Travel insurance India

The Taj Mahal

India: one country, many names. Many people, too. With a population of almost 1.4 billion people, it’s the second largest country by population in the world. Drenched in myths, spirituality, and culture, India is a diverse land of discovery. Some people go to India for the food, some go for the culture, and some even go on a George-Harrison-esque journey to ‘find themselves’. But before you go buying your saree, or finding a bag big enough to carry your sitar, consider adding a travel insurance policy to your inventory.

What should my travel insurance policy for India include?

Depending on what type of traveller you are, the kind of international travel insurance policy you choose will come down to factors like how long you’re travelling for, if you think you’ll need any specific benefits, like cover for cancellations and delay, and if there are any optional extras you might need.  

Whether you’re driving around India in a rental vehicle or motorbike, backpacking across the country, or sightseeing, an international travel insurance policy should fit your needs and budget. Also, if you’re travelling with a pre-existing medical condition, make sure that your insurance provider covers your condition. You don’t want to foot the bill in an overseas hospital if your health acts up while travelling. 

Generally, travel insurance providers will offer different tiers of cover on their international policies. These often range from basic or essential policies, to premium or comprehensive policies. 

Basic policies usually cover benefits like overseas emergency medical and hospital expenses, and personal liability. However, cover for things like flight delays, cancellations, loss of travel documents or cash, might only be available if you pay a higher premium. It comes down to how much you’re willing to risk on your journey, so assessing your needs before you start researching a policy is a good way to get the most suitable cover.

Do Australians need a visa to travel to India?

Australians do need a visa to travel to India. You can find more information about visas for India and apply online through the Indian government’s e-Visa portal. An electronic visa allows you to travel for up to 60 days in India for tourism, business, and medical reasons. 

Once you have your visa, Smartraveller recommends that you carry a printed copy of your e-Visa, known as an electronic travel authorisation (ETA). When you arrive, you will receive a formal visa in your passport.

Can I get COVID-19 travel insurance for India?

While some providers will include cover for Covid-related claims, such as cancellations and delays, and overseas medical and hospital, it will often be subject to the Smartraveller advice warnings. In many cases, a ‘Do not travel’ warning will mean that any claims for insured events to do with COVID-19 will not be covered by the policy. 

To get into India, you will need to complete the 'Air Suvidha self declaration form’ before you leave home. The Air Suvidha declaration form is a travel health certificate used to help monitor the spread of COVID-19 in India. You can also upload your vaccination certificate or a negative PCR test to support your declaration. 

However, travel and entry requirements are always changing, so keep up to date as best as you can by checking the Indian Ministry of Health and Family Welfare website before you go.

What vaccines do I need to travel to India?

Unfortunately, there are a few health risks when it comes to travelling to overseas countries, and India is no exception. You will need to take the following vaccines, or provide evidence of your immunity:

  • COVID-19
  • Measles-Mumps-Rubella
  • Tetanus-Diphtheria-Pertussis
  • Polio

Other vaccines which are frequently recommended for India include:

  • Hepatitis A
  • Hepatitis B
  • Typhoid
  • Malaria
  • Japanese Encephalitis 
  • Rabies

Travel insurance tips for India

  • Excess fees. When you need to make a claim on your travel insurance policy, you may be required to pay a certain part of the total value of your claim. The rest would be paid by the insurance provider. This amount that you need to pay yourself is called an excess. This excess fee can vary according to your policy. Generally, the cheaper the cover, the more likely your excess fee will be higher.
  • Pre-existing conditions. Travel insurance providers ask you to declare any pre-existing conditions at the time of purchasing the policy. If you fail to do so, the insurance company can reject a claim you later make regarding that condition. Also, remember that pregnancies are considered as a pre-existing condition.
  • Unattended baggage. Remember that if your bags go missing while you’ve left them unattended, your insurance provider may reject your claim. In fact, even when you leave your bags with the hotel concierge after you’ve checked out, that’s often considered ‘unattended’ in the provider’s eyes. So, even leaving your luggage with the concierge at the hotel could result in your provider refusing to reimburse you for it, if it goes missing. 
  • Report incidents ASAP. Whether you’ve injured yourself or had your bags stolen from your hotel, you need to report any incident as soon as possible. Again, if you’ve read your policy’s product disclosure statement (PDS) carefully, you’ll know the exact documentation that you will be required to submit with your claim. Generally, these will be doctors reports, hospital bills, police reports, or receipts, depending on the nature of your claim. So, make sure you hold onto these when it comes to contacting your travel insurance provider. 
  • Driving in India. First of all, don’t drive a vehicle you aren’t licensed to drive. If you want to drive in India you will need an international driving licence, or Indian driving licence. You can apply for an international driving licence in India at any Regional Transport Office. You’ll need various points of identification, of course, such as your passport, your visa for India, proof of address, and your Australian driving licence. 
  • Driving a rental vehicle in India. If you’re renting a car, make sure you have the right paperwork and consider whether or not your policy covers rental vehicle insurance excess, in case there’s an accident in your hire car. And like in any part of the world, don’t drink and drive – your insurance will not cover you for any accidents while under the influence.
  • Drink responsibly. Always remember to be responsible with your drinks. If you face a medical emergency or injury while you were under the influence of alcohol or drugs, your insurance company could refuse to reimburse you for those expenses.

Compare travel insurance policies - last updated 18 August 2022

Search promoted travel insurance below. Advertiser disclosure Important information on terms, conditions and sub-limits.
  • International Travel Insurance
    covid medical cover
    Yes
    covid cancellation cover
    Yes
    overseas hospital
    Unlimited
    cancellation cover
    $5,000 - Option to increase in lots of $1,000.

    Get protection in a few simple steps with Freely travel insurance all in the palm of your hand. Freely Travel offers 24/7 emergency and medical support, 24/7 customer service. Plus, you can tailor your policy so you only pay for what you need, and adapt your cover in near real time. Add-ons such as car rental excess, snow sports or other activities also available.

    Details
  • Top
    covid medical cover
    Yes
    covid cancellation cover
    Yes
    overseas hospital
    Unlimited
    cancellation cover
    Unlimited

    Be covered for international overseas and medical expenses. Emergency medical assistance 24 hours/365 days a year. Cover for cancellation fees and lost deposits. Cover for luggage and personal money. Dependents covered free of charge (conditions apply). Limited COVID cover available. Cancellation cover for COVID claims limited to $3,500.

    Details
  • Comprehensive
    covid medical cover
    Yes
    covid cancellation cover
    Yes
    overseas hospital
    Unlimited
    cancellation cover
    $25,000

    Easy and cost-effective travel cover with Covid-19 cover included. With 4 base plans, 4 packs and cover for specific medical conditions. For Australian travellers, couples and families up to 99 years young. Add optional extras. 24/7 worldwide emergency help and unlimited medical cover. 14-day cooling-off period, money back guaranteed.

    Details
  • Comprehensive
    covid medical cover
    Yes
    covid cancellation cover
    Yes
    overseas hospital
    Unlimited
    cancellation cover
    Unlimited

    Get peace of mind with Fast Cover with worldwide 24 hour emergency assistance. Enjoy cover for emergency medical and hospital expenses. Get cover for cancellation costs as well as for luggage and personal belongings. No medical assessments required. 25 day money back guarantee. Cancellation cover for COVID claims limited to $5,000.

    Details
  • Mozo Expert Choice Badge
    Comprehensive
    covid medical cover
    Yes
    covid cancellation cover
    Yes
    overseas hospital
    Unlimited
    cancellation cover
    $25,000

    Travel insurance with Covid-19 cover and made for women. Choose from 4 levels of cover so you only pay for the insurance you need. Cover comes with unlimited emergency medical cover worldwide. Kids travel free. Tailor your travel insurance with extra cover for activities and special gear. 14-day cooling-off period, money back guaranteed.

    Details

^See information about the Mozo Experts Choice Travel Insurance Awards

Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.