Travel Insurance for India from £15.22^

Key takeaways

• The average cost of travel insurance for India is £47.21 ^{^}

• It can protect you if you have medical emergencies, trip cancellations, lost luggage, and more

• If you’re planning a longer stay, or if your journey includes several countries, backpackers’ insurance may be a good option

Do I need travel insurance for India?

Holiday insurance is not a legal requirement. But without it you will be personally responsible for paying all the costs if something goes wrong with your trip.

Travel insurance can financially protect you if your holiday to India is unexpectedly cancelled, you need medical treatment while travelling, or your valuables are lost or stolen.

According to 2025 data from the Association of British Insurers:

• British residents had to make 500,000+ ^{^} claims on their travel insurance in 2025

• The most common reason for claiming was to cover unexpected medical expenses, with an average insurance payout of £1,528 ^{^}

• In contrast, you can find travel insurance to India from just £15.22 ^{^} a day

What type of travel insurance do I need for India?

India is typically covered under worldwide travel insurance policies.

The specific type of policy you need depends on your travel plans:

How much is travel insurance for India?

he average cost of travel insurance for a single trip to India is £31.42 ^{^} . However, the price you pay will vary depending on factors like your party size and how long you are visiting for.

^{The figures in this table are the averages of the costs paid by MoneySuperMarket customers over the last three months.}

Can I get last minute travel insurance for India?

Yes, it is possible to get last-minute travel insurance up to the day of your departure, although not all insurance providers will offer this.

You can buy last minute travel insurance through MoneySuperMarket.

Is it cheaper to buy travel insurance closer to my departure date?

No, it is usually more expensive to buy travel insurance last-minute.

If possible you should buy your holiday insurance as soon as you book your trip. That way you'll be covered if you have to cancel your India holiday.

What should my travel insurance policy for India include?

Standard travel insurance will usually cover:

• Illness and accidents

• Trip and activity cancellations

• Lost luggage (including your passport)

• Theft

• Repatriation (bringing you home if you are seriously injured, ill, or dead)

• Personal liability (you are responsible for accidentally harming someone or their property)

🚩Different travel insurance policies have different inclusions and exclusions. You should always read your documents and check what you're covered for.

What isn’t covered by travel insurance to India?

Typical exclusions include:

• Undeclared pre-existing medical conditions

• 'Unforeseeable' disasters including terrorism, war, strikes, and natural disasters

• Alcohol and drug-related incidents

• Travel to areas advised against by the government (found on the FCDO website)

• Adventure or winter sports

💡 Top tip: You can upgrade your insurance to include add-ons like winter sports , gadget cover and travel disruption cover .

Medical care in India

Cover for medical treatment costs is a vital part of travel insurance.

India's healthcare varies greatly; local hospitals and clinics can provide basic care, but private facilities in cities offer superior services. Due to the high cost of private care, ensure your travel insurance has a high limit for medical expenses.

Can I get travel insurance for India if I have a pre-existing medical condition?

Yes, you can get travel insurance cover with a pre-existing medical condition, but it may be more expensive than a standard policy.

A pre-existing condition is any medical issue for which you had symptoms, medication, medical advice, treatment, or tests before you took out your insurance policy. It includes mental health conditions and disabilities .

You must disclose all pre-existing medical conditions. If you don't, your insurer can refuse to pay out for a claim.

You can buy medical travel insurance through MoneySuperMarket.

Do I need vaccinations to visit India?

The NHS Fit for Travel website recommends that your regular vaccinations are up to date before you travel to India, including your flu and Covid-19 vaccines if you are eligible for these.

Travellers are also advised to vaccines for diphtheria, hepatitis A, tetanus and typhoid. Other vaccines that you might wish to consider are hepatitis B and rabies, and individuals at the highest risk are also advised to get Cholera and Japanese Encephalitis vaccines.

🚩 Vaccination recommendations may be different for individuals with specific health conditions. We recommend speaking to your doctor before travelling.

Do I need a visa to visit India?

You must have a visa to visit India. India has a number of visa categories, so you should check the UK government’s foreign travel advice website to determine which visa you require, and find out how to apply.

It’s also worth noting that your passport must have an expiry date of at least six months after the date you arrive, and have at least two blank pages.

🚩 Visa requirements for a country can change. For the most up-to-date information, check the UK government’s foreign travel advice website.

What travel insurance do I need for trekking in India?

You may need cover to go trekking in India, depending on the specific trek.

Trekking holidays are popular in India, with many tourists descending on the Himalayas in hiking season. If you’re planning on trekking in India, you may need to have adventure sports cover.

Standard travel insurance policies often will not cover hiking above a certain height or in riskier locations. If your hiking trip involves mountaineering or using climbing equipment you'll almost certainty need extra cover.

You may be able to add adventure sports cover to your existing travel insurance for a fee. Travel insurers will also often bundle together adventure sports cover and winter sports cover .

Do I need cover for extreme weather or natural disasters in India?

India is susceptible to extreme weather, particularly during monsoon season, so it’s advised to get travel insurance that covers any disruptions this might cause.

Travel disruption insurance can cover flight delays, cancellations, and tour cancellations as a result of tropical storms, earthquakes, floods, or other unexpected events.

It’s not always included in standard travel insurance, so it’s crucial to check your policy documents. If you find that your insurance doesn’t cover weather disruptions, you may be able to purchase this as an add-on.

Is backpacker’s insurance suitable for my trip to India?

India is a haven for backpackers, and if you're one, you can find great deals on backpackers’ insurance , which is tailored for longer stays or if your journey includes several countries.

How do I claim on my travel insurance?

• Report the incident you want to claim for to your insurer as soon as possible

• If something is stolen, report it to the local police within 24 hours and get a report

• Keep records of what has happened, including photos or videos and the contact details of anyone involved

➡️ Learn more: How to make a claim on your travel insurance.

Where can I get cheap travel insurance for India?

With MoneySuperMarket you can compare quotes from up to 42 different travel insurers, helping you find the best price for the level of cover you want.

Plus, we offer our travel insurance customers rewards! Get a voucher worth up to £5 ^{^} , a Free Days Out pass worth £180, and much more.

Just sign up to our free SuperSaveClub ^{^} before you buy your travel policy.

💡 Top tip: Looking for travel insurance for another destination? Check out our travel insurance destination guide hub .