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International Travel Insurance
ACKO offers overseas travel insurance policies that cater to various needs, whether you are a solo traveller, venturing on adventures, a senior citizen, or travelling with a newborn. These plans are available for both single and multiple trips and are customisable. The convenience of purchasing these plans online further simplifies the process, making it easy to secure coverage from anywhere.
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International Travel InsuranceNeed for Travel Insurance<strong>Features of the ACKO International Travel Insurance Plan</strong>Why 8 Crore Indians Trust ACKO for International Travel InsuranceWhy ACKO's is Better Than Others?What’s Covered?What’s Not Covered?How To Buy International Travel InsuranceWhy Customers Trust Our International Travel Insurance PlansHow Do I ClaimWhich Documents are RequiredFAQsTips to Lower Your Travel Insurance PremiumDoes ACKO Insurance Cover COVID-19 Emergencies Abroad?Things to remember Countries Need Travel InsuranceFAQsInternational travel insurance is like a safety net for your trip abroad. It helps cover unexpected things like medical emergencies, lost luggage, or trip cancellations, so you don’t have to stress if something goes wrong.
It covers a bunch of things you might not think about, like delayed flights, accidents while trying new activities, or even emergency evacuations. With this insurance, you can enjoy your travels with peace of mind, knowing you're protected if the unexpected happens.
Exploring new countries is exciting, but what if things don’t go as planned? A missed flight, lost passport, or sudden illness can ruin your trip. Travel insurance has your back so that you can roam worry-free!
Watch this quick video to see why smart travellers never fly without it.
ACKO International Travel Insurance Plan offers a host of features primarily aimed at safeguarding one's finances and ensuring a stress-free travel experience when travelling abroad.
| Feature | What You Get |
| 1 Lakh+ Network Hospitals Worldwide | Access cashless hospitalisation in a global hospital network. |
| No Medical Check-up Required | You can purchase your travel insurance online immediately, without undergoing a medical examination before policy issuance. |
| Trip Cancellation & Interruption Cover | Receive reimbursement for your non-refundable flight and travel expenditures if your trip gets cancelled or interrupted. |
| Plans Starting at Just ₹45/Day* | Affordable international travel insurance that most travellers can afford. |
| Quick Claim Settlement | Quick, efficient, and trouble-free claims support you can rely on in your time of urgent need. |
| Customisable Coverage Options | Pick add-on and coverage options that suit your travel plan and preferences. |
| List of Benefits | ACKO | Others |
| Accidental and Illness IPD | No extra charges for consumables, no limit on room rent, or a SI limit on dental treatments | Additional charges apply for consumables, capping on room rent and limited SI for dental care. |
| Flight Delay | Fixed payout, covers delays for all legs of the journey, excluding rescheduling. | Covers delays over 12 hours with reimbursement upon bill submission. Applies only on return trip; one claim per policy. |
| Trip Cancellation | Minimum 2-day hospitalisation required. Cancellation due to pre-existing diseases is covered. | Minimum 3-day hospitalisation required. Cancellation due to pre-existing diseases is not covered. |
| Missed Flight | Covers most reasons (new flight ticket within 48 hours and a no-show certificate required.) First flight should have taken off | Only on missed connecting flights |
| Missed Connecting Flight | Covers all legs of journey | Only on return journeys, limited to one claim only |
| Delay/Loss of Checked-In Luggage | No bill needed for checked-in luggage delays over 3 hours. Fixed payout. | Bills needed for checked-in luggage delays over 6 hours. Indemnity payout |
| Denied Boarding/Check-In (Bounced Booking) | Covers any reason | Air tickets/hotel bookings made within 7 days of departure/hotel arrival are not covered |
| Adventurous Sports | Injuries/hospitalisation due to adventure sports are covered | Most insurers do not cover injuries that occur during adventure sports. |
| Deductibles | Zero out-of-pocket charges | Additional charges apply |
We offer the following under our international travel insurance plan:
While it’s not a pleasing thought, accidents are possible while travelling abroad. In such cases, your international travel health insurance will cover medical expenses up to the policy's maximum limit.
Getting sick is a common occurrence while travelling due to changing surroundings. But sometimes, the illness can be serious and may require hospitalisation. Thus, travel-related illness hospitalisation expenses are reimbursed up to a policy limit.
Accidents or illnesses that happen while you are travelling and require you to be hospitalised will be covered by the daily allowance for a certain number of days, up to the policy's limits and terms.
If you get hurt during your travels, rest assured that the cost of required physiotherapy after an accident will be covered under the terms specified in the travel insurance policy.
You will be reimbursed for the costs related to any OPD treatments, tests or consultations required within the specified policy duration due to an illness or injury contracted/suffered during a trip.
We know the importance of having a loved one by your side during a crisis. That's why our policy goes the extra mile for you. It covers the cost of two-way tickets for a family member to visit the place of hospitalisation of the insured person during the travel period.
If you experience a catastrophic event while travelling, you may need emergency evacuation. Under our travel insurance online, expenses for transporting the insured person by air or land during their travel period are reimbursed as per the policy terms.
Although it is the last thing anyone wants to think about, our international travel insurance policy also covers if the insured person dies while travelling or within a year of getting injured in an accident while travelling.
An accident (that has occurred overseas) may cause permanent, partial or total disability. If a disability occurs within a year of encountering an accident, you will receive compensation based on the terms of the policy.
In case of the unfortunate demise of the insured, we take care of the repatriation of the mortal remains from the location of death to the person’s home, as per our international travel insurance policy terms.
Even a few hours without your luggage can be extremely inconvenient. But that’s what many travellers face when their baggage gets delayed due to misplacement or some other reason. But worry not! If you get caught up in such a situation, our flight travel insurance will pay you a lump sum as per the policy terms.
It’s one thing to get your baggage with a little delay, but losing your luggage entirely creates a massive problem while travelling. As per the terms of the policy, we provide a fixed payment for the partial or total loss of your checked-in baggage.
Losing a passport in a foreign country can put you in serious trouble. Our foreign travel insurance will cover the application fees and documentation expenses for you to get a duplicate.
Losing your travel money can be very upsetting, so we can arrange a certain amount from your friends and family in India and send it to you to help you get by while you are away.
If your booked flight is delayed beyond the number of hours specified in the policy, we will reimburse you as per the compensation limits set in the policy.
If you have to reschedule a flight because of an accident, illness, or any other reason listed in our policy, this insurance coverage will pay up to the plan's limit for booking a new flight.
If you have to cancel your flight due to an unavoidable reason like an accident or hospitalisation, we will reimburse you the costs as per the terms of your trip insurance plan.
If you miss your flight, we will pay you the policy schedule amount if you book a new flight within 48 hours with a no-show certificate.
What if you lose a connecting flight due to the delay of the first flight? Our travel policy covers such situations by covering the cost of booking a new flight within the policy's term.
If you have COVID-19, you may have to cancel your flight. Our international travel insurance policy online with COVID coverage can help you focus on your health recovery by covering the unrecoverable cost of a flight, as per our policy terms.
For adventure junkies, our international travel insurance policy offers coverage for an adventure sports injury that requires hospitalisation during your trip as per the terms of the policy.
If you are denied boarding a flight or entry to your hotel during check-in, this feature will cover the cost of rebooking.
You will be covered in case a third party is injured, killed, or their property is damaged during your trip. Coverage also extends to expenses of legal representation and bail bonds. However, reporting of the claims must be done no later than 7 days after the incident.
In case hospitalization makes you stay longer abroad, we will take care of your hotel accommodation and flight rescheduling (one time only) costs.
Receive the refund of your visa application and insurance fees only if your visa is denied, except in cases of improper documentation or criminal record.
Here are the situations usually not covered by ACKO’s international travel insurance online:
❌ Not having a valid visa to visit a country.
❌ Visiting a country for medical consultation or treatment.
❌ Going on an international journey even when you’re medically unfit to travel.
❌ Travelling even when your doctor advises against it.
❌ Travelling overseas to overseas.
❌ If you get insurance after leaving India or if you stay longer than planned.
❌ If you end your trip somewhere else.
❌ Pre-existing diseases and related complications as per policy terms.
❌ A disability certificate issued by a Medical Professional who shares a family relation with the insured person.
❌ Complications that may arise due to pregnancy and/or related medical treatments.
❌ Self-inflicted injuries, suicide or attempted suicide.
❌ Injuries, loss or damage directly or indirectly related to alcohol consumption, substance abuse, hallucinogen, etc.
❌ Injuries, loss or damage while intentionally/unintentionally participating in criminal activities.
❌ Injuries, loss or damage while participating in hazardous activities such as tunnelling, mining, etc.
Buying international travel insurance online from ACKO is very simple and easy. Just follow these steps:
Pick the type of coverage you want.
Choose your destination and specify your trip's start and end dates.
Provide details about yourself and your fellow travellers and pay the fee.
Travel insurance should let you focus on the journey, not the financial risks.
That’s exactly what our customers experience : no delays, no hidden surprises, just genuine support when it matters the most.
Here are the steps you need to take to submit a claim:
Here is a list of international travel insurance claim documents you will most likely need. The exact list can vary on a case-by-case basis.
The premium for your international travel insurance will be based on several factors related to your journey and the coverage you choose. Here are the factors that influence your International Travel Insurance Premium:
If you are travelling to high-risk or expensive countries, this may increase your insurance premium.
Longer tours usually cost more because there is a greater risk of medical or other travel-related issues.
Senior travellers typically pay more for insurance because they are more likely to experience health problems.
Insurance for groups or families will typically be more expensive than individual insurance for a single person.
Insurance policies that offer broader coverage and a higher maximum insured amount will require higher premiums.
Having a few health issues might lead to a higher premium or in some cases, the insurance company might not cover the policyholder.
Yes, ACKO does offer health care coverage for COVID-19-related emergencies while you are outside the country. Hospitalisation for COVID-19, and trip cancellation in case of a positive test are among the benefits provided by our Comprehensive and Premium plans, which allow you to travel confidently even in a post-pandemic scenario.
In the event that you or your travelling companion receives a positive diagnosis for COVID-19 prior to the departure date, we will cover the non-refundable ticket expenses, on condition that your travel details were properly disclosed at the time of buying the insurance policy.
Under your travel insurance plan, we will pay for non-refundable prepaid travel expenses if COVID-19 results in you or your travel companion abruptly discontinuing the trip.
When you're hospitalised outside India due to COVID-19, we'll pay eligible medical expenses up to your policy limit, including doctor consultations, tests, and inpatient hospital treatment.
Here are a few things you should remember when travelling outside the country.
Check that you have all of your travel documents with you, like your passport and visa, and that they are still valid. If you show up to your flight without the right documents, you might not be allowed on.
Booking in advance gets you the greatest rates! Your schedule prepared perfectly from start to finish gives you precious peace of mind.
While you should always bring everything, packing too much, too little, or going overboard might ruin your trip. Travelling is easier when you pack well.
Familiarise yourself with the airport rules. Print visas, travel tickets, and hotel information ahead. Some airports have terminals miles apart, so know which one you're leaving from. Pre-check in online if possible, download your favourite shows, movies, podcasts, etc. to kill time.
Buying travel insurance should be a must before travelling abroad. In case of flight cancellation/interruption, emergency evacuations or lost luggage, travel insurance may save you a lot of money.
If you're planning to travel abroad, it's important to know that some countries require you to have travel insurance international policies before you can enter. To help you out, take a look at the table below to see which countries require it.
| Country | International Travel Insurance Requirement | Additional Context |
| Russia | Travel insurance is often required, and it's recommended to have coverage for the entire duration of your stay. | The requirement may vary based on your nationality and the purpose of your visit. Always check with the Russian embassy for the latest information. |
| Cuba | Travellers to Cuba typically need international travel insurance that covers medical expenses. | Proof of travel insurance may be requested upon entry to cover medical expenses during your stay. |
| Turkey | Travel insurance is not typically mandatory, but having coverage for medical expenses is highly recommended. | It's wise to have insurance for medical emergencies, as healthcare costs can be high for foreign visitors. |
| Qatar | Qatar has introduced insurance requirements for travellers, particularly related to health coverage. | Travellers may need to show proof of insurance that includes medical coverage when entering Qatar. |
| Schengen Area | The European countries in the Schengen Area require travellers to have Schengen Travel Insurance. | This insurance is mandatory for obtaining a Schengen visa and provides coverage during your stay in these countries. |
| The United Arab Emirates | Travel insurance is not generally mandatory, but it's advisable to have coverage for medical emergencies. | While not required, having insurance for medical expenses can be beneficial in case of unexpected health issues. |
Here are a few common questions and answers regarding international travel insurance.
Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.
Written by
Shreya Sahu
Content Editor
Shreya is a travel content writer with 5+ years of experience, turning hidden gems and dream getaways into inspiring, engaging stories. She enjoys exploring local cultures, slow travel experiences, and meaningful journeys while planning her next escape.
Reviewed by
Chirag Mahajan
Associate Director - Retail Travel Insurance
Chirag Mahajan leads Acko’s Retail Travel business, driving strategy, growth, and customer-centric travel insurance solutions. A travel enthusiast himself, he blends industry expertise with passion to build seamless and reliable travel protection experiences.
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