International Travel Insurance
Overseas Travel Insurance at Affordable Prices
✅ 24x7 assistance ✅ Baggage Loss ✅ No Medical Test
UID: 5650 | *T&Cs apply
UID: 5650 | *T&Cs apply
Home / International Travel Insurance
What is International Travel Insurance?
International travel insurance covers a wide range of unforeseen events that could occur while you are abroad, including but not limited to flight cancellation/rescheduling, lost or delayed luggage, medical emergencies, injuries from adventurous activities, bounced hotel bookings, and emergency evacuations.
ACKO offers overseas travel insurance policies that cater to various needs, whether you are a solo traveller, venturing on adventures, a senior citizen, or travelling with a newborn. These plans are available for both single and multiple trips and are customisable. The convenience of purchasing these plans online further simplifies the process, making it easy to secure coverage from anywhere.
Why do I Need International Travel Insurance?
If you’re planning to travel abroad without overseas travel insurance from India, have a look at these critical points.
According to reports, airlines lose about 28 million pieces of luggage annually.
3 flights were hijacked in 2021 alone.
Medical facilities can be up to 8 times higher in foreign countries.
Travellers are likely to lose their passports, credit/debit cards and even mobile phones.
You may miss your flight/your flight may be delayed for some reason.
Baggage delays, lost luggage are common issues that international travellers often face.
Reasons Why ACKO's International Travel Insurance Policy is Better Than Others
List of Benefits | ACKO | Others |
|---|---|---|
Accidental and Illness IPD | No extra charges for consumables, no limit on room rent, or a SI limit on dental treatments | Additional charges apply for consumables, capping on room rent and limited SI for dental care. |
Flight Delay | Fixed payout, covers delays for all legs of the journey, excluding rescheduling. | Covers delays over 12 hours with reimbursement upon bill submission. Applies only on return trip; one claim per policy. |
Trip Cancellation | Minimum 2-day hospitalisation required. Cancellation due to pre-existing diseases is covered. | Minimum 3-day hospitalisation required. Cancellation due to pre-existing diseases is not covered. |
Missed flight | Covers most reasons (new flight ticket within 48 hours and a no-show certificate required.) First flight should have taken off | Only on missed connecting flights |
Missed connecting flight | Covers all legs of journey | Only on return journeys, limited to one claim only |
Delay/loss of checked-in luggage | No bill needed for checked-in luggage delays over 3 hours. Fixed payout. | Bills needed for checked-in luggage delays over 6 hours. Indemnity payout |
Denied boarding/check-in | Covers any reason | Air tickets/hotel bookings made within 7 days of departure/ |
Adventurous sports | Injuries/hospitalisation due to adventure sports are covered | Most insurers do not cover injuries that occur during adventure sports. |
Deductibles | Zero out-of-pocket charges | Additional charges apply |
Features of ACKO International Travel Insurance Plan
Cashless Hospitalisation
With our network hospitals worldwide, you can enjoy the convenience of cashless hospitalisation benefits no matter where you are, even in remote islands. And if needed, we also offer reimbursement options.
No Pre-medical Check-up
Our completely digital platform means you won't need to go through any medical screening before purchasing international travel insurance policy. You can focus on enjoying your trip without any unnecessary stress.
Trip Cancellation Coverage
In case you are cancelling your flight or your flight gets interrupted due to a reason we cover, you will be reimbursed for the cancelled flight ticket.
Budget-Friendly
Wondering about international travel insurance costs? At ACKO, we provide basic travel plans for only Rs. 49 for a five-day term, which is equivalent to approximately Rs. 10* per travel day.
Quick Claim Settlement
When a claim is filed with ACKO, we get to work right away. To get you back to doing what you love as soon as possible, without any unnecessary delays or hassles, we will do whatever it takes to settle your claim.
Customisable Insurance
We understand that everyone has different preferences, so we want to make sure we offer you choices that fit your needs perfectly. Thanks to our flexibility, you can select the covers that work best for you without any trouble.
What does the ACKO International Travel Insurance Plan Cover?
We offer the following under our international travel insurance plan:
Medical Cover
Belongings Cover
Trip cover
Add-ons
Medical Cover
You will get the following coverage under our international travel insurance policy:
Accidental Expenses
While it’s not a pleasing thought, accidents are possible while travelling abroad. In such cases, your international travel health insurance will cover medical expenses up to the policy's maximum limit.
Illness Expenses
Getting sick is a common occurrence while travelling due to changing surroundings. But sometimes, the illness can be serious and may require hospitalisation. Thus, travel-related illness hospitalisation expenses are reimbursed up to a policy limit.
Hospital Daily Allowance
Accidents or illnesses that happen while you are travelling and require you to be hospitalised will be covered by the daily allowance for a certain number of days, up to the policy's limits and terms.
Physiotherapy Expenses
If you get hurt during your travels, rest assured that the cost of required physiotherapy after an accident will be covered under the terms specified in the travel insurance policy.
OPD Expenses
You will be reimbursed for the costs related to any OPD treatments, tests or consultations required within the specified policy duration due to an illness or injury contracted/suffered during a trip.
Compassionate Visits
We know the importance of having a loved one by your side during a crisis. That's why our policy goes the extra mile for you. It covers the cost of two-way tickets for a family member to visit the place of hospitalisation of the insured person during the travel period.
Evacuation (Medical and Catastrophe)
If you experience a catastrophic event while travelling, you may need emergency evacuation. Under our travel insurance online, expenses for transporting the insured person by air or land during their travel period are reimbursed as per the policy terms.
Accidental Death
Although it is the last thing anyone wants to think about, our international travel insurance policy also covers if the insured person dies while travelling or within a year of getting injured in an accident while travelling.
Permanent Disability
An accident (that has occurred overseas) may cause permanent, partial or total disability. If a disability occurs within a year of encountering an accident, you will receive compensation based on the terms of the policy.
Repatriation of Mortal Remains
In case of the unfortunate demise of the insured, we take care of the repatriation of the mortal remains from the location of death to the person’s home, as per our international travel insurance policy terms.
Belongings Cover
With these covers, we make it easier to handle:
Delayed Baggage
Even a few hours without your luggage can be extremely inconvenient. But that’s what many travellers face when their baggage gets delayed due to misplacement or some other reason. But worry not! If you get caught up in such a situation, our flight travel insurance will pay you a lump sum as per the policy terms.
Lost Baggage
It’s one thing to get your baggage with a little delay, but losing your luggage entirely creates a massive problem while travelling. As per the terms of the policy, we provide a fixed payment for the partial or total loss of your checked-in baggage.
Loss of Passport
Losing a passport in a foreign country can put you in serious trouble. Our foreign travel insurance will cover the application fees and documentation expenses for you to get a duplicate.
Financial Emergency Cash
Losing your travel money can be very upsetting, so we can arrange a certain amount from your friends and family in India and send it to you to help you get by while you are away.
Trip Cover
Our international travel insurance can help you cover the following:
Flight Delay
If your booked flight is delayed beyond the number of hours specified in the policy, we will reimburse you as per the compensation limits set in the policy.
Flight Rescheduling
If you have to reschedule a flight because of an accident, illness, or any other reason listed in our policy, this insurance coverage will pay up to the plan's limit for booking a new flight.
Flight Cancellation
If you have to cancel your flight due to an unavoidable reason like an accident or hospitalisation, we will reimburse you the costs as per the terms of your trip insurance plan.
Missed Flight
If you miss your flight, we will pay you the policy schedule amount if you book a new flight within 48 hours with a no-show certificate.
Missed Connection
What if you lose a connecting flight due to the delay of the first flight? Our travel policy covers such situations by covering the cost of booking a new flight within the policy's term.
COVID-19 Cancellation
If you have COVID-19, you may have to cancel your flight. Our international travel insurance policy online with COVID coverage can help you focus on your health recovery by covering the unrecoverable cost of a flight, as per our policy terms.
Add-ons
You can select these add-ons on top of the covers you choose:
Adventure Sports Injuries
For adventure junkies, our international travel insurance policy offers coverage for an adventure sports injury that requires hospitalisation during your trip as per the terms of the policy.
Bounced Booking
If you are denied boarding a flight or entry to your hotel during check-in, this feature will cover the cost of rebooking.
What’s Not Covered Under the International Travel Insurance Plan by ACKO?
Here are the situations usually not covered by ACKO’s international travel insurance online:
Travel Exclusions
- Not having a valid visa to visit a country.
- Visiting a country for medical consultation or treatment.
- Going on an international journey even when you’re medically unfit to travel.
- Travelling even when your doctor advises against it.
- Travelling overseas to overseas.
- If you get insurance after leaving India or if you stay longer than planned.
- If you end your trip somewhere else.
Medical Exclusions
- Pre-existing diseases and related complications as per policy terms.
- A disability certificate issued by a Medical Professional who shares a family relation with the insured person.
- Complications that may arise due to pregnancy and/or related medical treatments.
Legal Exclusions
- Self-inflicted injuries, suicide or attempted suicide.
- Injuries, loss or damage directly or indirectly related to alcohol consumption, substance abuse, hallucinogen, etc.
- Injuries, loss or damage while intentionally/unintentionally participating in criminal activities.
- Injuries, loss or damage while participating in hazardous activities such as tunnelling, mining, etc.
Note: Please remember that this is not a complete list of the exclusions and inclusions; hence, you are advised to read every description in your policy document carefully.
How to Buy the Best International Travel Insurance Online?
Buying international travel insurance plan online from ACKO is very simple and easy. Just follow these steps:
Step 1: Click here and pick the types of coverage you want.
Step 2: Choose the basic plan or customise your coverage as needed.
Step 3: Choose your travel destination, specify your trip's start and end dates, and provide details about your fellow travellers.
Step 4: Fill in your own information and that of any other passengers.
An instant travel insurance policy will be generated and sent to your email ID immediately.
Which Documents are Required for Travel Insurance Claims?
Here is a list of international travel insurance claim documents you will most likely need. The exact list can vary on a case-by-case basis.
Claim Documents for Medical Cases
Duly filled/signed claim form obtained from us
Travel tickets of the insured traveller
Valid KYC-related document copies of the claimant or the nominee (PAN card, Passport, Driving Licence, etc.)
FIR’s attested copy (if applicable)
Proof of legal heir (if applicable)
Investigation and medical reports (wherever applicable)
Disability or death certificate’s attested copy (obtained from relevant authorities)
Details of the attending medical professional
Other documentation as applicable
Claim Documents for Non-Medical Cases
Duly filled out/signed claim form obtained from us
Letter from the common carrier stating the reason and duration of the delay/cancell
Property Irregularity Report (PIR)
Letter from the airline clearly accepting the total loss of baggage with compensation details
Proof of loss or inconvenience (obtained from a service provider or travel organiser)
Evidence of ownership of stolen or lost property (like a payment receipt)
Other documentation as applicable
How to Compare International Travel Insurance Policies Online?
When comparing international travel insurance policies online, it's important to consider several factors to ensure you choose the right coverage for your needs. Here's a step-by-step guide to help you compare international travel insurance policies:
Step 1: Determine your Coverage Needs
Make a list of the specific coverage you require for your trip. This may include medical expenses, trip cancellation/interruption, lost baggage, emergency evacuation, personal liability, and other relevant aspects.
Step 2: Compare Policy Coverage
Review the coverage provided by different insurance policies. Note the maximum coverage limits and any specific exclusions or conditions that apply.
Step 3: Compare Policy Costs
Consider the premiums associated with each policy. Compare the costs against the coverage and benefits provided. Ensure that the policy you choose fits within your budget.
Step 5: Claim Procedure
Look into the claim process to understand how difficult or easy it can be to raise a claim. The easier the claim process, the better. Also, consider the turnaround time (TAT) for claim settlement, as faster settlements can offer added peace of mind during your travels.
Step 6: Cashless Travel Insurance Plans
Last but not least, don't forget to check if the insurer offers cashless travel insurance, like ACKO does. Cashless travel medical insurance can provide added convenience and financial security during your trip.
Things to Remember on Your International Trip
Travel Documents
Check that you have all of your travel documents with you, like your passport and visa, and that they are still valid. If you show up to your flight without the right documents, you might not be allowed on.
Book Before Hand
Booking in advance gets you the greatest rates! Your schedule prepared perfectly from start to finish gives you precious peace of mind.
Pack Appropriately
While you should always bring everything, packing too much, too little, or going overboard might ruin your trip. Travelling is easier when you pack well.
Read Airport Travel Tips
Familiarise yourself with the airport rules. Print visas, travel tickets, and hotel information ahead. Some airports have terminals miles apart, so know which one you're leaving from. Pre-check in online if possible, download your favourite shows, movies, podcasts, etc. to kill time.
Consider Getting Travel Insurance
Buying travel insurance should be a must before travelling abroad. In case of flight cancellation/interruption, emergency evacuations or lost luggage, travel insurance may save you a lot of money.
Countries that Need an International Travel Insurance Policy
If you're planning to travel abroad, it's important to know that some countries require you to have travel insurance international policies before you can enter. To help you out, take a look at the table below to see which countries require it.
Country | International Travel Insurance Requirement | Additional Context |
|---|---|---|
Russia | Travel insurance is often required, and it's recommended to have coverage for the entire duration of your stay. | The requirement may vary based on your nationality and the purpose of your visit. Always check with the Russian embassy for the latest information. |
Cuba | Travellers to Cuba typically need international travel insurance that covers medical expenses. | Proof of travel insurance may be requested upon entry to cover medical expenses during your stay. |
Turkey | Travel insurance is not typically mandatory, but having coverage for medical expenses is highly recommended. | It's wise to have insurance for medical emergencies, as healthcare costs can be high for foreign visitors. |
Qatar | Qatar has introduced insurance requirements for travellers, particularly related to health coverage. | Travellers may need to show proof of insurance that includes medical coverage when entering Qatar. |
Schengen Area | The European countries in the Schengen Area require travellers to have Schengen Travel Insurance. | This insurance is mandatory for obtaining a Schengen visa and provides coverage during your stay in these countries. |
The United Arab Emirates | Travel insurance is not generally mandatory, but it's advisable to have coverage for medical emergencies. | While not required, having insurance for medical expenses can be beneficial in case of unexpected health issues. |
Note: Please note that international travel insurance requirements may change over time. To ensure you have the most current information, check with the country’s embassy you plan to visit.
Frequently Asked Questions
Here are a few frequently asked questions about international travel insurance India.
Does ACKO cover trip cancellations due to COVID-19 infection?
Yes, ACKO covers your cancelled flight if you contracted COVID-19 and were advised to quarantine.
What are the age criteria for receiving ACKO International Travel Insurance Policy?
One must be at least 90 days old and not more than 70 years old to get ACKO International Travel Insurance.
Can I buy international travel insurance coverage for my business trip abroad?
Yes, you can purchase international travel insurance to cover your leisure as well as business trips.
Can I purchase travel insurance abroad?
No, you cannot purchase travel insurance if you are outside of India.
I’m planning to travel to multiple countries in a single trip. Will I need separate travel insurance policies for each country?
Yes, you can include all the countries you are planning to cover in a single trip in one policy.
Will my international travel insurance offer coverage for missed flights?
With a no-show certificate, you can get compensation for missed flights. However, you need to book a new flight within 48 hours.
Can I get coverage for trip cancellations with travel insurance international plan?
Yes, your flight cancellation is already covered under the travel insurance policy, unless the reasons are as per the policy schedule.
Is ACKO international travel insurance good?
Well, we understand that everyone has their own unique perspective on what constitutes a good insurance. However, we believe that a good insurance is one that covers almost all potential eventualities, including those that may occur before your trip commences. If you share this view, you can trust ACKO!
Does international travel insurance expire?
The policy ends once the journey is over.
What is the maximum trip length with a single-trip policy?
The maximum trip length you get with ACKO is 180 days. However, travel should start from India and end in India.
Is international travel insurance cashless?
We provide both cashless and reimbursement options with our international travel insurance plans.
Is it possible to buy travel insurance online after booking my flight tickets?
Yes, you can buy travel insurance for international trips after booking flights. However, you need to purchase it before the departure date.
I have a travel insurance policy from ACKO. How can I talk to a customer executive about claim requests?
You can give us a missed call at 01246174722 or email us at [email protected]. Our team member will get back to you shortly.
Can I purchase travel insurance after leaving India?
No, once you have left India and begun your journey, you will not be able to purchase international travel insurance for that specific trip any longer because it’s too late.
Can old people buy international travel insurance?
Yes, old people can indeed buy international travel insurance from India. We have travel insurance international policies for people of many different ages, including seniors up to the age of 70.
What will be the start and end dates of my travel coverage?
You can choose your trip's start and end dates at your convenience. During this time, the benefits will still be paid. However, certain benefits may be applicable before starting your trip, such as trip cancellation. Similarly, you will receive applicable policy coverage for a disability occurring as a direct result of a travel-related accident within a year of your trip.
Do I need to give proof of physical fitness while buying overseas travel insurance?
Usually, physical fitness proof is not required for international travel insurance. However, you will need to declare any pre-existing medical conditions at the time of policy purchase.
Does an Indian need overseas travel insurance to visit one of the Schengen countries?
Yes, all Indians are required to produce a valid overseas travel insurance in order to obtain a visa for one or more Schengen countries.
What is single-trip travel insurance?
Coverage under a single-trip policy is limited to one trip and ends when the policyholder returns home. This insurance protects you for a single trip or vacation, covering unexpected events.
Is international travel insurance mandatory for foreign trips?
A international travel insurance policy is a requirement for all applicants for visas, with the exception of a few nations. For example, the 29 countries included in the Schengen zone have mandated a travel insurance plan to authorise a tourist visa. The same rule applies when you visit the USA, Turkey, UAE, etc.
Which is better international travel insurance?
When it comes to selecting the right international travel insurance for you, it's important to take a few things into account. Like:
- how often you travel;
- your destination country;
- its coverage;
- its terms and conditions, and
- the insurance company's reputation;
In the end, the best international travel insurance is the one that meets all of these criteria. If you are looking for travel insurance international policies that cover all of the above and do not break the bank, check out ACKO’s Travel Plans. It offers full coverage in 150 countries.
Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.
*₹10 per day - Baggage cover for Asia costs ₹49 for up to 5 days.
Travel Insurance for Popular Destinations
Acko Technology & Services Private Limited
#36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka 560102
Acko Group Companies:
Download our ACKO app now!
Products
Company
Support
Car Insurance
Bike Insurance
Health Insurance
- Health Insurance
- Health Insurance Plans
- 10 Lakhs Health Insurance
- 50 Lakhs Health Insurance
- 1 Crore Health Insurance
- Health Insurance Plans For Family
- Individual Health Insurance
- Cashless Health Insurance
- Women's Health Insurance
- Health Insurance For Parents
- Health Insurance For Children
- Health Insurance For Senior Citizens
- Health Insurance Premium Calculator
- Waiting period in health insurance
- Health Insurance Portability
- Super Top Up Health Insurance
Group Health Insurance
Travel Insurance
CIN: U74110KA2016PTC120161
The use of images and brands are only for the purpose of indication and illustration.