Travel Insurance

Travel insurance that has your back abroad

A medical emergency overseas can cost lakhs of rupees. We help you pick a travel plan with the right medical cover for your destination, the trip benefits you need, and visa-compliant documents — for holidays, business trips and overseas study.

  • Plans for single trips, multi-trip travellers and students
  • Schengen visa-compliant policies
  • 24x7 emergency assistance from the insurer

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What’s covered

What Travel Insurance covers

Common benefits across plans. Exact cover, limits and exclusions vary by insurer and policy.

Medical emergencies abroad

Hospitalisation, emergency treatment and medical evacuation while you are travelling.

Trip cancellation & interruption

Non-refundable costs if your trip is cancelled or cut short for covered reasons.

Baggage loss & delay

Compensation for checked-in baggage that is lost or delayed by the airline.

Passport loss

Costs of getting a duplicate or emergency passport while abroad.

Flight delay

A fixed payout if your flight is delayed beyond the hours stated in the policy.

Personal liability

Legal liability for accidental injury or property damage caused to others during the trip.

Plan options

Types of Travel Insurance

Single-trip plans

Cover for one trip, from departure until you return home.

Multi-trip annual plans

One policy for frequent travellers covering multiple trips in a year.

Schengen travel insurance

Meets the medical cover requirements for a Schengen visa.

Student travel insurance

Longer-duration cover for studying abroad, including options that meet university requirements.

Senior citizen travel plans

Plans designed for older travellers, with suitable medical cover.

Domestic travel insurance

Cover for trips within India, including trip delays and baggage loss.

Buying guide

How to choose the right Travel Insurance

  • Match medical cover to your destination

    Healthcare in the USA, Canada and Europe is expensive. Choose a higher medical sum insured for these countries.

  • Check visa requirements

    Schengen countries require a minimum medical cover of €30,000. Some other countries and universities have their own requirements.

  • Buy before you travel

    Buying soon after booking means trip cancellation cover applies for longer.

  • Declare pre-existing conditions

    Some plans exclude pre-existing illnesses unless declared or covered for life-threatening emergencies.

  • Note the emergency helpline

    Save the insurer’s 24x7 assistance number and policy copy on your phone before you fly.

Why Smart Network Insurance

Buy Travel Insurance through a broker you can trust

Unbiased Comparison

We compare plans from 35+ insurers and recommend what fits you, not what pays us most.

Right Cover, Not Just Cheapest

We look at coverage, exclusions and claim experience, not just the premium.

Claim Support

We stay with you through the claim process, from filing to settlement.

IRDAI Registered Broker

Direct Insurance Broker (Life & General), IRDAI Registration No. 1190.

Have questions?

Travel Insurance FAQs

Is travel insurance mandatory?

It is mandatory for some visas, such as the Schengen visa, and for many students going abroad. For other destinations it is optional but strongly recommended because of high medical costs overseas.

What medical cover do I need for a Schengen visa?

Schengen visa rules require medical cover of at least €30,000, valid across all Schengen countries for the entire stay. We can help you choose a compliant plan.

Does travel insurance cover COVID-19?

Many plans now include cover for hospitalisation due to COVID-19 while abroad, but terms vary. Check the policy wording or ask our advisors before you buy.

Can I buy travel insurance after leaving India?

Most insurers require you to buy the policy before your journey starts. Buy it before you depart to avoid gaps in cover.

How do I claim if I am hospitalised abroad?

Call the insurer’s 24x7 assistance number as soon as possible. They can arrange cashless treatment at network hospitals, or you can pay and claim reimbursement with the bills and medical reports after you return.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations and terms and conditions, please read the sales brochure and policy wording carefully before concluding a sale. Tax benefits are subject to changes in tax laws.

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