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Home / Travel Insurance / Family Travel Insurance Policy

Family Travel Insurance

Travel Insurance

Family vacations are fun and personal. It is a great way to bond with your near and dear ones and make memories for a lifetime! Whether it's a beach vacation, climbing the mountains, holidaying close to nature's lap or a luxury stay, the joy of spending some precious moments with your family remains unparalleled. It is wise to ensure that nothing takes the joy out of your family vacation in case an emergency or an untoward event confronts you. Remember, medical emergencies can be unpredictable so is flight delays and missing baggage. So, while vacationing at an international destination having International Travel Insurance helps. When travelling with your family, opt for a Family Travel Insurance policy, a single insurance plan that secures all your family members in one go! HDFC ERGO Family Travel Insurance protects you and your family from possible risks and uncertainties during your travel period at an international destination.

Where do you wish to wander today?

Asia

Asia

Experience the diversity of Asia without a single worry with our travel insurance plans. The medical insurance coverage comes in particularly handy when traveling to remote parts of the continent.
Schengen countries

Schengen countries

While it is compulsory to get travel insurance to obtain a Schengen visa; the sceneries shine brighter, and parties get louder when you have someone looking out for you at every step of the way!
Worldwide, excluding USA and Canada

Worldwide, excluding USA and Canada

For nomads constantly hopping from one country to another, a comprehensive travel insurance plan offers the safety and peace of mind to travel at will to any part of the world without any hassles.
Worldwide coverage

Worldwide coverage

It's beautiful to see the sunrise from a different country every week, but as a globetrotter, you must also prioritise your safety. Travel the world fearlessly as we protect you and everything dear to you.

What Does HDFC ERGO Travel Insurance Policy Cover?

Emergency Medical Expenses

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.

Emergency dental expenses coverage by HDFC ERGO Travel Insurance

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

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

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

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 coverage by HDFC ERGO Travel Insurance

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

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 Baggage & Personal Documents by HDFC ERGO Travel Insurance

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

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 coverage by HDFC ERGO Travel Insurance

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.

Trip Curtailment

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 flight

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.

Loss of Passport & International driving license :

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.

Hospital cash - accident & illness

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 by HDFC ERGO Travel Insurance

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 by HDFC ERGO Travel Insurance

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.

Loss of Passport & International driving license :

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 Travel Insurance Plan Not Cover?

Breach of Law

Breach of Law

Any sickness or health issues caused to due to war, injury, or a breach of the law.

Consumption Of Intoxicant Substances not covered by HDFC ERGO Travel Insurance

Consumption of Intoxicant substances

If you consume intoxicant or banned substance, the policy shall not entertain any claims.

Pre Existing Diseases not covered by HDFC ERGO Travel Insurance

Pre existing diseases

If you're suffering from a disease before travelling or undergo treatment for an illness which already exists, we do not cover it.

Cosmetic And Obesity Treatment not covered by HDFC ERGO Travel Insurance

Cosmetic and Obesity Treatment

If you or your family member choose to undergo cosmetic or obesity treatment, it stands uncovered.

Self Inflicted Injury not covered by HDFC ERGO Travel Insurance

Self Inflicted Injury

We apologise but if you hurt yourself or get hospitalised due to suicide attempt we shall not be able to cover you

Self Inflicted Injury not covered by HDFC ERGO Travel Insurance

Adventure Sports

Any injury caused due to an adventure sport remains uncovered.

Family Travel Insurance Plans

Trip Duration and Travel Insurance

Family Single Trip International Insurance

As the name goes, single trip international insurance is apt for all those who wish to travel just once to a particular overseas destination. Just like you wish to go on a solo backpacking to Georgia or Bahamas or a business conference at U.S.A this travel insurance is best for you. If you are a group of friends or family going for a vacation then this suits the best. HDFC ERGO offers comprehensive benefits, like offering medical cover when you fall sick or face an accidental injury.


Trip Destination & Travel Insurance

Family Multi Trip Individual Insurance

For the ones who are always on the go and keep hopping to multiple countries or visit the same country many times a year, this insurance is a must. The best part is it saves you from the hassle of multiple renewals. You can buy it for a year and travel as much as you wish to without worrying about getting travel insurance for every single trip. This is best suited for frequent flyers!


Coverage Amount & Travel Insurance

Family Travel Medical Insurance

Travel Insurance is a must for medical necessities! We all know medical expenses cost a bomb at international destination even a minor injury or fever treatment may hamper your trip budget. Hence, it's always recommended to buy travel insurance for medical coverage. We offer benefits like:

● Emergency Medical Expenses

● Dental Expenses

● Personal Accident

● Hospital Cash


List Of Countries Where Travel Insurance Is Mandatory

Here are some of the countries that require mandatory overseas travel insurance: This is an indicative list. It is advisable to check each country’s visa requirement independently before travel.

my:health medisure super top-up plan

Schengen countries

  • France
  • Spain
  • Belgium
  • Austria
  • Italy
  • Sweden
  • Lithuania
  • Germany
  • the Netherlands
  • Poland
  • Finland
  • Norway
  • Malta
  • Portugal
  • Switzerland
  • Estonia
  • Denmark
  • Greece
  • Iceland
  • Slovakia
  • Czechia
  • Hungary
  • Latvia
  • Slovenia
  • Liechtenstein and Luxembourg
my:health medisure super top-up plan

Other countries

  • Cuba
  • Ecuador
  • Iran
  • Turkey
  • Morocco
  • Thailand
  • UAE
  • Togo
  • Algeria
  • Romania
  • Croatia
  • Moldova
  • Georgia
  • Aruba
  • Cambodia
  • Lebanon
  • Seychelles
  • Antarctica

Source: VisaGuide.World

Hear from Our happy customers

4.4/5 Stars
rating

Our customers have rated us

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JAGRATI DAHIYA

STUDENT SURAKSHA OVERSEAS TRAVEL

10 Sep 2021

Happy with the service

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Vaidyanathan Ganesan

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.

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SAKSHI ARORA

my:Single trip Travel insurance

05 Jul 2019

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

Yes. A younger spouse can be the proposer.

Yes, we do cover trip cancellation. In case of trip cancellation, we will refund the non-refundable portion of your pre-booked accommodation and activities.

Yes, you will be able to claim this under personal liability section of the policy.

This benefit will reimburse the insured person the cost for the purchase of necessary personal effects like toiletries, clothing, medication etc. while the delay of checked baggage has occurred.

This benefit will reimburse the insured person the cost of replacement of the articles if the checked in baggage are permanently damaged or lost.

No, if later the baggage and/or personal belongings are lost, then any amount claimed and paid to an insured person under the baggage delay section will be deducted from any payment under the baggage loss section.

Yes, emergency dental treatment is covered on reimbursement basis.

Since delay of checked-in baggage reimburses the cost of purchage of personal effects, you may not incur these expenses when you return back home. Loss of checked in baggage is covered both ways, whereas delay of checked-in baggage is covered only one way for obvious reasons.

As the name goes single trip multi insurance is for all those who intend to explore places just one a year probably, it could be for a leisure trip or a business conference. Multi trip insurance is generally taken on annual basis and it suits all those who wish to travel internationally frequently. Basically, not just once but on frequent basis. This helps in avoiding renewals and buying a new policy everytime you fly overseas. You buy a travel insurance policy for once and keep travelling for an entire one year.

If you wish to compare travel insurance plan to get the best family travel insurance all you need to do is compare coverage and check the premium to find if you are getting maximum coverage at an affordable premium to get the most suited travel insurance plan.

Every travel insurance plan comes along with a set of coverages and exclusionsIn a nutshell, any travel insurance plan that covers medical expenses due to injury or illnes in an international destination along with emergency expenses due to flight delay or loss of luggage is most suited for your family. However, also check on the brand and its customers who have got themselves covered before choosing the best travel insurance plan.

When buying a family travel insurance policy, you would have to provide HDFC ERGO with the following details -

● Your name and contact details

● The name and age of all family members travelling with you

● Relationship with the travelling members

● Countries of visit

● The trip duration

● Your passport details

● The plan variant that you want

● Any pre-existing condition or medical illness you or any family member is suffering from

● Any other details required by the insurance company

Based on these details, your travel insurance policy would be underwritten and issued.

No, HDFC ERGO offers family travel insurance plans for members aged up to 70 years.

In the case of medical emergencies, you should contact HDFC ERGO's TPA Alliance Global Assist. If you want the cashless settlement of claims, you should visit the hospitals tied up with the TPA and the insurance company. On the other hand, if you are okay with reimbursement claims, you can visit any hospital. Once you inform HDFC ERGO's TPA, the TPA would guide you about which hospital to visit.

Currently, we do not offer extension of trip

A pre-existing medical condition is an ailment that you might suffer from when buying a travel insurance policy. For instance, if you or any family member is a diabetic or suffers from hypertension, such ailments would be considered a pre-existing medical condition.

No, pre-existing medical conditions are not covered under travel insurance plans. If you suffer any medical complication on the trip which is due to such pre-existing condition, the coverage would not be allowed.

Yes, you can cancel your family travel insurance plan after buying it. However, this cancellation is allowed before the trip has started provided you have not made any claims on the plan. It is important to note that cancellation charges will apply on cancelling the travel insurance policy.

Our international travel insurance policy covers multiple family relationships hence you can insure up to 12 immediate family members

Policy cannot be offered if the customer has already travelled abroad.

Yes, you can buy a travel insurance plan for your parents from the US. The plan would be valid. However, here are some points to note

● The premium should be paid in INR

● If there is a requirement for pre-entrance health check-ups, your parents should undergo such check-ups in India after which the policy would be issued

You can renew the travel insurance plan online through HDFC ERGO's website. Visit https://www.hdfcergo.com/renew-hdfc-ergo-policy and enter your registered mobile number, email ID or policy number. Click on 'Renew Now' and follow the process to renew the plan within minutes. However, renewal is allowed only for annual multi-trip policies. Single trip policies cannot be renewed.

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