Traveling, whether for leisure, business, or education, always carries some level of uncertainty. Unexpected events like medical emergencies, canceled trips, or lost luggage can quickly transform an enjoyable trip into a challenging ordeal.
This is where travel insurance plays a crucial role. For Indians traveling either within the country or abroad in 2025, having the right travel insurance policy ensures peace of mind, financial protection, and quick assistance during emergencies.
This blog will guide you through the best travel insurance plans for international and domestic travel in India, explaining their features, benefits, and how to choose the most suitable one according to your travel needs.
Why Travel Insurance Is Essential in 2025
With international travel opening up post-pandemic and domestic tourism flourishing across states, the risks associated with travel have evolved significantly. New-age threats like digital scams, global health risks, and stricter immigration rules make travel insurance a necessity rather than an option.
Insurance providers in India have responded by offering updated and more comprehensive plans tailored to modern travel needs in 2025.
Top Travel Insurance Options for Indians Planning International Trips in 2025
International travel insurance is designed to protect travelers against health emergencies, travel disruptions, passport loss, legal liability, and more. Here are the top plans available in 2025 for Indian citizens going abroad:
1. Tata AIG Travel Guard Plan
Tata AIG is widely regarded as a reliable and reputable insurance provider in India. Their Travel Guard Plan offers global coverage including the USA, Europe, and Asia.
Key Benefits:
Medical coverage up to USD 5,00,000
Emergency evacuation and repatriation
Coverage for loss of passport and baggage
Personal accident cover included
Eligibility: Indian citizens aged between 6 months and 70 years
Application: Can be purchased online via the Tata AIG website or through partner travel agents
2. ICICI Lombard International Travel Insurance
ICICI Lombard offers one of the most flexible travel insurance products for Indians traveling abroad in 2025, with real-time claim assistance and global hospital network.
Key Benefits:
Cashless hospitalization worldwide
Trip delay or cancellation cover
Covers pre-existing diseases under life-threatening emergencies
Schengen visa-compliant
Eligibility: Ideal for students, tourists, and business travelers under 85 years
How to Apply: Application process is completely digital, available on the ICICI Lombard website
3. HDFC ERGO Travel Insurance (Explore Plan)
This policy is suitable for frequent flyers and long-stay travelers. It is one of the few plans that provides unlimited medical sum insured under specific conditions.
Key Benefits:
Emergency medical evacuation
Daily allowance in case of hospitalization
Loss of checked-in baggage and delay protection
Coverage for adventure sports available as add-on
Eligibility: Open for Indian passport holders between 6 months to 70 years
Application: Available online; approval usually granted within minutes after document verification
4. Bajaj Allianz Travel Prime
This plan is particularly suitable for travellers heading to countries with expensive healthcare systems like the USA, Canada, and Japan.
Key Benefits:
High sum insured (up to USD 10,00,000)
In-flight loss and delay of baggage covered
24/7 global emergency support team
Coverage for home burglary during the trip
Eligibility: Indian travellers with valid passport, aged 6 months and above
Application Process: Simple online form and premium payment; immediate policy issuance
5. Reliance Travel Insurance for Students and Frequent Travelers
This plan caters to students going abroad for higher education, offering coverage tailored to student life.
Key Benefits:
Sponsor protection in case of death of guardian
Study interruption cover
Medical expenses for sports injuries and mental health
Coverage duration up to 2 years
Eligibility: Indian students enrolled in international academic institutions
How to Buy: Apply through Reliance General Insurance’s official website with student visa and admission proof
Best Domestic Travel Insurance Plans in India for 2025
Domestic travel, whether for leisure or business, also carries its own risks such as accidents, medical emergencies, and train or flight delays. Many insurance providers offer affordable and extensive domestic travel coverage. Here are some of the best plans in 2025:
6. SBI General Domestic Travel Insurance
SBI General’s plan is ideal for individuals and families traveling across states or on pilgrimage tours in India.
Key Benefits:
Accidental hospitalization coverage
Coverage for loss of tickets, luggage
Emergency hotel accommodation
Optional COVID-19 coverage
Eligibility: All Indian citizens; family floater options available
Application: Available via SBI branches or online through their website
7. Care (Religare) Travel Insurance for Domestic Journeys
Religare's domestic insurance covers air, rail, and road travel, making it suitable for weekend getaways or business trips.
Key Benefits:
Daily cash allowance during hospitalization
Coverage for emergency transportation
Personal accident cover for accidental death or disability
Eligibility: Open to Indian nationals aged between 1 year and 70 years
How to Apply: Online application through Care Health Insurance website or app
8. Digit Domestic Travel Insurance
Digit Insurance provides simplified, digital-first travel insurance policies with competitive pricing and fast claim settlements.
Key Benefits:
Flat-rate premiums based on journey duration
Immediate digital issuance with minimal documentation
Covers emergency evacuation and hotel accommodation costs
Eligibility: Indian citizens traveling within India
Application: 100% paperless purchase through the Digit app or website
9. IFFCO Tokio Bharat Yatra Suraksha
This government-backed travel insurance plan is designed to promote safe domestic travel at very low premiums.
Key Benefits:
Emergency hospitalization and ambulance expenses
Personal accident and disability protection
No pre-policy medical check-up needed
Eligibility: Available to individuals and families traveling for personal or official purposes
Application: Through IFFCO Tokio agents, government offices, or online
10. Future Generali Domestic Travel Plan
Future Generali’s travel insurance offers customizable plans with optional riders and discounts for frequent travelers.
Key Benefits:
Reimbursement for hotel cancellation charges
Protection for personal belongings and documents
In-transit accident and theft coverage
Eligibility: Open to all Indian nationals; age limit varies by plan
Application: Available online or through authorized agents across India
Tips for Choosing the Right Travel Insurance in 2025
Compare Plans Online: Use trusted platforms like Policybazaar, Coverfox, or bank websites to compare features and premiums.
Understand the Coverage Scope: Make sure the plan covers the country or destination you’re traveling to.
Check Claim Settlement Ratio: A higher ratio reflects a more trustworthy insurer.
Review the Details Carefully: Understanding exclusions and the claims process can help you avoid unexpected issues in emergencies.
Include Add-ons Wisely: Add-ons like COVID-19 coverage, adventure sports coverage, or terrorism cover can be valuable, depending on the nature of your trip.
Conclusion
In 2025, with travel becoming more accessible yet more complex, investing in a well-rounded travel insurance plan is a smart and necessary step. Whether you are a student traveling to the UK, a family exploring Kerala, or a businessman attending a conference in Singapore, the right travel insurance ensures that unexpected problems don’t derail your plans or your finances.
Choose an insurer that aligns with your needs, offers prompt customer support, and has a good claim record. After all, the best travel memories are made when you travel stress-free and feel protected no matter where the road or sky takes you.
