Question 1

Which is the best travel insurance for India in 2025?

Accepted Answer

ICICI Lombard iTravel Protect and HDFC ERGO Travel Shield top InsureScan's rankings for 2025. ICICI Lombard leads on claim infrastructure and $5,00,000 medical cover; HDFC ERGO offers the highest trip cancellation cover (₹1,75,000) and pre-existing disease coverage with declaration. For budget travellers on Asia routes, Bajaj Allianz Travel Ace offers the best value.

Question 2

Is travel insurance mandatory for a Schengen visa?

Accepted Answer

Yes. Schengen visa applications require travel insurance covering at least €30,000 (approximately $32,000) in medical expenses and emergency repatriation valid for all Schengen member states. All 10 insurers on InsureScan's travel comparison meet this requirement — even the $50,000 USD coverage tier comfortably exceeds the €30,000 minimum.

Question 3

Why is travel insurance so expensive from aggregators?

Accepted Answer

Travel insurance earns aggregators 20–40% commission on every policy sold. This is baked into the premium you see on comparison portals that earn referral fees. InsureScan doesn't earn commissions — we link directly to insurer websites so you get the base price without aggregator markup. On a ₹2,000 travel policy, that's ₹400–800 you'd otherwise pay as invisible commission.

Question 4

What does travel insurance cover for international trips from India?

Accepted Answer

Standard international travel insurance from India covers: emergency medical expenses (hospitalisation, doctor visits, ambulance), emergency medical evacuation back to India, trip cancellation or curtailment due to illness/death/natural disasters, baggage loss or delay, passport loss, flight delay compensation, and personal accident cover. Pre-existing disease coverage is available on upgraded plans from Bajaj Allianz, HDFC ERGO, and Care Health.

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