International Travel Insurance

Overseas Travel Insurance at Affordable Prices

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Travelling to a foreign land can be the perfect way to rejuvenate your mind, body, and soul. It can offer you an escape from the humdrum routine and provide you with exciting experiences. However, every trip comes with a certain degree of uncertainty and risk. Whether it's a missed flight, lost baggage, or a medical emergency, unforeseen circumstances can derail your overseas travel plans and affect your peace of mind. That's where ACKO's International Travel Insurance Cover comes in.

We understand that unexpected events can happen at any time, and thus, it's important to be prepared. Our international travel insurance policy offers you comprehensive coverage for various situations, such as medical emergencies, trip cancellations, lost baggage, and more. With our cheap overseas travel insurance policy, you can travel peacefully, knowing that you're protected against financial losses that may arise due to such events.

At ACKO, we are committed to being your all-in-one insurance partner for all your international trips. Our overseas travel insurance from India is designed to provide you with a hassle-free and worry-free travel experience. So, the next time you plan an international trip, make sure to pack ACKO's Foreign Travel Insurance along with your passport and travel essentials.

What is international travel insurance?

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, adventure sports injury, booking denial, and more in your International travel insurance plan to further enhance the coverage.

A wide range of coverages is available under our foreign travel insurance. 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.

Who should buy international travel insurance?

International travel insurance is recommended for anyone planning to travel abroad. It is particularly important for individuals who want to ensure financial protection and receive necessary assistance while travelling outside their home country. Here are some groups of people who should consider buying international travel insurance.

Senior citizens

Elderly individuals planning international trips should consider purchasing foreign travel insurance tailored to their specific needs. It can provide coverage for age-related health issues and medical emergencies that may arise during the trip.

Adventure travellers

If you plan to engage in adventurous activities such as hiking, skiing, scuba diving, or extreme sports during your international trip, overseas travel insurance becomes even more essential. It covers medical expenses resulting from injuries sustained during such activities.

Business travellers

Individuals travelling abroad for work-related purposes should have international travel insurance. It provides coverage for trip cancellation, trip interruption, loss of passport, and other unforeseen events that can disrupt work plans.

Why do I need International travel insurance for my international trips?

If you’re planning to travel abroad without a travel insurance policy, 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.
Cost of medical facilities and treatments can be up to 8 times higher in foreign countries.
You may miss your flight for some reason.
Your flight may be delayed for some reason.
Many people become victims of travel scams on international trips, resulting in loss of travel funds.

Note: The above listed information has been gathered from multiple sources. Thus, we make no claims as to the completeness or accuracy of the information provided.

Importance of international travel insurance

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

Mandatory requirement in some countries

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, Australia, etc.

Expensive medical services

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

Potential loss of baggage

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

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

Financial Emergency Cash

Losing your travel money can be stressful, so we can send you up to a certain amount from your friends and family in India to help you survive while you are away.

Emergency support

International travel insurance provides assistance and emergency support services, ensuring help in unfamiliar situations. With access to helplines and travel concierge services, you receive guidance, medical aid, and peace of mind during your trip abroad. In a nutshell, a foreign travel insurance plan with the right coverages can be your financial protective shield while travelling to foreign countries.

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

ACKO’s International Travel Insurance Plan: Key features

We offer a one-stop solution to all your trip insurance needs. Have a look at the key features of an ACKO International Travel Insurance Policy you can benefit from.

ACKO features	International travel insurance benefits
Illness Medical Expenses Reimbursement	Inpatient and outpatient care for illnesses and medical issues are covered.
Accident-Related Medical Expenses Reimbursement	Financial protection for injuries resulting from accidents.
Adventure Sport Caused Injuries	Coverage for hospitalisation costs due to injuries from adventure sports.
Missed Flight	Coverage against missing a booked flight.
Delayed Flight	Coverage for flight delays and cancellations.
Baggage Delay/Loss	Coverage against delayed or lost checked-in baggage while travelling.
Trip Rescheduling/Cancellation	Covers expenses due to flight rescheduling or cancellation for valid reasons.
Trip Cancellation due to COVID-19	Covers unrecoverable costs due to trip cancellation related to COVID-19 hurdles.
COVID-19-Related Hospitalization	Medical expenses covered if the insured contracts COVID-19.
Loss of Passport	Covers the cost of obtaining a duplicate passport or emergency certificate after losing the original while travelling.
Loss of Travel Fund	Assistance in retrieving funds from relatives in India, up to a certain limit.

Benefits of ACKO’s International Travel Insurance policy

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 an international travel insurance policy can be beneficial for you.

Worldwide coverage

We 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.

Affordable policies

Looking for an affordable international travel insurance policy that won't break the bank? Look no further! With ACKO, you can get comprehensive coverage at a wallet-friendly cost. In fact, our basic, cheap travel insurance plans starts at just Rs. 49 for a five-day travel period, which works out to be roughly Rs. 10 per day.

Hassle-free claims

There’s no need for lengthy paperwork involved in the process of raising claims with us. In fact, we provide almost instant claim settlement for certain claims such as trip cancellation, trip delay, etc.

Safety against flight/baggage issues

We offer International travel insurance policies that 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

You may not want to buy all the coverages available out there. Rather, you may want a policy suitable for your age, destination, number of travellers and other parameters. Hence, we offer you the ability to customise your international travel insurance plan as per your needs.

Useful where insurance is mandatory

Buying a travel insurance policy may be a mandatory requirement where you are planning to visit. For instance, countries like Schengen countries, United Arab Emirates and others have made it compulsory for Indian tourists to possess one. By buying international travel insurance online, you get to fulfil this requirement easily.

Worry-free international trips

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

Zero deductibles/No co-pay

You don't have to fret about paying anything out of your own pocket while submitting a claim. We've got you covered! We provide cheap travel insurance abroad with no extra fees after you've paid the minimal premium.

Round-the-clock assistance

When you're in a foreign country, the time zone may be vastly different from India. But don't worry; we are here for you! Our 24x7 assistance service is always available and ready to help you with any claim-related queries or issues you may have. Whether you're near or far, you're always just a phone call or text message away from getting the assistance you need.

COVID-19-related hospitalisation

The risk of contracting COVID-19 is still a pressing concern, as it is still widespread in some parts of the world. Even with the appropriate safety measures in place, there is still a risk of infection. Thus, we offer international travel insurance with COVID coverage. So, you can travel without worry as all of your COVID-19-related hospitalisation costs will be covered.

What’s covered under ACKO International Travel Insurance?

Here are some of the major international travel insurance covers available with the ACKO Travel Plan.

Medical expenses

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

Flight delays/cancellations

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 you have to cancel your pre-booked flight.

Baggage loss/delay

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

Trip rescheduling/cancellation

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

Adventure sports injury

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. Our overseas travel insurance plan covers adventure sports injuries.

Personal liability

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

We make sure that the cost of travelling doesn’t stop your family member from being by your side in case you are hospitalised in a foreign land. Our compassionate visit cover takes care of the cost of travelling from your hometown to the place of hospitalisation.

Death and repatriation

In the unfortunate event of the insured person’s demise while travelling, we 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

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

Travel fund loss

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, we will obtain emergency funds from your relatives per your policy.

Trip cancellation due to COVID-19

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. Our International Trip Insurance covers flight charges

What’s not covered in ACKO's Overseas Travel Insurance?

Like all other policies, an international travel insurance plan also has some exclusions. Here is a list of some of the key exclusions of a trip insurance policy.

Travel exclusions

The following are the major travel exclusions of international travel insurance coverage.

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 overseas to overseas.

Legal exclusions

The following are the major 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.

Medical exclusions

The following are the major medical exclusions of an international travel insurance plan.

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.

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

To buy the best international travel insurance policy, you need to consider the following parameters.

Choose a suitable sum insured

When considering international travel insurance costs, it's crucial to assess if the sum insured will be sufficient to cover your financial losses in extreme emergencies. For instance, if you desire coverage for accidents, ensure the sum insured is large enough to handle the associated costs. This prevents the need for out-of-pocket expenses, providing comprehensive financial protection.

Select covers that match your needs

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. And that is exactly what ACKO offers. We let you customise your travel policy, so you only pay for the covers you want.

Understand the claim process

At ACKO, we recognise the significance of a seamless claim experience. Our dedicated team provides expert assistance and guidance throughout the claims process. With a digital mode for raising claim requests, you can conveniently initiate and track your claim from anywhere in the world. We strive to ensure a quick and hassle-free resolution, offering you peace of mind and reliable support during unforeseen circumstances while travelling.

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 Delays for all legs of the journey is covered (excluding rescheduling)	Covers delays over 12 hours Reimbursing upon bill submission Only on return trip; one claim per policy
Trip Cancellation	Minimum 2-day hospitalisation Includes pre-existing diseases.	Minimum 3-day hospitalisation Pre-existing diseases are not included
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 every layover	Only on return journeys Limited to one claim only
Delay/loss of checked-in luggage	No bill needed Checked-in luggage delays over 3 hours Fixed payout	Bills needed Covers checked-in luggage delays over 6 hours Indemnity payout
Denied boarding/check-in (Bounced booking)	Covers any reason	Covers bookings made 7+ days from departure/hotel arrival
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

How to buy international travel insurance online from ACKO

Wondering how to get travel insurance for abroad travel from ACKO? Well, you can buy international travel insurance online from ACKO by following these simple steps.

Step 1: Visit ACKO’s website or mobile app.

Step 2: Select “Travel” and choose the countries you are planning to visit.

Step 3: Select the travel destination, the start and end dates of your trip, and details of your travelling companions.

Step 4: Customise the policy as per the covers you need.

Step 5: Fill out the fields with your personal information and the information of your fellow travellers.

Step 6: A quote will be generated. Pay the fees online to receive your international travel insurance coverage right away.

Claim process for ACKO International Travel Insurance Plan

Here are the simple steps you can follow to raise international travel insurance claims against your ACKO International Travel Policy.

Step 1: Dial 01246174722 and leave a missed call. Or, you can email your claim request to [email protected].

Step 2: Send the required documents via email so that we can begin the process.

Step 3: Just relax and let us take care of the rest.

Please note that the turnaround time of claim settlement will depend on the type of claim request and associated complexity.

International travel insurance plan: Claim documents

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

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/signed claim form obtained from us
Letter from the common carrier stating the reason and duration of delay/cancel
Property Irregularity Report (PIR)
Letter from the Airlines 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 a 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, 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.

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.

Research insurance providers

Look for reputable insurance companies that offer international travel insurance. Consider their reputation, customer reviews, and financial stability. You can search online, ask for recommendations from friends or family, or consult with a travel agent.

Compare policy coverage

Review the coverage provided by different insurance policies. Pay attention to the limits, exclusions, and deductibles associated with each type of coverage. Ensure that the policy covers your destination(s), duration of travel, and activities you plan to engage in.

Assess medical coverage

Medical expenses can be substantial when you're abroad, so it's crucial to have adequate coverage. Evaluate the policy's coverage for medical emergencies, hospitalization, doctor's visits, prescription drugs, and emergency medical evacuation. Also, check if pre-existing conditions are covered.

Consider trip cancellation and interruption coverage

If your trip gets canceled or interrupted due to unforeseen circumstances, such as illness, natural disasters, or other emergencies, you'll want coverage for reimbursement of non-refundable expenses. Compare the coverage limits, exclusions, and valid reasons for trip cancellation or interruption.

Evaluate baggage and personal belongings coverage

Check the policy's coverage for lost, stolen, or damaged baggage and personal belongings. Note the maximum coverage limits and any specific exclusions or conditions that apply.

Review emergency assistance services

Look for insurance policies that provide 24/7 emergency assistance services. These services can assist you in medical emergencies, offer travel-related advice, and help with travel document replacement or legal assistance if needed.

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.

Read the policy documentation

Carefully read the policy documents, including the terms and conditions, to understand the coverage, exclusions, and claim procedures. Pay attention to any pre-existing condition clauses and any additional requirements or limitations.

Seek clarification

If you have any doubts or questions about the policy, contact the insurance provider directly. Seek clarification on any unclear terms or conditions before making a final decision.

How is international travel insurance premium calculated?

Here are the main factors that contribute to calculating the premium for an international travel insurance policy.

Risk in the destination country

Usually, the policy’s price is based on the level of risk present in the country being visited. If the destination has a higher risk of illness or injury, the premium will be higher.

Duration of travel

As expected, the longer the trip, the higher the cost of insurance. Longer trips increase the likelihood of unexpected events occurring and thus increase the insurer's risk.

Insured person's age

The policy premium also takes into account the age of the individual being insured. Typically, younger individuals have lower premiums compared to older individuals.

Number of individuals covered

If more people are covered under the policy, the premium will be higher. Insuring multiple individuals increases the insurer's risk.

Additional coverage

Many international travel insurance policies offer optional add-ons that provide specific coverages. The premium charged for the policy increases with each add-on selected.

Geographical coverage

The premium for international travel insurance also depends on the geographical coverage provided by the policy. The cost may vary based on the regions or countries included in the coverage.

Things to remember on your international trip

Here are a few things you should remember when travelling outside the country.

Avoid carrying too much cash and use ATMs at safe locations to withdraw cash.
Keep your cash in different places, such as some in your wallet, some in your backpack, etc.
Reach the airport more than an hour in advance, so you will have enough time to complete all the security formalities.
Use known modes of transportation and avoid using any random vehicle as a cab.
Leave the important original documents in your hotel room and carry copies with you for identification purposes.

Frequently Asked Questions

Here are a few frequently asked questions about international travel insurance India.

What are the age criteria for receiving ACKO International Travel Insurance Policy?

Age requirements for being eligible to receive ACKO International Travel Insurance include being over 91 days old but under 70 years old.

Can I get COVID-19 cover with international travel insurance at ACKO?

Yes, ACKO offers COVID-19 coverage with an international travel insurance policy. This coverage includes the expenses associated with the hospitalisation. If you opt for trip cancellation, this coverage will cover situations when you have to cancel your trip due to COVID-19.

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 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.

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.

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?

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

How to generate a travel insurance quote with ACKO?

To generate a travel insurance quote with ACKO, visit their website or download the app. Enter your destination, travel dates, number of travellers, and their ages. Provide additional details as requested. ACKO will calculate the premium and display the quote. Review and purchase the policy if satisfied.

Is travel insurance mandatory for foreign trips?

A travel insurance policy is a requirement for all applicants for visas, with the exception of a few nations. For example, the 26 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..

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.

International Travel Insurance

Here are a few frequently asked questions about international travel insurance India.

What are the age criteria for receiving ACKO International Travel Insurance Policy?

Can I get COVID-19 cover with international travel insurance at ACKO?

Can I buy international travel insurance for my business trip abroad?

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

Can I purchase international travel insurance after booking my flight?

Can I purchase travel insurance abroad?

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

How to generate a travel insurance quote with ACKO?

Is travel insurance mandatory for foreign trips?

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