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Health insurance just got 18% cheaper – no GST applicable!

Your passport to travelling with peace of mind

Travel insurance starting at ₹22/day^S, 0% GST^T

Cashless medical/dental treatment
Covers loss of passport & baggage
24x7 instant
support

Millions of Indians love us because

Cashless hospitalisation^E

Worldwide cashless medical facility on your international trip
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Travel Insurance

Every international travel is special, be it a long-awaited vacation, a business trip or studying aboard. That’s until lost baggage, flight delays or medical emergencies crash your plans. That’s why it is essential to protect your trips with a reliable travel insurance policy. At ICICI Lombard, we focus on ensuring that you spend your time on making memories, not worrying about risks. Our travel insurance policy offers coverage not only for common travel hiccups but also for adventure sports and pre-existing diseases (via add-ons).

Features of ICICI Lombard's travel insurance

No medical check up for buying travel insurance plan

Travel without tests

No medical tests, no delays. Just buy ICICI Lombard travel insurance online within minutes and start packing for your dream trip.

Avoid trip cancellation with travel insurance policy

Travel plans secured

Unexpected things happen. That’s why travel insurance policy stays by your side when your trips get interrupted or worst, cancelled.

Loss of passport covered under travel insurance

Coverage that cares

Don’t let your health issues stop you from exploring the world! Just opt for our Pre-Existing Disease Cover and enjoy worry-free trips.

Personal liability covered under travel insurance

Adventure without worries

Love the thrill of scuba diving or skydiving? Our Adventure Sports add-on covers medical expenses for injuries during these activities.

Reimbursement under travel insurance policy

Cruise with confidence

Planning a cruise vacation? You can opt for different Cruise Covers that protect you against missed shore visits, medical emergencies on board, etc.

No GST on travel insurance

Travel insurance just got 18% cheaper! The 18% Goods and Services Tax (GST) on premium has been removed from individual and family travel policies. Now, you pay only the base premium and no additional taxes. This makes travel insurance more affordable, giving you essential protection for medical emergencies, trip delays, cancellations, lost baggage and more, at a lower cost.

Advantages of buying ICICI Lombard's travel insurance policy

Medical benefits that matter

Travel worry with ICICI Lombard. Because we cover a range of medical emergencies, including sudden illness, accidents, emergency medical evacuation and emergency dental treatment.

Travel benefits you’ll love

Don’t let the unexpected run your travel plans. Our travel insurance protects you against a variety of travel-related contingencies, including trip cancellation, interruption and curtailment, etc.

Luggage benefits you need

Worried about losing your luggage or essentials? Not anymore. We offer reimbursement for these losses and even cover delays in checked-in baggage based on policy terms and conditions.

Extra benefits beyond basics

Need more than the basics? You got it with TripSecure+. Our policy comes with multiple add-ons like Adventure Sports Cover, Debit and Credit Card Fraudulent Utilisation Cover, etc.

What’s covered under ICICI Lombard's travel insurance?

Inclusions
Exclusions

Hospitalisation expenses for illness and injury

A medical emergency during your trip could mental and financially drain you. Our travel insurance policy covers hospitalisation expenses during your travel.
Lost, delayed, or damaged baggage

Our travel insurance policy covers you for expenses incurred due to loss of baggage, delay (more than six hours) of baggage and even damage of baggage in transit.

Personal liability

Legal expenses arising from bodily injuries or property damage to a third-party could be taxing. Our policy helps cover the legal costs associated with such mishaps.
Emergency cash

If you need emergency cash during your trip because of a lost wallet, we will help you arrange it.

Events before the trip starts or after it ends
Fraudulent claims, false declarations, or willful damage by the insured
The insured travelling against medical advice, awaiting specific treatments, with terminal prognosis, seeking treatment, or involved in military/naval operations
Participation in hazardous/adventure sports (unless premium is paid for coverage)

There are cover-specific exclusions apart from general exclusions which need to be referred to. The details are available in the product’s policy wording.

Policy documents:

Travel insurance policy wordings

Policy wordings for Schenegen countries

Brochure

Glossary

Why should you purchase travel insurance policy online?

Because it’s quick, simple and hassle-free! Here are some of the key benefits of buying a travel insurance policy online:

Simple comparison: You can easily compare multiple policies and their coverage options.
Customisation options: You choose different add-ons to customise your policy and meet your unique needs.
Instant coverage: You can buy a travel insurance policy in just a few click without any paperwork.
Customer reviews: You can go through reviews from previous customers and know their experience.

Types of travel insurance policies in India

Single trip travel insurance

Single-trip travel insurance offers coverage for only a single trip. The coverage ceases to exist once the trip is over.

Multi-trip travel insurance

Unlike single-trip insurance, a multi-trip travel insurance offers coverage for multiple trips undertaken in a year. The tenure of this plan is generally one year.

Schengen travel insurance

This Schengen travel insurance offers coverage if you plan to visit the nations in the Schengen zone. There are 29 such countries in the Schengen zone that make travel insurance mandatory.

Student travel insurance

If you are a student going abroad for higher studies, you can opt for a student travel insurance policy. Along with medical coverage, this policy offers coverage for study interruption.

Does ICICI Lombard's travel insurance policy cover COVID-19?

Yes, our travel insurance offers COVID-19 coverage so that you can travel stress-free. The benefits include:

Medical hospitalisationI: We pay for both in-patient and out-patient hospitalisation expenses incurred due to COVID-19.
Trip cancellation: We cover your trip cancellation if your immediate family member (e.g., parent, spouse, child) is hospitalised due to COVID-19.
Hospital cash allowance^U: We provide you with daily hospital cash allowance for your COVID-19 hospitalisation abroad.

Eligibility criteria for travel insurance policy

Travel insurance policy can be purchased separately by an individual or can be bought for an entire family as a family travel plan. With us, you can customise an ideal travel insurance policy for you and your family by choosing from the flexible cover options we offer. Our travel insurance policy provides coverage for individuals of all ages, from 0 to 80+, with pricing tailoured to each age group - making it a great choice for senior citizen travel insurance.

How to buy a travel insurance policy online?

Want to secure your upcoming international plan? If yes, then just follow these steps to buy our travel insurance policy:

Enter details

Start by sharing your travel type, destination, dates and basic personal details here. This will help us generate a quote.

Select plan

Based on your inputs, we will recommend different travel insurance plans for you. You can also opt for add-ons to customise your policy.

Pay securely

After completing your KYC, pay the premium using our secure payment gateway.

Download policy

You’ll get your policy documents on your registered email ID and phone number.

Additional coverage under travel insurance policies

Repatriation of remains

If the insured dies due to a mishap, we will cover the expenses incurred in transporting the mortal remains back home.

Hospital daily cash allowance

Our travel insurance policy offers a hospital daily cash allowance per the policy's terms and conditions to help you manage unexpected medical expenses while traveling. This allowance helps cover daily expenses so you can focus on your recovery.

Countries that need an international travel insurance policy

Planning an international trip? Don’t forget to buy travel insurance as it is mandatory in many countries.

Schengen zone: You need to have an international travel insurance with a minimum medical coverage of EUR 30,000 to get your Schengen Visa approved.
Other countries: Some countries like Cuba, the UAE, Russia, Turkey, Qatar, Antarctica, and Ecuador have also made it mandatory to have a travel insurance.
USA: While it is not mandatory to have travel insurance for US, it is highly recommended due to high medical costs.

Note: Always check with your visa portal or embassy for detailed information on travel insurance-related rules and regulations.

How to calculate travel insurance premiums online?

You can calculate travel insurance premiums online with the help of an online calculator. Input your details, including age, pre-existing diseases, etc., choose the type of coverage needed, and select your destination to calculate premiums. Rate chart

Tips to lower your travel insurance premium

If you are fond of exploring new places across the globe, a multi-trip policy can help you save on insurance premium.

When you buy travel insurance online, evaluate and compare the various plans as per your needs and budget.

Claim procedure for travel insurance policies

Even if you have the best travel insurance policy, dealing with unpleasant incidents on your trip might be difficult if you are unaware of the claim procedure. To initiate a claim during an emergency on your trip, you will first need to inform us over the call or via an email. Post intimation, you will have to provide the supporting documents related to your claim. Following your submission, we will evaluate the details and the documents and come back on your claim. For more information, click here.

Things to consider while buying travel insurance online

Understand your needs based on your travel plans

Check converge offered by the policy, including inclusions and exclusions

Read the policy’s terms and conditions well

Check reviews and ratings

Understand the claims process

Find out the insurer’s claims settlement ratio and quality of service

Travel insurance blog articles

International Roaming SIM Cards vs. International eSIMs: What to Choose

The article compares international roaming SIM cards and eSIMs, outlining differences in setup, cost, security and device compatibility. It guides readers on choosing based on travel needs and highlights the importance of pairing connectivity with travel insurance.

08 Nov 2025

Cruise Travel Insurance: Meaning & Coverage

The article explains cruise travel insurance, outlining coverage for medical emergencies, cancellations, missed embarkation, and baggage loss. It details how to choose a suitable plan, common exclusions, and ways to ensure comprehensive cruise protection.

07 Nov 2025

Russian Citizenship for Indians: Eligibility & Application

The article outlines the eligibility, documentation, and process for Indians applying for Russian citizenship. It explains benefits like social stability, simplified legal status, and changes to travel insurance after obtaining Russian nationality.

13 Nov 2025

How many times can we extend the policy?

You can extend your travel insurance policy as many times as you want. However, you can extend your policy only if the total policy is less than or equal to 360 days.

How can I cancel my travel insurance policy?

You can easily cancel your travel insurance before your trip start date. Just get in touch with us via our toll free number 1800 2666, email ID customersupport@icicilombard.com or the IL TakeCare App.

Do I get a grace period for my travel insurance policy?

Yes, you can get a grace period on your travel insurance policy. To do so, contact our representatives or write us at customersupport@icicilombard.com.

Can I buy travel insurance after leaving the country?

No, you need to purchase travel insurance before going on your international trip. Note that the policy's purchase date and start date must be before you start your trip.

What is the validity period of travel insurance?

The validity of your travel insurance depends on your trip duration. It usually starts from your date of departure and ends when you return. For more details, read the policy documents.

What happens if my travel insurance expires?

If your travel insurance policy expires while you’re still on your international trip, then you will no longer be covered for different travel and medical-related contingencies. That’s why it is important to ensure that your travel insurance covers the entire duration of your trip abroad.

What is accidental death coverage in travel insurance?

Under this cover, a lump sum amount is paid if the insured dies or becomes disabled while getting on, off, or traveling in a public/common carrier during the policy period.

Do I need to buy travel insurance for short trips as well?

Yes. It is always good to be insured against the unpredictable - like lost passport/baggage or medical emergency. Travel insurance will help you tackle such situations with ease.

Is travel insurance mandatory for everyone?

Travel insurance is mandatory when you want to visit certain countries (like Schengen countries). However, it is highly recommended to have travel insurance to secure yourself against travel-related risks.

Will my travel insurance cover any pre-existing disease?

Our TripSecure+ travel insurance provides coverage for pre-existing conditions via the Pre-existing disease add-on cover.

How much GST do I have to pay on travel insurance premium?

If you are buying an individual or family travel insurance policy, you don’t have to pay any GST on the premium. Earlier, 18% Goods and Services Tax (GST) was applicable but that has been removed from 22nd September 2025 by the GST Council of India.

Do I have to apply or opt in to get the GST exemption?

No, 0% GST is applied automatically when you buy a single-trip or multi-trip travel insurance policy.

Does the GST exemption affect my coverage?

No, it doesn’t affect your insurance coverage. The removal of the Goods and Services Tax (GST) only reduces tax paid on the premium. So, you only pay the base premium amount and no additional taxes.

Is GST exemption applicable on all types of travel insurance?

The GST exemption is applicable to retail travel insurance policy (individual and family travel policy) – single-trip travel insurance and multi-trip travel insurance.

Reviews and ratings

4.6
Our customers have rated us
Based on 1051 reviews

I would like to convey my appreciation to your salesperson for her excellent back-end support and guidance. She helped me to customise the travel insurance plan for my upcoming trip to the US as per my needs. I would describe her as a patient, knowledgeable and customer-oriented person. I wish her success in life.

I’ve been residing in India for the past year, and I would like to say that this is the best customer service I’ve ever received in this country! Your salesperson helped me to buy travel insurance in less than 30 minutes. She spoke succinctly, gave honest answers to my queries, and didn’t request me for any irrelevant documents. Thanks for being helpful, polite and patient.

I spoke with your executive in order to know more about the travel insurance plans offered by ICICI Lombard. He patiently guided me through the detailed information about the policies that was available on your website, and simultaneously explained their features. After I’d chosen a suitable plan, he also walked me through the online registration process. I appreciate the service provided.

I am glad that I returned to ICICI Lombard for my travel insurance purchase. Your executive provided me with efficient, personalised service in a prompt manner. She was patient and more than willing to help me choose a suitable policy. I would definitely recommend ICICI Lombard to my friends for their travel insurance needs.

Your executive got in touch with me when I was looking to buy travel insurance for my overseas trip. She helped me to understand the policy advantages like cashless hospitalisation or healthcare, and patiently guided me through the payment. I would like to thank her for being so nice and understanding.

I'm happy with the services offered by ICICI Lombard. What particularly struck me was the efficient customer service. The executive in charge of helping me did a great job. Whenever I had doubts, all I had to do was call and I'd get them resolved! Simply put, a hassle-free purchase.

Read all reviews

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