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Travel insurance for India from UK
With a long list of world heritage sites, everything from mountains to beaches, and almost 18% of the world’s population, India is a world unto itself. Its wealth of cultural, historical and natural experiences gives you plenty to explore.
But like with any adventure, when you’re out of your comfort zone things can go wrong. That’s where getting specialised travel insurance for India comes in. It offers you protection and support when problems arise.
A lot of visitors to India suffer from the famous Delhi belly, but travel insurance can help with this and much more. Access to medical treatment, and financial protection against theft, cancellations and interrupted travel plans are just some benefits of travel insurance.
Cheap Travel Insurance for India
When you are looking for cheap travel insurance for India, it’s important to compare quotes from multiple insurers. This lets you find insurance faster while making sure you are not paying more than necessary.
Using our quote form lets you quickly compare quotes from 30 experienced UK travel insurance providers with just a few basic details.
How much is travel insurance for India?
There is no uniform cost, but generally speaking travel insurance for India from UK is usually pricier than for European destinations because of higher medical and repatriation costs.
Many factors can affect the cost of your India travel insurance premium, including:
- Your destination in India – Insurers can assess the possibility of accidents and claims in the region you are visiting.
- Your age – Older individuals usually have higher insurance premiums because of an increased likelihood of filing a claim.
- Your planned activities – Participating in high-risk activities like driving motorcycles, trekking, or mountaineering in India can increase costs as you’ll usually need higher levels of protection for these.
- Pre-existing medical conditions – Specific medical conditions can result in higher costs, as insurers see you as more likely to need medical attention.
- Coverage type – The type of cover you need depends on your style of travel. Single trip travel insurance is cost effective for a single holiday, whereas annual travel insurance can be better if you travel multiple times a year, and backpacker insurance covers longer travel times.
If you are travelling with a budget, our guide to making the most of your holiday fund can help you stretch your money on your travels.
Do I need travel insurance for India?
Though not required by law, travel insurance is strongly recommended for your personal and financial security when travelling in India. The level of health care varies across different regions of India, and having insurance with medical coverage helps protect your health while abroad.
Travelling without proper insurance can also expose you to minor expenses like replacing a stolen phone or passport. But it can also leave you liable to much more extreme costs, including medical bills, additional accommodation or flight costs, and legal fees.
What is covered by India travel insurance?
India travel insurance covers you for all the common travel issues including:
- Medical treatment – Covers medical expenses. Tourists can suffer from air pollution, mosquito-borne diseases, and altitude sickness in certain regions of India so medical attention may be necessary.
- Repatriation – Ensures your return to the UK for specialised medical treatment or in the event of death.
- Personal accidents – Offers financial aid for severe injuries like limb loss or blindness.
- Trip curtailment and cancellation – Protects your financial investment if your trip is cancelled or cut short.
- Personal liability – Protection if someone else sustains injuries due to your actions.
- Legal expenses – Aiding with legal fees if you need legal support.
What is not covered by India travel insurance?
Travel insurance for India usually comes with some exclusions to be aware of, like:
- Undeclared pre-existing medical conditions – It’s essential to inform your insurer of any existing medical conditions as failure to do this could leave your insurance invalid.
- Substance use and intoxication: You will usually not be able to claim for any injuries or accidents that happen when you have consumed illegal drugs or alcohol.
- Adventurous activities – Certain high-risk activities might require additional coverage, typically available as an add-on to India travel insurance.
- Terrorism, civil unrest and protests – It’s crucial to be aware of any areas in India that often experience these when you are travelling as they may not be covered under a standard policy.
- Natural disasters – You can check if this is covered in your policy details, especially in disaster-prone regions.
- Breaking the law – Claims resulting from illegal activities will usually be rejected. It’s your responsibility to understand and comply with the laws in the region of India you are visiting.
- Travelling against advice – If the Foreign, Commonwealth & Development Office (FCDO) advise against travelling to a certain area in India, your travel insurance is unlikely to cover your trip. So it’s important to stay updated on this advice before you travel.
What is the best travel insurance in India?
Finding the best travel insurance for India for your trip means tailoring your coverage to your holiday. Your main options depend on your travel style but you can also consider extra levels of coverage that meet your personal needs.
The main options for travel insurance for India include:
- Single trip insurance – Ideal for one-off, short-term visits.
- Annual multi-trip insurance – Covers multiple holidays within a year.
- Backpacker insurance – Suitable for extensive travels across multiple countries.
Additional coverage options for travel insurance for India from UK can include:
- Coverage for pre-existing health conditions – Ensure comprehensive coverage for pre-existing conditions.
- Extra baggage and personal possessions – Opt for increased coverage limits, especially for high-value items.
- Activity coverage – Essential for adventurous activities like paragliding, zip-lining, or trekking.
- Unexpected events – Safeguards against disruptions caused by unforeseen events like terrorist attacks, political protests, or natural disasters.
- Gadget insurance – Can cover multiple devices while you travel.
What laws and customs do I need to know for India?
India has a few laws and customs that differ from the UK, and these can result in legal or personal safety problems if you are not aware of them. These include:
- Alcohol consumption – Different destinations have different regional laws, but generally it is an offence to drink alcohol in public. In some regions, it is completely banned and in others, there are bans during religious festivals and national holidays. Penalties can result in arrests without bail for up to 10 years.
- Vapes – E-cigarettes and vapes are banned and cannot be brought to or sold in India.
- Drugs – Drugs do not have the same classifications as in the UK. And the penalty for possession is a minimum sentence of 6 months, however slow trial processes can result in detention for up to several years.
- Same-sex relationships – Although homosexuality is legal in India, they do not have marriage equality and conservative attitudes can pose risks of harassment and discrimination to same-sex couples.
- Threats to women – Verbal and physical harassment and assaults have occurred on women. Drink and food spiking also occurs and is important to be aware of.
- Photos and videos – Avoid using binoculars and cameras near buildings like airports, military or government buildings as it could be misunderstood as a threat.
Exploring India is better with the peace of mind that great travel insurance gives you. It ensures you are protected against all the common travel issues, and can be tailored to your specific needs.