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Travel with peace of mind by booking a travel insurance India policy.
Prices starting from just *.

India is a vast and incredibly diverse country, so you'll want the suitable travel insurance to protect you, regardless of your plans. Holiday extras offers cover for cancellations, lost baggage, and unforeseen medical expenses. Travel insurance for pre-existing medical conditions is also available. We cover the majority of medical conditions, and all medical conditions are considered.

Compare travel insurance India cover levels

With Holiday Extras, arranging your India travel insurance is quick and simple. We offer 4 levels of cover:

Bronze
Silver
Gold
Platinum
Baggage cover
£500
£1,500
£2,000
£2,000
Cancellation cover
£1,000
£2,500
£5,000
£5,000
Medical cover
£5 million
£10 million
£10 million
£10 million
Excess charge
£150
£100
£50
£0
Lost passport
£250
£250
£300
£500
Personal money
£300
£350
£400
£500
Wedding cover
X
X
£1,500
£1,500
Gadget cover
X
X
X
£500

You can choose from a single trip policy or an annual policy, both providing comprehensive cover depending on your needs.

What do you need from an India travel insurance policy?

Do I need medical cover?

Medical care is available in India, though this tends to only be in the major cities, and other highly populated areas. Often, these are privately run and as a result, expensive. In the more remote rural areas, access to healthcare can be very limited. For these reasons, it may be worth considering taking out a travel insurance India policy that includes medical cover that will meet your needs in case of an emergency, and if you have any pre-existing medical conditions. Be sure to declare any pre-existing medical conditions when booking, and we will tailor a policy specifically suited to your needs.

Theft and Loss cover

Although rare, thefts can occur when travelling, as well as loss of items. As such, it's wise to have a solid travel insurance policy that will cover you for the loss or theft of personal possessions.

In the event of a theft, should you have to make a claim, you'll need to provide a police report obtained within 24 hours of the incident, along with some proof of ownership for the lost or stolen item.

Sports and adventure travel insurance

India has a lot to offer the bold adventurer - from wild jungle tours in Gujarat to treks up the frozen Zanskar river. If you plan to take on challenges like these during your trip, it may be a good idea to check whether your travel insurance policy covers you for sporting and adventurous activities.

Holiday Extras travel insurance policies provide cover for over 100 different sporting activities as standard. For higher risk activities, you will need to take out one of our three 'extra activity' add-on packs, which you can add to your policy when getting a quote. You can check out our sports insurance page to see if any activities you have planned are covered.

Booking your policy

Making your booking is completely hassle-free whether you choose to do so online or via our UK call centre. Simply fill in our travel insurance quote form above to choose your policy or place a call to our support team who are on hand to help you if you have any questions and to assist you with making payments.

Things you need to know before you go

Vaccinations

Consult your GP roughly four to eight weeks in advance of your trip to make sure you're up-to-date with any relevant vaccinations. Although vaccinations aren't required for you to enter the country, our policy will not cover medical conditions if they develop because you do not have the required immunisation. The exact vaccinations needed will differ depending on which part of the country you'll be travelling to, so you'll need to research this before booking your jabs.

Visas

There are a number of different types of visa for entry to India, including the transit visa that allows you to travel across the country. With a tourist visa, your maximum length of stay in India is 90 days.

Weather

The rainy monsoon season in India lasts for four months, from June to September. The 'hot' season is before the monsoon and the 'cool' season after, so plan accordingly.

Currency and the cost of living

India uses the rupee as its main currency, with notes coming in denominations of 10, 20, 50, 100, 500 and 2000 and coins in 1, 2, 5 and 10 paises.

Credit and debit cards are widely accepted in restaurants and chain stores, but for the markets and street food stalls, cash is often the only accepted form of payment.

Although everything tends to be cheaper in India, be aware that hotel bars and restaurants are likely to charge 5 to 10 times more than what a local bar or restaurant will charge you. To really get the best deals, you'll need to be a little adventurous and hit the streets for good eateries.

Tipping - If you're in a sit down restaurant, it's customary to add about 5-10% of the bill for a tip unless a service charge has already been added to the bill. Be aware that the 'service charge' goes to the restaurant and it's employees, while the 'service tax' goes to the government.

Using ATMs - Be warned that ATMs can run out of cash quite quickly, and in a cash centric country like India, this can be incredibly inconvient. Our advise is to either buy a enough currency before hand in your home country, or stock up on cash at the airport.

Try to keep your hands clean before eating - This is easily achieved by carrying hand sanitizer or wet wipes. On long train journeys, it's not uncommon for toilets to run out of water, and in these instances, you'll be very of grateful the hand wipes!

Getting around in India

Tips for train travel

India's extensive rail network has been described as the nervous system of the country, connecting the major cities and outerlying villages. If you plan to travel any great distance within India, taking the train is a solid choice.

Tourist tickets - Most of the major cities, like Mumbai will have a suburban rail network by which you can zip around town to the various neighbourhoods. Tickets are very cheap and there is sometimes the option to buy a 'tourist ticket' which allows you to travel on all suburban lines all day.

Avoid rush hour if you can If possible, avoid using trains during between 8:00am-10:00am and 5:30-8:30pm as carriages and stations will likely be heaving with the chaos of rush hour. If you have no choice but to travel during these times, avoid standing by the train doors for safety.

Taking a taxi?

Perhaps the second best way to get around an Indian metropolis is by taxi. Like most things in India, taxi travel is relatively cheap, and £10 will often get you anywhere in the city.

Make sure the journey is metered - When getting a cab, be sure to insist on a metered journey as this will prevent any sudden inflations to the price at the end of the ride.

Uber black - As well as the taxi services available around airports and train stations, you can also use Uber to book a taxi anywhere in the city, and a taxi will be with you, usually within 10 minutes of making the booking.

Uber WiFi - Some cities offer the Uber WiFi service, which gives you access to a portable wifi hotspot while travelling in the cab. This can be especially useful as generally in India cities, WiFi coverage isn't great and there aren't many free wifi hotspots around.

Activities to make your India holiday memorable

  • Get down to Goa. The state was once a Portuguese colony, and is full of its own unique charm and character with almost completely untouched beaches.
  • Discover the port city of Mumbai, the home of Bollywood movies that's formerly known as Bombay.
  • Experience the majesty and stunning architecture of the Taj Mahal, which has been a UNESCO World Heritage Site for more than 30 years.
  • Stay for Diwali. The 'festival of light' takes place in late October or November - and if you're in the tropical south of India, there's no need to pack winter clothes.

Holiday Extras Cover Ltd and Holiday Extras Ltd are authorised and regulated by the Financial Conduct Authority. Holiday Extras Cover Ltd 05058680 and Holiday Extras Ltd 01693250 are registered in England and Wales. Registered address: Ashford Road, Newingreen, Kent CT21 4JF.

Holiday Extras is underwritten by Travel Insurance Facilities plc which is authorised and regulated by the Financial Conduct Authority. Registered address: 2nd Floor, 1 Tower View, Kings Hill, West Malling, Kent, ME19 4UY. Company number 03220410.