Travel Insurance for India

Author: Melissa A.

Published: March 20th, 2024 | Updated: March 20th, 2024
Read time: 5 mins

India captures the hearts of hundreds of thousands of Canadians more and more each year. This budget-friendly destination has lots to offer. Known for its cultural diversity, historical landmarks, hospitality, wellness tourism, various landscapes for adventure tourism, and state-of-the-art medical facilities for medical tourism, it’s quite a tourist destination. Similarly, Canada is a preferred destination among Indians. Canada’s cultural diversity, tourist attractions, quality of life, work, and educational opportunities attract hundreds of thousands of Indians who want to vacation, visit, work, or study yearly. No matter which country you travel to, plans can get derailed unexpectedly. Travel insurance protection can keep your trip on track.

Do I need travel insurance for India?

Travel insurance for India is not a requirement for your trip, but it is strongly encouraged when travelling abroad. Your Government Health Insurance Plan (GHIP) is limited and will provide little to no coverage for international medical expenses if faced with a medical emergency. Also, many countries will only treat you if you have travel medical insurance (known as emergency medical) coverage or can pay medical expenses upfront and out of pocket.

Additionally, travel insurance (often referred to as India travel insurance) can reimburse you for non-refundable trip costs if your trip is unexpectedly cancelled or interrupted due to a covered reason indicated in a policy, for example, cancelled and delayed flights, missed connections, accommodations, rental car damage, excursion, and event tickets. It can also compensate you for lost, stolen or delayed luggage and essential covered items up to a limit indicated in a policy when you file a claim. A travel insurance company will also provide 24/7 travel assistance as part of a plan.

What does India travel insurance cover?

Travel insurance depends on your unique travel needs and can cover various financial risks and losses you cannot afford to lose. The type of coverage you choose is entirely up to you. India trip insurance can cover unforeseen medical expenses, emergency evacuation, trip cancellations and interruptions, lost or delayed baggage, lost passports, and more.

Before purchasing travel insurance for India, determine your travel concerns and what you need coverage for. Also, consider what coverages you already have, such as through your corporate benefits program, travel rewards credit card, etc., as you may only need to buy supplemental coverage. Tailor a plan by incorporating options and add-on coverages, such as coverage for pre-existing conditions.

How much is travel insurance to India?

Travel insurance for India from Canada will cost an average of 4%-10% of your total prepaid, nonrefundable trip cost. Risk factors that affect trip cost include the age of the traveller(s), the number of travellers, trip duration, and the level of coverage. Destination, whether high-risk or remote, limits, deductible, options, and add-ons will also increase your premium. To determine how much travel insurance for India will cost you, have your trip details ready and get a personalized quote from us online.

Which travel insurance is best for travellers from Canada to India?

Health insurance for India travel is the most important travel insurance coverage Canadian travellers should have, containing medical evacuation, repatriation benefits, and the pre-existing condition benefit if necessary. Emergency medical insurance for India is essential because your Government Health Insurance Plan (GHIP) will likely not pay your medical expenses abroad. If you want the most comprehensive travel insurance, all-inclusive insurance is the best option. It includes multiple coverages such as emergency medical, trip cancellation and interruption, baggage loss and delay in a single policy. If you travel to India to study internationally full-time, student travel insurance is the best option as it typically includes emergency and non-emergency medical benefits.

Do visitors to Canada from India need travel insurance?

Travel insurance for visitors to Canada from India is not a requirement when travelling to Canada, but it is strongly recommended. Unfortunately, Canada’s Government Health Insurance Plan (GHIP) available to Canadian citizens or residents does not provide medical coverage to overseas travellers, whether you are coming here to vacation, visit family, work, or study.

What does travel insurance from India to Canada cover?

If you experience an unforeseen medical emergency while visiting Canada, you must pay emergency medical costs upfront and out of pocket, which can cost upwards of tens of thousands to millions of dollars. When you have Visitors To Canada travel insurance coverage, you can get reimbursed for emergency medical and non-emergency medical expenses. For example, India to Canada travel insurance can cover ambulance transportation, x-rays, hospital and physician care, prescription drugs, and emergency dental work. Ensure you closely read a policy document’s details to know what medical costs are and are not covered when you buy a Visitors To Canada (VTC) plan.

How much is Canada trip insurance for visitors from India?

Canada trip insurance for visitors from India will cost an average of 4%-10% of your total prepaid, nonrefundable trip cost. Trip cost is affected by risk factors such as the age of the traveller(s), the number of travellers, trip duration, and the level of coverage. Destination, whether high-risk or remote, limits, deductible, options, and add-ons can also increase costs. To find out the cost of India to Canada travel insurance, visit us online for a personal quote and compare plans.

Which travel insurance is best for parents/family visiting Canada from India?

For parents and families looking for travel insurance from India to Canada, one of the best coverage options is family travel insurance. Family insurance coverage insures all travelling family members living in the same household together under one policy. It’s cost-effective, and often, children are insured free. Benefits typically found in a family insurance plan include trip cancellation and interruption, emergency medical, and baggage loss and delay.