🌍 Best Travel Insurance for International Trips (Indians, 2026)
Planning an international trip? Travel insurance protects you from unexpected medical expenses, trip cancellations, baggage loss, and emergencies abroad.
Here are the best travel insurance options for Indians in 2026, based on coverage, premiums, claim support, and international acceptance.
🏆 Best Travel Insurance Providers for Indians
| Provider | Highlights |
|---|---|
| Tata AIG | Medical + baggage + Schengen approved |
| ICICI Lombard | Strong global network, Schengen compliant |
| Care Health Insurance | Economical plans for Asia trips |
| Bajaj Allianz | Family & senior citizen plans |
| Reliance General | Good for USA & Canada |
| Digit Insurance | Quick online purchase & claims |
🎯 Why Travel Insurance Matters
✔ High medical costs abroad
✔ Trip delays & cancellations
✔ Baggage loss
✔ Passport loss
✔ Personal liability
✔ Schengen visa requirement (€30,000 minimum)
✳ Coverage Important for International Trips
Good policies cover:
✔ Medical emergencies
✔ Emergency evacuation
✔ Repatriation
✔ Missed flights
✔ Baggage delays
✔ Trip cancellation
✔ Passport loss
🌍 Country-Specific Notes
🇪🇺 Europe (Schengen)
✔ Insurance is mandatory
✔ Minimum coverage: €30,000
🇺🇸 USA & Canada
Medical costs extremely high → strong coverage recommended
🇸🇬🇯🇵 Asia
Insurance not mandatory but useful for delays & medical support.
🛫 When Should You Buy Insurance?
Best time: just after booking flights
Late purchase = no coverage for earlier events.
💰 Pricing & Premiums
Premiums vary based on:
✔ Destination
✔ Duration
✔ Age
✔ Coverage limits
Short Asia trips start from ₹300–₹600
Europe trips cost ₹800–₹1,800
USA/Canada trips cost ₹2,500–₹6,000+
❓ Frequently Asked Questions (FAQ)
Is travel insurance mandatory for Indians?
Mandatory for Schengen & sometimes for Saudi. Recommended for USA, UK, Canada.
Will credit cards cover travel insurance?
Some premium cards provide insurance, but coverage varies.
Will insurance cover COVID?
Most plans now include COVID medical coverage.
✈ Related Guides
👉 Schengen Visa for Indians
👉 USA Visa for Indians
👉 Canada Visa for Indians
👉 Forex Cards for International Travel
📌 Disclaimer
This guide is informational. Always review policy documents before purchase.