If you're planning a trip, check out ACKO's travel insurance plans! They're designed to keep you covered from unexpected bumps along the way, whether you're going on a quick getaway or an epic adventure. We have options for everyone—from solo travellers to families, seniors to little ones! Plus, you can easily purchase your insurance online from the comfort of your home. And when it comes time to make a claim, we've made that super simple, too.
Affordable plans
starting at ₹49/day*
Online claim settlement
within 2 days
Zero deductibles
pay nothing in a claim
Travel Insurance
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 giving financial coverage over them.
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.
| 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 process for quick and easy claims |
| Claim Settlement Time | Typically processed and settled within 2 business days |
| Time to Purchase | Instant online purchase—get insured in minutes |
| Customer Support | Call us at 01246174722 or email us at [email protected] for any queries or assistance. |
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.
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.
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.
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.
In case of a catastrophic event while travelling, you may need emergency evacuation. Such expenses for transporting the insured person by air or land during their travel period are reimbursed as per the policy terms.
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, we will cover the amount specified in the policy schedule.
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 policy terms.
If the insured person needs to stay in a hotel, we will pay for it up to the amount specified in the policy schedule. This applies if the Insured Person or a co-traveler is injured, ill, or hospitalised.
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 amount as per the policy terms.
It’s one thing to get your baggage with a little delay, but losing your luggage entirely creates a huge problem while travelling. But our policy can help you handle this issue. As per the terms of the policy, we provide a fixed payment for the partial or total loss of your checked-in baggage.
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, we 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 trip insurance plan.
If you miss your flight, we will pay you the policy schedule amount if you book a new flight within the specified hour with a no-show certificate.
If you have to reschedule a flight because of an accident, illness, or any other reason listed in our policy, this 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 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 online travel insurance policy will cover the application fees and documentation expenses for you to get a duplicate one.
For adventure junkies, our online travel insurance policy offers coverage for an adventure sports injury that requires hospitalisation during your trip as per the terms of the policy.
If you are denied boarding a flight or denied entry to your hotel during check-in, this feature will cover the cost of rebooking.
*Note: Please remember that this is not a complete list of the exclusions and inclusions; hence, you are advised to read every description in your policy document carefully.
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.
You won't need to undergo medical screening before purchasing our travel insurance policy. You can focus on enjoying your trip without any unnecessary stress.
When you claim from ACKO, you do not pay anything. ACKO will pay for your travel, medical, and emergency assistance costs as per the conditions specified in our policy.
Wondering about travel insurance costs? At ACKO, we provide basic travel plans for only Rs. 49 for a five-day term, which is equivalent to approximately Rs. 10* per travel day.
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 understand that everyone has different preferences, so we want to offer you choices that perfectly fit your needs. Thanks to our flexibility, you can select the best cover for you without any trouble.
| 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 |
Buying travel insurance online from ACKO is very simple and easy. Just follow these steps:
Pick the type of coverage you want.
Choose your destination and specify your trip's start and end dates.
Provide details about yourself and your fellow travellers and pay the fee.
An instant travel insurance policy will be generated and sent to your email ID immediately.
Here are the steps you need to take to submit a claim:
Extending your coverage at ACKO is very simple and can be done in a few minutes. To update your travel dates, please follow the below steps:
Log in to the ACKO app with your mobile number.
Select your travel policy under ‘My Policies.
Edit your travel dates by tapping the ‘Edit Policy’ icon.
Submit changes. Pay any additional charges or receive a refund in 2-3 days.
Here are the common travel insurance plans available in India:
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 best travel insurance 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.
Here are the key requirements required to buy travel insurance in India:
Some countries require you to have travel insurance policies before you can enter. Take a look at the table below to see which countries require it.
| Country | Travel Insurance Requirement |
| Schengen Area (29 European countries) | EUR 30,000 coverage that includes the entire Schengen nation |
| The United Arab Emirates | Travel insurance is required |
| Cuba | You need to purchase 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 purchase travel insurance |
| Seychelles | Required travel insurance |
| Moldova | You need adequate travel insurance |
| Morocco | Required travel insurance |
| Togo | Required for entry |
| Jamaica | Travel medical insurance required |
| Georgia | Required travel medical insurance |
| Ecuador | Travel medical insurance is mandatory |
| Lebanon | You need to purchase travel insurance if you want to visit |
ACKO covers you through every twist and turn of your journey, including COVID-19. Since the coronavirus pandemic started, we have made sure that our travel insurance covers COVID-19. 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.
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.
If you are hospitalised with COVID-19 outside India, we will reimburse your hospital costs and medical expenses up to a certain limit mentioned in the policy schedule.
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 policy. |
| Policyholder/Insured | The person who buys the travel insurance policy. |
| Coverage | The specific protection or benefits provided by the travel insurance policy. |
| Policy Period | The duration for which the travel insurance policy is in effect, usually starting from the departure date and ending on the return date. |
| Claim | Request for payment based on the terms of the 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 policy, 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 policy. |
| Inclusions | Specific situations or events covered by the travel insurance policy. |
| Hazardous Activities | Activities that are considered risky, such as extreme sports or certain adventure activities, and may require additional coverage or be excluded from the standard policy. |
| 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 support services provided by the insurance company, including help with medical emergencies, travel arrangements, and other related issues. |
| 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 amount the insurance company will pay for specific types of losses or expenses. |
Certainly, there are several myths and misconceptions about travel insurance. Let's debunk some of the common ones:
Reality: Travel insurance covers more than just medical emergencies. It can protect you against unexpected trip cancellations, delays, lost luggage, and more.
Reality: Travel insurance is actually very affordable, especially when compared to the cost of a normal trip. ACKO has budget-friendly basic travel insurance plans for Rs. 49 for 5 days, which is about Rs. 10 per day*.
Reality: It’s very easy to file a claim with ACKO. Email us at [email protected] or leave a message at 01246174722 to submit a claim. Within 2–3 days, we will process and settle your claim.
Reality: Travel insurance policies have 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 coverage, have time-sensitive requirements. You should get travel insurance as soon as possible after making your reservation.
Reality: Short trips can still face unexpected issues like flight delays, lost baggage, or medical emergencies. Travel insurance can provide peace of mind for any trip duration.
Reality: Familiar destinations can still pose risks. Travel insurance can help with unforeseen events, like sudden illnesses or accidents, even when visiting places you've been before.
Reality: Buying the best travel insurance is straightforward. Get the ACKO app or visit www.acko.com to get started. Click on "Travel" and fill in the required fields. Once payment is done, your policy document will be sent directly to your email.
Reality: Opting for the cheapest travel insurance policy may provide limited coverage. It's crucial to balance affordability with the level of protection you require.
*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.
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.
*₹10 per day - Baggage cover for Asia costs ₹49 for up to 5 days.
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Reviewed by Lokesh Shetty 
Acko Technology & Services Private Limited
#36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka 560102
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