Travel insurance is an essential part of planning any trip, whether it’s a quick domestic holiday, an international vacation, or a long-term study or work abroad plan. It protects you from medical emergencies, trip cancellations, lost luggage, passport delays, flight interruptions, and much more. Having the right travel insurance gives you peace of mind so you can focus on enjoying your journey.

Below is a comprehensive guide to all the travel-related insurance providers, explaining what they do, why they’re useful, and how they help travellers in Bangalore.

1. Niva Bupa Health Insurance

About:
Niva Bupa is a well-established Indian health insurer that offers travel insurance plans covering medical emergencies, trip delays, baggage loss, and personal accidents.

Why It’s Great:

• Extensive medical coverage and emergency assistance
• Trip cancellation and baggage delay protection
• Recognised for flexible travel plans

Best For: Travellers seeking comprehensive protection with solid healthcare support during trips.

2. ICICI Lombard General Insurance

About:
ICICI Lombard is one of India’s largest general insurers and top choices for travel insurance. Its travel policies offer global medical emergency cover, trip cancellation, baggage loss protection, and 24/7 assistance.

Why It’s Great:

• Wide network of cashless hospitals abroad
• Strong claim support
• Coverage for passport loss and travel delays

Best For: Frequent international travellers and families needing reliable global support.

3. Reliance General Insurance

About:
Reliance General (now part of IndusInd General Insurance) provides travel insurance with a balanced mix of essential coverage and affordable premiums.

Why It’s Great:

• Budget-friendly plans
• Medical emergency and evacuation cover
• Trip interruption and baggage protection

Best For: Budget travellers and family holiday planners.

4. Tata AIG General Insurance

About:
Tata AIG is a joint venture between Tata Group and AIG, offering robust travel insurance coverage for domestic and international trips.

Why It’s Great:

• Cashless hospitalisation overseas
• Annual multi-trip plans
• Coverage for trip delays, cancellations, and baggage loss

Best For: Frequent flyers and global travellers seeking full-featured travel plans.

5. Care Insurance (formerly Religare)

About:
Care Insurance, previously known as Religare Health Insurance, provides flexible travel insurance policies that cover medical emergencies, adventure activities, and trip disruptions.

Why It’s Great:

• Customisable plans tailored to traveller needs
• Adventure activity coverage in select plans
• Emergency medical evacuation support

Best For: Adventure travellers and solo holiday makers needing flexible coverage.

6. HDFC ERGO General Insurance

About:
HDFC ERGO is a joint venture between HDFC and ERGO Group and is one of India’s most trusted general insurers, known for comprehensive travel insurance offerings.

Why It’s Great:

• Wide coverage including trip cancellation and delay
• Emergency assistance and cash advance
• Medical protection, including for pre-existing conditions in select policies

Best For: Travellers looking for holistic protection and strong customer service.

7. GoDigit Insurance

About:
GoDigit is a digital-first insurer with simple, affordable travel insurance policies that are easy to buy online and include essential protections like medical cover and baggage loss.

Why It’s Great:

• Quick online purchase process
• Affordable premiums
• Useful for short-term and budget trips

Best For: Digital-savvy travellers and last-minute travel insurance buyers.

8. ManipalCigna Health Insurance

About:
ManipalCigna offers travel and group travel insurance plans that are ideal for families, corporate teams, and extended group tours.

Why It’s Great:

• Group travel coverage options
• Standard trip risk protections
• Support for medical emergencies and baggage issues

Best For: Family trips and small group travel plans.

9. Axis Max Life (via Partner Plans)

About:
Axis Max Life is primarily a life insurance company, but it also facilitates access to travel insurance through partnerships (such as with Axis Bank’s Travel Guard product).

Why It’s Great:

• Access to travel insurance via bank partnerships
• Coverage options for overseas travel
• Emergency medical, baggage, and trip disruption protection

Best For: Travellers who prefer bank-linked travel plans with trusted financial backing.

10. Oriental Insurance Company

About:
The Oriental Insurance Company Limited is a government-owned general insurer that provides travel insurance plans accepted for visa requirements, including Schengen and other regions.

Why It’s Great:

• Government-backed reliability
• Visa-compliant travel coverage
• Medical and baggage protection

Best For: Visa applicants and travellers seeking government-backed plans.

11. IFFCO-Tokio General Insurance

About:
IFFCO-Tokio is a long-established general insurer in India with travel insurance policies that offer coverage for medical emergencies, trip delays, baggage loss, and passport issues.

Why It’s Great:

• Good global coverage
• Affordable premiums
• Strong service network

Best For: Value-oriented international travellers.

12. PNB MetLife India

About:
PNB MetLife is primarily a life insurance provider and does not underwrite standalone travel insurance; travel protection may be available as a rider or bundled product through partners.

Why It’s Mentioned:

• Strong brand trust and financial backing
• Useful when travel protection comes bundled with life or health products

Best For: Those considering bundled life and travel coverage options.

13. Aviva India

About:
Aviva India is a well-known global insurance brand offering travel insurance plans alongside life and health products through bancassurance and direct channels.

Why It’s Great:

• Backed by an international insurer
• Options for medical and trip protection
• Supports various travel needs

Best For: Travellers who prefer a global insurer with comprehensive offerings.

14. Basketoption.insure

About:

• Basketoption.insure is a newer digital insurtech platform that helps compare and bundle various insurance policies, including travel protection options.
  
  

Why It’s Great:

• Tech-first platforms
• Simplified comparison and purchase
• May offer integrated health + travel protection

Best For: Tech-savvy travellers looking for comparisons and bundled coverage.

How to Choose the Right Travel Insurance

When selecting travel insurance, consider these factors:

• Destination Requirements: Some countries require minimum medical cover (e.g., Schengen visa)
• Medical Coverage: Ensure it includes emergency treatment and evacuation
• Trip Delay/ Cancellation: Useful for flights/hotels
• Baggage & Passport Cover: For lost luggage or documentation
• 24×7 Support: For peace of mind abroad
• Claim Settlement Support: Strong customer service improves experience

Travel insurance is your safety net. It turns unpredictable moments into manageable situations and helps you travel confidently.