What is 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..

  • Expenses related to medical emergency like illness, disease or injury during the trip which may include, out-patient and in-patient treatment

  • Cost of obtaining a duplicate or fresh passport, if you lose the original while travelling

  • Coverage against delay in transportation of checked-in luggage

  • In event of you facing theft, mugging, robbery, dacoity of money, your trip insurance shall cover the cost of the same

  • Coverage in event of cancellation of your trip due to unforeseen illness, unfavourable weather conditions, technical fault of the airline

International Travel Insurance Plans

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International 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.
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International Travel Insurance - Family
HDFC ERGO’s International Family Travel Insurance plans are tailored to protect you and your family. Now, travel with peace without any worries!
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International 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.
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International Travel 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

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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*

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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.

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Medical evacuation

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

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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*.

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Medical & Body Repatriation

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

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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 unfortunate circumstance.

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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

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Loss of Baggage & Personal Documents

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

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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*.

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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

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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 offered upto $2,00,000*.

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Financial Emergency Assistance

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

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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*.

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Flight delay

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

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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?

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Breach of Law

If you are involved in any activity which is illegal or is an act of criminal nature.

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Consumption of Intoxicant substances

Treatment expenses related to venereal diseases, drug abuse or alcoholism.

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Pre existing diseases

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

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Cosmetic and Obesity Treatment

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

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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

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Adventure Sports

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

What’s Included?

Medical Related Coverage

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Emergency medical expenses

If there’s a medical emergency, we’re there with our cashless treatment facility because you’ve got a friend in us.

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Emergency dental expenses

Did you know that dental expenses abroad can exceed your budget -trip? But worry not, our emergency dental treatment will ensure a smile in every selfie!

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Medical evacuation

We will literally get you out of distressing situations with emergency medical evacuation via air/surface to the nearest hospital.

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Hospital daily cash allowance

Petty hospitalisation expenses can eat into your trip money. Although medical expenses will get covered seamlessly, with hospital daily cash we look at reimbursing those little expenses as well.

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Medical & Body Repatriation

In case of a death, we’ll bear the cost to transfer the mortal remains to the home country.

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Accidental death

We are with you not just in sickness and health but also in case of an accidental death. We will provide a lump-sum compensation to your family under such unfortunate circumstance.

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Permanent Disablement

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

Baggage-related coverage

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Loss of Baggage & Personal Documents

You don’t want to be in a foreign country without your passport, right? Neither do we, so we will reimburse the expenses for getting a duplicate/new passport.

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Loss of checked-in baggage

What’s the point of vacation shopping if your luggage gets lost? Don’t worry, we’ll compensate you for the loss of your checked-in baggage.

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Delay of checked-in baggage

You are travelling to have fun and not to wait at the baggage collection. So, if your luggage gets delayed, we’ll reimburse you for the essentials while things get sorted.

Journey-related coverage

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Personal liability

In a foreign land if you are accidentally liable for any third party damage, we will compensate you for the same.

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Financial Emergency Assistance

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

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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.

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Flight delay

Flight delays are annoying, right? We will make it a little less so by reimbursing you for the essential purchases you make in the meanwhile.

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Hotel Accommodation

Let us take care of your extended hotel accommodation while you recover from your medical emergency.

What’s Not Included?

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Breach of Law

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

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Consumption of Intoxicant substances

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

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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.

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Cosmetic and Obesity Treatment

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

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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

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Adventure Sports

Any injury caused due to an adventure sport remains uncovered.

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

Overseas Travel Insurance Comparison

While looking for the best 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 overseas location is much higher in comparison to India, In many countries it is a mandatory requirement to getting a visa, however in countries which are not are having such a requirement, it is till suggested that you get a international travel insurance which offers insurance coverage at times of medical emergencies.
It needs to be purchased before you leave India.
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 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 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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