Travel Insurance India

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India has to be seen to be believed. Stretching from the frozen Himalayas in the north, to spice and tea-covered hills in the south; India is a relentless assault on the senses, often all at once. Nearly a million Brit's visit this vast country each year, experiencing a culture like no other. Whether you're backpacking around India, visiting family or on a tailor-made luxury tour, don't leave home without comprehensive travel insurance.

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India is a beautiful, life-affirming country, home to one-sixth of the world's population. It is a melting pot of cultures, religions and ethnicities, where ancient temples nestle between modern, high-rise office blocks. You could spend a lifetime exploring this vast country and only scratch the surface. Whatever your travel plans, ensure you book comprehensive travel insurance.

Essential Travel insurance can cover your trip to India with:

For many, a trip to India is going to be a once in a lifetime opportunity that will create memories that stay with you forever. However, flights to a destination like India are unlikely to come cheap, and may be a good enough reason alone, to buy travel insurance. Our travel Insurance can ensure that you are covered should you have to cancel or curtail your trip; it will also cover the loss, theft or damage to personal possessions and provide emergency medical treatment and repatriation should you need it.

Missed or delayed departures

On selected policies you can claim up to £1,000 per person if you miss your train, ferry or flight due to circumstances beyond your control, such as industrial action, adverse weather conditions and closure of airspace.

Cancellation and curtailment

The cost of flights alone is often a good enough reason to buy travel insurance. If you are forced to cancel your trip before it even begins or stop it short for reasons beyond your control, our travel insurance can help you recover the costs for unused travel, accommodation and other pre-paid expenses and arrangements.

Cover for baggage and belongings

No matter where you travel, you are always at risk of losing, damaging or having your baggage and belongings stolen and a holiday to India is no different. With our holiday insurance for India you can cover your baggage and belongings for up to £2,000.

Sports and hazardous activities

India is an incredible country to visit and although sports may not be at the top of the list for a holiday to India there are some incredible experiences to discover. Elephant riding, safari, trekking are some of the activities that await, all of which can be covered by our hazardous activities and sports insurance.

For a full breakdown of cover, please refer to our Policy Wording Booklet.

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Sports Insurance

From bungee jumping and skydiving and hot air balloon rides, golf, independent traveller cover, trekking and other hazardous activities. We have you covered.

As with all our policies, you have the choice of three different types of policies for your trip to India:

Single Trip

A single trip policy can cover a UK resident aged up to 74 years old for 87 days continuous travel.

For those aged over 74, please visit our specialist over 74's travel insurance page.

Annual Multi Trip

If you plan on making more than two trips within the next 365 days, not only to India, it may be best to compare quotes with our annual multi-trip travel insurance. You can switch between prices for a single and annual multi-trip policy when you receive your quote, to decide which premium works out better value for you.


Our backpacker travel insurance is valid for up to 2 years continual cover and includes working and volunteering abroad. This is one of the most popular choices for those travelling to India on their round the world trip as it works out at such a low premium for comprehensive cover.

India is one of the most popular long-haul destinations among Brit's; the varied climate, topography and culture offer more than your average getaway. If you fancy taking part in sports and activities such as Elephant riding or white water rafting you can add these, and many others as you make your way through your booking.

An Essential Travel insurance policy can cover you for over 100 sports as standard at no extra cost, providing that you are taking part in a non-professional capacity. For the more adventurous travellers, you will be able to add more risqué sports and activities as you make your way through the booking process.

All sports and activities are assigned a sports grade that corresponds to the level of risk involved. The more extreme the sport, the higher the grade you will need.

As a guide, mentioned below are the type of activities you can expect from each sports grade:

  • Sports Grade 1 - Activities like cycling, jet-skiing and kayaking are covered for free. We cover 110 sports at no extra cost.
  • Sports Grade 2 - Activities such as bungee jumping, safari and motorcycling require extra sports cover to be added to your policy.
  • Sports Grade 3 - Activities such as paragliding and tandem sky diving require extra sports cover to be added to your policy.
  • Sports Grade 4 - High risk activities such as canyoning and rock climbing require the highest level of sports cover.

It is very important that you declare a pre-existing medical condition to us when you take out an insurance policy for India. Failure to declare a medical condition which you later claim on could invalidate your entire policy. If you are unsure if your condition is covered, simply follow our online medical screening process on our booking page.

What is a pre-existing medical condition?

Pre-existing medical conditions are those that existed before an insurance policy was taken out. Any disease or illness for which you have ever received medication, advice or treatment or experienced symptoms for.

As with all our policies, you can take out travel insurance policies for up to as many as 8 people. You can select the number of people you wish to cover at the start of your quote.

No. Unfortunately, the UK and India do not have a health agreement. Local medical facilities are not comparable to those in the UK, especially in remote areas of the country. In larger cities, private medical care is available but often very expensive, it is therefore imperative that you take out travel insurance that comprehensively covers any emergency medical treatment and repatriation.
Please note, an EHIC card, formerly an E111, is not valid in India.

It is important that you buy travel insurance as soon as you have booked any accommodation and transport to ensure you benefit from immediate cancellation protection. Our cancellation and curtailment policy can cover events such as the death, bodily injury or serious illness to you, a travelling companion and close relatives. For a full breakdown of what is covered, please read our Policy Guide.

The UK FCO recommend that you contact your GP around 8 weeks before your trip to India to check whether or not you need any vaccinations or other preventative measures. For more information, please visit the FCO foreign travel advice website.

Will I need extra cover for sports and hazardous activities?

Even our cheapest travel insurance covers over 100 sports and activities as standard on all policy levels, but for those who want to try something a bit more risqué, we can provide hazardous activity cover too. Once you have selected your policy you will be given the option to add additional activities and sports.

Scuba Diving

With over 5000 miles of coastline, India can offer some exceptional diving. With access to the Arabian Sea from Goa you can be exploring the vibrant underwater life, pinnacles and shipwrecks just off India's west coast. No matter if you're new to scuba diving or more experienced, you can add scuba diving cover no matter which policy you take.

Scuba Diving up to depths of 20m is automatically covered with our cheapest travel insurance option.
Those planning on scuba diving to depths of up to 30m (Grade 2) or 50m (Grade 3) will need extra cover; this can be added as you make your way through the booking process.

Scuba diving is covered to the confirmed depths per Grade provided you are diving under the direction of an accredited Marshall, instructor or guide. If you are suitably qualified and are not diving alone, cover is provided within the guidelines of the relevant diving or training agency or organisation as confirmed below:

Scuba Diving alone is not covered with our travel insurance.

Winter Sports

Adding Winter Sports cover to your Single, Annual or Backpacker insurance policy will allow you to take part in over 25 winter sports, as well as providing:

Medical Cover: you will be covered for emergency medical expenses that occur should you have an accident and require medical attention including cover for mountain rescue, helicopter rescue costs and repatriation

Equipment: Winter Sports cover also provides peace of mind against any theft, loss or damage to your personal or hired equipment as well as any pre-paid fees.

winter sports cover → winter sports cover →


If you're hitting the fairway in India, we can cover your golf equipment and pre-paid green fees. These can be added to your policy giving you nothing else to work on except your game.

Add extra golf protection to your Single, Annual Multi or Backpacker Trip policy to add extra protection for:

  • Your Personal Equipment up to £1000
  • Hired Equipment up to £200
  • Pre-paid Green Fees up to £300
golf trip insurance →


Self employed or working for a company, if you are travelling for work you can add extra protection against accidental loss, theft or damage to your business equipment to your Single, Annual Multi or Backpacker Trip policies.

Business cover protects equipment such as cameras, mobiles, laptops that you need to work or have with you in meetings.

business trip insurance →


If you're sailing to India by cruise ship, ensure you add extra cover for missed port, cabin confinement and unused excursions. This can be added to any of our Single, Annual or Backpacker Trip travel insurance policies.

Cruise cover will add extra protection for:

  • Extended baggage cover up to £3,500
  • Missed shore trips up to £500
  • Cabin confinement (due to illness) up to £600
  • Valuables up to £700
cruise insurance →


India can be a popular destination for those wishing to marry abroad. If you're planning on tying the knot, extra cover for accidental loss, theft or damage to your wedding clothes, rings, gifts and photos can be added to your Single, Annual or Backpacker Trip policy, to help ensure that your special day is everything it’s meant to be.

  • Wedding Clothes up to £1500 per person
  • Wedding Gifts up to £1000 per couple
  • Wedding Rings up to £250 per person
  • Wedding Photographs up to £750 per person
wedding travel insurance →

Excess Waiver

Should you need to claim on your travel insurance an Excess is the amount that you'll have to pay before we pick up the rest of the bill.

Avoid paying any excesses by adding the Excess Waiver option to your Single, Annual Multi or Backpacker Trip policy.

find out more →

Independent Traveller

If you've packaged your entire holiday yourself (without the help of a travel agent), as many backpacker's do, the Independent Traveller add-on will provide cover for additional scenarios such as:

  • Extended Cancellation and Curtailment: If you need to cancel or return home early because your booked accommodation becomes unreachable and unusable due to a travel ban or evacuation
  • Extended Delayed & Missed Departure: Not only will we pay you for the first 12 hours of delay, we'll also help with pre-paid travel, accommodation & any alternative travel arrangements you may need to make
find out more →

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Essential Travel is a trading name of Holiday Extras Cover Ltd, which is authorised and regulated by the Financial Conduct Authority FRN 828848. Holiday Extras Cover Ltd 05058680 is registered in England and Wales. Registered office address: Ashford Road, Newingreen, Hythe, Kent CT21 4JF.

Essential Travel is underwritten by White Horse Insurance Ireland dac who are authorised by the Central Bank of Ireland. To check this you may visit