India travel insurance

Many insurers now offer some level of Covid-19 cover, but this can vary quite a lot between providers. Examples of what may be covered include:

• Emergency medical expenses: Including repatriation (getting you home), and additional expenses (for example, a quarantine hotel stay) if you fall ill with Covid-19.
• Cancellation: If you test positive (or a close relative passes away due to Covid-19) prior to your holiday and are unable to travel.
• Curtailment: If you test positive for Covid-19 pre-departure, upon arrival at your destination, or while on holiday. Additionally, look for a policy that offers curtailment cover in the event a close relative passes away from Covid-19 during your holiday.

What kind of policy you take out depends on your trip to India. If you’re only planning to visit once this year, then a single-trip travel insurance policy is probably best for you.

However, if you’ll be visiting multiple times in one year then an annual policy might work out to be better value for you. A multi-trip annual policy will also cover you for different destinations, so it’s ideal for travellers who intend to take multiple holidays over the course of the year.

If you are intending to travel in India for an extended period, ensure that your policy reflects this.

Some activities that are deemed to be potentially dangerous – for example, scuba diving, paragliding and motor biking – may not be included in a standard holiday insurance policy.

In some instances even trekking may not be covered, and some companies may only take customers who have emergency helicopter evacuation covered by their holiday insurance.

If you intend to undertake anything you think an insurer could deem to be “dangerous” then ensure that you take out a specialist policy that will cover you. Always read the small print of any travel insurance policy before purchasing.

The FCDO advises against travel to some areas of India, like Kashmir and Jammu on the Pakistani border.

Although many of the areas listed by the FCDO are not regularly frequented by tourists, travelling there may cause issues with your travel insurer. To make sure you are not in danger of voiding your India holiday insurance, always check the details of your itinerary with the insurer.

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