Travel insurance is a safety net that can help you deal with problems that come up out of the blue while you're travelling. It can help if you have to cancel your trip, have a medical emergency, lose your luggage, or have other unplanned expenses. There are many risks from the time you leave for your trip until you get back home; travel insurance can give you peace of mind by providing financial coverage for them. If you're planning a trip outside India, check out ACKO's travel insurance plans!
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Travel Insurance
Travel Insurance plans are designed to keep you covered from unexpected bumps along the way, whether you're going on a quick getaway or an epic adventure. At ACKO, we have options for everyone, from solo travellers to families, seniors to little ones, to help you buy a suitable plan! Plus, you can easily buy ACKO travel insurance online from your home. And when it comes time to make a claim, we've made that super simple, too. In fact, over 1,02,000 Indians chose ACKO’s travel insurance last year, with baggage delays accounting for nearly one in every four claims.
From protecting you against baggage loss or flight delays during a trip, a Travel Insurance policy offers several benefits. Listed below are some of the benefits of a travel insurance policy:
Over 4 billion bags are checked annually, but 28 million are mishandled via human and technical errors.
Post-COVID-19, hospitalisation costs have increased by 30% globally.
Baggage loss, damaged baggage, and delayed checked-in baggage are some old-age problems.
Approximately 300,000 passports are lost or stolen annually while travelling abroad.
Missed connections, missed flights, and delayed flights are extremely common in tourist-heavy countries.
Nearly 50% of international travellers experience some kind of health issue during their trip.
You can easily buy travel insurance online with ACKO. Some of the key facts that you should know about travel insurance are tabulated below:
| Category | Specifications |
| Starting Price | ₹10/day* (Affordable coverage for every budget) |
| Age Eligibility | 90 days to 70 years |
| Countries Covered | Over 150 countries and islands outside India |
| Duration of Coverage | 2 days to 180 days |
| Covered Benefits | Trip cancellations, Hospitalisation, Accidental emergencies, Adventure sports, Baggage loss, Death, Passport loss, Emergency Evacuation & Repatriation |
| Claim Process | Simple online travel insurance claim process for quick and easy claims |
| Claim Settlement Time | Typically processed and settled within 2 business days |
| Time to Purchase | Instant travel insurance online option—get insured in minutes |
| Customer Support | Call us on 18338138772 (for US) and on 022-69635374 (for other regions) email us at [email protected] for any queries or assistance. |
ACKO's travel insurance policy is full of features that are meant to make your trip stress-free and simple to handle. This is what makes our plans unique:
With our network of hospitals worldwide, you can enjoy the convenience of cashless hospitalisation benefits no matter where you are. And if needed, we also offer reimbursement options under our plans.
You won't need to undergo medical screening before purchasing our travel insurance. This means you can get travel insurance without any delays or extra procedures.
When you make a claim with ACKO, you don’t have to worry about paying anything upfront. We directly settle the eligible expenses, ensuring your travel insurance coverage works seamlessly when you need it the most.
Wondering about travel insurance costs? At ACKO, we provide basic travel insurance plans starting at just ₹49 for a five-day trip, which comes to about ₹10* per travel day. Perfect for those looking to purchase travel insurance without breaking the bank.
When a claim is filed with ACKO, we get to work right away. To get you back to doing what you love as soon as possible, without any unnecessary delays or hassles, we will do whatever it takes to settle your claim.
We know that every traveller is different. Whether you’re a student, a senior, a solo traveller or going with your family, our online travel insurance plans can be customised to suit your needs.
When it comes to choosing the right travel insurance, it’s important to know what sets ACKO apart from the rest. Our plans are made to give you a lot of useful benefits, quick claim settlement, and safety that covers a lot of ground while you're travelling.
Here’s a side-by-side comparison of some of our standout offerings:
| List of Benefits | ACKO Travel Insurance | Other Insurers |
| Accidental and Illness IPD | No extra charges for consumables, no limit on room rent, or an SI limit on dental treatments | Additional charges apply for consumables, capping on room rent and limited SI for dental care. |
| Flight Delay | Fixed payout, covers delays for all legs of the journey, excluding rescheduling. | Covers delays over 12 hours with reimbursement upon bill submission. Applies only on return trip; one claim per policy. |
| Trip Cancellation | Minimum 2-day hospitalisation required. Cancellation due to pre-existing diseases is covered. | Minimum 3-day hospitalisation. Cancellation due to pre-existing diseases is not covered |
| Missed Flight | Covers most reasons (new flight ticket within 48 hours and a no-show certificate required.) First flight should have taken off | Only on missed connecting flights |
| Missed Connecting Flight | Covers all legs of journey | Only on return journeys, limited to one claim only |
| Delay/Loss of Checked-in Luggage | No bill needed for checked-in luggage delays over 3 hours. Fixed payout. | Bills needed for checked-in luggage delays over 6 hours. Indemnity payout |
| Denied Boarding/Check-in (Bounced Booking) | Covers any reason | Covers bookings made 7+ days from departure/hotel arrival |
| Adventurous Sports | Injuries/hospitalisation due to adventure sports are covered | Most insurers do not cover injuries that occur during adventure sports. |
| Deductibles | Zero out-of-pocket charges | Additional charges apply |
Here are the common travel insurance plans available in India:
International travel insurance is your trusted companion when you’re heading overseas. It offers protection against medical emergencies, lost luggage, flight delays, and more. If you're travelling outside India, this is the travel insurance policy you should consider.
Travelling within India? Domestic travel insurance plans provide coverage for cancellations, missed connections, and other mishaps so you can enjoy peace of mind while exploring India.
If you’re going on a one-time journey, single trip insurance ensures that you’re protected from start to finish. It protects you for a certain amount of time, usually from the day you leave home to the day you come back. What is great is that it protects you from things that could go wrong during that trip. It includes medical, trip, and baggage-related covers under one comprehensive travel insurance umbrella.
Frequent flyers will love the convenience of multi trip travel insurance plan. It saves time and money by covering all your trips within a specified period without the need to buy travel insurance online every time. It is also a cost- and time-saver.
Travelling with family? This plan covers all your loved ones under one family travel insurance. From kids to seniors, everyone gets financial protection while travelling.
Perfect for corporate travel or group vacations, group travel insurance simplifies the process by offering a single policy that protects all members during the trip.
For those going on work trips, a business travel insurance plan offers protection against common risks like flight delays, baggage loss, and medical emergencies while keeping your business goals on track.
Heading abroad for education? Student travel insurance ensures you're protected against medical emergencies, passport loss, study interruptions, and more because focusing on your future shouldn’t come with worries.
This plan is for our experienced travellers and takes into account their age-related concerns, giving them peace of mind while they travel. Senior citizen travel insurance covers all the benefits of regular travel insurance. However, the quotes for senior citizens are much higher than regular plans.
Anyone going to a Schengen country must have Schengen travel insurance for a Schengen visa. The Schengen area is made up of 29 countries, and most people from outside Europe need a valid visa to enter, which means they need travel insurance. You can move visa-free to all the 29 countries. The benefits are similar to those of overseas travel insurance, and it is one of the best plans for people going to those areas.
Here’s what your travel insurance covers when things don’t go as planned:
While it’s unpleasant, accidents can happen while travelling abroad. If you are accidentally injured during your trip and require medical treatment, resulting in hospitalisation, we will cover the expenses up to the policy's maximum limit travel medical insurance.
Getting sick is a common occurrence while travelling due to changing surroundings. But sometimes, the illness can be serious and may require hospitalisation. Thus, travel-related hospitalisation expenses are reimbursed up to a policy limit under travel insurance.
If you are hospitalised due to illness or injury while you are travelling, your daily allowance will be covered for a certain number of days, up to the policy's limits and terms, as per your travel insurance policy.
If you get hurt during your travels, rest assured that the cost of required physiotherapy after an accident will be covered under the terms specified in the travel insurance policy.
You will be reimbursed for the costs related to any OPD treatments, tests or consultations required within the specified policy duration due to an illness or injury contracted/suffered during a trip.
It covers the cost of two-way tickets for a family member to visit the insured person's place of hospitalisation during the travel period.
If you experience a catastrophic event while travelling, you may need emergency evacuation. Your travel medical insurance reimburses the expenses for transporting the insured person by air or land during the travel period.
An accident (that has occurred overseas) during the travel period solely and directly results in the insured person’s death within 365 days from the date of the accident, will be covered as per the travel insurance policy.
An accident (that has occurred overseas) may cause permanent, partial, or total disability. If a disability occurs within a year of encountering an accident, you will receive compensation based on the terms of the policy.
In case of the insured's unfortunate demise due to injury or illness suffered while travelling, we will repatriate the mortal remains from the location of death to the person’s home, as per travel insurance policy terms.
If the insured person needs to stay in a hotel due to a medical emergency, we will pay for it up to the amount specified in the travel insurance or travel insurance policy.
Even a few hours without your luggage can be extremely inconvenient. But that’s what many travellers face when their baggage gets delayed due to misplacement or some other reason. But worry not! If you get caught up in such a situation, we will pay you a lump sum as per the travel insurance policy.
Losing your luggage entirely can be a huge problem while travelling. Our travel insurance India plan provides a fixed payment for your checked-in baggage's partial or total loss.
We believe that even a small loss is still a loss. We will pay the amount listed in the policy schedule if any of the following things happen:
If your booked flight is delayed beyond the specified number of hours in the policy schedule from the scheduled departure or arrival time, your travel insurance will reimburse you as per the limits.
If your travel plans are cancelled for reasons beyond your control due to an unavoidable reason like an accident or hospitalisation, we will reimburse you the costs as per the terms of our insurance plan.
If you miss your flight and book a new one within the specified time with the required documentation, you can claim reimbursement through your insurance policy.
If you have to reschedule a flight because of an accident, illness, or any other reason listed in our policy, your travel insurance coverage will pay up to the limit of the plan for booking a new flight.
What if you lose a connecting flight due to the delay of the first flight? Our travel insurance policy covers such situations by covering the cost of booking a new flight within the policy's terms.
Losing a passport in a foreign country can put you in serious trouble. Our travel insurance policy will cover the application fees and documentation expenses for you to get a duplicate one.
If you're into adventurous activities, our holiday insurance or travel insurance plans offer coverage for hospitalisation caused by such activities.
If you are denied boarding a flight or hotel check-in, we will cover the cost of rebooking under the insurance plan. This is included as an optional benefit in our travel insurance policy, so you don’t end up paying extra for unexpected inconveniences.
Even though travel insurance covers many risks, certain situations are excluded. Here's what’s not covered under our travel insurance policy:
*Note: This list is not exhaustive. It is crucial to read the fine print of your travel insurance policy document for a complete list of inclusions and exclusions.
ACKO covers you through every twist and turn of your journey, including COVID-19. Since the pandemic began, we've enhanced our travel insurance policy to include COVID-related incidents under our medical insurance benefits. Here is a full list of all the areas that our travel insurance plan covers, in case you are not sure:
If the insured person or their travel companion is diagnosed with COVID-19 and has to cancel their trip, we will reimburse you a non-refundable amount of your ticket costs. This benefit applies when you buy travel insurance from us and declare your trip details accurately.
If you or your travel companion is diagnosed with COVID-19 and has to cut the trip short, we will reimburse you an amount for the prepaid expenses of travel, which are non-refundable. This is part of our extended travel insurance benefits.
If you are hospitalised with COVID-19 outside India, we will cover medical expenses up to the limit specified in your travel medical insurance plan. This includes doctor visits, diagnostic tests, and inpatient treatment.
It is important for you to go through the basic requirements before buying a travel insurance plan in India. The requirements may vary, depending on the coverage you opt for with your travel insurance policy. However, these basic requirements would remain the same.
Buying travel insurance online from ACKO is super simple and hassle-free. Here’s a quick step-by-step guide to help you get covered in just a few clicks:
Click here and choose your destination.
Specify your trip’s start and end dates
Pick the types of coverage you want
Provide details and pay the fee
An instant travel insurance policy will be generated and immediately sent to your email ID.
Filing a claim with ACKO is straightforward and quick. We understand that time is essential when dealing with travel mishaps, so we've made our travel insurance online claim process as smooth as possible.
Filing a claim doesn’t have to be stressful. Whether it’s a medical emergency or a delayed flight, ACKO has simplified the entire travel insurance claim process.
Take a look at this to understand the steps involved:
Do you need to adjust your travel plans? With ACKO, extending your travel insurance policy is just as simple as buying one. If your trip is unexpectedly extended, our process ensures uninterrupted coverage.
Follow these steps to extend your coverage:
Log in to the ACKO app using your registered mobile number.
Navigate to the ‘My Policies’ section and select your active travel insurance policy.
Tap the ‘Edit Policy’ option to update your travel dates.
Submit the changes. Based on the extended duration, pay any additional premium online.
Once the process is complete, a revised travel insurance document will be emailed to you instantly.
*Note: Always double-check the information before submitting, especially when you purchase travel insurance online, to avoid claim delays or rejections.
As a travel insurance buyer, you should aim to pay the lowest possible insurance premium to get maximum coverage. The following tips will help you reduce your travel insurance premium.
Here are the key factors to consider when comparing the best travel insurance India online:
Pay close attention to the'sum insured,' the maximum amount of coverage, when comparing travel insurance quotes. This vital information ensures that you have the necessary financial security for the trip. For instance, some countries will not give you a visa unless you can prove you have adequate coverage with your travel insurance.
It is important to compare the levels of protection offered by different policies when buying travel insurance. Think about what kinds of protections you might need on your trip and budget accordingly. In this way, you can ensure that you have adequate coverage for your trip that is specific to your needs.
Look into the claim process to understand how difficult or easy it can be to raise a claim. The easier the claim process, the better. Also, consider the Turnaround Time (TAT) for claim settlement, as faster settlements can offer added peace of mind during your travels.
Claims are settled based on the applicable terms and conditions. Before choosing a travel insurance policy, take the time to familiarize yourself with the terms and conditions governing claim settlements. Knowing these terms in advance ensures you're well-prepared and informed about how claims are processed.
Last but not least, don't forget to check if the insurer offers cashless travel insurance, like ACKO does. Cashless travel medical insurance can provide added convenience and financial security during your trip.
Many countries around the world require visitors to have a valid travel insurance before they are allowed to enter. This is especially common in regions where medical treatment is expensive or where visitors are expected to have a safety net in place. Here's a list of countries where having travel insurance is mandatory:
| Country | Travel Insurance Requirement |
| Schengen Area (29 European countries) | EUR 30,000 (₹28,53,900) coverage that includes the entire Schengen nation |
| The United Arab Emirates | Travel insurance is required |
| Cuba | You need to get travel insurance if you want to visit Cuba |
| Turkey | Travelling to Turkey requires travel insurance. |
| Algeria | Travellers need to show proof of insurance that includes medical coverage |
| Aruba | You need to buy travel insurance |
| Seychelles | Required travel insurance |
| Moldova | Travellers must have adequate insurance |
| Morocco | Required travel insurance |
| Togo | Proof of travel insurance is required for entry |
| Jamaica | Travel medical insurance required |
| Georgia | Required travel medical insurance |
| Ecuador | Travel medical insurance is mandatory |
| Lebanon | Travellers must have travel insurance for entry |
Here are a few basic travel insurance terminologies that one must know before planning to buy travel insurance:
| Terminology | Definition |
| Premium | The amount you pay to the insurance company to purchase the travel insurance. |
| Policyholder/Insured | The person who buys the travel insurance. |
| Coverage | The specific protection or benefits provided by the travel insurance. |
| Policy Period | The duration for which the travel insurance is in effect usually starts from the departure date and ends on the return date. |
| Claim | Request for payment based on the terms of the travel insurance policy. |
| Trip Cancellation | Coverage for trip cancellation due to unforeseen events such as illness, injury, or natural disasters. |
| Trip Interruption | Coverage for non-refundable expenses incurred if your trip is interrupted or cut short due to covered reasons. |
| Trip Delay | Compensation for additional expenses resulting from a delayed departure, typically after a certain number of hours. |
| Baggage Loss/Delay | Compensation for lost, stolen, damaged or delayed baggage during your trip. |
| Medical Coverage | Covers medical bills if you get sick or hurt while travelling. |
| Emergency Medical Evacuation | Coverage for emergency transportation to the nearest medical facility or back home in case of a severe medical condition. |
| Pre-existing Condition | A medical condition that existed before purchasing the travel insurance, which may or may not be covered depending on the policy terms. |
| Deductible | The amount you are responsible for paying out of pocket before the insurance coverage kicks in. |
| Exclusions | Specific situations or events not covered by the travel insurance. |
| Inclusions | Specific situations or events covered by the travel insurance. |
| Hazardous Activities | Activities that are considered risky, such as extreme sports or certain adventure activities, may require additional coverage or be excluded from standard travel insurance. |
| Terrorism Coverage | Protection against trip disruptions or losses caused by acts of terrorism. |
| Missed Connection Coverage | Compensation for additional expenses incurred if you miss a connecting flight due to a covered reason. |
| Travel Assistance Services | 24/7 help for emergencies, hospital referrals, or rebooking through your travel insurance policy. |
| Proof of Loss | Documentation required to support a claim, such as police reports, receipts, or medical records. |
| Cancel for Any Reason (CFAR) | A coverage that lets you cancel your trip for any reason and get some of your money back. |
| Coverage Limits | The maximum payout allowed under your travel insurance for various benefits. |
There are several myths and misconceptions surrounding travel insurance that can stop travellers from getting the protection they need. Let’s debunk the most common ones so you can make better, informed decisions before you buy travel insurance.
Reality: This is far from the truth. Travel insurance doesn’t just cover medical emergencies. It also protects you against trip cancellations, delays, lost baggage, missed connections, and even passport loss.
Reality: Not at all. ACKO offers travel insurance plans starting as low as ₹49 for five days, just about ₹10 a day*! The cost is minor compared to what you might spend without coverage.
Reality: It’s easy to file a claim with ACKO’s online travel insurance process. Email us at [email protected] or call us at 1833-813-8772 (for the US) and 022-69635374 (for other regions) to submit a claim. Within 2–3 days, we will process and settle your claim.
Reality: Every travel insurance policy has limitations and exclusions. It's crucial to read the policy details carefully and understand what is and isn't covered.
Reality: Some benefits, like trip cancellation, are time-sensitive. It’s always better to get travel insurance as soon as you book your trip.
Reality: Short trips can still face unexpected issues like flight delays, lost baggage, or medical emergencies. Opting for insurance ensures you stay covered, no matter the duration.
Reality: Familiar destinations can still pose risks. A good travel insurance can help with unforeseen events, like sudden illnesses or accidents, even when visiting places you've been before.
Reality: Buying travel insurance online is as simple as ordering food. Just select your plan, fill in a few details, pay, and you’re covered.
Reality: The cheapest policy might not offer adequate protection. It’s always best to opt for comprehensive travel insurance that fits your trip needs.
*Note: Please note that travel insurance policies are meant to help protect your finances and give you peace of mind while you travel. Choose a policy that meets your needs and read the terms and conditions to avoid surprises in the event of an emergency.
Before you buy travel insurance, you may have some questions, no matter how often you fly or if this is your first trip. Here are some answers to questions that people often have about travel insurance in India:
Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.
*Baggage cover for Asia costs ₹10/day
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Reviewed by Lokesh Shetty 
Acko Technology & Services Private Limited
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