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Travel Insurance Online

Switch to Reliance General Insurance. Trusted by 5 Crore+ Indians

Travel Insurance

Travel Insurance Online

  • No Paperwork
  • No Medical Check-up
  • 26 Countries 1 Policy
  • Cashless Hospitalisation Worldwide
International Travel Insurance

Plan Details

Secure your travels with Reliance travel insurance plans starting at just ₹306*

Travel insurance is essential for any journey, protecting you from unexpected events. Medical emergencies, lost baggage or a cancelled trip - travel insurance offers peace of mind and financial safety. In today's world, with health concerns and travel disruptions, having travel insurance is more important than ever.

Reliance General Insurance offers various travel insurance plans for every trip. We have a strong claim settlement record, ensuring you get help when needed. Our plans cover everything from medical emergencies to trip cancellations.

Many customers trust us to protect their travels. With premiums starting at ₹306*, Reliance travel insurance products offer maximum coverage with minimal hassle. Buying travel insurance online with us is quick and easy.

Join thousands who trust Reliance General Insurance for worry-free travel. Let us handle the unexpected so you can focus on enjoying your trip.

5 Crore+*
Policyholders

100%*
Claims Settlement

USD 500,000
Max Sum Assured

2-min
Policy Purchase

COVID-19
Covered

What is Travel Insu​​rance, and How Does it Work?

Travel insurance is a policy that covers financial risks from travel emergencies. It protects you from various issues like passport loss, medical emergencies, trip cancellations, lost luggage and other unexpected events. The meaning of travel insurance is to keep you protected in unfamiliar places. It gives you peace of mind throughout your journey.

How does travel insurance work?

  • When you buy travel insurance from Reliance General Insurance, you pay a premium based on your chosen coverage.
  • If a covered event happens, like a medical emergency or trip disruption, you file a claim.
  • We then reimburse you for the expenses up to the policy limits.

Reliance Travel Insurance also offers 24x7 support, emergency evacuation, compassionate visits, a daily hospital allowance, and more. This helps reduce financial risks and ensures you get help when needed.

Make your travel safer and more enjoyable with Reliance travel insurance.

Why Is Travel Insurance Important?

Travel insurance is important for providing financial protection and peace of mind during your travels.

Compulsory Travel Requirements

Many countries, like those in the Schengen area, UAE, and Qatar, require travel insurance for entry. Having the right travel insurance policy is mandatory if you need a visa for these countries.

Medical Emergencies

If you fall ill or get injured abroad, medical treatments can be expensive. Travel insurance covers these costs, including hospital stays. You get the care you need without facing huge bills.

Trip Cancellations

Unpredictable events like illness or natural disasters may force you to cancel your trip. Travel insurance reimburses non-refundable expenses like flights, allowing you to cancel or reschedule without financial stress.

Baggage Loss

Lost or delayed luggage can cause inconvenience. This will lead to extra costs when buying essentials. Travel insurance compensates for these costs, helping you manage your trip smoothly.

Travel Disruptions

Flight delays or missed connections can disrupt your plans and increase the travel costs. Travel insurance covers expenses related to flight delays, missed connections and extra accommodations.

Third-Party Damages

If you accidentally harm or damage others while travelling, you could face financial claims and legal trouble. Travel insurance provides financial coverage for such incidents and protects you from serious legal issues.​

Passport Loss

Losing your passport can be stressful and costly to replace. Travel insurance covers the expenses of getting a new passport. We understand and ease the financial and emotional burden.

Loss of Personal Belongings

If you lose personal items like your phone or jewellery can lead to financial loss and inconvenience during a trip. A travel insurance policy reimburses the costs of replacing or finding them.​

So, why is travel insurance important?

Buying travel insurance in India when travelling abroad is crucial for financial protection. It covers costly medical emergencies, lost luggage and trip cancellations.​

Scams and thefts are common in tourist areas, so having insurance offers peace of mind.

Reliance General Insurance provides comprehensive travel insurance in India with competitive premiums, ensuring you can travel confidently and securely. Buy our plans online today for a worry-free trip.

Types of Travel Insurance Plans in India

Individual Travel Insurance

Coverage: Designed for solo travellers. Covers medical emergencies, trip cancellations, lost baggage, and travel delays.
Benefits: Provides financial protection against unexpected events to individuals travelling alone.

Family Travel Insurance

Coverage: Covers the entire family, including spouse and children. Protects against medical expenses, baggage loss and trip cancellations.
Benefits: Perfect for family vacations. Protects every member of the family under a simple policy.

International Travel Insurance

Coverage: Offers comprehensive coverage for international trips. Includes coverage for medical expenses, trip cancellations and emergency evacuations.
Benefits: Essential for international travel. Protects against high medical costs and other travel-related issues.

Schengen Travel Insurance

Coverage: For travellers visiting Schengen countries. Meets visa mandates, including coverage for medical expenses, passport loss and compassionate visits.
Benefits: Mandatory for a Schengen visa. Ensures you meet visa requirements with full protection.

Student Travel Insurance

Coverage: Tailored for students studying abroad. Covers medical expenses, passport loss, and study interruption.
Benefits: Protects students overseas. Offers peace of mind for both students and their families.

Travel Insurance for Senior Citizens

Coverage: For travellers aged 60 to 90. Covers medical expenses, trip cancellations, and baggage loss.
Benefits: Provides specialised coverage for senior travellers. Ensures they are well-protected during trips.

Single Trip Travel Insurance

Coverage: Covers only one trip end-to-end. Includes medical emergencies, trip cancellations, and lost baggage.
Benefits: Ideal for occasional travellers. Cost-effective for one-time travel.

Multi-Trip Travel Insurance

Coverage: Covers multiple trips within a year. Protects against medical expenses, trip cancellations and missed connections.
Benefits: Perfect for frequent travellers. Saves time and money with continuous yearly coverage.​

How to Choose a Travel Insurance Policy?

Evaluate Coverage Options

Determine what you need coverage for, such as medical emergencies, trip cancellations or baggage loss. Different plans offer various levels of coverage, so choose one that fits your requirements.

Consider Trip Duration and Destination

The length and location of your trip can impact your insurance needs. Ensure your travel insurance coverage extends slightly beyond your planned stay to cover any unexpected extensions.

Check Policy Limits

Understand the maximum coverage limits for medical expenses, personal belongings, and cancellations. Higher travel insurance limits provide better protection but may come at a higher cost.

Compare Premiums

Look at different policies and compare their premiums relative to the coverage they offer. Buying travel insurance online can make comparing options, calculating premiums and finding the best deal easier.

Frequency of Travel

If you travel often, consider a multi-trip policy, which can be more cost-effective and provide continuous coverage throughout the year. However, single-trip insurance will be perfect for those once-a-year vacations. 

Benefits of Travel Insur​​ance Plans

Financial Security

Travel insurance offers financial protection against unexpected expenses such as medical emergencies, trip cancellations, loss of personal belongings and lost/delayed luggage. It helps manage the financial impact of emergencies, avoiding out-of-pocket costs.

Comprehensive Coverage

Travel insurance plans often provide broad coverage, encompassing various travel-related risks and incidents. This all-encompassing protection ensures that you are covered for a wide range of potential issues during your trip.

Peace of Mind

Knowing you are protected against unexpected events provides peace of mind throughout your journey. You can enjoy your trip without constantly worrying about financial losses and what might go wrong.

Easy Accessibility

Purchase travel insurance online and enjoy convenience and quick access to coverage. You can compare and select the best plans from the comfort of your home, ensuring you get the right coverage for your needs.

Support Services

Travel insurance often includes access to 24x7 emergency assistance and customer support. This support ensures you have help available at any time, making it easier to handle emergencies and unexpected situations.

Why Choose Reliance General Travel Insurance?

Reliance General Insurance offers some of the best travel insurance in India to our family of 5​ crore+ policyholders. Our commitment to providing comprehensive coverage, competitive premiums and exceptional customer service sets us apart. Here are some key reasons to choose Reliance travel insurance:

Comprehensive Coverage Options

Reliance General offers extensive coverage for medical emergencies, baggage delay/loss, passport loss, trip delays/cancellations, emergency evacuations, and more.​
Why It Matters: Our comprehensive plans ensure you are protected against a wide range of travel-related risks, providing peace of mind.

Competitive Premiums

Enjoy affordable premiums starting at ₹306* that align with your budget without compromising on coverage.
Why It Matters: Travel can be expensive. Having a cost-effective travel insurance plan can help you manage your overall travel expenses better.

Efficient Claim Settlement Process

Reliance Travel Insurance is known for its hassle-free and prompt claim settlement process,. We boast a high claim settlement ratio of 100%.
Why It Matters: Quick and fair resolution of claims ensures you get the support you need without unnecessary delays.

24x7 Customer Support

Access reliable customer support any time, day or night, ensuring help is always just a phone call away.
Why It Matters: Round-the-clock assistance provides reassurance, accommodates time differences and helps resolve any issues promptly during your travels.

Worldwide Cashless Hospitalisation

We offer cashless hospitalisation not just in India but worldwide. What’s best? You purchase your travel policy in ₹ and get covered in $.
Why It Matters: This extensive network provides timely medical care and support wherever you are, with extensive coverage limits.

Tailored Solutions​

Reliance General Insurance offers customised insurance plans to meet diverse travel needs, whether for individual travellers, families, Schengen countries, senior citizens or students.
Why It Matters: Tailored plans ensure that every traveller receives appropriate coverage based on their specific requirements.

By choosing Reliance travel insurance, you can easily buy travel insurance online and secure comprehensive protection for your trips.

Travel Insurance Plans by Reliance General Insurance

Reliance Travel Insurance plans offer comprehensive protection for all travel needs. Whether it’s a family vacation, business trip, or studying abroad, Reliance General Travel Insurance gives you peace of mind and financial security. With competitive premiums and dedicated customer support, you can confidently buy travel insurance online.

International Travel Insurance

Coverage Options: Comprehensive coverage up to US$500,000 for overseas medical emergencies, trip cancellations, baggage loss, etc.

Key Benefits: Includes cashless hospitalisation, 24/7 emergency assistance, dental cover, personal liability cover and compassionate visit cover.

Ideal For: Travellers going to any international destination, ensuring broad protection in various global locations.​

Schengen Travel Insurance

Coverage Options: This policy offers up to US$500,000 coverage for unforeseen emergencies and visa-compliant benefits while travelling across the Schengen Area.

Key Benefits: Cashless hospitalisation, 24x7 emergency assistance, personal liability cover, coverage valid in all Schengen countries.

Ideal For: Individuals travelling to one of the 29 Schengen Area countries, such as France, Germany, Switzerland or Belgium.

Asia Travel Insurance

Coverage Options: Provides up to US$500,000 coverage for travellers visiting Asian countries (excluding Japan).

Key Benefits: Compensation for baggage loss, passport loss support, hijack distress allowance.

Ideal For: Travelers visiting Asian countries, including the UAE, Qatar, Bahrain, Thailand, Maldives and Indonesia.

Annual Multi-Trip Insurance

Coverage Options: Covers unlimited trips during the policy year with up to US$500,000 coverage.

Key Benefits: Dental treatment, cashless hospitalisation, personal accident cover, missed connections, hijack distress allowance.

Ideal For: Frequent travellers with multiple trips scheduled throughout the year.

Senior Citizen Travel Insurance

Coverage Options: Offers up to US$500,000 coverage tailored for travellers above 60 years of age.

Key Benefits: It covers pre-existing diseases*, accidental death, compassionate visits, and home burglary insurance.

Ideal For: Senior travellers and NRIs inviting their parents for short visits.

Student Travel Insurance

Coverage Options: Provides extensive coverage for students in education, with up to US$ 500,000 in coverage.

Key Benefits: Two-way compassionate visit, study interruptions, bail bond and sponsor protection.

Ideal For: Individuals between 16 to 35 years of age pursuing education abroad.

What's Covered Under ​​Reliance Travel Insurance Online Plan?

Here is a concise overview of what Reliance Travel Insurance plans cover:

Medical Coverage

  • Health-related Expenses:

    Covers medical expenses up to USD 500,000, including hospitalisation, in-patient care, radiotherapy, and X-rays.

  • Dental Treatment:

    Covers up to USD 500 for acute anaesthetic dental treatments needed due to accidents.

  • Transportation Cost: 

    Covers travel expenses to network hospitals or back to India due to medical emergencies.

  • Daily Hospital Allowance:

    Provides USD 25 per day for up to 7 days if hospitalised for more than two consecutive days.

  • Personal Liability:

    Covers up to USD 250,000 for third-party loss/damage caused by your actions.

  • Personal Accident:

    Includes coverage up to USD 30,000 for death or disablement.

  • Repatriation of Mortal Remains:

    Covers expenses for transporting mortal remains back to India.

Baggage Coverage

  • Baggage Delay:

    Reimburses up to USD 100 for expenses incurred due to delayed checked-in baggage.

  • Total Loss of Check-in Baggage:

    Compensates up to USD 1500 for lost checked-in luggage.

Other Journey Coverage

  • Loss of Passport:

    Reimburses up to USD 300 for obtaining a duplicate or new passport.

  • Trip Delay:

    If your trip is delayed by more than 12 hours, this policy covers up to USD 60 per day for a maximum of 6 days.

  • Missed Connections:

    Reimburses up to USD 500 for missed connecting flights and additional expenses.

  • Trip Cancellations:

    Offers up to USD 600 for non-refundable prepaid trip costs if you cancel due to emergencies.

  • Compassionate Visit:

    Covers travel and accommodation costs for an immediate family member if you are hospitalised for more than 7 consecutive days.

  • Financial Emergency Assistance:

    Provides up to USD 300 for loss of funds due to theft or robbery.

  • Hijack Distress Allowance:

    This allowance offers up to USD 125 per day for a maximum of 7 days in case of a hijack.

  • Medical Evacuation:

    Covers costs for medical evacuations due to unforeseen health crises.

    Every travel insurance policy varies in terms of coverage and coverage limits. Make sure to read the policy documents, compare different plans, and choose the one that best suits your needs.

What’s Not Covered Under Reliance Travel Insurance Online Plan?

While Reliance General Insurance’s travel insurance offers extensive coverage, certain exclusions apply. It’s important to understand these exclusions for full transparency. Here are the key exclusions for Reliance Travel Insurance online:

General Exclusions

  • Pre-existing Medical Conditions: 

    Any medical condition or illness that existed before purchasing the policy is not covered.

  • Adventurous Activities: 

    High-risk activities such as bungee jumping, skydiving and mountaineering are typically excluded.

  • Acts of War or Terrorism:

    Losses or damages resulting from acts of war, terrorism or civil unrest are not covered.

  • Self-inflicted Injuries:

    Any injury or illness resulting from self-harm or attempted suicide is excluded.

  • Illegal Acts:

    Injuries or losses incurred while engaging in illegal activities are not covered.

  • Under the Influence:

    Claims arising from incidents where the insured was under the influence of alcohol or drugs are excluded.

Specific Limitations

  • Non-declared Medical Conditions:

    Conditions not disclosed at the time of policy purchase are not covered.

  • Travel Against Medical Advice:

    Travelling against the advice of a medical professional is excluded from coverage.

  • Unapproved Medical Treatments:

    Medical treatments not pre-approved by the insurance provider are not covered.

  • Non-Emergency Treatments:

    Routine check-ups and non-emergency treatments are excluded from coverage.

  • Losses Due to Delay:

    Delays caused by the insured's negligence, such as missing a flight due to late arrival, are not covered.

For more detailed information about our travel insurance exclusions, check out the respective Policy Wordings carefully.

Features of Reliance Travel Insurance

Comprehensive Coverage

Our travel insurance plan protects against medical expenses, trip cancellations, baggage loss, and more. Get extensive coverage for various travel-related risks.

Hassle-Free Claim Settlement

Our efficient and smooth claims process guarantees quick resolution, minimising disruption to your travel plans and promoting reliability.

100% Claim Settlement*

Reliance General Insurance has a high claim settlement ratio and offers reliable claim processing. This gives you peace of mind during emergencies.

No Medical Tests Required

You can buy our travel insurance without pre-issuance medical tests. This makes getting insured simple and convenient.

Instant Policy Issuance

Receive your policy documents instantly upon purchase. Enjoy immediate coverage and protection as soon as you buy.

Coverage up to USD 500,000

Enjoy high coverage limits for medical and travel-related expenses, ensuring substantial financial protection during your travels.

Location-Specific and Visa-Compliant Policies

Our travel insurance online is designed to meet specific destination and visa requirements, such as Schengen visas, ensuring compliance with international travel regulations.

24/7 Customer Support

We offer 24/7 assistance for travel emergencies. Get help whenever and wherever you need it.

Customisable Plans

Customise your insurance plan with add-on benefits. Create a policy that fits your unique travel needs.

Global Assistance Services

Access worldwide support services for medical and travel emergencies ensures you are never alone, with help available globally.

Travel Insurance with COVID-19 Coverage

Travel insurance has always been important. However, after COVID-19, it has become essential to purchase travel insurance that includes COVID-19 protection. Reliance travel insurance policy offers comprehensive coverage for COVID-19-related expenses and access to quality treatment.

  • If you contract COVID-19 while traveling, the policy covers your medical treatment. This ensures your healthcare costs are managed without financial strain.
  • The policy also covers trip cancellations due to COVID-19. If you test positive or face health advisories, it reimburses non-refundable expenses.
  • It also covers quarantine requirements. You get financial support for accommodation and other expenses during isolation.

With these extensive benefits, Reliance travel insurance with COVID-19 coverage lets you travel with confidence. You are protected from unexpected COVID-19 expenses.

Eligibility Criteria for Travel Insurance Plan

Travel insurance eligibility is an important factor to consider when purchasing travel insurance online. Here are the eligibility criteria for Reliance travel insurance plans:

Type of Travel Insurance Plan

Eligibility Criteria

Senior Citizen Travel Insurance

Above 60 years to 90 years

Student Travel Insurance

18 to 35 Years

Annual Multi-Trip Insurance

 18 to 70 years

Individual Travel Insurance

3 Months to 61 years

Family Travel Insurance

Maximum Four Person - self, spouse, up to two dependent children below 21 years

How to Buy Travel Insurance Online?

Purchasing Reliance Travel Insurance is a quick and simple process.

  • Step 1: On our homepage, navigate to Explore Products -> Travel Insurance.

  • Step 2: Select your travel type, mobile number, email address and travel destination.

  • Step 3: Select the desired plan and click “Buy Now”.

  • Step 4: Go through your premium details, enter your personal information and select your preferred mode of payment.

  • Step 5: Once payment is successful, the details of your travel insurance, along with the softcopy of your policy papers, will be sent to your given email address.

Steps to Renew Travel Insurance Online

Note that there is no option for renewal of your travel insurance plan, but you can extend your existing policy. When you buy travel insurance, you buy it with a specific start and end date. However, if your holiday is extended for any reason, it's important also to extend your travel insurance policy to ensure continuous coverage.

Steps to Extend Your Travel Insurance:

Here are the steps to extend Reliance international travel insurance:

It's always better to be safe than sorry! Extending your travel insurance policy ensures you remain protected throughout your extended travels.

If you have queries about how to extend, renew or buy travel insurance online, contact our customer support team.

Claim Procedure for Travel Insurance Policies

Before investing in the right travel policy, it is crucial to understand how travel insurance claims work. At Reliance General Insurance, we have made the claims procedure quick and simple to ensure you get your insurance benefits without any stress as soon as possible. Below are the easy steps to our travel insurance claim procedure:​

  • Step 1: In the event of an emergency, inform Reliance General Insurance within 24 hours to inform them about the claims. You can do so via call or email.
  • Step 2: To avail yourself of a worldwide cashless facility, call the listed international toll-free numbers or landline numbers based on your destination. The countrywide list of our partners is below.

    Country

    Toll-free Emergency Assistance Number

    Netherlands

    00+800-99441111

    Italy

    00+800-99441111

    USA

    18337426673 (ITFS)

    UK

    00+800-99441111

    Australia

    0011+800-99441111

    Canada

    011+800-9944 1111

    China

    00+800-99441111

    Taiwan

    00+800-99441111

    Belgium

    00+800-99441111

    Poland

    00+800-99441111

    Norway

    00+800-99441111

    France

    00+800-99441111

    Germany

    00+800-99441111

    Hong Kong

    001 or 006+800-99441111

    Thailand

    001+800-99441111

    Malaysia

    00+800-99441111

    Japan

    001-010+800-99441111

    Argentina

    00+800-99441111

    Sweden

    00+800-99441111

    Portugal

    00+800-99441111

    Singapore

    00+1800-99441111

    New Zealand

    00+800-99441111

    Austria

    00+800-99441111

    Czech Republic

    00+800-99441111

    France

    00+800-99441111

    Denmark

    00+800-99441111

    Switzerland

    00+800-99441111

    Hungary

    00+800-99441111

    Greece

    86002038017 (ITFS)

    Israel

    00 or 014+800-99441111

    South Africa

    00+800-99441111

    Spain

    00+800-99441111

    Philippines

    00+800-99441111

  • Step 3: In case of reimbursement claims, you must submit a duly filled and completed claims form along with the specified documents to the below-mentioned address below:

    Reliance General Insurance

    National Toll-Free No: 1800-209-55-22

    Landline No. +91-22-67347843/44

    Fax: +91-22-6734-7888

    Email ID:reliance@europ-assistance.in

    Address (for submitting reimbursement claim documents)

    Reliance General Insurance, Claims Department, C/O Europ Assistance India Pvt. Ltd., C-301, Business Square, Andheri Kurla Road, Chakala, Andheri (E), Mumbai - 400093, India.

  • Step 4: Reliance Care or Europ Assistance will verify the claims and mark them as approved, repudiated, or additional documents needed.
  • Step 5: Once your claim is approved, your benefits or compensation amount will be released.

Documents Required ​​for Travel Insurance Claim Procedure

KYC Process:

When buying your travel insurance coverage, complete the KYC process as per IRDAI guidelines.

Claims Form:

Submit a completed and signed Form 60 or PAN along with the specified documents. The relevant claim form is available here.

Proof of Travel:

Please provide your original ticket or boarding pass and a copy of your passport showing your travel dates.

Transporting Mortal Remains:

Submit an official death certificate and a registered physician's statement regarding the cause of death.

Lost Passports:

Provide a copy of the police report filed within 24 hours of the theft and copies of bills incurred for obtaining a new passport.

Lost Checked-in Baggage:

Submit a Property Irregularity Report or similar documentation from the airline and a letter stating the compensation amount.

Personal Liability:

Provide official proof of a judicial decision rendered by the judicial body.

Financial Emergency Assistance:

Submit a copy of the police report filed within 24 hours of the theft or robbery.

Medical Reports:

Include all medical bills, reports or vouchers for emergency hospitalisation or medical treatment.

Invoices/Receipts:

Submit all additional invoices and receipts related to the claim.

For more details, check out the complete list of documents to claim travel insurance benefits.

Benefits of Buying Tra​​vel Insurance Online

Ease and Convenience

Buying travel insurance online is simple and hassle-free. You can select and purchase a policy from your smartphone or computer right from the comfort of your home.

Easy Comparison

Online platforms allow you to compare multiple travel insurance policies easily, helping you choose the best one for your unique needs and budget.

No Intermediaries Required

By purchasing your travel policy online, you avoid paying commissions to insurance agents or intermediaries. You buy directly from us securely and reliably.

Paperless Purchase

Enjoy all the benefits of travel insurance without the need to manage countless policy papers, ensuring a streamlined and eco-friendly process.

Instant Policy Issuance

Enjoy your travel insurance benefits instantly without waiting days in advance. The online process enables you to receive your policy within minutes.

Exciting Discounts

Buy travel insurance online through Reliance General Insurance and save on premiums with attractive discounts.

How to Compare Travel Insurance Online

Different travel insurance plans have different benefits and address different insurance requirements. By comparing travel insurance online, you can select a policy that fits perfectly with your coverage requirements and budget. Here are some factors to consider when comparing online travel insurance policies in India:

Range of Coverage

Evaluate the level of coverage provided by each policy. Pay close attention to inclusions and exclusions to ensure the policy meets your coverage needs.

Reliance Travel Insurance Advantage: Get comprehensive coverage, including medical expenses, trip cancellations, baggage loss, dental cover, compassionate travel and more.

Unique Region or Visa Mandates

Check if the policy meets specific location or visa requirements, such as the Schengen visa mandate for at least €30,000 medical coverage.

Reliance Travel Insurance Advantage: Find a location—or visa-specific policies, like Asia and Schengen Travel Insurance, to ensure you meet all travel and legal requirements.

Targeted Coverage for Specific Policyholders

Certain travellers, like senior citizens and students, require specialised coverage. Look for plans that cater to these unique needs.

Reliance Travel Insurance Advantage: Enjoy targeted features like study interruption and sponsor protection for students, as well as specific illness and accident coverage for senior citizens.

Claim Limit/Coverage

The claim limit, coverage or sum insured is the maximum amount you can claim. Ensure the policy offers adequate financial coverage for your travel needs.

Reliance Travel Insurance Advantage: For extensive financial support, choose from multiple sum insured options with coverage of up to USD 500,000.

Cashless Hospitalisation

Look for policies offering cashless hospitalisation at your travel destination. This feature ensures you receive immediate medical care without upfront payments.

Reliance Travel Insurance Advantage: Get quality care with worldwide cashless hospitalisation at trusted and registered healthcare facilities globally.

Claim Procedure

Examine the claims settlement process of each policy. Choose one with a straightforward and efficient procedure.

Reliance Travel Insurance Advantage: Benefit from a 100% claim settlement ratio* and quick claim settlement time for a smooth claims experience.

Policy Terms & Conditions

Carefully review the terms and conditions of each policy. Ensure they align with your travel requirements and expectations.

Reliance General Travel Insurance Advantage: You can avail of clear and transparent policy terms, ensuring all conditions are aligned with your travel needs.

​​​

Also Read: Compare Reliance Overseas Travel Insurance Plans.

Things to Consider While Buying Travel Insurance Online

Age

Travel insurance policies differ based on the age of policyholders due to their varying coverage requirements.

Reliance Travel Insurance: offers a specialised Senior Citizen Health Insurance policy with unique coverage features and limits for policyholders over 60.

Enough Coverage

Ensure the policy provides sufficient coverage for medical expenses, trip cancellations and other potential travel risks.

Reliance Travel Insurance: offers comprehensive coverage up to USD 500,000, including medical expenses, trip cancellations, and more, ensuring extensive protection.

Visa-Specific Requirements

If you are visiting a Schengen Area country, you need to have a minimum of €30,000 travel health insurance requirements.

Reliance Travel Insurance: offers comprehensive Schengen travel medical insurance up to €50,000 that stays valid across the Schengen Area.

Policy Exclusions

Carefully read through the policy exclusions to understand what is not covered. This will help you avoid surprises when filing a claim.

Reliance Travel Insurance: provides clear and transparent policy terms to ensure you are fully aware of what is and isn’t covered.

Customer Reviews

Check customer reviews and testimonials to gauge the insurer’s reliability and customer service quality. Positive reviews indicate a trustworthy insurer.

Reliance Travel Insurance’s: average rating of 4.9 out of 5 reflects high customer satisfaction and reliable customer service.

Insurer Reputation

Choose an insurer with a strong reputation and a high claims settlement ratio. A high CSR indicates efficient claim handling.

Reliance Travel Insurance: offers a 100% claims settlement ratio*, ensuring a smooth and stress-free claims process.

​​​

Factors That Affect Travel Insurance Premium

Age

Younger travellers typically pay lower premiums compared to older travellers due to the lower risk of health issues.

Trip Duration

The length of your trip directly affects the premium. Longer trips generally result in higher premiums due to the extended risk period.

Destination

Travelling to high-risk areas or countries with higher healthcare costs can increase your premium. For example, trips to the USA or Europe often cost more.

Number of Travellers

The total number of travellers covered under a plan also impacts the cost of insurance premiums. Generally, individual policies are cheaper than family travel plans.

Coverage Limits

Higher coverage limits for medical expenses, personal liability or trip cancellations will increase the travel insurance premium.

Add-On Benefits

Optional or add-on coverage increases your premium. Thus, when you buy travel insurance, pay attention to the type and number of optional coverages.

By considering these factors, you can make an informed decision when you purchase travel insurance and ensure you get the best value for your coverage needs.

Steps to Calculate Travel Insurance Premium Online

Estimating travel insurance premiums before purchasing a policy is a smart way to buy travel insurance without exceeding your budget. At Reliance General Insurance, you can use our official travel insurance premium calculator to determine the premium cost of your selected policy.

Here are the steps to follow:

  • Step 1: Go to the Travel Insurance Premium Calculator page.​
  • Step 2: Enter your age, phone number, and other details.
  • Step 3: Enter other information requested on the screen, such as coverage requirements, individuals you want to insure, and so on.
  • Step 4: Once done, click "Get Price" to retrieve an estimated premium price.

Tips to Reduce Your Travel Insurance Premium

Purchase Online

When you buy travel insurance online, you bypass the intermediaries and their fees, leading to a lower premium. In addition, you can also avail of great discounts.

By purchasing directly from our website, you can avail of up to 40% discounts at Reliance General Insurance.

Customise Your Travel Insurance

We understand your budget concerns and thus allow you to customise your plans according to your requirements.

This means you can adjust your premiums by adding or eliminating insurance benefits.

Buy Family Insurance

If you are travelling with your family, purchase a family insurance plan to cover all the members.

A family travel insurance plan is cost-effective and easy to manage, as you don't have to deal with multiple policies.

Go for Multi-trip Travel Insurance

If you are a frequent traveller, purchase travel insurance with multi-trip coverage. You can reduce travel insurance premiums with an Annual Multi-Trip Insurance instead of a single-trip plan for each visit.

Also Read: How to Save Money and Plan for an International Trip?.

Countries Where Travel Ins​​urance Abroad is Mandatory

Travel insurance is a mandatory requirement for foreign travellers in most countries. This means that your visa will not be processed unless you submit a travel insurance certificate.

Some of the population destinations where travel insurance is mandatory are:

Mandatory Schengen Travel Insurance

Schengen Visa requires a travel health insurance policy of a minimum sum assured of EUR 30,000. The list of Schengen countries includes:

France

Italy

Spain

Netherlands

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Germany

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Sweden

Portugal

Poland

Belgium

Finland

Switzerland

Iceland

Latvia

Austria

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Mandatory Travel Insurance from India for Popular Countries

Travel Insurance United Arab Emirates

Travel Insurance United States of America

Travel Insurance for Turkey

Travel Insurance Seychelles

Travel Insurance Qatar

Travel Insurance Fiji

Travel Insurance Cuba

Travel Insurance Russia

Travel Insurance Morocco

Travel Insurance Nepal

Travel Insurance Argentina

Travel Insurance Georgia

Travel Insurance Lebanon

Travel Insurance Moldova

Travel Insurance Israel

Travel Insurance Jordan

Travel Insurance Iran

Travel Insurance Ecuador

Travel Insurance Antarctica

 

Also Read:Is Travel Insurance Dubai Mandatory?

Travel Insurance for Popular Countries

Most Popular Travel Insurance Myths

Myth #1:  I am healthy and disease-free. I don't need travel insurance.

Fact: Travel insurance is not only for health-related emergencies. It protects you from all kinds of unforeseen events. Get coverage for trip delays, baggage loss, passport loss, etc., that may arise on your trip.

Myth #2: Travel insurance is only necessary for frequent travellers.

Fact: Whether you are a frequent traveller or looking forward to a single trip, travel insurance is important for all types of travel. Travel-related emergencies can happen even if you take one vacation in a year.

Myth #3: Travel insurance should be purchased only if it is mandatory.

Fact: Travel insurance is strongly advised even if it is not a compulsory requirement for your destination. Get coverage for medical emergencies, flight cancellations, etc. Travel insurance is also important for senior citizens, pregnant travellers, students studying abroad, etc.

Myth #4: Travel insurance is expensive.

Fact: Travel insurance is an essential investment into your well-being in a foreign country. You can compare and buy travel insurance online that fits your budget. For instance, you can buy travel insurance from Reliance starting at just ₹48.20 per day.

Myth #5: There is no travel insurance available for senior citizens.

Fact: Reliance General Insurance offers dedicated travel insurance plans for senior citizens. If you are over 60, you can purchase our Senior Citizen Travel Insurance. It offers targeted protection, such as cover for one illness and one accident.

Myth #6: You only need travel insurance if you are planning to participate in risky activities.

Fact: It is only partially true. Travel insurance offers financial coverage for unforeseen injuries and medical expenses. It also covers other events like personal accidents, trip delays, missed flights, personal liabilities, theft, loss of belongings, plane hijacks, and more.

Common Travel Insuran​​ce Terms Simplified for You

Sum Insured

The maximum amount you can claim in case of an unforeseen scenario covered by your travel insurance policy.

Cashless Hospitalisation

Allows you to receive treatment at designated hospitals without paying upfront, as the insurer settles the bill directly with the hospital.

Multi-Trip Travel Insurance

Insurance policies offering coverage for multiple trips during the policy tenure, generally one year.

Reimbursement

The process of receiving the agreed amount from the insurance provider for a filed claim.

Add-Ons

Optional insurance products offering extra coverage, like medical evacuation, adventure sports coverage and maternity coverage.

Premiums

The one-time amount paid by the policyholder when purchasing a travel insurance plan.

Emergency Financial Assistance

Financial support provided in case of cash loss due to theft, robbery or similar incidents.

Baggage Delay Coverage

Financial coverage for expenses, such as clothes, toiletries and medicines, incurred due to delayed baggage arrival.

Baggage Loss

Compensation for the total loss of checked-in luggage by the airline up to a pre-agreed limit.

Trip Cancellation Cover

Reimbursement for non-refundable expenses if your trip is cancelled due to covered reasons like illness or emergencies.

Hijack Cover

A distress allowance provided if your plane is hijacked, typically covering daily expenses during the hijack period.

Personal Liability Cover

Coverage for legal liability in case you cause injury to others or damage their property during your trip.

Personal Accident Cover

Compensation for accidental death or permanent disability during the trip.

Daily Allowance for Hospitalisation

A daily allowance provided if you are hospitalised for a specified number of days during your trip.

Compassionate Visit Cover

Coverage for travel and accommodation expenses for a family member to visit you if you are hospitalised for an extended period.

Missed Connections Cover

Reimbursement for additional expenses incurred due to missing a connecting flight because of unforeseen events.

Disclaimer

*T&C apply. Details mentioned here are for Reliance Travel Care Policy, UIN: RELTIOP08002V010708.
Premium: The premium mentioned is excluding taxes for a medical sum insured of $25,000 for an Individual of 20 years on an Asia trip of 4 days. This is applicable for Asia plan only.
Sum Insured: The mentioned Sum insured amount is applicable only under Reliance Travel Care Policy, Platinum Plan.
Total loss of checked baggage: Maximum amount payable per checked-in baggage in case more than one bag has been checked in, is 50% (100% for only one checked-in baggage) of applicable sum insured and per item in baggage maximum 10%.
Claim settlement Ratio: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.
Policyholder count: The total no. of customers insured data is for FY24 and has been picked up from the internal source that highlights the number of lives insured column available in the Premium Register for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation, Crop Insurance, Weather LOB, Fire LOB and other LOBs.

Travel Insurance Articles​

Relevant Links for Travel Insurance

Travel Insurance | International Travel Insurance | Student Travel Insurance | Senior Citizen Travel Insurance| Annual Multi-Trip Insurance

Travel Insurance for Top Destinations

USA Travel Insurance | Thailand Travel Insurance | Dubai Travel Insurance | Canada Travel Insurance | Schengen Travel Insurance | Singapore Travel Insurance | Vietnam Travel Insurance | Travel Insurance United Kingdom | Bali Travel Insurance | Australia Travel Insurance | Malaysia Travel Insurance

Average Rating:

4.9(Based on 329 ratings)

Showing 10 reviews

  • “Impressive coverage options.”

    Reliance General Insurance offers excellent coverage at very reasonable prices! I was pleasantly surprised by the comprehensive coverage that is provided at such competitive rates.

    Mr. Himanshu Marwal20 January 2025, Nainital
  • “Easy Comparison & Purchase!”

    Purchasing my Reliance travel insurance was incredibly quick! Their online portal is easy to navigate and  I was able to quickly compare plans and select the one that best suited my trip!

    Mr. Ramanji2 January 2025, Bengaluru
  • “Budget-friendly”

    Budget-friendly policy options

    Mrs. Sevika Mshetty26 December 2024, Panchkula
  • “Hassle-free Buying Process”

    Effortless process with Reliance Travel Insurance

    Mr. Naveen Chanderbhatt19 December 2024, South West Delhi
  • “Suitable Choice”

    A suitable choice for Travel insurance

    Mrs. Madhu Smita Parida18 December 2024, Rangareddy
  • “Impressive range of add-ons.”

    Reliance General Insurance offers comprehensive travel insurance with a wide range of coverage options. I was impressed with the range of add-ons available.

    Mr. Abijith Chandrap16 December 2024, Kottayam
  • “Convenient & user friendly website”

    I appreciate how user-friendly the Reliance General Insurance website is. I was able to easily customise my travel insurance policy to match the specific needs of my trip.

    Ms. Madhusmita Parida6 December 2024, Rangareddy
  • “Budget-Friendly Premiums”

    Budget-Friendly Premiums with Reliance Travel Insurance

    Mr.Roshan Kumar21 November 2024, South West Delhi
  • “Amazing benefits”

    Amazing benefits of Travel Insurance Plan

    Mr.Himanshu Marwal16 October 2024, Nainital
  • “Peace of Mind”

    Experience total peace of mind through this policy

    Mr. Nilesh Rajendra Girase18 September 2024, Thane
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