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Travel Insurance
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. Travel insurance 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!
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.
Travel Insurance policies will provide coverage for:
Loss of passport and financial emergency cash
In many countries, travel insurance is required for visa applications. Consequently, securing a valid visa and buying travel insurance from India are prerequisites for entry into these destinations.
Here are some of the key facts about ACKO travel insurance policies are given below:
| Parameter | Specifications |
| Starting Price | ₹45/day* (Zero GST) |
| Age Eligibility | Proposer/Adult: 18 to 85 years; Child: 91 days to 18 years |
| Countries Covered | Over 200 countries and islands outside India |
| Duration of Coverage | 1 day to 180 days |
| Basic Sum Insured | ₹50 to ₹5,00,00,000 (per cover) |
| Premium Range | ₹49 to ₹35,000 |
| Premium Payment Mode | Single Pay |
| Covered Benefits | Medical expenses, trip cancellations, accidental emergencies, adventure sports, baggage loss, accidental death, passport loss, kidnap/hijack, financial emergency cash, personal liability, emergency evacuation and repatriation, and more |
| Add-ons | Bounced Booking and Adventure Sports Injury Cover |
| Claim Process | Simple online travel insurance claim process |
| Claim Settlement Time | Processed and settled within 24 hours* |
| Time to Purchase | Buy travel insurance online within minutes |
| 24×7 Customer Support | Call: 18338138772 (for US) / 1860 266 2256 (others) or email: [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:

Are you worried about travel insurance costs? At ACKO, we provide basic travel insurance plans starting at just ₹45* per travel day. This is perfect for those looking to purchase a policy without breaking the bank.
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.

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.

No medical checkup is required before purchasing our travel insurance, so you can get a travel insurance policy without any delays or hassles.
ACKO's International Travel Insurance offers a basic sum insured ranging from ₹50 to ₹5,00,00,000 per cover, giving you flexibility to choose coverage that matches your destination, trip duration, and personal risk profile.

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.

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 trip insurance coverage works seamlessly when you need it the most.
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.

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.
You can cancel the policy at any time before your travel start date. If no claim has been made, ACKO will refund your premium after deducting ₹100 (inclusive of applicable taxes) per member.
ACKO offers a 15-day free-look period from the date of receipt of policy documents, during which you can cancel the policy without significant penalty.
A cancelled flight or overseas medical emergency can cost more than the trip. A single emergency can cost more than your entire trip. Travel insurance isn't just formality - it's peace of mind. With ACKO, you're covered before you leave.

Chirag Mahajan
Associate Director - Travel Insurance
You should choose ACKO Travel Insurance in India for its digital convenience, zero upfront costs on claims, quick settlements, and customizable, tech-driven process, offering hassle-free purchasing and support for medical emergencies and trip disruptions without needing medical checkups for basic policies. Here are the key benefits to buy ACKO travel insurance plans are listed below:

ACKO Travel insurance is visa-compliant as it is a compulsory requirement for visa applications and entry to many countries, including those within the Schengen Area.
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.
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.
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.
There are many types of travel insurance in India, including domestic and international policies. Other classifications are based on the traveller and trip structure, such as student, senior citizen, family, individual, single-trip, and multi-trip plans. Below is the list of the most common types of travel insurance:
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.
A domestic travel insurance plan provides coverage for trips taken within India. It offers coverage for financial emergencies, including personal liability, medical emergencies, and lost baggage. You also have the option to extend this coverage to include family members traveling with you.
Single-trip insurance is a type of travel insurance designed to cover a specific, one-time journey.It protects you for a certain amount of time, usually from the day you leave home to the day you come back. It’s suitable for individuals or families who travel infrequently. It includes medical, trip, and baggage-related covers under one comprehensive travel insurance umbrella.
Multi-trip travel insurance plan is a single policy that covers you on every international trip for the entire year. It is ideal for Frequent flyers who can save time and money. Annual multi-trip insurance covers all your trips within a specified period without the need to buy travel insurance online every time.
Family Travel Insurance offers protection for you and your family against potential risks and unforeseen events that may occur while travelling internationally. Having a family travel insurance plan for kids to seniors can help you prepare financially for medical emergencies, flight cancellation, loss of passport/baggage and more.
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 on work trips, a business travel policy provides protection against common risks such as 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 coverage offers 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 choosing the best travel insurance, consider what you need it to cover. The cheapest trip insurance may not be the best, so it's a good idea to compare different plans. The different ACKO Travel insurance plans include the Standard Plan and the Comfort Plan. Here is an overview to understand the coverage of each plan.
| Coverage | ACKO Standard Plan | ACKO Comfort Plan |
| Accidental Medical Expense Reimbursement | Up to ₹ 1,000 | Up to ₹ 5,00,00,000 |
| Pre-existing Disease Cover | Covered under Illness Medical Expense Reimbursement | Covered under Illness Medical Expense Reimbursement |
| OPD Treatment | Up to ₹ 250 | Up to ₹ 10,00,000 |
| Adventure Sports Injury | Covered under Accidental Medical Expense Reimbursement | Covered under Accidental Medical Expense Reimbursement |
| Compassionate Visit | Up to ₹ 1,000 | Up to ₹ 5,00,000 |
| Evacuation (Medical & Catastrophe) | Up to ₹ 1,000 | Up to ₹ 1,00,00,000 |
| Accidental Death | Up to ₹ 1,000 | Up to ₹ 5,00,00,000 |
| Repatriation of Mortal Remains | Up to ₹ 1,000 | Up to ₹ 5,00,00,000 |
| Loss of Passport | Up to ₹ 50 | Up to ₹ 10,00,000 |
| Financial Emergency Cash | Up to ₹ 50 | Up to ₹ 10,00,000 |
| Personal Liability & Bail Bond | Up to ₹ 1,000 | Up to ₹ 5,00,00,000 |
| Home Insurance Cover | Up to ₹ 1,000 | Up to ₹ 5,00,00,000 |
| Trip Cancellation | Up to ₹ 50 | Up to ₹ 50,00,000 |
| Bounced Booking | Up to ₹ 50 | Up to ₹ 50,00,000 |
| Flight Delay | Up to ₹ 50 | Up to ₹ 10,00,000 |
| Missed Flight/ Connection | Up to ₹ 50 | Up to ₹ 10,00,000 |
| Delay/Loss of Checked-in Baggage | Up to ₹ 50 | Up to ₹ 5,00,000 |
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 health 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 health insurance reimburses the expenses for transporting the insured person by air or land during the travel period.
Note on Permanent Partial Disability: The percentage of sum insured payable varies by injury type - for example, total loss of sight in one eye: 50%, loss of four fingers and thumb of one hand: 40%, loss of index finger (three phalanges): 10%. Refer to the policy schedule for the complete table.
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 policy document.
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:
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.
ACKO will refund the non-refundable portion of pre-booked accommodation and activities in case of trip delay or cancellation, subject to the policy terms, conditions, and wordings.
In the event of trip curtailment due to unforeseen circumstances, we will reimburse the non-refundable portion of accommodation and pre-booked activities, in accordance with the policy schedule.
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 trip insurance coverage will pay up to the plan's limit 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.

If the Insured Person's pet, specified in the Policy Schedule, is injured in an accident during the Travel Period, the policy covers the pet's medical treatment costs. Additionally, if the pet's accidental injury or death causes the Insured Person's journey to be cancelled or rescheduled, the policy covers the resulting extra travel and accommodation expenses.
We will pay a fixed amount, sum Insured ranging from ₹50 to ₹10,00,000 as specified in the Policy Schedule in relation to the permanent and total loss of the Insured Person’s travel funds due to any pilferage, theft, loss, robbery or dacoity during the Travel Period.due to any pilferage, theft, loss, robbery or dacoity during the Travel Period.
We will reimburse any actual loss incurred by the Insured Person, up to the Sum Insured ranging from ₹1,000 to ₹5,00,00,000 as specified in the Policy Schedule, towards damage to the insured property caused by fire and allied perils during the Travel Period.
We will reimburse any actual loss incurred by the Insured Person, up to the Sum Insured ranging from ₹1,000 to ₹5,00,00,000 as specified in the Policy Schedule, towards theft of personal possessions or property stored within the Insured Person’s usual place of residence, provided the residence was left vacant for the duration of the Travel Period.
We will reimburse the expenses or loss incurred in respect of electronic equipment belonging to the Insured Person, up to the Sum Insured ranging from ₹50 to ₹50,00,000 as specified in the Policy Schedule, subject to the terms, conditions, and exclusions of this Policy.
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 trip protection policy, so you don’t have to pay 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:
Note: This list is not exhaustive. Please read the policy document carefully for a complete list of inclusions and exclusions. Policy terms and conditions are subject to change with prior approval from IRDAI.
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 ACKO’s policy 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 trip 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.
The basic requirements before buying a travel insurance plan in India include personal, travel and health-related information along with your passport details. To be eligible for buying travel insurance, you must fulfil 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. |
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 policy will be generated and immediately sent to your email ID.
Travel insurance should let you focus on the journey, not the financial risks.
That’s exactly what our customers experience — no delays, no hidden surprises, just genuine support when it matters the most.
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. In fact, over 1,02,000 Indians chose ACKO’s travel insurance last year, with baggage delays accounting for nearly one in every four claims.


The following are the documents needed to buy travel insurance:
To process your claim, please submit the following documents with the completed and signed claim form. The following documents required for travel insurance claim will depend on whether your claim is medical or non-medical in nature:
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
Go to 'My Policies' and select your active travel insurance policy
Tap 'Edit Policy' and update your travel dates
Pay any additional premium based on the extended duration
A revised policy 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.
Choosing the best travel insurance depends on several key factors that match your travel habits and needs.
It’s recommended to buy travel insurance at least 15 days before your trip. This gives you enough time to:
Buying early also ensures you’re covered for any unforeseen issues that may arise before departure.
If you’re travelling tomorrow and need travel insurance today, the best option is to buy it online from a digital insurer like ACKO. Unlike traditional insurers that may take longer due to paperwork, ACKO offers instant policy issuance through a fully online process.
You can purchase your travel insurance in just a few minutes, receive your policy immediately, and stay protected from the moment your trip begins. With quick claims support and a hassle-free process, ACKO ensures you’re covered even when your travel plans are last-minute.
Here are the key factors to consider when comparing the best travel insurance India online:
When comparing travel insurance quotes, pay close attention to the 'sum insured,' the maximum amount of coverage. 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 policy.
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.


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.
Many countries require proof of valid travel insurance before granting entry. These include:
ACKO Travel Insurance is Schengen-compliant and meets the mandatory coverage requirements for all the destinations listed above.
Accident: An unplanned event without the fault of the insured, possibly resulting in injury or death.
Adventure Sports: High-risk activities that may require an add-on or be excluded under the standard policy.
Common Carrier: A commercial entity (airline, train operator, etc.) that transports passengers from one place to another.
Compassionate Visit: Coverage for a family member's economy class travel to visit a hospitalised insured person.
Day Care Treatment: Medical treatment that requires less than 24 hours of hospitalisation.
Free-Look Period: A 15-day window to cancel the policy after receiving documents, without significant penalty.
Hospitalisation: Admission to a hospital for at least 24 hours for covered treatment.
Immediate Family Member: Spouse, siblings, parents, in-laws, legal guardian, and step-parents residing in India.
Insured Journey: Any trip by the insured within the policy term, from aircraft boarding to return to India or policy expiry (whichever is earlier).
Medically Necessary: Treatment required for managing an illness, as advised by a qualified medical practitioner.
Permanent Total Disability: Total disability preventing the insured from engaging in any employment or occupation, including specific conditions like total irrecoverable loss of sight in both eyes, loss of both hands or loss of both feet.
Pre-existing Disease (PED): Any medical condition that existed before policy inception. Covered under ACKO's policy only when disclosed and expressly endorsed.
Premium: The amount you pay to purchase the policy. Single Pay mode — paid once at purchase.
Repatriation of Mortal Remains: Transporting the deceased insured's remains from the place of death to their home in India.
Sub-limits: Maximum payable amount for a specific claim type, as per the policy schedule.
Sum Insured: The maximum coverage amount ACKO will pay for covered injuries or losses.
Trip: Any insured journey that starts and ends in India and involves travel outside India.
Trip Curtailment: Coverage for non-refundable prepaid expenses when a trip is cut short due to unforeseen circumstances.
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 ₹45 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 policy 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 trip insurance that fits your trip needs.
*Note: : 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.
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.