The thing about travel insurance in general is that you really never know if you’ll be covered until you submit that claim.
The other thing about insurance is that you buy it hoping you never have to use it during your first trip to India!
But if the unfortunate time comes that you DO have to use it… you will probably be glad that you did buy it!
Because just knowing that you bought it may help to relieve some stress during an otherwise stressful situation. (Since it’s probably only because of a stressful situation that arises that you’d have to use it!)
What’s the best travel insurance for India?!
It’s not really possible to make sweeping generalizations about which travel insurance is best, because there can be different factors and it will depend on what’s most important for you.
I’m American and I have used World Nomads travel insurance for India (and other countries), and plan to for my next trip to India too. I’m now a partner of World Nomads.
The information on this page is generally speaking, and based on my experience and thoughts!
So be sure to check out what the current information is straight from the source.
Travel insurance for Americans
For specific information about India travel insurance for Americans, see here for what’s covered and how much it costs.
This includes information about delayed baggage, lost luggage, trip cancellation, medical expenses, and more.
Travel insurance for everyone else!
If you’re from the UK, Canada, Australia, or another country, see here for what’s covered and the cost too, just make sure to go to the part that says you’re not a US resident and input your country!
What makes World Nomads different from other travel insurance companies?!
Aside from the travel insurance actually working (I was reimbursed after my stay in another part of Asia was extended because of a natural disaster – natural disasters can happen in India too), what’s the reason I like this travel insurance company?!
There are a couple of big reasons.
It’s for active travelers
One reason is that they cover a pretty wide range of physical activities.
This also offers coverage under the standard plan for high altitude hiking too. (aka if you plan on hiking in the Indian Himalayas!)
Although if you want coverage for a REALLY high altitude in the Himalayas in India or Nepal, you’ll need to move up to the explorer plan.
But depending on which part of the Himalayas you go to, the standard plan WILL cover it. (Check to make sure it’s still the same when you buy the insurance though! It can also vary by country.)
And in general, I find the World Nomads standard plan to be quite generous for the activities that are covered, when some insurance companies won’t even cover a leisurely bicycle ride around Mumbai! (Yes it’s possible to go for a leisurely bike ride in Mumbai. 😉 Try Marine Drive! I’ve been cycling in Mumbai, Udaipur, Goa, and Kerala!)
Allianz is a popular travel insurance company in the US, and the last I looked, I found that they didn’t cover bicycle rides.
You can buy travel insurance after your India trip has started
The other main reason I really like World Nomads is because you can buy travel insurance even when you’re on the road.
This means that if you failed to buy insurance before you leave home, and you decide when you’re in India that you want insurance, you can get it!
Or, if you are on the road and end up making your trip longer than expected, you can buy more insurance too. I’ve done this a couple of time now.
There are other travel insurance policies that can ONLY be bought BEFORE your trip begins. (Again, when I checked Allianz, it was like this and this isn’t unusual for travel insurance companies.)
Although, don’t expect to be fully covered if you’re buying travel insurance AFTER you find out you’re in the path of a typhoon. It more or less applies to unexpected issues during your travels!
And finally a slightly smaller but still good reason…
It’s travel insurance made FOR travelers BY travelers
That sounds corny, but it’s true. 😉
It’s also recommended by top travel brands including the Lonely Planet.
How much does travel insurance for India cost?!
Once again, this can vary based on different factors.
Most notably, the length of your trip and the country you’re from.
See here to see how much it will cost for you.
HAPPY INDIA TRIP PLANNING!
The need-to-know India travel tips!If it's your first trip to India, be sure to see these tips for getting around India on a budget, and more! You might wait until India to buy this mosquito repellent that works for many foreigners! Also be sure to see how to spend one month in South India and 2 weeks in North India, as well as tips for the Golden Triangle. And, overnight sleeper bus travel isn't so bad, and neither is traveling in general class on the train! Also see the easy way to get an e-visa. And this is the easy way to book train tickets online as a foreigner. I've used it, and it's simple! You can just show the e-ticket on your phone.
There are affiliate links on this page that lead to partner websites.
How to book India train tickets online as a foreignerIf you don't want to go through the complicated process of setting up an IRCTC Indian railways account as a foreigner...
Then the most convenient way to buy train tickets online is through this booking website. I've used it, and it's super simple! You buy the ticket, and then show the electronic version on your phone once you're on the train. Compared to buying directly through an Indian ticket booking website (IRCTC account required) or directly at the train station in India, there is a small convenience fee, as well as a less flexible cancellation policy, though!