Compare Travel Insurance to India
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Planning a trip to India from the UK? You'll need to set aside at least £16 for a decent travel insurance policy to last a week, but families and older holidaymakers will pay more, as will those going on longer trips. And in many cases you can actually save money buying an annual, multitrip policy over a single trip policy, but there are conditions.
- How Much Does Travel Insurance to India Cost? Single vs. Annual Multi-trip
- How Much is Travel Insurance to India by Age?
- How Much is Travel Insurance to India for a Family?
- How Much to Insure Your Mobile Phone with Travel Insurance to India?
Average Cost of Travel Insurance to India Cost: Single vs. Annual Multi-trip
For a traveller around age 35, a cheap travel insurance plan for India to cover a week-long trip will cost from around £16—on average for this price point you'd get around £1,675 for Cancellation and £1,200 for Baggage, with a £128 excess. Those seeking higher coverages or a lower excess will need to pay more.
|How Much is Travel Insurance for India?|
|Single Trip (1 week)||£16.2|
|Single Trip (2 weeks)||£22.3|
|Single Trip (3 weeks)||£27.9|
|Annual, Multitrip (Worldwide, ex. USA, CAN and MEX)||£21.0|
Instead of buying a Single Trip policy, buying an Annual, Multi-trip policy might save you money in the long run. First of all, a Single trip policy only covers one trip; an Annual, Multi-trip policy covers multiple trips throughout the year. If you're planning on any other travels then an Annual policy might suit you better. Second, the cost of Single Trip cover is dependent upon the length of your trip—if your trip is going to be a few weeks in length then the cost of Single Trip cover approaches the cost of an Annual, Multi-trip plan (with geographic cover for Worldwide travel, excluding USA, Canada and the Caribbean—including India).
To help you make a decision, you may want to check prices of both a Single Trip policy (with cover for India) and an Annual, Multi-trip policy (with cover for the World—either including or excluding USA, Canada and the Caribbean, depending on your other travel plans throughout the year).
Before committing to an Annual, Multi-trip policy, however, be sure to check the maximum trip length that is covered by the plan. We frequently see a range from 17 days to 45 days. If your trip is longer than the maximum trip length on an Annual plan, your trip won't be covered at all under the policy.
Average Cost of Travel Insurance for Older Travellers to India
While a 25 year old would pay from around £22 for travel insurance to India, a 65 year old would pay from £37 and a 75 year old from £83. Older travelers pay more for holiday cover to India than younger travellers, since mature holidaymakers present a higher risk of emergency medical claims and cancellation due to falling ill—regardless of your destination.
Costs to go up around 65% from your 20s to 60s. Prices really jump up after age 70, with consumers paying more than 2X the premium paid they paid in their 60s. These estimates for travel insurance to India reflect a 2-week-long trip for a healthy individual, booked 6 months in advance. Longer trips would cost more.
|Average Cost of Travel Insurance for India (by age)||Prices from around...|
|25 years old||£22.2|
|35 years old||£22.3|
|45 years old||£23.2|
|55 years old||£27.6|
|65 years old||£36.7|
|75 years old||£83.3|
Those with pre-existing conditions can find more information on how your medical history affects the price of travel insurance in our article on the average cost of travel insurance for medical conditions.
Average Cost of Travel Insurance for Families Travelling to India
A decent travel insurance policy for a family heading to India will start from £35 for a one week stay, but prices go up if you're planning a longer trip. A two week trip would cost from £47 and a three week trip from £57 for a family of 4. It could be cheaper to buy an annual, multitrip policy for your trip. As you can see below, you can buy an annual, worldwide policy for less than the cost of cover for a 3 week trip. Before doing so, however, check the max trip length on any annual policies you're considering.
Children essentially travel for free—that is, a family of four with two adults and two children would pay around 2X the cost of travel insurance for a solo traveller.
|Cost of Travel Insurance to India for a Family of Four||Prices from around...|
|Single Trip (1 week)||£35.1|
|Single Trip (2 weeks)||£47.4|
|Single Trip (3 weeks)||£57.4|
|Annual, Multitrip (Worldwide, ex. USA, CAN and MEX)||£53.7|
Average Cost of Optional Gadget Cover for Travel Insurance
The average cost of optional gadget cover on travel insurance policies is £13.50 for Single Trip policies and £34.80 for Annual, Multi-trip policies. Typically, the cost of optional gadget cover is the same anywhere, regardless of destination; instead, the amount of cover, the length of your trip and/or the type of plan are major factors determining the price of gadget cover.
Optional Gadget Cover is not available on all travel insurance plans but, where offered, will provide financial protection against the loss, theft or damage to items like your mobile phone, tablet and laptop up to a certain amount.
If you are interested in purchasing additional gadget cover, it is available from a number of travel insurance providers including: Admiral, CoverForYou, Debenhams Travel Insurance Review, Insure & Go, Sainsbury's Bank and Travelinsurance.co.uk, quotes for which can be found using the search button below.
Find Cheap Travel Insurance to India
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To determine the average cost of travel insurance consumers heading from the UK to India, we first collected travel insurance quotes from over 100 policies using our travel insurance comparison partner Compare Cover as a proxy for the UK travel insurance market. To get an idea of the true cost of a "cheap" policy, that is, how much someone might need to pay to secure minimum cover, we averaged the 20 cheapest quotes available.
In order to standardize our results, we made certain assumptions about the type of plan and level of coverage sought by the average consumer. Other than the "age" section, our sample traveller was 35 years old and healthy with no pre-existing conditions.