Knowledge Centre

International Travel Insurance

You are about to fly to your dream destination overseas which you have been planning for a long time, brimming with excitement you are looking forward to it, but you are also nervous about any untoward incident like loss of baggage, health emergency regarding you or your family. HDFC ERGO international travel insurance offers insurance coverage which covers these unforeseen risks..

Travel Insurance

International Travel Insurance Plans

Individual Travel Insurance
Travel Insurance - Individual
HDFC ERGO Individual travel insurance ensures your safety against any emergency expenses. Our Travel policy will assist you on your trip if you lose your baggage or need any medical support along with many more benefits.
Family Travel Insurance
Travel Insurance - Family
HDFC ERGO’s International Family travel Insurance plans are tailored to protect you and your family while on a trip abroad. Now, travel with peace without any worries!
Student Travel Insurance
Travel Insurance - Student
Now, studying abroad has become safer with HDFC ERGO’s International Student Suraksha. With student overseas travel insurance your child can study abroad without worrying about safety & medical expenses.
Frequent Flyers Insurance
Frequent Flyers Insurance
Is jet-setting an integral part of your lifestyle? Now, travel peacefully by securing every trip with just one insurance plan.

International Travel Insurance-What’s Included?

Medical Related Coverage

Emergency medical expenses
Emergency medical expenses

Offers cashless treatment, covers defined outpatient, in-patient, medical aid, therapies and diagnostic tests. Emergency Medical Evacuation and Repatriation of Remains to home country is covered up to the medical sum insured chosen. The sum insured offered is upto $5,00,000.*

Emergency dental expenses
Emergency dental expenses

Did you know dental expenses can prove to be very costly? International travel insurance covers the costs of emergency dental work upto $500* arising out of an accidental injury.

Medical evacuation
Medical evacuation

We cover expenses incurred in transferring you to the nearest hospital/health care center where you could receive appropriate treatment.

Hospital daily cash allowance
Hospital daily cash allowance

Getting hospitalized in a foreign nation can be a challenging situation, although medical expenses will get covered seamlessly, with hospital daily cash we look at reimbursing those little expenses as well upto $15 per day upto maximum of $150*.

Medical & Body Repatriation
Medical & Body Repatriation

In an unfortunate event of death, cost of transferring mortal remains to the home country would be borne by us.

Accidental death
Accidental death

Covers the insured against an accidental injury that leads to death or permanent disablement while travelling in a common carrier such as rail, bus, tram, or aircraft. We will provide lump-sum compensation upto $5,000* to your family under such an unfortunate circumstance.

Permanent Disablement
Permanent Disablement

If an unfortunate accident causes permanent disability, we’ll provide a lump-sum compensation upto $ 5,0000* to make things a little easier for you.

International Travel Insurance-Baggage-related coverage

Loss of Baggage & Personal Documents
Loss of Baggage & Personal Documents

Losing your passport in a foreign country can be a nightmare. We cover the actual cost of replacing lost documents and belonging upto$250*.

Loss of checked-in baggage
Loss of checked-in baggage

Imagine all your shopped items getting lost, don’t fret we cover permanent loss or damage to the checked in baggage upto $ 1000*.

Delay of checked-in baggage
Delay of checked-in baggage

Waiting for checked in baggage can be tiring, we offer coverage related to toiletries, clothing and medication due to delay of checked in baggage for more than 12 hours upto $200*.

International Travel Insurance-Journey-related coverage

Personal liability
Personal liability

Coverage for compensation for damages to be paid to a third party, resulting from death, injury or damage to health or property caused involuntarily by the insured would be offered upto $2,00,000*.

Financial Emergency Assistance
Financial Emergency Assistance

Even on a solo trip, you are not alone. We’ll provide emergency cash in case of robbery, theft, or dacoity.

Hijack Distress Allowance
Hijack Distress Allowance

We might not be able to rescue a hijacked flight, but we’ll definitely compensate you for the distress it causes you upto $75 per day*.

Flight dela
Flight delay

Missed that connecting flight, wondering how much loss you would have to incur. Our cover offered $10 per hour upto max payment of $120

Hotel Accommodation
Hotel Accommodation

We pay for coverage for your hotel accommodation upto $3,000* in case you missed the flight due to bodily injury or sickness.

*The coverage is applicable for single trip travel insurance plan-platinum option

International Travel Insurance-What’s Not Included?

Breach of Law
Breach of Law

Claims arising from your involvement in any activity which is illegal or is an act of criminal nature shall not be covered.

Consumption of Intoxicant substances
Consumption of Intoxicant substances

Treatment expenses related to venereal diseases, drug abuse or alcoholism shall not be entertained.

Pre existing diseases
Pre existing diseases

Any existing illness or any disease you have before you go for the trip will not be covered under the plan.

Cosmetic and Obesity Treatment
Cosmetic and Obesity Treatment

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

Self Inflicted Injury
Self Inflicted Injury

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

Adventure Sports
Adventure Sports

Expenses for treatment of injuries suffered in an adventure sport are not covered.

(Coverages mentioned above may vary from policy to policy. Please refer to policy wordings for detailed list of inclusions and exclusions.)

Coverages mentioned above may vary from policy to policy. Please refer to policy wordings for detailed list of inclusions and exclusions.

Why HDFC ERGO?

Secured Over 1 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
Why HDFC ERGO?

All the support you need 24x7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.
Why HDFC ERGO?

Pay only for the days you travel

Wondering if you end up paying for more days than you actually travel? Take it easy! You can now get travel insurance for a specific number of days and pay simply on per day basis.
Why HDFC ERGO?

Say Good Bye to Medical Check-ups

No need to undergo any health check-up to get HDFC ERGO Travel Insurance.
Why HDFC ERGO?

Go Paperless!

We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods. Your policy straight-away sits in your inbox**.
Why HDFC ERGO?

Secured Over 1 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.

All the support you need 24 x 7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.

Pay only for the days you travel

Wondering if you end up paying for more days than you actually travel? Take it easy! You can now get travel insurance for a specific number of days and pay simply on per day basis.

Say Good Bye to Medical Check-ups

No need to undergo any health check-up to get HDFC ERGO Travel Insurance

Go Paperless!

We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods. Your policy straight-away sits in your inbox**.

Buy international travel insurance plan online

Now choosing and buying international travel insurance is just click away and can be done from the comfort of your home or office. Trend of online purchase of international travel insurance plan has picked up and is growing with each passing day.

  • You can visit our website and compare the travel insurance plan options-Titanium, Platinum, Gold & Silver

  • So Now you are ready... just keep these details handy like travelers name, date of birth, date of departure and arrival and the countries you plan to visit

  • Once you have filled the details and chosen the plan, you would be sent a payment link

  • All set to make the payment, you can choose from online banking, credit/debit card options.

  • Done with the payment... your policy will be delivered in your inbox

International Travel Insurance Claims-Process

  • Medical and Accidental Emergencies
    In event of you falling ill or meeting with an accident, you can either get treatment in the foreign country or could also get emergency evacuation back to the home country. You can inform the insurer over the mail or phone. For easy claim settlement you would have to submit medical reports, prescriptions, payment receipts and any other documents that have been asked for by the travel insurer. In event of damage to a third party or meeting with an accident, filing a police report / FIR is mandatory.

  • Loss or Delay of Checked in Package
    Here, you would have to get letter from airline confirming loss or delay of checked in baggage. You also would have to submit flight tickets, a copy of boarding pass, a copy of passport and baggage delivery report. So, when you return from the trip, you would have to file the claim and submit the needed documents.

  • Loss of Passport
    You would have to file an FIR and also inform the insurer about the loss. Having a copy of passport would be helpful in such an event. You would have to submit receipts of all the expenses incurred in obtaining a new passport at the time of making claim. You would also need to submit documents including identity proof, embassy and passport office receipts, a copy of cancelled cheque, emergency travel certificate and a copy of new passport.

International Travel Insurance for Most Visited Countries

International Travel Insurance Comparison

While looking for the best international travel insurance plan you need to understand the coverage and benefits offered by each plan type so that you are covered
enough against contingencies faced in a foreign country.

  •  
  • Suitable for
  • No. of Members in a Policy
  • Maximum Stay duration
  • Places you can travel
  • Coverage amount options
  • Extension Options
  • Individual/Familly
  • Individuals, Family
  • Upto 6 members
  • 180 Days
  • Worldwide
  • $50K, $100K, $200K, $500K
  • Up to 180 Days
  • Frequent flyers
  • Frequent Overseas Travellers
  • Only for Individuals
  • 45 Days
  • Worldwide
  • $250K & $500K
  • Can be renewed annually
  • Individual/Familly
  • Frequent flyers
  • Suitable for
  • Individuals, Family
  • Frequent Overseas Travellers
  • No. of Members in a Policy
  • Upto 6 members
  • Only for Individuals
  • Maximum Stay duration
  • 180 Days
  • 45 Days
  • Places you can travel
  • Worldwide
  • Worldwide
  • Coverage amount options
  • $50K, $100K, $200K, $500K
  • $250K & $500K
  • Extension Options
  • Up to 180 Days
  • Can be renewed annually

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Frequently asked questions on International Travel Insurance

The cost of healthcare available at an overseas location is much higher in comparison to India. In many countries it is a mandatory requirement to get a visa, however in countries which do not have such a requirement, it is still suggested that you get an international travel insurance policy which offers insurance coverage at times of medical emergencies.
You need to purchase an international travel insurance policy before the commencement of your journey from India.
The policy covers - Medical Expenses including Evacuation & Repatriation, Personal Accident, Travel support (loss of passport, loss of checked-in baggage,  Delay of Checked-in Baggage, Hijack Cover,Hospitalization Daily Allowance, and Emergency financial assistance and Personal Liability. <
In event of hospitalization at a network hospital, the insured needs to contact the travel insurer and complete the process and fill in the requisite forms. The insurer would directly contact the hospital and arrange for the payment.
You can buy international travel insurance online before commencement of your journey. Once you have filled in all the details and have made the payment, you will receive the soft copy of the plan. The plan comes into effect from the date mentioned on the policy document or the time you board to leave for an overseas journey
The insurance cover terminates on the end date mentioned in the policy document or when the insured returns to India, whichever is early
As long as you have an active Indian Passport and you plan to return to India, you can buy a travel insurance policy.
Family means members listed below travelling on same trip: • Your legally married spouse as long as she/he continues to be married to you; • Your legal and dependent children; • Your legal and dependent parents and parents in law
It is suggested that you buy a multi trip travel insurance plan which offers insurance coverage for a period of 1 year from the start date of the policy.
You would have to decide on the travel insurance amount based on your financial needs and the country you plan to visit, number of travel days, amount of premium you want to pay and the geographical location.
FIR (First Information Report) is required in cases of: • Loss of passport • Personal liability • Financial emergency
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