How to Choose the Best International Travel Insurance?

Singh Neeraj Shekhawat

09 Dec 2025 — 4 min read

India’s travel insurance market is steadily expanding, showing that more travellers now prefer securing their international journeys. With so many insurers offering different plans, the real challenge lies in choosing a policy that gives you the right protection when you need it most.

That is what we will discuss in this blog. Let us dive deep into how to select the right international travel insurance plan and how it will help you have a hassle-free vacation.

What is International Travel Insurance?

International travel insurance provides medical and trip-related coverage for your international trips. Whether you are visiting the romantic country of France or the architectural marvels in Spain, having travel insurance helps you navigate unexpected costs.

7 Tips on How to Choose the Right Travel Insurance

Choosing the right travel insurance is a task in itself. But it becomes easy when you know what to look out for:

Price vs Coverage

When buying travel insurance, the first thing that comes to mind is the price. And rightfully so, as travel insurance is an investment. When you invest 4% to 12% of your total trip cost, you expect a decent return on investment (ROI).

Therefore, always consider the type of coverage you are getting for your premiums. If the insurer is charging a higher premium, weigh that against all the benefits they are providing.

Know Your Specific Needs

The next thing to consider is what your specific needs are. Look for additional coverages such as trip delay coverage, emergency hotel accommodation or escort for minor child. These covers can help you get the most out of your travel insurance plans.

However, refrain from buying unnecessary add-ons, as they will ultimately drain your money without providing any benefits. Therefore, research about the destination, its healthcare system and how much coverage you actually need before purchasing.

Compare Different Travel Insurance Plans

You cannot find the right international travel insurance if you don’t see what others have to offer. Take time to review multiple plans directly from trusted insurance providers like Bajaj General Insurance, compare the benefits, and check whether they align with your travel needs. You simply need to enter your age and other details, and it will display the appropriate plans for you.

However, be sure to check out the plans individually to get a thorough understanding. Compare the benefits with your personal needs so that the plan you choose aligns with your needs.

Thoroughly Read the Policy Documents

Perhaps one of the most important aspects of choosing the right travel insurance is to read the policy documents. If you don’t go through them, you may face unexpected rejections or problems while claiming.

Travel insurance policy documents clearly specify inclusions, exclusions and terms and conditions. Some may even provide you with a premium chart to make it easy for you to analyse your needs.

Check Customer Reviews

Suppose you find a very lucrative plan that perfectly aligns with your needs and is also affordable. You go ahead and buy it, but later discover that they have terrible customer support and claim assistance.

To avoid these situations, always check customer reviews. You can use Quora or Reddit to find out what the ground reality is. Additionally, always buy insurance from a company with a rating of 4 and higher to avoid any issues.

Claim Limit

Top insurers in India put claim limits on their travel insurance plan. Insurance companies set these to deter fraudulent activities. Therefore, when you review the policy documents, you must check them to see if they’re enough.

For example, if you are travelling to the USA, expect very high medical costs. So, you must ensure that the claim amount aligns with the rising cost and inflation.

Claim Procedure

Lastly, check how smooth or efficient your travel insurance company’s claim procedure is. Ask yourself whether they offer cashless hospitalisation or if they work on a reimbursement basis.

Also, check how much time it takes for them to settle the claim. Typically, cashless claims get settled in less time. Moreover, research on the claim settlement ratio (CSR).

When you keep these things in mind, your buying process becomes seamless and easy. Additionally, with online international travel insurance, you don’t have to waste time physically visiting offices.

What are the Benefits of International Travel Insurance?

Protection Against Losses: Suffering from stolen baggage or items is a common occurrence in an international trip. Travel insurance secures you against these losses.
Medical Coverage: Travel insurance shields you from the exorbitantly high healthcare costs in foreign countries by covering medical bills.
Personal Liability Coverage: Your travel insurance plan will cover any damage or loss you cause in your international trip. You don’t have to pay anything.

To Sum Up

International trips are a dream come true for many Indians. Protect this dream by guaranteeing nothing goes wrong during the trip. Because if it does, international travel insurance will take care of it. Just keep these tips in mind when you are buying, and you will have a plan that is personalised for your needs.