ResourcesExplore the full ACKO experience and make the most of your plan
1800 266 2256

International Travel Insurance

Ensure a safe trip with a international travel insurance plan.

Tell us a bit about your upcoming journey.

International Travel Insurance

Home / International Travel Insurance

When you feel that your everyday life is getting a bit monotonous, travelling to a foreign land can make you feel alive again. You get to explore new places and have fun along the way. But travelling is not just about where you go, but how you go there and the experiences you come across on that journey. 

While we all want everything to go as planned on a trip, things can go wrong. You can come across bad experiences that may not only affect your physical and mental state but harm your financial condition as well. Hence, insuring your trip with International Travel Insurance is never a bad idea.

What is International Travel Insurance?
Jump Tag Icon

An International Travel Insurance plan protects you financially in situations like medical emergencies, losing checked-in baggage, missing a flight, and other crisis-like situations. Also, you can include add-ons such as accidental insurance, home insurance, loss of cash and more in your overseas travel insurance plan to further enhance the coverage. 

A wide range of coverages is available under the International Travel Insurance plan. You can buy a plan for your solo trip or get your loved ones covered in a single policy while going on a family vacation. In fact, you can even customise coverage inclusions to buy a policy that will serve your specific needs on a foreign trip.

Why do I need Travel Insurance for my international trips?
Jump Tag Icon

If you’re planning to travel abroad without a Travel Insurance Policy, have a look at these critical points.

Importance of International Travel Insurance
Jump Tag Icon

In case you are wondering whether to buy foreign travel insurance or not, the following points will give your clarity.

Mandatory requirement in some countries
Jump Tag Icon

You may be planning a trip to a country where travel insurance is mandatory for tourists. Some of these countries include Schengen Countries (26 European countries), the United Arab Emirates, the United States of America, etc.

Expensive medical services
Jump Tag Icon

The cost of medical treatments and consultation may be higher in a country you are planning to visit. So, having foreign travel insurance on an international trip makes sense to cover the costs of such medical intervention if required.

Potential loss of baggage
Jump Tag Icon

There is a chance of your baggage getting misplaced by the airline. A delay or loss of your luggage would increase your trip’s expenses. But you can protect yourself from this financial loss by starting your trip with an insurance plan that covers such losses.

Missed flight or delayed/denied boarding
Jump Tag Icon

Missing your flight or even delayed/denied boarding can cause financial loss. You may end up paying for new flight tickets, hotel bookings and other reservations. Thankfully, you can cover these costs by purchasing an International Travel Insurance plan.

Losing your money or passport
Jump Tag Icon

In the unfortunate event of losing your travel funds, passport or other valuable belongings, you can rely on insurance coverage. An overseas trip insurance policy can offer reimbursements for the loss of valuable belongings.

In a nutshell, a foreign travel insurance plan with the right coverages can be your financial protective shield while travelling to foreign countries.

International Travel Insurance plan: Key features
Jump Tag Icon

Have a look at the key features of International Travel Insurance you can benefit from.


International Travel Insurance benefits

Accidental cover

Covers the cost of hospitalisation and daycare treatments required after an accident while travelling.

Medical emergency cover

Covers the expenses related to illness and other medical emergencies that require immediate hospitalisation as per the policy terms.

Adventure sports cover

Coverage for the hospitalisation cost after getting injured while participating in an adventure sport.

Flight delay/cancellation cover

Coverage against the delays and/or cancellation of a booked flight.

Baggage delay/loss cover

Coverage against the delay and/or loss of checked-in baggage while travelling.

Trip rescheduling/cancellation cover

Covers the loss and/or added expenses as a result of rescheduling or cancelling a trip due to a valid reason. 

COVID-19 quarantine cover

Covers any unrecoverable expenses in case of trip cancellation due to COVID-19.

Loss of passport cover

Covers the cost involved in getting a duplicate passport after losing the original while travelling.

Loss of travel fund cover

Covers the loss, robbery, and/or theft of travel funds.

Benefits of an International Travel Insurance policy
Jump Tag Icon

While travelling overseas, certain situations can drain your money. But buying a foreign travel insurance policy can save you from unwanted financial losses. Have a look at the following points to understand how overseas travel insurance can be beneficial for you.


Worldwide coverage
Jump Tag Icon

Insurance companies provide travel coverage for almost all countries around the world. When buying a policy, you can pick one or more countries to cover your whole journey with a single insurance plan.


Hassle-free claims
Jump Tag Icon

There’s no need for appointment booking or lengthy paperwork involved in the process of raising claims nowadays. In fact, several insurers offer almost instant claim settlement for certain claims such as trip cancellation, trip delay, etc.


Emergency assistance while travelling
Jump Tag Icon

You can inform your insurer about an emergency, such as the loss of travel funds, and receive immediate assistance. From digital platforms and mobile apps to customer care numbers, there are many ways you can obtain emergency assistance while travelling abroad.


Safety against flight/baggage issues
Jump Tag Icon

Most International Travel Insurance policies include flight and baggage-related covers along with medical coverage. So, you can insure yourself against situations like loss/delay of checked-in baggage, flight cancellation/delay, flight hijack, etc.


Ability to customise
Jump Tag Icon

You may not want to buy all the coverages available out there. And you might want a policy suitable for your age, destination, number of travellers and other parameters. Hence, you need to search for an insurance company that lets you customise your International Travel Insurance plan as per your needs.


Useful where insurance is mandatory
Jump Tag Icon

Buying a Travel Insurance policy may be a mandatory requirement where you are planning to visit. Countries like Schengen countries, United Arab Emirates and others have made travel insurance compulsory for tourists. By buying an online policy, you get to fulfil this requirement easily.


Worry-free international trips
Jump Tag Icon

When you are covered against all major potential adversities with a reliable policy, it makes your international trips worry-free.


Zero deductibles
Jump Tag Icon

No need to worry about paying anything from your pocket when filing a claim. Some of the insurers offer zero deductible features for travel insurance claim settlement.

What’s covered under International Travel Insurance?
Jump Tag Icon

Here are some of the major International Travel Insurance covers available with a travel insurance plan.

Medical expenses
Jump Tag Icon

Medical emergencies can arise while you are travelling and cost a lot of money. In such situations, your foreign travel insurance policy can cover medical expenses related to an illness, accident, and any other life-threatening medical condition requiring hospitalisation or daycare treatment. 

Flight delays/cancellations
Jump Tag Icon

In case your flight gets delayed beyond a period, as mentioned in your policy, you will receive a reimbursement. Similarly, a reimbursement amount will be issued in case your pre-booked flight gets cancelled.

Baggage loss/delay
Jump Tag Icon

There is a possibility that an airline might misplace your checked-in luggage, which can cause a delay or lead to baggage loss. The right policy can cover you financially in such situations and provide reimbursements for the resulting costs.

Trip rescheduling/cancellation
Jump Tag Icon

It’s no news that international flights are really expensive. So, rescheduling or cancelling your flight tickets is costly. Trip rescheduling and trip cancellation covers can help you save money in such scenarios. The coverage takes away the financial burdens in case you reschedule or cancel your trip due to an unavoidable situation like COVID-19 quarantine, etc.

Adventure sports injury
Jump Tag Icon

Certain destinations around the world are known for adventure sports. And, if you are a daredevil, you would want to try them out. In that case, you must choose a certified service provider to ensure your safety. Plus, purchase a travel insurance plan that covers adventure sports injuries.

Personal liability
Jump Tag Icon

What if you involuntarily cause third-party injury, death or property damage within your travel duration? Here, the personal liability coverage will take care of the resulting financial obligations.

Compassionate visits
Jump Tag Icon

The cost of travelling shouldn’t stop your family member from being by your side in case you are hospitalised in a foreign land. A compassionate visit cover can take care of the cost of travelling from your hometown to the place of hospitalisation.

Death and repatriation
Jump Tag Icon

In the unfortunate event of the insured person’s demise while travelling, this cover can look after the expenses related to their cremation and transportation of the mortal remains from the place of death to the family in India.

Passport loss
Jump Tag Icon

Your passport is probably the most important identification document when you are travelling abroad. So, you can’t afford to lose it. But, if it happens, then you will have to apply for a duplicate document to avoid legal complications. In such a situation, a passport loss cover will reimburse you for the money spent on a duplicate passport.

Travel fund loss
Jump Tag Icon

Travel scams have become pretty common in many tourist destinations. So, you need to be aware of the possibility of loss or theft of money while travelling abroad. If you lose your money, the travel fund loss cover can be helpful. You will obtain emergency funds as per your policy terms in such situations.

Trip cancellation due to COVID-19
Jump Tag Icon

A COVID-19 positive report can restrict you from boarding flights due to quarantine restrictions. This can result in the loss of money on booking cancellations and extension of your hotel stays in a country. International Trip Insurance provides coverage against such unrecoverable costs based on the terms of your policy.

Home insurance
Jump Tag Icon

You can even include home insurance coverage in your travel insurance plan. This cover offers coverage against fire, burglary and other events while you are on an international trip.

What’s not covered in International Travel Insurance?
Jump Tag Icon

Like all other policies, an International Travel Insurance plan also has some exclusions. Here is a list of some of the key exclusions of an overseas trip insurance policy. 

Travel exclusions

The following are the major travel exclusions of International Travel Insurance coverage.

Legal exclusions

The following are the major legal exclusions of an International Travel Insurance plan.

Medical exclusions

The following are the major medical exclusions of an International Travel Insurance plan.

Note: Please read your policy document to get an exhaustive list of all the inclusions and exclusions of your plan.

How to buy the best International Travel Insurance online
Jump Tag Icon

To buy the best International Travel Insurance policy, you need to consider the following parameters.

Choose a suitable sum insured
Jump Tag Icon

The sum insured is the maximum amount you can receive as a claim settlement for a policy. While going through International Travel Insurance costs, assess if the sum insured will be enough to cover your financial losses in the most extreme emergencies. If not, then you will end up paying money from your pocket. For example, if you want accidental coverage in your travel insurance, the sum insured should be large enough to cover the costs in such a crisis.

Select covers that match your needs
Jump Tag Icon

When you compare International Travel Insurance plans, pay attention to the covers that align with your needs. You shouldn’t buy coverage that seems unnecessary to you. Ideally, it would be best to have the ability to customise a policy based on your unique travel needs.

Understand the claim process
Jump Tag Icon

You should be getting expert assistance and a digital mode of raising claim requests from anywhere in the world.

International Travel Insurance Plan: Claim documents
Jump Tag Icon

The following are the main documents required at the time of raising claim requests for an International Travel Insurance policy. However, there may be more documents needed depending on your claim.

Claim documents for medical cases
Jump Tag Icon

Claim documents for non-medical cases
Jump Tag Icon

Countries where Indians can get visa on arrival
Jump Tag Icon

Here is a list of countries where Indian citizens are allowed to enter with a visa on arrival.




Maldives, Indonesia, Thailand, Jordan, Iraq, Bhutan, Timor-Leste, Nepal, Macau, and Laos


Kenya, Tanzania, Ethiopia, Togo, Mauritius, Cape Verde, Togo, Comoro Islands, Mozambique, Madagascar, Guinea-Bissau, Uganda, and Seychelles

North America

Jamaica, British Virgin Islands, Trinidad and Tobago, Montserrat, St Kitt and Nevis, Nicaragua, Haiti, Grenada, Turks and Caicos, St Lucia, St Vincent and the Grenadines

South America

Dominica, Bolivia, Ecuador, and Guyana


Samoa, Fiji, Cook Islands, Tuvalu, Cook Islands, Palau, Micronesia, Vanuatu, Niue, and El Salvador

Frequently Asked Questions
Jump Tag Icon

Here are a few frequently asked questions about International Travel Insurance in India.


What are the eligibility criteria for International Travel Insurance in India?

International Travel Insurance plans are offered to Indian citizens travelling outside India. People of almost all age groups can obtain coverage. However, the exact criteria may differ from one insurer to another. 

Can I buy International Travel Insurance for my business trip abroad?

Yes, you can purchase International Travel Insurance to cover your leisure as well as business trips. 

Does an Indian need travel insurance to visit one of the Schengen countries?

Yes, all Indians are required to produce a valid policy for International Travel Insurance in order to obtain a visa for one or more Schengen countries. 

Can I purchase International Travel Insurance after booking my flight?

Yes, you can purchase International Travel Insurance after booking your flight. But you must do it before beginning your journey. Also, remember that the coverage will be for the events commencing within the policy period only. 

I’m planning to travel to multiple countries in a single trip. Will I need separate travel insurance policies for each country?

No, you can include all the countries you are planning to cover in a single trip in one policy. 

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.