Travel Insurance India — Protect Every Journey
OnlyOnTrip's travel insurance service is coming soon. We are partnering with India's top-rated insurance providers to offer comprehensive trip protection plans that cover medical emergencies, trip cancellations, flight delays, baggage loss, and passport loss — all in a single policy, available directly on the OnlyOnTrip platform alongside your flight and hotel booking.
What Travel Insurance Covers
- Medical Emergency: Covers hospitalisation, emergency evacuation, and repatriation costs if you fall ill or are injured abroad. Most plans cover up to ₹75 lakh in medical expenses.
- Trip Cancellation: Reimburses non-refundable flight and hotel costs if you have to cancel your trip due to illness, bereavement, or a natural disaster.
- Flight Delay & Missed Connection: Compensates for meals, accommodation, and rebooking costs caused by delays of 6 hours or more.
- Baggage Loss & Delay: Covers the cost of replacing essential items if your checked baggage is lost or delayed by the airline for more than 12 hours.
- Passport & Document Loss: Reimburses emergency document replacement costs and embassy fees if your passport is lost or stolen abroad.
- Personal Accident: Provides a lump-sum payout in the event of accidental death or permanent disability during your trip.
Types of Travel Insurance Plans
- Single Trip: Covers one trip from departure to return. Ideal for occasional travellers and first-time international trips.
- Multi-Trip Annual: Covers all trips within a 12-month period up to a set duration per trip (typically 30–90 days). Best value for frequent flyers.
- Domestic: Covers travel within India — medical emergencies, flight delays, and baggage loss on domestic routes.
- Student Travel: Long-duration plans for students studying abroad — covers tuition fees, sponsor's death benefit, and bail bond expenses.
- Senior Citizen: Plans designed for travellers above 60 years with pre-existing condition waivers and higher medical sum insured.
Do I Need Travel Insurance?
Travel insurance is mandatory for Schengen visa applications and strongly recommended for all international trips. A single medical emergency abroad can cost ₹5–50 lakh without insurance, while a comprehensive policy for a 7-day international trip typically costs ₹800–2,500. Knowing that any emergency is covered is well worth the small premium.
Frequently Asked Questions
Insurance Providers We Plan to Partner With
OnlyOnTrip's travel insurance marketplace will feature plans from India's leading insurers including Bajaj Allianz, HDFC Ergo, Tata AIG, Niva Bupa, ICICI Lombard, and Star Health. Each provider is IRDAI-registered and offers a direct claim settlement process. You will be able to compare plans side by side by premium, coverage amount, medical sum insured, and key inclusions — and purchase with a single click at checkout alongside your flight or hotel booking.
What to Look for When Buying Travel Insurance
When comparing travel insurance plans, focus on four key metrics: the medical sum insured (minimum ₹25 lakh for international travel, ₹75 lakh or more for USA/Canada destinations which have high hospital costs), the claim settlement ratio of the insurer (above 90% is considered good), whether the plan covers cashless treatment at hospitals in your destination country, and whether adventure activities like trekking, water sports, or skiing are included or require an add-on. A higher premium does not always mean better coverage — compare inclusions carefully rather than just price. Once OnlyOnTrip's insurance service launches, our comparison tool will surface these metrics in a single view so you can make an informed choice in under two minutes.