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From Delhi to Darjeeling, travel with confidence with AllClear.

What is India Travel Insurance, and why do you need it?x

As with all travelling, there can be risks when travelling to India, such as road accidents, dog bites and falls, especially in urban areas. Travel Insurance from AllClear will cover you for medical emergencies you have while away in India, including if you have a medical condition. Plus, we cover lost luggage, cancelled holidays, and travel delays.

Having comprehensive Travel Insurance is a must-have. Here’s why:

  • One study showed that over 46% of international travellers to India experienced diarrhea. This led to a higher likelihood of travel plans being affected. This could lead to cancelled tours, flights or more. Plus, diarrhoea comes with a host of other risks, like dehydration. If not treated, this could even lead to a hospital visit.
  • Nearly half a million people a year visit India for hiking and trekking. But this comes with risks. Tripping and falling, for example, could easily land you in an Indian hospital. It’s important to make sure that you’re covered for any treatment costs and medical repatriation if you need to be flown home for treatment.
  • India is well known to have hot weather. However, increasingly volatile conditions have led to both severe heat waves and devastating floods that could disrupt your cover.

Getting comprehensive Travel Insurance means you’ll have peace of mind when travelling. We’ll cover costs from health emergencies or trip disruptions. At AllClear, we can cover: All medical conditions. All ages. All destinations. There’s a reason why 98% of our customers would recommend us to family and friends2.

What does AllClear’s India Travel Insurance cover?

Our India Travel Insurance covers you for unexpected medical costs. It also covers lost luggage and cancelled flights. Travel with peace of mind, knowing you’re covered with AllClear.

What’s covered?

  • Medical cover. AllClear policies include emergency medical cover, as well as medical costs for existing conditions. This includes prescription medication, medical emergencies and medical equipment.
  • Cancellation and curtailment3. Cover for your flight and accommodation costs if you have to cancel before you go. We’ll also cover you if you need to return home early following an emergency.
  • Your baggage. Protection against the cost of stolen, damaged or lost luggage and personal possessions. You can also choose to add extra cover for gadgets to your policy.
  • Travel delays and missed departures. If your flight is delayed, we’ll compensate you for the time. If you miss your flight, you’ll also be covered for accommodation and transport costs.
  • Personal liability. Cover for your legal expenses and any liability due if you accidentally injure someone. You also have cover if you damage their property while you’re away on holiday.
  • All ages. We believe Travel Insurance should be available to as many people as possible. That’s why our Travel Insurance has no upper age limit.

What’s not covered?

  • Deciding not to travel. We do not provide any cover if you can travel but choose not to.
  • Other regions. Your India Travel Insurance won’t cover you if you travel outside your chosen region. You can contact us to upgrade your policy anytime.
  • Claims below the value of excess. You’re not covered for claims that fall below the value of the excess stated in your policy
  • Medical conditions you fail to declare. You need to provide us with an accurate medical history when you buy Travel Insurance. This is so we can give you the right cover. This is especially vital for senior travellers and those with long-term illnesses.

For full details, please refer to your policy wording.

We offer three different policy levels: Gold, Gold Plus, and Platinum. Each is tailored to your specific requirements.

SWIPE TO COMPARE POLICIES

 

Gold

Gold Plus

Platinum

Emergency medical expenses and Repatriation costs Up to £10m Up to £15m Unlimited
Cancellation* and Curtailment Up to £2k Up to £15k Up to £25k
Travel Delay Up to £300 Up to £1,500 Up to £1,500
Personal Belongings Up to £2k Up to £2.5k Up to £5k
Personal liability Up to £2m Up to £2m Up to £2m
Legal protection cover Up to £50k Up to £50k Up to £100k

* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.

AllClear’s Travel Insurance for India with pre-existing medical conditions

We’re Medical Travel Insurance Specialists, and we know that having a pre-existing condition doesn’t stop you from travelling. We’ve helped more than 3.5 million customers go abroad. We’re here to help, and we’ll cover you if any problems arise while you’re away, even if it’s related to your pre-existing condition.

We consider all pre-existing conditions. We can even cover some terminal conditions. Examples of conditions we cover include:

You’ll need to complete a medical screening before we can give you a quote. During this process, we might need to ask you a few questions. We do this so we understand your condition better. Then we can give you the level of cover that you need. Some of the questions we might ask include:

  • When were you diagnosed?
  • Do you take any medications?
  • When was the last time you were admitted to hospital for treatment?

Once you’ve completed a medical screening, you can get a quote for Travel Insurance to India.

Find the best India Travel Insurance for your trip

Your Travel Insurance policy should match your needs. Get the right kind of cover for your trip.

How many times will you go away this year?

  • Single Trip Travel Insurance: Get covered for one trip, which can be up to 365 days of consecutive travel. Cheaper if you’re only having one holiday this year.
  • Annual Multi-trip Travel Insurance: Perfect for frequent fliers. You’ll be covered for as many trips abroad as you like. Each trip can be between 45-55 days, depending on your plan.

Are you doing anything out of the ordinary on your trip?

  • Cruise Cover: No need to worry about missed departures or being confined to your cabin. Our Cruise Cover will reimburse you for both. We’ll even cover the cost of any unused excursions.
  • Gadget Cover: Lost your tablet? Dropped your phone in the loo? Fear not. With Gadget Cover, we’ll cover up to eight gadgets while you’re away.
  • Golf Cover: We’ll cover you and your clubs, so you can rest easy and focus on your game. We’ll even cover any unused Greens Fees. That’s a hole-in-one.

Who are you going with?

How our Travel Insurance for India works: A simple 3 step quote process

Simply complete our quick 3-step screening process to receive your quote. Here’s how it works.

1. Get a quote online or by phone

Once you’re ready to start the quote process, the first step is to provide your personal details. We’ll also ask for information about your holiday plans. This can be completed over the phone with one of our team members or online.

2. Complete our simple medical screening process

You must declare any medical conditions you have. You should also mention any medications you and your travel companions are taking. This will allow us to provide the cover that best suits your needs.

3. Get your quote

You can either proceed to buy or save your quote at this stage.

Russell Wallace

“India is a popular destination for Brits, whether visiting family or touring the sights. But accidents can happen in any destination, especially when adventuring abroad. With our India Travel Insurance you’re covered for any emergency medical treatment you might need. Even if you need to fly home for medical care. We’ll also cover you for lost luggage or travel delays.”

  Russell Wallace – Travel Insurance expert

What our customers say

India travel insurance enquiry

“My travel insurance enquiry was dealt with very efficiently by Greg. All options explained clearly throughout. Cover purchased as a result. Thank you 👌”

– Simon G
– Date of experience: October 19, 2023

There’s a reason 98% of our customers would recommend us to family and friends2. Here’s what they have to say about us.

What our Customers Say

Frequently Asked Questions on India Travel Insurance

Do you need Travel Insurance for India?

It is not a legal requirement to have Travel Insurance in order to enter India. However, it is highly recommended by the UK Government. Private medical care in major cities can be expensive. Travel Insurance can protect you from potentially high medical expenses if you fall ill or have an accident during your trip.

How much does Travel Insurance for India cost?

The cost of Travel Insurance for India will vary based on different factors. Some of these factors include:

  • Your age
  • Your medical history
  • Your destination
  • The length of your trip
  • What you’ll be doing while you’re there

Because each of these factors varies from person to person, there is no set price for India Travel Insurance.

Does the GHIC cover India?

The GHIC does not cover healthcare in India. The GHIC is primarily designed for use in European countries and a few select territories. India is not included in this list of covered countries. When travelling to India, it’s essential to get comprehensive Travel Insurance that includes medical coverage, as the GHIC will not provide any healthcare benefits there.

Can you get Travel Insurance for India as a senior citizen?

Yes, senior citizens can get Travel Insurance for India. We have no upper age limit on our policies, and we will consider: All medical conditions. All ages. All destinations.

Can you get Travel Insurance to India with a pre-existing condition?

Yes, you can get Travel Insurance for India even if you have a pre-existing condition. Before getting a quote, you will need to complete a medical screening. During this process, it is important to declare any pre-existing conditions you have. Once that is complete, you can get a quote for Travel Insurance for India.

Get the most out of your trips with our helpful guides

Where are you visiting?

Explore our helpful guides for tips on remembering everything you need when travelling to one of the destinations below.

Which activities do you have planned? 

Remember to add extra cover to your policy for a worry-free trip. Whether you’re planning a skiing holiday or setting sail on a cruise.

Written by: Russell Wallace | Travel Insurance Expert
Last Updated: 8 November 2024


* Discount applies to the base premium of an AllClear Travel Insurance policy and does not apply to any premium generated to cover medical conditions. This discount cannot be used in conjunction with any other offer. Discount ends 23:59 on 3rd February 2025. With the purchase of an AllClear branded policy up to the 3rd February 2025, you’ll also automatically enter a prize draw to win £3,199. See Terms and Conditions for more details.

 

† Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 70,000 reviews as of January 2024. AllClear Gold Plus achieved a Which? Best Buy.

1 99%+ is based on non-assistance claims approved for payment during August 2023 to August 2024 on AllClear branded policies only. 5 working day window commences when insurers have received all relevant information and documentation to confirm claims cover.
2 Based on 780 responses, January 2024.
3 Providing you have purchased a policy that includes cancellation cover.