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Travel insurance for India

Planning a holiday to India? Read our guide and get yourself covered with the right travel insurance at the right price.

Key points

  • If your holiday is protected by ATOL and/or ABTA, you'll still need travel insurance, especially if you booked your hotel and flights through different suppliers
  • Don’t forget to get specialist insurance if you’re planning on any hiking, adventurous or water-based sport
  • Take a look at the exclusion policies for your travel insurance. Some things, like certain pre-existing medical conditions, might not be covered

Fantastic wildlife, festivals of light, spices and diverse traditions...

If you’re setting off to India, you might want to shop around for your travel insurance.

You know, just in case a tiger gets loose or something. 

Travel to India with the best insurance

Below is a little advice on things to be aware of when you’re comparing travel insurance quotes for India. 

Get your trip to India covered

Travel insurance may not be at the top of your holiday packing list, but it should be!

Healthcare and Delhi belly

In 2015, it was recorded that breathing the air in some Indian cities - such as New Delhi - was the equivalent to smoking 25 cigarettes a day due to the pollution. Yikes!

Depending on where you go, medical care varies, but private care tends to be expensive. As such, good medical cover is a must. 

Ever heard of 'Delhi belly'? It’s really just a nicer way of saying 'travellers’ diarrhoea'.

It usually disappears on its own after around four days. The best ways to prevent it are to:

  • Wash your hands
  • Ensure your food is prepared and cooked properly, and avoid street food vendors
  • Only drink bottled water

Before you set off, get an appointment with your doctor to determine whether you’ve had all the relevant vaccinations, and ask for advice on staying healthy while you’re in India.

Repatriation

Repatriation is a feature which usually comes as standard with travel insurance.

It covers the cost of transporting you back to the UK if your Indian adventure needs to be cut short due to an accident or illness. 

Cancelled flights and delayed travel

If you have to claim for a cancelled flight, you can do this without travel insurance - it’s your airline that’s liable.

Aeroplane

As long as you’re flying to or from somewhere in the EU, or with an airline based in the EU, you’ll be protected by the Denied Boarding Regulation. 

You're at least entitled to refreshments, accommodation and hotel transfers, depending on how long the delay is.

Also, when you’re shopping around for your holiday, make sure that the airlines offer ATOL and/or ABTA protection.

It's worth having travel insurance in place in case you have to cancel the holiday yourself - for example, due to injury or illness.

Lost cameras, gadgets, passports and cash 

If you need to insure your camera, laptop or other tech, you can get a stand-alone gadget insurance policy. Or you can add it to your home insurance, and make sure it includes cover away from home

If you have a professional camera kit, you’ll need professional photography insurance, along with things like business cover and public liability insurance.

Losing your passport isn’t the end of the world as most travel companies will cover the costs of obtaining emergency travel documents (ETDs). 

It’s easiest to apply for ETDs online, or you can go to the British Embassy.

Taking cash on holiday with you can be risky, and insurers tend to only pay out a limited amount if your cash is lost or stolen. 

Check the exclusion clauses, keep any relevant receipts and - most importantly - keep your things safe. 

Do you need single trip or annual cover?

Single-trip cover is useful if you’re only planning one trip to the Taj Mahal in the next 12 months.

But if you’re going on multiple trips then you should think about getting some annual cover

Worldwide and international travel insurance

India is covered under a worldwide or international travel policy, which tend to be more expensive than a solely European policy. 

Some insurers have worldwide policies that don’t include travel to the USA or Caribbean.

If you can find a policy like this, it may be cheaper as long as you’re not travelling via any of these countries. 

Cover from the UK to India 

You’re all excited for your trip to India and you want to make sure you get the right travel insurance. 

Holiday gear

It’s recommended that your travel insurance at least covers:

  • Lost and stolen possessions 
  • Cancellation 
  • Personal liability
  • Medical cover
  • 24-hour emergency assistance

India is a biodiversity hotspot, so if you plan on viewing the flora and fauna while hiking or scuba diving, then you may need to consider some specialist insurance to cover your adrenaline-inducing sightseeing

Travelling to the UK from India

Popping over to see family in the UK? On a business trip? Coming home from an extended holiday? Or just wanting to see the sights?

If you’re travelling from India to the UK, you’ll need travel insurance too - so compare prices to find yourself the best quote.

Multi-centre trips and lots of stops

From the sun-kissed beaches of Goa, to the hustle and bustle of busy cities like Jaipur, there’s lots to see on your trip to India.

Wherever you decide to stop off on your tour of India, the right kind of multi-trip cover will see you safe and sound should something unexpected happen. 

Be aware of exclusion clauses and the maximum length of trip your insurance will cover you for. 

How to shop for cheaper travel insurance for India

We suggest combining cover for your friends and family through group insurance policies. 

Also check you’re not already covered for travel through your bank or credit card. 

And remember that the cheapest policy might not be best suited to your needs, so shop around until you find the right one. 

After all, you don’t want to be about to bungee jump off a cliff in Mohan Chatti wondering if you’ve got the right kind of cover for it. 

By Amy Smith