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Travel insurance for India

India is a place of stunning natural beauty, incredible local food and vibrant culture. Whether you're going to Delhi or Goa, planning an adventure, or enjoying two weeks by the pool, travel insurance can cover you against many travelling mishaps.

Here's everything you need to know about travelling to India, and how to insure yourself while you're there.

Landmarks in India

Do I need travel insurance for India?

Travel insurance isn't a legal requirement, but remember, you can't use a Global Health Insurance Card (GHIC) in India. This means you'll have to pay for any medical expenses you rack up.

Public healthcare can be poor in India, and private healthcare is often expensive. If you want to get peace of mind while you're exploring India, travel insurance is a good idea.

Travel insurance doesn't just cover medical expenses though. It also covers a number of other holiday hiccups, so that you can rest assured that your trip isn't spoiled by things outside of your control.

What does travel insurance for India cover?

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It normally covers:

  • Medical treatment costs: The standard of healthcare in India can be poor, and private healthcare is costly. Travel insurance can make sure you don't lose out on thousands of pounds to pay for medical treatment.
  • Cancellation cover: If your flights or other connecting travel gets cancelled, you can get compensation.
  • Theft, damage or loss: Pickpocketing can be a problem in tourist areas like Delhi, so having a policy that covers your baggage and other belongings if they're stolen is a good idea.
  • Emergency repatriation: If you need to get home in an emergency, your travel insurance can cover the cost of flights home.
  • Travel disruption: This will cover you if your travel gets delayed or disrupted. This could be because of adverse weather or strikes.
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It doesn't normally cover:

  • Travelling against FCDO advice: The Foreign, Commonwealth and Development Office (FCDO) give travel advice for visiting different countries. If the FCDO has advised against travelling to a certain country and you go anyway, you won't be covered.
  • Incidents involving drugs or alcohol: Mishaps that happen because of drugs or alcohol won't be covered.
  • Known events: Things like natural disasters that have already happened won't be covered by your policy. This means any claims made as a result of them won't be covered.
  • Extreme sports or activities: Standard policies won't typically cover high risk activies. You'll need adventure travel insurance to cover you here.
  • Changing your mind: Your travel insurance won't cover you if you change your mind about going away.

What our travel insurance expert says

"Covering yourself is important, but getting the right type of cover is even more important. If you’ll be relaxing by the pool for a week, or mulling around the Taj Mahal, then a standard travel insurance policy might be all you need. But if you’ll be jet skiing in Goa, scuba diving in Guam or bungee jumping in Rishikesh, you’ll need adventure travel insurance. Otherwise you could be saddled with a hefty medical bill that your policy won’t cover if you end up in A&E."
Alvaro Iturmendi - Confused.com travel insurance expert
Travel insurance expert Confused.com logo

What type of travel insurance do I need for India?

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Single trip

Single trip insurance covers you for one trip away, and will usually cover you for a longer duration of trip.

Multi-travel icon

Annual multi-trip

Covers you for any trips you take within a year. If you're planning on taking multiple trips, it can be a more cost effective option.

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Backpacker

Covers you for longer trips of up to 18 months, whether these are to multiple countries or a single destination.

How much is travel insurance for India?

Travel insurance costs for India:

Solo traveller

£10.541

Couple

£14.672

Family

£38.443

Travel insurance for India could cost you as little as £10.54.

Just bear in mind that several factors go into determining what you pay, like your age, any health conditions you have and any additional extras you tack on to your policy.

So what you pay for your cover might differ.

1Lowest price for a single traveller, aged 30, with no health conditions staying in India for 7 nights. Prices correct as of October 2024.
2Lowest price for a couple, both aged30 with no health conditions, staying in India for 7 nights. Prices correct as of October 2024.
3Lowest price for a family of two adults, both aged 30, and two children, both aged 5, with no health conditions travelling to India for 7 nights. Prices correct as of October 2024.

What extras can I add on to my travel insurance?

Depending on what your trip will involve, you might want to think about adding optional extras to your policy. Extras are a good thing to consider if you're going away for a particular reason, like on business or to take part in certain adventure activities.

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Gadget insurance

Most travel policies come with some form of cover for your tech, but gadget insurance ramps this up a notch by giving you a more comprhenesive level of protection.

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Cruise cover

If you're visiting India on a cruise, this type of insurance can cover problems that are relevant to a cruise holiday. This might be missed port-departure, lost luggage, or covering the cost of an air ambulance to hospital.

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Business cover

Business cover can protect your personal belongings as well as business equipment like laptops and phones. If you're going on a business trip, select this option when you get a quote.

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Adventure cover

Adventure travel insurance covers you for the riskier activities that may not be covered by a standard policy. To get it, contact your chosen insurer and ask to add it on.

Do I need a Visa for India?

Yes, if you’re a UK resident you’ll need a visa to visit India, unless you have an overseas citizens of India card.

You can apply for a visa at the Bureau of Immigration.

If you're of Pakistani descent, you might have to wait longer for your visa to be processed. It's a good idea to apply well enough in advance so it's sorted in time for your trip.

Other entry requirements:

To travel to India you’ll also need six months on your passport.

You'll also need two blank pages in your passport so there's room for visas or stamps.

You can't add any pages to your passport, so if you haven't got enough pages you'll need to renew the passport.

What's healthcare like in India?

Whilst public healthcare is available in India, it tends to be of a lower standard than we might be used to in the UK. It can also be difficult to access outside of city areas.

Private healthcare is a higher standard, but it can be very expensive. This is why travel insurance can be a good idea, as it can cover the cost of medical bills while you're away.

Here are a few important things to make note of before you travel:

  • The government provides a list of Indian hospitals with English speaking doctors.
  • The emergency helpline number in India is 112
  • You can also use the 112 app which tracks your location and sends it to the operator and support response in an emergency

What's transport like in India?

Rail

India has an extensive rail network, with a rich history. You can get to most of the country by train, but coach class can be uncomfortably full, without air con and might not have toilets. If possible, you might want to opt for first-class.

Buses

Like trains, buses in India are extensive but can be extremely busy. It's unlikely that buses will offer the option of first-class like trains.

Taxis

GOV.UK warns that some British tourists have been scammed by unofficial taxi drivers who offer cheap transport. Travellers who have accepted these offers have reported being threatened with violence when they've refused to pay.

Always use official taxi ranks to avoid being scammed. Pre-paid taxi services are available from inside all airport terminal buildings and many hotels offer transfers. Ride-hailing services like Uber and Ola are also widely available in India.

Driving

You can drive on a UK license while you're in India, but you’ll need to get an international driving permit.

You may also need car hire excess insurance if you're going to be renting a car.

It's good to be aware that driving standards are lower in India, and road accidents are one of the leading causes of death in the country. Make sure to always exercise extreme caution and do not expect other drivers to obey traffic laws.

Another important thing to note is that cows are sacred in India and can often bring traffic to a standstill. If you hit a cow with your car, you might get a very negative reaction from people local to the area. If this happens, you should call the police and wait for help.

Air travel

Air travel is of good standard and is generally the best way to get around India because of how vast it is.

What else do travellers need to know about India?

Alcohol

The laws on alcohol vary from state to state. In some it’s perfectly legal, but illegal in others. You should always check before travelling. It’s outright banned in: Bihar, Gujarat, Mizoram, Nagaland, Manipur and the region of Lakshadweep. In some states, foreign nationals and non-resident Indians can buy 30-day alcohol permits.

Crime

Like anywhere, crime is most common in big cities. Pickpockets and mugging happen quite often, especially in tourist areas. Sexual assaults are also fairly common in India, so female travellers should exercise caution. Call the emergency services (112) police (100) or women's helpline (1091) if you're a victim of a crime.

LGBT+ rights

Although LGBT+ relationships are legal in India, same-sex marriage isn’t. Attitudes towards LGBT travellers can also be negative in some areas, so keep this in mind when travelling and do your research before you set out if you can. Your safety should always be a top priority, so be aware that general attitudes may be different than in the UK.

Smoking

Vaping was banned in India in 2019. This means that you won't be able to bring vape products into the country or buy any whilst you're there. Smoking is legal but is banned in all public places except designated smoking areas. These laws are strictly enforced too, and you can be fined huge amounts if you break these rules.

When's the best time to travel to India?

The months of December through to March tend to be the best time to travel as temperatures are lower during this time.

You'll also avoid peak pollution levels, which occur from October to December.

There are a few months you should avoid where possible:

Monsoon season

Monsoon season runs from June to October, and brings extremely heavy rainfall, flooding, landslides and serious disruption.

 

Cyclone season

Cyclone season is incredibly dangerous and can cause massive damage, disruption and loss of life.

These are the locations with the highest risk:

  • East coast of India (September to December)
  • Bay of Bengal. (April to June and September to December)
  • South India, (June to November)

Need more help with travel insurance for India?

Are there any travel warnings in place for India?

Currently, there are some travel warnings in place for India. You should always check the FCDO advice before you go away, as it can quickly change.

The FCDO are currently warning against travel to areas of unrest.

This includes:

  • The India-Pakistan border area
  • Jammu and Kashmir
  • Manipur

What vaccinations do I need for India?

To gain entry into India, you won't legally need to have had any travel vaccinations. However, Fit for Travel encourages UK residents to get these vaccinations:

  • Diphtheria
  • Hepatitis A
  • Tetanus
  • Typhoid

You may also want to consider:

  • Hepatitis B
  • Rabies

It's worth getting these if you're going to an area where these are prevalent or entering situations where infection is likely.

It's always worth speaking to your GP for advice on vaccinations for travelling before you leave.

Learn more about travel insurance

Page last reviewed: 20 November 2024

Reviewed by: Alvaro Iturmendi

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