Is Travel Insurance Really Worth It in 2025?
Let’s face it — travel in 2025 isn’t what it used to be. Delayed flights, sudden visa rules, medical emergencies, and lost baggage are more common than ever. And if you’re an Indian traveller heading abroad, buying the best travel insurance in India 2025 isn’t just a good idea — it might just save your trip and your wallet.
But with so many options out there, you’re probably wondering: Is travel insurance actually worth it in 2025? Or just another travel add-on people skip?
Let’s break it down.
Why Travel Insurance in India Matters More Than Ever
- Rising medical costs abroad – A single ER visit in the USA can cost ₹2 lakh or more.
- Travel requirements – Many countries now mandate travel insurance for visa approval, especially Schengen and Thailand.
- Lost baggage and missed flights – You could be stuck with zero compensation without proper coverage.
- Pandemic leftovers – Some travel insurance even covers COVID-19 quarantine costs.
So yes, travel insurance in India is no longer optional — it’s your trip’s safety net.
What Does Travel Insurance Actually Cover?
Travel insurance plans offers variety of things like:
Medical Emergencies
- Hospital bills
- Surgeries
- Evacuation or repatriation
Travel Delays & Cancellations
- Flight cancellations or delays
- Missed connections due to weather or technical issues
Lost or Delayed Baggage
- Compensation for lost items
- Emergency essentials during baggage delays
Personal Liability
- Covers you if you accidentally damage property or injure someone abroad
COVID-19 Coverage (Select Plans)
- Some best medical travel insurance plans cover COVID tests, treatment, or hotel quarantine
Top Benefits of Having Travel Insurance in 2025
- Peace of mind when travelling
- Visa compliance for Schengen, Thailand, USA, Singapore, Dubai, Vietnam
- Saves you from unpredictable expenses
- Protects you from trip cancellations or health issues
Many travellers shared their horror stories on Instagram — delayed flights, stolen passports, and medical emergencies. The ones with insurance were covered.
Buying Travel Insurance Online in India: A Step-by-Step Guide
It’s easier than ever to buy travel insurance online. Here’s how:
Step 1: Choose your destination
Some policies are specific to regions like the USA, Europe (Schengen), or Southeast Asia (Thailand, Vietnam, Singapore).
Step 2: Compare Policies
Use platforms like:
- Policybazaar
- Coverfox
- Insurancedekho
Step 3: Check the Coverage
Ensure the plan includes:
- Medical up to $500,000
- Trip cancellation
- Baggage loss
- COVID-19 protection (optional)
Step 4: Choose Reputable Providers
- Tata AIG Travel Insurance
- HDFC ERGO
- ICICI Lombard
- Bajaj Allianz
Best Travel Insurance for Different Destinations
Travel Insurance for Schengen Visa
- Choose plans with minimum €30,000 medical coverage.
- Best options: Tata AIG, Religare, ICICI Lombard
Travel Insurance for Thailand
- Most budget travellers skip it — huge mistake.
- Look for: Low-cost COVID-inclusive plans
Travel Insurance for USA from India
- Extremely important due to high medical costs.
- Best plans: Best medical travel insurance from HDFC, ICICI
Travel Insurance for Singapore, Dubai, Vietnam
- Not mandatory, but strongly recommended. Especially useful for baggage loss or trip delays.
- Try: Bajaj Allianz or Tata AIG travel insurance
Best Travel Insurance in India 2025
| Provider | Key Features | Ideal For |
| Tata AIG | Strong global network, COVID cover | USA, Schengen |
| HDFC ERGO | Digital claim processing, emergency assistance | Thailand, Singapore |
| ICICI Lombard | Low premium, great baggage loss coverage | Dubai, Vietnam |
| Bajaj Allianz | Quick online purchase, cruise coverage available | Cruise travellers |
| Religare Travel Care | Wide hospital network, value plans | Budget backpackers |
Tips from a Travel Influencer: Mistakes to Avoid
As a travel influencer, here are some examples:
- One couple on their honeymoon in Thailand lost baggage. No insurance = huge cost.
- A friend traveling to Italy was denied a Schengen visa — he forgot to attach travel insurance.
Tip: Always keep your policy in your email and print one physical copy.
Also, if you’re building your travel Instagram highlight cover, include “Insurance” in your travel prep highlight — it’s a great reminder for followers!
Recommended Travel Essentials from Amazon
Travel insurance isn’t the only thing you should pack. Here are some affiliate products that go perfectly with your insured trip:
Passport Holder
Protects your passport, insurance, boarding pass.
Buy on Amazon
Travel Document Organizer
Keep your insurance papers, ID, tickets, and cash all in one place.
Buy on Amazon
Neck Pillow for Long Flights
Avoid stiff necks on delayed or long-haul flights.
Buy on Amazon
FAQs
Yes, you need a policy with at least €30,000 coverage.
Absolutely. Even 3-day trips can go wrong.
Tata AIG and HDFC ERGO are great picks.
It’s optional but highly recommended.
Yes, via websites like Policybazaar or insurance providers directly.
Tata AIG and HDFC ERGO are highly rated.
Religare offers good budget-friendly plans.
Yes, but only if specified in the policy.
Yes, companies like Bajaj Allianz offer this.
Go for high medical coverage — HDFC or ICICI plans are great.
Is Travel Insurance Worth It in 2025?
Yes — travel insurance is not just worth it, it’s essential.
Whether you’re a casual vacationer or a full-time travel influencer, buying the best travel insurance in India 2025 will protect you from sky-high costs, trip delays, and visa nightmares.
The few hundred rupees you spend today could save you thousands tomorrow.
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Thank you all for joining me on this wonderful journey through the blog of “Best Travel Insurance in India 2025: Is It Worth It”
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