Travel Insurance Advice For India

India is a popular destination for Australians, who are drawn by the cultural diversity, the incredible history, the colours and the food, as well as the chance to see some amazing wildlife.

Spanning a vast area of the earth, there’s many different landscapes and cultures to enjoy in India. There’s also several parts of the country that aren’t considered safe,¹https://smartraveller.gov.au/Countries/asia/south/Pages/india.aspx so it’s important to plan your India trip accordingly.

Popular things to do on your Indian adventure

Travellers to India are spoilt for choice. Whether you want mountains or beaches, villages or mega cities, nature or culture, India offers it all.

• Create your own tiger tale: India is one of the few countries that offers travellers the chance to see tigers in the wild – but even at dedicated wildlife parks, there’s still an element of luck involved in seeing these elusive, endangered animals. If you do try to see tigers, remember that fatal tiger attacks do occur in India, so choose a reputable guide and always follow instructions about maintaining a safe distance.
• Take in the majesty of the Taj Mahal: It’s one of the world’s most iconic buildings, and for most travellers to northern India, seeing the Taj Mahal is a must-do. However, like many tourist attractions in India, the risk of theft is high, so carry only what you need, pay close attention to your belongings, and protect yourself with travel insurance to replace your stuff in case you do fall victim.
• Cruising the backwaters of Kerala: Hire a houseboat and spend a few days enjoying the peace of rural India – an especially restorative experience if you’ve been overwhelmed by one of the country’s big cities. Take in shady palms, paddy fields and quiet rural villages. Ensure that you hire your boat from a reputable operator and make sure that your travel insurance will cover you in case of any accidents.
• Trekking in the Himalayas: Stunning mountain scenery, orchid forests, giant butterflies, and if you’re exceptionally lucky, even the chance to spot a snow leopard are all part of an Indian Himalaya trekking experience. When planning your trek however, make sure you choose a region that’s safe and go with a trusted operator. Also, don’t forget to purchase travel insurance which could assist in the event of a twisted ankle or other mishaps while walking those mountain paths.

However, it’s important to read the fine print on your travel cover, as some policies may not cover you for hiking above a certain altitude.

• Ride the rails: One of the great legacies of Britain’s rule over India is its impressive rail network. There are numerous routes to choose from, each with their own charms. But as always when travelling in India, be sure to pay attention to your personal safety and keep your belongings secure. Travel insurance could help replace any valuables stolen during your journey.

Potential problems in India

As friendly as India is, there’s a few problems that can beset travellers. Ailments such as heatstroke, Delhi belly, and water and mosquito-borne diseases are common.²As above There’s also civil disturbances, terrorism, and petty crime in some regions – so make sure to check for any issues in your planned destinations before you go.³As above

Travel delays and cancellations are quite common too, and Indian roads can be downright dangerous, with aggressive local drivers and poorly maintained vehicles. Travel insurance is a must-have before arriving in India.⁴As above

What does travel insurance cover in India?

India can be a crazy ride and most tourists will come home with great memories. But it’s a rare Indian traveller that doesn’t at least experience an upset tummy, and some are unlucky to get more seriously ill, have an accident, be a victim of crime or have flights, trains and other travel plans cancelled.

You’re a long way from home in a different culture, so travel insurance is an essential protective measure.

Medical problems

Your policy will cover ambulance transportation, repatriation flights, medical and hospital costs, dental treatment and also in-hospital cash.

Personal liability

If you injure someone or damage property while you’re in India this cover will help you.

Cancellation fees and lost deposits

If you have to cancel or rearrange any part of your trip, then you may lose your deposits and incur cancellation fees. This cover can reimburse you.

Lost or delayed luggage

If your luggage is lost or delayed then you’ll be able to buy replacements.

Lost or stolen possessions

If you lose your luggage during the holiday, then you’ll be reimbursed for the costs of replacing your items.

Travel delays and cancellations

If your travel plans are disrupted by adverse events then you may be entitled to get a payment to cover the expenses of additional meals and accommodation.

Accidental death benefit

If you die on holiday due to an accident then your relatives will receive a benefit payment.

Lost or stolen travel documents

If you need to replace passports or visas during your holiday then the costs are covered.

Rental vehicle excess

If you crash your rental car then you’re covered against the rental company’s insurance excess payment up to the limit specified on your cover

Want to compare travel insurance policies before your trip to India?

Travel insurance can give you that much needed peace of mind during your trip. With iSelect, you can compare travel insurance policies side by side, and select the one which meets your needs. Start comparing today!