With its incredible food and spectacular scenery, India is a feast for the senses. And because InsureandGo covers all ages, it’s an experience everyone can enjoy. Pay a one-off visit or make it part of your round-the-world trip. We’ve got the right India travel insurance policy for you, whatever you’ve got planned.
What is India travel insurance and do you need it?
Our India travel insurance will cover your trip. We’ll protect against medical costs if you fall ill while away. We’ll also cover other mishaps, like trip delays or a stolen bag.
India’s sheer size and diversity can be exciting and overwhelming. But at least getting travel insurance to the subcontinent is easy. Here’s why finding the best travel insurance for India is a must:
- Covers emergency medical costs: No one wants to think about getting sick on holiday. But if you’re travelling to India, emergency healthcare can be expensive. The FCDO report that local medical facilities aren’t comparable to those in the UK. If you need medical care after falling ill, getting travel health insurance to India can help cover the cost and repatriate you back to the UK if needed..
- Help when you need it: Traveller’s diarrhoea is a common ailment. It affects up to 20% of visitors to destinations like India. It’s often caused by consuming contaminated food or water. If you’re one of the unlucky 20%, you may need emergency assistance. However outside of major cities, medical facilities in India may be few and far between. All InsureandGo policyholders have access to our 24-hour medical assistance team. If something happens while you’re in India and you need emergency treatment, we’re here to help.
- Protects your valuables: Theft and petty crime are common in tourist spots and major cities. If you’re the victim of a crime while on holiday, travel insurance for India can help replace your possessions. If you’re taking anything precious, gadget cover protects your valuables, up to £2,000. And with InsureandGo, 99%+ of all claims are paid within five working days3.
- Covers your travel itinerary: With so much to see and do in India, it’s hard to fit it all into one trip. Luckily, our policies cover over 100 sports and activities. We also have cover for more adventurous activities.
Always check the latest FCDO advice for travel to India. Your insurance could be invalid if you travel against their advice. You’ll also need to check you’ve got all the visa requirements you need for your trip.
Make sure the policy you’ve chosen covers you for all the regions and activities you have planned. Our policy wording provides full terms and conditions, including what is and isn’t included with our cover.
What does InsureandGo’s India travel insurance cover?
What’s covered?
Our travel insurance for India includes:
- Medical emergency expenses.
- Cover for cancellation of your trip.
- Our 24-hour emergency assistance team, available to call, day or night, wherever you are
- Over 100 sports and activities covered (see your policy wording for a full list of activities)
- Personal belongings and baggage cover.
- Personal money, passports and travel documents cover.
- Accommodation cover.
- Legal expenses cover.
What’s not covered?
There are some situations travel insurance will not cover. For example:
- You cannot cover events or reasons to claim which took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
- Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
- All of our travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go
Find out about our optional add ons for activities like extreme sports, cruises and golf. Please note: Our winter sports add on cover is only available to those under 65.
We will consider all pre-existing medical conditions. Find out more about medical travel insurance.
The excess and amount of cover available varies depending on the level of travel insurance you buy. Check the policy wording to see the full terms and conditions.
The best travel insurance for India
Brilliantly bustling, and with bags of character, India’s a traveller’s paradise. From Goa to the Taj Mahal, tailor your policy to your itinerary with InsureandGo. Our optional extras are flexible and designed to suit your trip. It’s no wonder over 60,000 Trustpilot reviews rated us ‘Excellent’ or ‘Great’.
- Hitting the slopes in Gulmarg? This Himalayan destination is one of the best skiing spots in the world. If you’re aged 65 or under, you can add winter sports travel insurance to any of our policies.
- Taking the kids? India has 42 UNESCO-listed World Heritage Sites to keep them occupied. Cover everyone under one policy with a family travel insurance plan.
- Having a year-long trip? From the mountains in the north to the rain forests of the south, India is vast. Explore it at your leisure with long stay policies that cover trips of up to a whole year in length.
- Sailing the ancient spice routes? Cruise holiday insurance can protect you against cruise-specific mishaps in India. It includes things like cabin confinement, cruise interruption, and itinerary changes.
- India just the start of your adventure? Our worldwide travel insurance can cover your trip. We even have policies for the USA, Canada, Mexico and the Caribbean.
Make sure you read our policy wording for more information on what is and isn’t included.
Choose a cover level to suit your travel needs
| Black | Gold | Silver | |
| Medical expenses and repatriation | Unlimited | £15 million | £10 Million |
| Cancellation and curtailment | £10,000 | £7,500 | £5,000 |
| Travel delay | Up to £650 | Up to £540 | Up to £450 |
| Personal belongings | £5,000 | £2,500 | £2,000 |
| Legal Expenses | £60,000 | £50,000 | £15,000 |
| Standard Excess | Nil | £50 | £60 |
How to book our travel insurance for India
Ready to explore India’s vibrant culture and stunning landscapes? Tick travel insurance off your to-do list before you go. It’s quick and easy to get a quote.
Here’s how it works:
1. Tell us about your trip
Let us know your travel dates, your destinations, and who you’re travelling with. You can also tell us about any pre-existing medical conditions you want covered.
You can do this online now or by calling our team:
2. Get your personalised quote
Buy your travel insurance right away. Or save the quote for later if you need more time to think.
Russell Wallace- Travel insurance expert
“India is a land of incredible experiences, from ancient cities to serene beaches. But even the best-laid plans can go awry. Medical emergencies, trip cancellations, or lost luggage can put a damper on your dream holiday. Travel insurance for India ensures you’re financially protected if the unexpected happens. It lets you relax and enjoy the wonders of India, knowing you’re covered for a wide range of situations.”
Our reviews speak for themselves
India 6-month trip
“I spoke to Hilda who was exceptionally helpful. She made me aware of the various options and made the whole process as clear as possible.”
– Lee
– Date of experience: 03 October 2023
Looking for travel insurance for India from the UK? Find out why 99% would recommend InsureandGo to family and friends4.
Travel insurance for India with pre-existing medical conditions
Travelling to India with a pre-existing condition shouldn’t stop you from experiencing its magic. Declare your conditions when getting your quote and you’ll be covered for related medical emergencies. That way, unforeseen costs won’t ruin your Indian adventure.
North Indian cities can have high levels of pollution. If you have a respiratory or heart condition, you may wish to consult a medical practitioner before you travel.
Getting the best travel health insurance for India is a must. At InsureandGo, we’ll consider all medical conditions, including:
Before you get your travel insurance for India, you’ll need to answer a few questions about your health. To learn more, read our page about travel insurance for medical conditions. Or, take a look at our policy wording documents.
If you’d rather talk to someone instead, please get in touch with us.
Frequently asked Questions on India Travel Insurance
Do I need travel insurance for India?
Yes, you need travel insurance for India. It’s not a mandatory requirement to enter the country. But the UK Government states that you must have appropriate travel insurance before you travel to the subcontinent. This should include cover for local medical treatment or unexpected medical evacuation.
While this advice applies to everyone, it is particularly important if you have a pre-existing health condition.
Your travel insurance for India should cover:
- Medical expenses: Standards of healthcare in India vary depending on where you’re travelling to. In the more remote parts, the healthcare services aren’t up to the same standard as those in the UK. Private healthcare facilities in larger cities are to a much better standard, but can be expensive. Travel insurance that includes medical cover can protect you against these costs.
- Stolen belongings: The FCDO warn that you should be cautious in tourist areas, where scammers, pickpockets and ticket touts target foreigners. Take particular care of your possessions on buses, trains and in crowds. Criminals may ride past on motorbikes and snatch valuables. Getting the appropriate cover for your valuable items can cover costs if you’re the victim of crime.
- Cancelling your holiday: Travelling to India from the UK can be expensive. Travel insurance can help you recoup prepaid expenses. This includes flights, hotels, and tours if unforeseen circumstances force you to cancel your trip.
Read our policy documents for a closer look at what is and isn’t included.
Does the GHIC cover India?
No, the GHIC doesn’t cover India. Although it stands for Global Health Insurance Card, you can only use it in EU countries, plus Montenegro, Norway, Iceland, Liechtenstein and Switzerland. For travel to India, you’ll need to buy worldwide travel insurance.
Can I get travel insurance for India as a senior citizen?
Yes you can. InsureandGo offers travel insurance for India with no upper age limit. We will also consider any pre-existing medical condition, no matter your age. This means you’ll be covered for any emergency medical expenses. Plus you’ll be protected for cancellation, lost luggage and more.
How much does travel insurance for India cost?
The cost of travel insurance to India is based on multiple factors, including:
- Your age. Generally, travel insurance gets more expensive as you get older.
- The length of your trip. A longer trip will typically cost more to insure than a shorter one.
- Your desired level of cover. At InsureandGo we offer four levels of cover. With Budget, Silver, Gold and Black, there’s something for everyone. Our Gold travel insurance is a Which? Best Buy2.
- Policy add-ons. Are you planning any adventurous activities on your India trip? Want extra coverage for valuables, golf or cruising? These require more comprehensive coverage, impacting the price.
- Any pre-existing medical conditions. Declaring them might increase the cost slightly, but it’s crucial to get proper cover.
Each of these can vary from person to person, meaning the cost of travel insurance for India will also vary.
Call our team on 0808 281 0594 or get a quick and easy quote online now.
Can I get travel insurance to India with a pre-existing condition?
Yes you can. We offer travel insurance for medical conditions. This covers you if you have a medical emergency related to your pre-existing health conditions.
Pre-existing medical conditions describe any illness or condition that has occurred before you take out an insurance policy, from asthma to cancer.
Before you get your travel insurance for India, you’ll need to do a medical screening process. If you have any pre-existing conditions, this is the time to declare them. Based on your information, you’ll get a personalised quote. You can then choose the plan that best suits your needs and budget.
Remember: It’s always best to declare any pre-existing medical conditions when getting travel insurance. This ensures you have proper cover and avoids any issues if you need to make a claim during your trip.
Do I need a visa to visit India?
Yes, you need a visa if you’re a British citizen travelling to India. You don’t need a visa if you’re an Overseas Citizen of India (OCI) cardholder.
As a UK passport holder, there are two types of visas you can apply for. One is an e-Visa, which you can apply for online. The other is a regular paper visa.
It’s important to make sure you get the right visa for your stay. Getting the wrong visa could result in being detained on arrival, or even deported and blacklisted.
For more information on visa applications, visit the Indian High Commission in London.
Who can I contact about travel insurance for my India holiday?
Anything can happen while you’re abroad, and we know your plans might change. If you need to extend your stay, or you just have a question, you can contact us.
Who can buy an InsureandGo worldwide travel insurance policy?
All our travel insurance for India policies are available to UK residents. This means:
- Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
- They must be in the UK at the time of purchase
- All trips must start and end in the UK
Unfortunately, we can’t provide cover to anyone who doesn’t fit this description.
Get a quote online or browse our policy documents for more information.
Travel insurance guides
Frequently asked questions
If you’ve got more questions about how our India travel insurance works, or more general travel insurance queries, have a read through our FAQs.
Travel advice
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