Traveling has become an essential part of modern life, whether it’s for a domestic getaway, a work trip, or an international holiday. However, while planning these trips, many travelers overlook one critical aspect: travel insurance. A well-chosen plan can protect you from unexpected expenses like medical emergencies, baggage loss, flight delays, or trip cancellations.
The good news is that you don’t have to spend a fortune to stay protected. In 2025, several insurers in India offer cost-effective travel insurance plans, with premiums starting under ₹1,000. These affordable plans help budget-conscious travelers enjoy peace of mind without breaking the bank. Below are some of the best travel insurance options available in 2025, offering reliable coverage for both domestic and international trips.
1. ACKO Travel Insurance
ACKO is a digital-first insurer known for quick policy issuance and hassle-free claims. The plans are simple, transparent, and designed for tech-savvy travelers. ACKO Travel Insurance provides comprehensive coverage for trip cancellations, flight delays, and emergency medical expenses. Plans start as low as ₹8 per day, with options available under ₹1,000, making it a great choice for affordable international travel insurance.
2. HDFC ERGO Travel Insurance
HDFC ERGO is a trusted name in general insurance, offering low-cost travel insurance plans that cover a range of scenarios, such as accidental injuries, baggage delays, and emergency medical care. Short-term policies for trips within Asia and neighboring countries are available at premiums starting at ₹31 per day, making it an affordable option for budget-conscious travelers.
3. ICICI Lombard Single Trip Travel Insurance
ICICI Lombard offers flexible, short-term policies starting as low as ₹22 per day. These plans typically cover emergency hospitalization, dental care, loss of baggage, and even lost passports. ICICI Lombard also boasts a powerful global assistance network, ensuring travelers are supported in case of unforeseen incidents abroad. This makes it a reliable and cost-effective option for single-trip insurance under ₹1,000.
4. Tata AIG Travel Insurance
Tata AIG provides comprehensive travel insurance plans that include medical evacuation, repatriation, and cashless hospitalization at affordable premiums. Plans for short leisure trips to Asia start as low as ₹24.8 per day. Known for its extensive coverage of flight delays, trip interruptions, and accidental injuries, Tata AIG is a popular choice for those seeking a well-rounded, budget-friendly travel insurance plan.
5. Reliance Travel Insurance
Reliance General offers a low-cost travel insurance policy ideal for family holidays and short international trips. Short-trip premiums start at ₹306 and include coverage for hospitalization, trip delays, and accidental injuries. This straightforward plan is a reliable and affordable option for travelers who don’t need extensive coverage but still want basic protection.
6. Bajaj Allianz Travel Insurance
Bajaj Allianz is a well-recognized insurer in India, and its Travel Companion policy is both affordable and versatile. Plans for destinations within Asia and neighboring regions typically cost less than ₹1,000, starting at ₹13 per day. Benefits include cashless hospitalization, compensation for trip delays, and baggage loss coverage. With a robust global assistance network, this plan ensures travelers receive support no matter where they are.
7. Go Digit Travel Insurance
Go Digit offers simple, customer-friendly insurance policies, with international travel plans starting at ₹395 for short-term coverage. Key features include coverage for medical emergencies, flight cancellations, lost baggage, and emergency evacuation. Go Digit’s digital-first claims process makes it a favorite among frequent flyers who value speed and efficiency, all while staying within budget.
Final Thoughts
With affordable travel insurance plans now available for as little as ₹8 per day, Indian travelers no longer need to break the bank to stay protected. Whether you’re traveling domestically or internationally, these cost-effective options provide essential coverage for various travel-related risks. By choosing the right plan, you can travel with peace of mind and avoid unexpected financial burdens.
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