International travel has become more accessible for Indians, but the financial risks linked to overseas emergencies are often misunderstood or completely ignored. Many travellers still believe travel insurance is optional or choose the cheapest plan without reading coverage limits, exclusions or claim conditions. This mindset can lead to significant financial losses, emotional stress, and last-minute panic during a trip.
The reality is stark: healthcare abroad is expensive. Routine hospitalisation in the US, Canada, Japan or Europe can cost ₹30–50 lakh, and even minor treatments can run into several lakhs. We have come across cases where a simple fever treatment in the US cost close to ₹1 crore. For most Indian families, this kind of sudden expense can derail years of savings and create long-term debt.
Many travellers also overlook critical protections such as emergency medical evacuation, repatriation, and trip interruption. Evacuation, especially via air ambulance, can cost ₹10–30 lakh, depending on the country and urgency. Without adequate cover, the cost must be paid upfront — often before treatment begins. Similarly, trip cancellation or interruption can result in massive losses if flights, hotels, or tours are prepaid.
It is also important to note that several countries mandate travel insurance for entry. For instance, Schengen countries require a minimum medical coverage of $50,000 with evacuation, but practical risk assessment suggests opting for $100,000, given high medical costs in Europe. Buying a plan just to meet minimum visa requirements can still leave travellers underinsured.
Another common mistake is failing to disclose pre-existing medical conditions. Consumers fear higher premiums, but hiding medical history often leads to claim rejection. In travel insurance, honesty isn’t optional — it is financially protective. In the current climate of geopolitical tensions and frequent travel disruptions, having coverage for trip delays, cancellations, or emergency evacuation becomes even more critical.
To avoid problems, travellers should purchase insurance as soon as bookings are made, not just before departure. Early purchase ensures trip cancellation cover is active. Before travelling, it is wise to save helpline numbers, confirm network hospitals at the destination, and keep digital and physical copies of the policy. During emergencies, always contact the insurer before admission — this can activate cashless services, guidance, or evacuation support.
A good travel insurance plan is not just about ticking boxes. It is about ensuring that medical treatment, evacuation, or disruptions abroad don’t become a financial disaster. For a relatively small premium, travellers can secure peace of mind, avoid debt, and focus on what really matters — enjoying the journey.
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FAQs on Travel Insurance for Indian Travellers
It protects you from high medical costs, evacuation expenses, trip cancellations, and emergency losses. Without it, even minor treatment abroad can cost lakhs.
It is mandatory insurance for travellers to Europe’s Schengen Zone, requiring a minimum of $50,000 medical cover with evacuation.
Basic policies usually exclude them, but some plans offer stabilisation or life-threatening emergency cover. Always declare your medical history.
Most basic policies exclude skiing, diving, trekking, etc. If you plan such activities, buy adventure sports coverage.
For Europe, $50,000 is the minimum, but $100,000 is recommended. For the US, Canada, or Japan, higher cover is advisable due to high medical costs.
Yes — often due to non-disclosure, exclusions, lack of documents, or treatment without notifying the insurer. Reading the policy is crucial.
Buy it as soon as you book your trip, not at the airport. Early purchase activates trip cancellation cover before departure.
