ₹10 lakh.
- Trip cancellation up to ₹1 lakh.
- Lost luggage up to ₹15,000.

Customer Verdict
- Known for low out‑of‑pocket costs during claims.
- The network of hospitals and service centres is extensive, especially in Tier‑2 cities.

How to Pick the Right Plan

1. Know Your Destination – Are you traveling to a country with high medical costs? If so, a higher medical limit is vital.
2. Check Activity Coverage – Adventure sports or extreme activities often require add‑on clauses.
3. Read the Fine Print – Exclusions for pre‑existing conditions, the waiting period, and claim limits can differ dramatically.
4. Consider the Premium – A lower premium can be tempting, but be wary of hidden clauses that could cost you later.
5. Customer Service Matters – A 24/7 helpline and a user‑friendly claim portal are game‑changing during emergencies.

The Print’s article underscores that the “best” insurance is not a one‑size‑fits‑all. It depends on your travel style, itinerary, health, and risk tolerance. That said, ICICI Lombard, HDFC Ergo, Bajaj Allianz, and Tata AIG consistently emerged as top performers for both domestic and international trips.

Final Thought

Travel insurance should feel like an invisible safety net. It isn’t meant to replace common sense – always carry emergency contacts, keep copies of important documents, and stay vigilant. But in an age where medical expenses can be astronomical and travel disruptions can be all too common, having a reliable policy can save you from turning a wonderful trip into a financial nightmare.

Use the information from The Print’s 2025 guide to compare the top five insurers, evaluate the coverage that matches your trip, and purchase a plan that gives you peace of mind so you can focus on the adventure ahead. Happy travels!