Traveling has become an essential part of life—whether it’s for business, a quick domestic vacation, or an international holiday. However, while planning these trips, many travelers often overlook one important detail: travel insurance. A good travel insurance policy can save you from unexpected expenses like medical emergencies, baggage loss, flight delays, or trip cancellations.
The good news is that travelers don’t always need to spend a lot to stay protected. In 2025, several insurance companies in India offer affordable travel insurance plans with premiums starting under ₹1,000. These cost-effective plans ensure that budget-conscious travelers can enjoy peace of mind without straining their finances. Below are some of the best options available for both domestic and international travel.
Top Travel Insurance Plans Under ₹1,000 in 2025
1. ACKO Travel Insurance
ACKO is a digital-first insurer known for its quick policy issuance and seamless claims process. The company’s travel insurance plans are straightforward and designed for tech-savvy travelers. ACKO offers comprehensive coverage for trip cancellations, flight delays, and emergency medical expenses. With premiums starting at just ₹8 per day, ACKO provides an excellent option for international travel insurance, all while keeping costs low.
2. HDFC ERGO Travel Insurance
HDFC ERGO is a trusted name in general insurance in India, offering low-cost travel insurance plans that cover a wide range of scenarios. Their plans include coverage for accidental injuries, baggage delays, and emergency medical care. For short-term policies covering Asia and neighboring countries, premiums start as low as ₹31 per day. HDFC ERGO offers solid protection without exceeding your budget.
3. ICICI Lombard Travel Insurance
ICICI Lombard is another well-known insurer offering flexible single-trip policies for less than ₹1,000. Starting as low as ₹22 per day, these plans typically cover emergency hospitalization, dental care, baggage loss, and even lost passports. ICICI Lombard’s extensive worldwide assistance network ensures travelers receive support in unforeseen situations during their trips abroad.
4. Tata AIG Travel Insurance
Tata AIG provides well-rounded travel insurance policies that include medical evacuation, repatriation, and cashless hospitalization. Short-term policies for leisure trips to Asia are available for as low as ₹24.8 per day. Tata AIG’s coverage also includes trip interruptions, flight delays, and accidental injuries, making it one of the most popular choices for affordable yet comprehensive protection.
5. Reliance General Travel Insurance
Reliance General offers simple, low-cost policies ideal for family holidays and short international trips. Premiums for short trips start at ₹306 and include benefits such as hospitalization, trip delays, and accidental injury coverage. For those seeking basic protection at an affordable price, Reliance Travel Insurance is a reliable and budget-friendly choice.
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