Travel insurance India

India is one of the most majestic countries of the world. Rich in history and spiritual discovery, it’s a country where you’re bound to have a spiritual reckoning yourself. But don’t take Mozo’s word for it! It’s an experience waiting for you to uncover. Just remember – before leaving Australia and stepping foot in this ancient land you’ll need to consider purchasing overseas travel insurance.

Why do I need to purchase travel insurance for visiting India?

Mozo’s rule of thumb is, no matter where you travel to in the world, unforeseen circumstances can happen for the worse, so why take the risk?

From needing medical attention, treatment for dehydration as a result of Delhi-belly, nursing an injury, to flight delays or cancellations. The consequences could cost you thousands if you don’t take out the right level of travel insurance.

Basic or Comprehensive?

The good news is, if you’re rushed to hospital with a medical emergency, you’ll be covered, even on a basic policy. But for all extras, including accidental death, loss of income and permanent disability and costs accrued from flight delays, you’ll need comprehensive travel insurance for India.

Paying just that little bit more means you’ll get the policy you need to cover the extra expenses you really didn’t plan for. In the end, as a traveller you hope that all runs smoothly, because no one wants something to go wrong. But if it does, you want travel insurance to be in your favour, so purchase comprehensive, at the minimum.

What’s so good about Comprehensive travel insurance?

If you lose money on cancellation of tours, flights or over booked accommodation, your comprehensive policy will cover you. Also, if circumstances that are beyond your control such as a death, redundancy or illness even before you leave Australia, which means you need to cancel a pre-booked trip, your policy will cover any cancellation fees or non-refundable deposits.

Comprehensive may give you an allowance to purchase emergency clothes and toiletries, should your luggage go missing or is delayed. Even if your luggage is damaged or stolen, your policy will cover the cost of its repair or replacement.

Other benefits in purchasing comprehensive insurance may include rental vehicle insurance excesses, cash theft, the loss or theft of important travel documents, public liability and more. As each travel insurance company may offer something slightly different, always double check with the company you choose, what you’re covered for.

What’s the cost for Travel Insurance to India?

The cost of your travel insurance will depend on a number of factors: your age, number of travellers, the length of your trip and whether you want basic or comprehensive cover.

Using Mozo’s travel insurance quote comparison tool, here are some examples of travel insurance India prices at the time of writing.

10 Day Holiday Basic Comprehensive
Single Aged 25 InsureandGo Bare Essentials- unlimited medical and hospital- $2000 luggage and personal effectsCost: $38.30 Fast Cover - Standard- unlimited medical and hospital- $5000 luggage and personal effects- Unlimited cancellationCost: $52.50
Couple aged 50 Virgin Money Basic- unlimited medical and hospitalCost: $78.22 InsureandGo Silver- unlimited medical and hospital- $6,000 luggage and personal effects- $15,000 cancellation feesCost: $98.07
1 month holiday
Single Aged 25 Kango Cover Joey- $5 million medical and hospitalCost: $40.49 DU Insure Backpackers International- unlimited medical and hospital- $2,000 luggage and personal effects- $2,500 cancellation feesCost: $96.36
Couple aged 50 Essential- unlimited medical and hospital- $2,000 luggage and personal effectsCost: $139.52 Southern Cross Travel Insurance Single Journey- unlimited medical and hospital- $50,000 luggage and personal effects- $100,000 cancellation feesCost: $226.00

India travel must knows

Your health is important

No matter where you travel in the world, there’s always the possibility of being exposed to some sort of disease or health hiccup. And when travelling through India you’ll quickly recognise that standard OHS or health standards are very different than what we have in Australia. But the key to travelling away from home is to arm yourself with the best knowledge you can get in protecting yourself from hidden nasties.


Sounds like a script from a movie, but Delhi-belly is very real. At least potentially. Food handling may be different to what we and our tummies are used to, but there’s no reason to avoid going on a taste-bud safari! So many incredible colours and flavours, you’d be silly to explore an incredible country and not experience their culinary delights also.

Be prepared by stocking up on diarrhea-stop medication. You can get this over-the-counter at the airport before you leave Australia if you forget to buy some earlier. It’s also a good idea to purchase portable electrolytes, either in effervescent tabs or powder sachets to help prevent dehydration. If symptoms persist, see a medical practitioner and keep all receipts in case you need to make a claim.

If you’re not brave enough to explore the street vendors, there are plenty of reputable restaurants that will serve you great food.

Tap water is a no-no

No matter how hot and sweaty you get, no matter how clean it seems the water flows from the tap – Don’t. Drink. It. Your hotel may offer you one serving of free daily bottled water as a courtesy. Use this to brush and rinse your teeth with, and stock up throughout the day and night with more bottles of water as you pass corner stores and supermarkets. You’re going to need it.

Mozzie attack

What’s the point in going on vacation if you’re going to get slugged with severe flu-like symptoms and extreme fever? Malaria and dengue fever has a nasty bite and there’s nothing that can protect you other than a good tropical strength repellent.

Don’t leave it till last minute! Purchase some before you leave Australia and apply it once your plane lands in India. Since you’ll get hot and sweaty through the day, you may need to reapply. A good idea is to bring along with you plug-in mosquito repellants for the evening when you sleep as good backup. Long-sleeve lightweight fabrics will also help you the fight against the mozzie.

Get your shots

Vaccinations are imperative for some countries, especially traveling to India. You’ll need a shot for Hepatitis A, Typhoid and Tetanus. A good idea is to visit your GP well in advance before your trip to have the right level of vaccination. Also a good time to check if you need anything else.

Femme fatale

In some parts of India, women are highly regarded. But in most parts, unfortunately it’s the contrary. Safety for women is a major concern for locals, let alone travellers. Mozo recommends that you go with a traveling partner and not alone. It’s difficult for us to admit this, but it’s preferable that your travelling partner is male. You’ll hear of some stories where some women had no problem whatsoever traveling there alone or with a female partner. But this is a risk we’d prefer that you avoid.

There are very stringent dress codes and customs you need to respect. Rebelling against them may only put you in danger and can cause quite a public outcry, violence, gang rape or even arrest. Hard to believe that this is the land that gave birth to mid-drift saris, exhilarating Bollywood and kama sutra! As shocking as these revelations sound, they are very real possibilities, so exercise caution where you can. Here are some extra tips on staying safe as a woman in India:

  • Your clothing: Save your bikini and cute summer dress for Ibiza. While in India, dress the Indian way. Avoid exposing any skin other than your hands, feet and face. If you decide on walking the markets, be prepared for groping, vulgarity and insults. Sadly, some uneducated folk believe that women are up for grabs, no matter what. Wear long, loose baggy lightweight clothing and you’ll blend in nicely. Sort of.
  • Pre-booked tours: Avoid public transport. Hire a private driver instead, or better still, book a tour. And certainly don’t walk alone anywhere, especially at night. Your best and safest sightseeing will be with a pre-booked tour that you organise with your travel agent. You can explore this historical and gracious land with safety and peace of mind.


Not something you really want to take into consideration when travelling to India, but certainly something you want to be aware of. Avoid visiting the Kashmir region near the Pakistani border as it’s unstable. Double check with if your overall Indian destination is considered safe. If it’s not, then your travel insurer may not cover you, even for a basic policy.

If things are looking bad

If you’re not all smiles and roses, then chances are, something wrong has happened. Depending on which travel insurance policy you purchase, your insurer may offer 24-hour assistance lines that you can phone from anywhere in the India.

These helplines will guide you through your problem and help you find a solution. that you can access assistance whenever you need it. Your over-the-phone consultant should help you help you locate medical centres, consulates and embassies.

Spiritual enlightenment

The Taj Mahal. Yoga. Meditation. Holy cities. Ancient art. There’s so much to see and so little time! From famous ancient structures, heritage-listed marvels, you’ll basque in all the glory that is the iconic image of India. From exploring India’s majestic offerings to joining an ashram, there’s so many ways to seek a deeper you.

If you’ve booked a tour guide take you through, then they’ll probably cover some of these. But if you have some extra time, why not check this list of fun and interesting things to do while traveling India:

  • Transform your body and mind through yoga
  • Explore a spices market
  • See some Bollywood on the big screen
  • Watch some live cricket
  • Trek the peaceful Himalayas.


You’ll need a visa to travel to India. See if your travel agent can arrange it for you, otherwise go to this comprehensive site on how to purchase before traveling to India:

General Travel Insurance India Tips

Read. The. Fine. Print. No matter which cover you purchase, there will always be provisos that you need to adhere to make your claim valid.

Level of cover Not every country you travel to will require the maximum overseas travel insurance. But in India your cover should depend more on pre-existing medical conditions or whether you have enough cover for stolen luggage or if your flights get cancelled.

Excess fees In the end, what you pay in excess fees can affect the overall outcome. Cheap travel insurance usually comes with a nasty financial bite that could really hurt, so why not go for an overseas travel insurance policy that’s not necessarily the most expensive but one that’s a little more in-between.

Pre-existing medical conditions So you have a pre-existing medical condition? Now’s the time to let your travel insurance company know about it, especially before purchasing your policy for travel to India. If you develop a condition after your purchase your travel insurance policy and you haven’t left Australia yet, you may be able to cancel it and then buy the right one to cover you every step of the way.

How do I report an incident? If it’s a motor vehicle accident where property is damaged, your fault or not, you’ll need to contact the police and obtain a report. Be aware, some countries will require you to pay a fine. If the amount seems excessive, you may be able to barging down the price. If it’s medical attention that you need, then you will need a medical report that explains what happened. As soon as you’re able, get in touch with your overseas travel insurance company so that they’re aware of your situation from the start.

License to drive and more Don’t have a license to drive motorbikes in India? Then the short response to that is: Don’t drive! Your travel insurance policy won’t cover you. And especially don’t hire or drive a vehicle that’s unregistered. If language is a barrier and you’re uncertain, then it’s best to cab it around or hire a driver for the day. It will cost far less than having to cover medical bills on your own.

Drinking overseas Whether you’re partial to drinking one or two cocktails at a time or far more, the best way to conduct yourself when going out on the town is with caution. The legal system is most likely to be far stricter in the rest of the world when it comes to alcohol or drug related offences, so best to drink sensibly.

What to do if you need to submit a travel insurance claim

It’s okay if you do. We understand that sometimes things just don’t go as planned, especially when you’re travelling to the exotic lands of the Indian continent. That’s why we’ve compiled an easy to follow list on how to get your claim started:

  • Check under the bed, in the kitchen drawers, on your desk – anywhere for your travel insurance number – you’re going to need it.
  • Visit your travel insurance company’s website.
  • Locate the Travel Claim section.
  • Fill this out and submit it either online or print and post.
  • Were you asked to submit more documents like copies of your receipts or police reports? You can attach them as files or post them with your application by mail.

How long should I wait to hear back?

It could be anything from 2 days to 10 days before you hear back after lodging your travel insurance claim form. If you’re uncertain that it went through ok, or want to chase the progress, just give them a call. They’d be more than happy to help.

When can I make a claim?

You can make a claim as soon as you like, but it’s recommended that you lodge your form ASAP. The last thing you want is to lose track of all the paperwork you need.

Travel insurance reviews

If you need a little nudge in the right direction to find the best travel insurance for your trip to India, read a few reviews about other traveller’s personal experience. That way you get the most objective overviews about the travel insurance policies out there.

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