Whether you’re on a relaxing holiday, an important business trip, or a solo adventure, you might face trip delays, baggage loss, or medical emergencies. A travel insurance policy acts as a safety net against such unexpected medical and trip-related emergencies. So, explore ACKO’s travel insurance plans, designed to meet the needs of all kinds of travellers, be it solo adventurers, families, seniors, or children. Find the perfect coverage for your journey with us now!
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Travel Insurance
Travel insurance is a type of insurance policy that protects you against a variety of financial emergencies while travelling abroad. For example, if your flight gets delayed, your trip is cancelled, or your baggage is lost, a travel insurance policy will provide financial coverage against such situations.
ACKO Travel Insurance policies will provide coverage for:
Fact: Over 1,02,000 Indians chose ACKO’s travel insurance last year, with baggage delays accounting for nearly one in every four claims.
You can easily buy travel insurance online with ACKO. Some of the key facts about travel insurance are given below:
| Parameter | Specifications |
| Starting Price | ₹8/day* (Affordable coverage for every budget) |
| Age Eligibility | 90 days to 70 years |
| Countries Covered | Over 200 countries and islands outside India |
| Duration of Coverage | 1 day to 180 days |
| Covered Benefits | Trip cancellations, Hospitalisation, Accidental emergencies, Adventure sports, Baggage loss, Death, Passport loss, Emergency Evacuation & Repatriation |
| Add-ons | Booking Denial and Adventure Sports Injury |
| Claim Process | Simple online travel insurance claim process for quick and easy claims |
| Claim Settlement Time | Typically processed and settled within 24 hours |
| Claim Settlement Ratio | 98% |
| Time to Purchase | Instant travel insurance online option—get insured in minutes |
| 24*7 Customer Support | Call us on 18338138772 (for US) or email at [email protected] |
A trip abroad requires a lot of expenses, but with a travel insurance plan, you can secure your trip. Here are some features of ACKO travel insurance plans that you should know:
With our network of hospitals worldwide, you can enjoy the convenience of cashless hospitalisation benefits no matter where you are. And if needed, we also offer reimbursement options under our plans.
You won't need to undergo a medical screening before purchasing our travel insurance, so you can get travel insurance without any delays or hassles.
When you make a claim with ACKO, you don’t have to worry about paying anything upfront. We directly settle the eligible expenses, ensuring your travel insurance coverage works seamlessly when you need it the most.
Are you worried about travel insurance costs? At ACKO, we provide basic travel insurance plans starting at just ₹8* per travel day. This is perfect for those looking to purchase travel insurance without breaking the bank.
When a claim is filed with ACKO, we start working on the claim process right away. We process the claim fast, without any hassles or delays, so that you can go back to enjoying your trip.
We know that every traveller is different. Whether you’re a student, a senior, a solo traveller, or going with your family, our online travel insurance plans can be customised to suit your needs.
Here are the common travel insurance plans available in India:
International travel insurance covers international trips and offers protection against medical emergencies, lost luggage, flight delays, and more. If you're travelling outside India, this is the travel insurance policy you should consider.
Travelling within India? Domestic travel insurance plans provide coverage for cancellations, missed connections, and other mishaps so you can enjoy peace of mind while exploring India.
If you’re going on a one-time journey, single-trip insurance ensures that you’re protected from start to finish. It protects you for a certain amount of time, usually from the day you leave home to the day you come back. What is great is that it protects you from things that could go wrong during that trip. It includes medical, trip, and baggage-related covers under one comprehensive travel insurance umbrella.
Frequent flyers will love the convenience of a multi-trip travel insurance plan. It saves time and money by covering all your trips within a specified period without the need to buy travel insurance online every time. It is also a cost and time-saver plan for frequent travellers.
Travelling with family? This plan covers all your loved ones under one family travel insurance. From kids to seniors, everyone gets financial protection while travelling.
Perfect for corporate travel or group vacations, group travel insurance simplifies the process by offering a single policy that protects all members during the trip.
For those going on work trips, a business travel insurance plan offers protection against common risks like flight delays, baggage loss, and medical emergencies while keeping your business goals on track.
Heading abroad for education? Student travel insurance ensures you're protected against medical emergencies, passport loss, study interruptions, and more, because focusing on your future shouldn’t come with worries.
This plan is for our experienced travellers and takes into account their age-related concerns, giving them peace of mind while they travel. Senior citizen travel insurance covers all the benefits of regular travel insurance. However, the quotes for senior citizens are much higher than regular plans.
Anyone going to a Schengen country must have Schengen travel insurance for a Schengen visa. The Schengen area is made up of 29 countries, and most people from outside Europe need a valid visa to enter. You can move visa-free to all 29 countries. The benefits are similar to those of overseas travel insurance, and it is one of the best plans for people going to those areas.
When it comes to choosing the right travel insurance, it’s important to know what sets ACKO apart from the rest. Some of the benefits of ACKO travel insurance plans are listed below:
Get coverage for any unexpected medical emergency that might disrupt your trip. From covering hospital expenses to doctor consultation to daily hospital allowance, ACKO travel insurance plans provide adequate coverage to deal with any unexpected hospitalisation.
With ACKO, you can choose between a Standard and Comfort travel insurance plan. While the Standard policy provides basic coverage, the Comfort policy provides extra coverage for your trip.
When you buy a travel insurance policy with ACKO, you can customise the policy with available add-ons. Two add-on options are available: Delayed Booking and Adventure Sports Injury Cover. Please remember that these add-ons are available at higher premiums.
Whether you want to change your travel date details or cancel the policy before the trip starts, you can do it all on the ACKO app with a few simple clicks.
The claim process at ACKO is very simple and convenient. You can raise a claim directly from the ACKO app and submit the relevant documents. Moreover, ACKO also has a high claim settlement ratio of 98% which means that your claim settlement with us won’t be a worrisome task.
No matter if it’s a query about your existing travel insurance plan or it’s related to a new policy, our customer support team will always be there to assist you. You can reach out to the team via email or call.
Here’s a side-by-side comparison of some of our standout offerings:
| List of Benefits | ACKO Travel Insurance | Other Insurers |
| Accidental and Illness IPD | No extra charges for consumables, no limit on room rent, or an SI limit on dental treatments | Additional charges apply for consumables, capping on room rent and limited SI for dental care. |
| Flight Delay | Fixed payout for flight delays, excluding rescheduling. | Covers delays over 12 hours with reimbursement upon bill submission. Applies only on the 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. 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.) The first flight should have taken off | Only on missed connecting flights |
| Missed Connecting Flight | Covers all missed connecting flights | 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 are needed for 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 |
Here’s what your travel insurance covers when things don’t go as planned:
While it’s unpleasant, accidents can happen while travelling abroad. If you are accidentally injured during your trip and require medical treatment, resulting in hospitalisation, we will cover the expenses up to the policy's maximum limit travel medical insurance.
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 hospitalisation expenses are reimbursed up to a policy limit under travel insurance.
If you are hospitalised due to illness or injury while you are travelling, your daily allowance will be covered for a certain number of days, up to the policy's limits and terms, as per your travel insurance policy.
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.
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.
It covers the cost of two-way tickets for a family member to visit the insured person's place of hospitalisation during the travel period.
If you experience a catastrophic event while travelling, you may need emergency evacuation. Your travel medical insurance reimburses the expenses for transporting the insured person by air or land during the travel period.
An accident (that has occurred overseas) during the travel period solely and directly results in the insured person’s death within 365 days from the date of the accident, will be covered as per the travel insurance policy.
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.
In case of the insured's unfortunate demise due to injury or illness suffered while travelling, we will repatriate the mortal remains from the location of death to the person’s home, as per travel insurance policy terms.
If the insured person needs to stay in a hotel due to a medical emergency, we will pay for it up to the amount specified in the travel insurance or travel insurance policy.
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, we will pay you a lump sum as per the travel insurance policy.
Losing your luggage entirely can be a huge problem while travelling. Our travel insurance India plan provides a fixed payment for your checked-in baggage's partial or total loss.
We believe that even a small loss is still a loss. We will pay the amount listed in the policy schedule if any of the following things happen:
If your booked flight is delayed beyond the specified number of hours in the policy schedule from the scheduled departure or arrival time, your travel insurance will reimburse you as per the limits.
If you face flight cancellation for reasons beyond your control due to an unavoidable reason like an accident or hospitalisation, we will reimburse you the costs as per the terms of our insurance plan.
What if you miss a connecting flight due to the delay of the first flight? Our travel insurance policy covers such situations by covering the cost of booking a new flight within the policy's terms.
If you have to reschedule a flight because of an accident, illness, or any other reason listed in our policy, your travel insurance coverage will pay up to the limit of the plan for booking a new flight.
What if you lose a connecting flight due to the delay of the first flight? Our travel insurance policy covers such situations by covering the cost of booking a new flight within the policy's terms.
Losing a passport in a foreign country can put you in serious trouble. Our travel insurance policy will cover the application fees and documentation expenses for you to get a duplicate one.
If you're into adventurous activities, our holiday insurance or travel insurance plans offer coverage for hospitalisation caused by such activities.
If you are denied boarding a flight or hotel check-in, we will cover the cost of rebooking under the insurance plan. This is included as an optional benefit in our travel insurance policy, so you don’t end up paying extra for unexpected inconveniences.
Even though travel insurance covers many risks, certain situations are excluded. Here's what’s not covered under our travel insurance policy:
❌ Travelling to a country without a valid visa.
❌ Extending your stay in the country longer than your visa allows.
❌ Travelling to a country to obtain only medical treatment or consultation.
❌ Travelling despite a terminal medical prognosis.
❌ Travelling against the advice of your doctor.
❌ Trying to get travel insurance after leaving India, or if your trip doesn’t end in India.
❌ Any pre-existing disease and related complications.
❌ If a close relative prepares the disability report that is used to support a claim.
❌ Pregnancy-related concerns and associated medical procedures are not covered under travel insurance.
❌ Suicide, attempted suicide, or any self-inflicted injuries will not be covered under the travel insurance policy.
❌ Events that happen directly or indirectly because of drug use, alcohol, hallucinogens, or any other intoxicant.
❌ If the insured person is found guilty of breaking the law or participating in illegal activities like riots or crimes, travel insurance coverage may be void.
❌ Injuries resulting from participation in hazardous or extreme sports are not covered under the travel insurance plan.
*Note: This list is not exhaustive. It is crucial to read the fine print of your travel insurance policy document for a complete list of inclusions and exclusions.
ACKO covers you through every twist and turn of your journey, including COVID-19. Since the pandemic began, we've enhanced our travel insurance policy to include COVID-related incidents under our medical insurance benefits. Here is a full list of all the areas that our travel insurance plan covers, in case you are not sure:
If the insured person or their travel companion is diagnosed with COVID-19 and has to cancel their trip, we will reimburse you a non-refundable amount of your ticket costs. This benefit applies when you buy travel insurance from us and declare your trip details accurately.
If you or your travel companion is diagnosed with COVID-19 and has to cut the trip short, we will reimburse you an amount for the prepaid expenses of travel, which are non-refundable. This is part of our extended travel insurance benefits.
If you are hospitalised with COVID-19 outside India, we will cover medical expenses up to the limit specified in your travel medical insurance plan. This includes doctor visits, diagnostic tests, and inpatient treatment.
It is important for you to go through the basic requirements before buying a travel insurance plan in India. The requirements may vary, depending on the coverage you opt for with your travel insurance policy. However, these basic requirements would remain the same if you are buying a travel policy with ACKO.
Buying travel insurance online from ACKO is super simple and hassle-free. Here’s a quick step-by-step guide to help you get covered in just a few clicks:
Click here and choose your destination.
Specify your trip’s start and end dates
Pick the types of coverage you want
Provide details and pay the fee
An instant travel insurance policy will be generated and immediately sent to your email ID.
Filing a claim with ACKO is straightforward and quick. We understand that time is essential when dealing with travel mishaps, so we've made our travel insurance online claim process as smooth as possible.
Filing a claim doesn’t have to be stressful. Whether it’s a medical emergency or a delayed flight, ACKO has simplified the entire travel insurance claim process.
Take a look at this to understand the steps involved:
Do you need to adjust your travel plans? With ACKO, extending your travel insurance policy is just as simple as buying one. If your trip is unexpectedly extended, our process ensures uninterrupted coverage.
Follow these steps to extend your coverage:
Log in to the ACKO app using your registered mobile number.
Navigate to the ‘My Policies’ section and select your active travel insurance policy.
Tap the ‘Edit Policy’ option to update your travel dates.
Submit the changes. Based on the extended duration, pay any additional premium online.
Once the process is complete, a revised travel insurance document will be emailed to you instantly.
*Note: Always double-check the information before submitting, especially when you purchase travel insurance online, to avoid claim delays or rejections.
To purchase travel insurance, you must fulfill these criteria.
| Criteria | Details |
| Age | General policies usually cover ages 18–70, but limits may differ for student or senior-specific plans. |
| Nationality & Residence | Applicants must typically be citizens or legal residents of the country issuing the insurance. |
| Medical Conditions | Pre-existing health conditions must be declared. These may affect eligibility or result in higher premiums. |
| Trip Details | Information about the travel destination and the duration of the trip is required. |
| Timing | Insurance must be purchased prior to the start of the trip; it cannot be obtained once travel has commenced. |
The following are the documents needed to buy travel insurance:
These are the criteria to check your eligibility to buy travel insurance:
Travel insurance might look like an extra expense when planning your trip, but in reality, it can save you from massive financial shocks. By paying a small premium upfront, you protect yourself from unexpected costs that could run into thousands—or even lakhs—of rupees.
| Scenario | Without Travel Insurance (Avg. Real Cost) | With Travel Insurance (Your Cost) |
| Medical Emergency Abroad | $10,000 – $100,000+ (hospitalization, surgery, etc.) | $0 (covered under policy after deductible, if any) |
| Emergency Medical Evacuation | $50,000 – $200,000 (air ambulance, repatriation) | $0 (covered by insurance) |
| Trip Cancellation | Lose full trip value: $2,000 – $5,000 (non-refundable tickets, hotel bookings) | $0 (refund via insurance) |
| Trip Interruption (returning home early) | $1,000 – $3,000 (unused bookings + rebooking flights) | $0 (covered by insurance) |
| Lost/Stolen Baggage | $500 – $2,000 replacement cost | $0 (reimbursed by insurance) |
| Flight Delay / Missed Connection | $200 – $1,000 (extra meals, hotel stay, rebooking) | $0 (reimbursed by insurance) |
As a travel insurance buyer, you should aim to pay the lowest possible insurance premium to get maximum coverage. The following tips will help you reduce your travel insurance premium.
Here are the key factors to consider when comparing the best travel insurance India online:
Pay close attention to the'sum insured,' the maximum amount of coverage, when comparing travel insurance quotes. This vital information ensures that you have the necessary financial security for the trip. For instance, some countries will not give you a visa unless you can prove you have adequate coverage with your travel insurance.
It is important to compare the levels of protection offered by different policies when buying travel insurance. Think about what kinds of protections you might need on your trip and budget accordingly. In this way, you can ensure that you have adequate coverage for your trip that is specific to your needs.
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.
Claims are settled based on the applicable terms and conditions. Before choosing a travel insurance policy, take the time to understand the terms and conditions related to claim settlements. Knowing these terms in advance ensures you're well-prepared and informed about how claims are processed.
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.
Many countries around the world require visitors to have a valid travel insurance before they are allowed to enter. This is especially common in regions where medical treatment is expensive or where visitors are expected to have a safety net in place. Here's a list of countries where having travel insurance is mandatory:
| Country | Travel Insurance Requirement |
| Schengen Area (29 European countries) | EUR 30,000 (₹28,53,900) coverage that includes the entire Schengen nation |
| The United Arab Emirates | Travel insurance is required |
| Cuba | You need to get travel insurance if you want to visit Cuba |
| Turkey | Travelling to Turkey requires travel insurance. |
| Algeria | Travellers need to show proof of insurance that includes medical coverage |
| Aruba | You need to buy travel insurance |
| Seychelles | Required travel insurance |
| Moldova | Travellers must have adequate insurance |
| Morocco | Required travel insurance |
| Togo | Proof of travel insurance is required for entry |
| Jamaica | Travel medical insurance required |
| Georgia | Required travel medical insurance |
| Ecuador | Travel medical insurance is mandatory |
| Lebanon | Travellers must have travel insurance for entry |
Here are a few basic travel insurance terminologies that one must know before planning to buy travel insurance:
| Terminology | Definition |
| Premium | The amount you pay to the insurance company to purchase the travel insurance. |
| Policyholder/Insured | The person who buys the travel insurance. |
| Coverage | The specific protection or benefits provided by the travel insurance. |
| Policy Period | The duration for which the travel insurance is in effect usually starts from the departure date and ends on the return date. |
| Claim | Request for payment based on the terms of the travel insurance policy. |
| Trip Cancellation | Coverage for trip cancellation due to unforeseen events such as illness, injury, or natural disasters. |
| Trip Interruption | Coverage for non-refundable expenses incurred if your trip is interrupted or cut short due to covered reasons. |
| Trip Delay | Compensation for additional expenses resulting from a delayed departure, typically after a certain number of hours. |
| Baggage Loss/Delay | Compensation for lost, stolen, damaged or delayed baggage during your trip. |
| Medical Coverage | Covers medical bills if you get sick or hurt while travelling. |
| Emergency Medical Evacuation | Coverage for emergency transportation to the nearest medical facility or back home in case of a severe medical condition. |
| Pre-existing Condition | A medical condition that existed before purchasing the travel insurance, which may or may not be covered depending on the policy terms. |
| Deductible | The amount you are responsible for paying out of pocket before the insurance coverage kicks in. |
| Exclusions | Specific situations or events not covered by the travel insurance. |
| Inclusions | Specific situations or events covered by the travel insurance. |
| Hazardous Activities | Activities that are considered risky, such as extreme sports or certain adventure activities, may require additional coverage or be excluded from standard travel insurance. |
| Terrorism Coverage | Protection against trip disruptions or losses caused by acts of terrorism. |
| Missed Connection Coverage | Compensation for additional expenses incurred if you miss a connecting flight due to a covered reason. |
| Travel Assistance Services | 24/7 help for emergencies, hospital referrals, or rebooking through your travel insurance policy. |
| Proof of Loss | Documentation required to support a claim, such as police reports, receipts, or medical records. |
| Cancel for Any Reason (CFAR) | A coverage that lets you cancel your trip for any reason and get some of your money back. |
| Coverage Limits | The maximum payout allowed under your travel insurance for various benefits. |
There are several myths and misconceptions surrounding travel insurance that can stop travellers from getting the protection they need. Let’s debunk the most common ones so you can make better, informed decisions before you buy travel insurance.
Reality: This is far from the truth. Travel insurance doesn’t just cover medical emergencies. It also protects you against trip cancellations, delays, lost baggage, missed connections, and even passport loss.
Reality: Not at all. ACKO offers travel insurance plans starting as low as ₹8 a day*! The cost is minor compared to what you might spend without coverage.
Reality: It’s easy to file a claim with ACKO’s online travel insurance process. Email us at [email protected] or call us at 1833-813-8772 (for the US) and 022-69635374 (for other regions) to submit a claim. Within 2–3 days, we will process and settle your claim.
Reality: Every travel insurance policy has limitations and exclusions. It's crucial to read the policy details carefully and understand what is and isn't covered.
Reality: Some benefits, like trip cancellation, are time-sensitive. It’s always better to get travel insurance as soon as you book your trip.
Reality: Short trips can still face unexpected issues like flight delays, lost baggage, or medical emergencies. Opting for insurance ensures you stay covered, no matter the duration.
Reality: Familiar destinations can still pose risks. A good travel insurance can help with unforeseen events, like sudden illnesses or accidents, even when visiting places you've been before.
Reality: Buying travel insurance online is as simple as ordering food. Just select your plan, fill in a few details, pay, and you’re covered.
Reality: The cheapest policy might not offer adequate protection. It’s always best to opt for comprehensive travel insurance that fits your trip needs.
*Note: Please note that travel insurance policies are meant to help protect your finances and give you peace of mind while you travel. Choose a policy that meets your needs and read the terms and conditions to avoid surprises in the event of an emergency.
Listed below are a few facts and data about the importance of travel insurance:
Before you buy travel insurance, you may have some questions, no matter how often you fly or if this is your first trip. Here are some answers to questions that people often have about travel insurance in India:
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.
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