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5 Popular Cities Where Travel Insurance Can Be a Lifesaver

Team AckoSept 11, 2025

Are you planning a trip to the bustling city of New York or the adventurous mountains of Kathmandu? If yes, then having travel insurance will not just be a formal document but your safety net when the unexpected strikes. From sudden medical emergencies, lost luggage and unexpected trip cancellations, a reliable travel plan ensures you are covered, letting you focus on exploring with peace of mind.

So, to help you travel smart, we have rounded up some of the most popular trips covered by travel insurance, featuring five cities where being insured can truly be a lifesaver and keep your journey worry-free.

Travel Insurance

Contents

5 Cities You Need to Visit with Travel Insurance
Bottom Line
Explore More
Frequently Asked Questions

5 Cities You Need to Visit with Travel Insurance

Exploring global hotspots brings excitement but also unexpected risks, making international travel insurance an essential companion for every journey. Let’s check out the top five cities worldwide where travel insurance can be your best friend!

1. New York City

The vibrant and unmissable energy of New York City attracted nearly 1.9 million Indians in 2024, and the reports suggest that the number is rising consistently.

While exploring the Big Apple, unexpected mishaps, like lost baggage, can disrupt your trip. However, if you invest around ₹ $1,637 in a USA travel insurance policy, your insurer will provide baggage loss cover up to ₹ $43,000 ($500), ensuring peace of mind and a hassle-free journey.

New York City

2. Paris

Paris mostly ranks at the top when it comes to planning a romantic international vacation with your partner. However, unexpected medical emergencies can quickly disrupt your plans, especially given the high medical costs in the city. With an adequate travel insurance policy, such situations are manageable.

For travellers to Schengen countries, coverage of at least €30,000 (approx ₹30 lakhs) is mandatory. International trips covered by ACKO international travel insurance provide this protection, ensuring your medical expenses are taken care of without straining your budget.

Paris

3. Rio De Janeiro

Who has not heard about the famous sunny beaches of Rio De Janeiro in Brazil? Travellers from across the world visit this city to experience the vibrant beaches and carnivals. However, travel risks in major cities like Rio, ranging from misplaced luggage to sudden medical emergencies, can turn a dream trip into a stressful experience.

With a basic Brazil travel insurance policy starting at approximately ₹1,071, you can get coverage for medical expenses up to $100,000 (₹87 Lakh), trip cancellations up to $750 (₹65,000 approx.), and baggage loss up to $500 (₹43,000 approx.), ensuring peace of mind while exploring this iconic city.

You can also check our travel insurance to get an estimate of how much your Brazil travel insurance policy will cost.

Rio De Janeiro

4. Tokyo

Tokyo is a popular city in Japan where modernity and tradition are blended. The city captivates tourists with its rich heritage, serene landscapes and futuristic aspects. Nonetheless, for Indian travellers, securing Japan travel insurance is essential to ensure a stress-free experience.

This coverage provides access to cashless hospitalisation during medical emergencies, reducing any out-of-pocket expenses. It also protects against trip delays, baggage loss, and unforeseen cancellations. Moreover, Tokyo’s unpredictable weather or sudden emergencies may require evacuation, and having travel insurance for the trip ensures financial security while addressing such unexpected situations.

Tokyo

5. Kathmandu

When it comes to adventurous activities in the heart of the Himalayas, Kathmandu in Nepal is one name that will surely pop into your mind. The beauty of this enchanted city has been alluring tourists from across the world for decades now. Moreover, many Indian tourists visit Kathmandu to experience adventure sports like hiking, Everest expeditions, trekking, rock climbing, and more.

However, engaging in these adventurous sports comes with risks, and medical emergencies can quickly turn a dream trip into a stressful situation. So, by opting for an adventure sports add-on for Nepal travel insurance, you can enjoy your activities without worry, knowing that medical expenses, evacuation, and other emergencies are well-covered throughout your trip.

Kathmandu

Bottom Line

Visiting iconic cities like Tokyo or Rio de Janeiro is a dream for many travellers, offering unforgettable experiences. However, uncertainties such as misplaced luggage, medical illnesses, or trip cancellations can occur at any moment. So, having a travel insurance plan can safeguard you from such scenarios and help you enjoy your trip within your budget. Usually, trips covered by travel insurance cost only 4% to 10% of your entire trip cost, so a modest investment can give you peace of mind.

Also, with ACKO travel insurance, you can enjoy every moment of your trip without any worry, as medical expenses, baggage problems, and other unexpected situations (according to policy conditions) are all taken care of.

Explore More
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Difference between Visa and Passport
List of Schengen Countries 2025: Check Schengen Zone Countries
List of Countries Requiring Travel Insurance for Visa
What is Medical Evacuation Coverage in Travel Insurance?

Frequently Asked Questions

Do I need travel insurance if I am visiting the same Schengen Country for the second time?

Yes, you need to have travel insurance for the Schengen country you are visiting for the second time. Please make sure to mention accurate dates at the time of purchase to avoid visa cancellation.

Can I purchase Travel Insurance with a credit card?

Yes, purchasing travel insurance with a credit card is possible. Most popular digital insurers, such as ACKO, provide their clients with multiple payment options. The Clients can choose to pay using their debit or credit cards, internet banking or UPI wallets.

How to modify trip dates in travel insurance?

You can modify your travel dates before leaving India. If you are buying travel insurance from ACKO, you can modify the trip dates by visiting the official website or application, logging in, changing the dates and updating. Immediately, an updated version of the policy document will be mailed to you.

Which travel insurance is best for New York City?

Travel insurance with comprehensive coverage is the best for travelling to New York City. That way, you do not have to purchase a separate travel insurance policy for every concern.

How much coverage do I need for domestic trips travel insurance?

If you are looking for a safe and secure travel experience within India, getting domestic travel insurance could be beneficial. Your coverage amount will depend on the total journey days, the place you are visiting and any add-on coverages.

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet, and is subject to changes. Please check the policy document for cancellation reasons, and terms and conditions of the policy.