The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

Average Cost of Travel Insurance to India 2018

Find Cheap Travel Insurance to India

Protect your holiday today. Quick quotes from over 45 insurers.

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Planning a trip to India from the UK? You may want to consider buying travel insurance to help protect you financially against holiday mishaps like medical emergencies, cancellation cover (e.g., if you fall ill and can’t travel) and loss, theft or damage to your personal belongings (e.g., baggage).

photo of rajasthan, India

But how much does holiday cover for a trip to India cost the average Brit? We’ve priced over 100 policies from Compare Cover for a range of traveller ages. Use this information to give you an idea of what you can expect to pay.

Average Cost of Travel Insurance to India Cost: Single vs. Annual Multi-trip

For a traveller in their mid-30's, buying Single Trip travel insurance for a week-long trip to India will cost on average £24.11, providing around £2,800 for Cancellation and £1,800 for Baggage. The data showed a large range of prices, however, with costs anywhere from £6.94 up to £76.36. Generally speaking, the cheapest travel insurance to India will offer less cover and impose a higher excess, as you can see in the following table:

Cost of One-Week, Single Trip Travel Insurance to India (booked one month in advance)

PremiumEmergency MedicalCancellationBaggageExcess
Cheapest£6.94£10 Million£1,000£1,000£150
Most Expensive£76.36£10 Million£5,000£3,000£0
Average£24.11£12.5 Million£2,771£1,757£106
Average of 20 Cheapest£11.18£11.7 Million£1,263£1,113£149

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).

chart showing the cost of travel insurance to 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

Older travelers pay more for holiday cover to India than younger travellers, due to a higher risk of emergency medical claims and cancellation. Expect costs to go up around 80% from your 20s to 60s. Travellers in their 70s, however, pay more than 2X the premium paid by someone in their 60s. A significant price rise with age is true of any destination, not just India.

chart showing cost of travel insurance to India for those aged in 20s, 30s, 40s, 50s, 60s, and 70s

Prices reflect a 2-week-long trip to India for an individual, booked 6 months in advance.

AgePremium
20s£31.63
30s£31.98
40s£33.2
50s£40.89
60s£56.05
70s£125.50

If you have any pre-existing conditions you can find more information in our article on the average cost of travel insurance for medical conditions.

Average Cost of Travel Insurance for Families Travelling to India

Many travel insurance providers will cover children for free—that is, for a family of four with two adults and two children, you'd pay around 2X the cost of travel insurance for one individual adult. For a two-week-long trip to India, it would cost around £66.50 to buy a Single Trip travel insurance policy for a family of four. Buying an Annual, Multi-trip policy would cost around £89 for Worldwide cover excluding USA, Canada and the Caribbean (including these medically-expensive geographic areas increases the average cost of travel insurance).

chart showing the average cost of travel insurance to india for a family of 4
Cost of Travel Insurance to India for a Family of FourSingle Trip Policy (2 weeks long)Annual, Multi-trip Policy (Worldwide, excl. USA, CAN & Carib.)
Individual£31.98£44.42
Family of Four£66.49£89.09

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.

chart showing the cost of optional gadget cover for travel insurance for £1,000, £2,000 and £3,000 of cover, for both Single trip plans and Annual, Multi-trip plans

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

Protect your holiday today. Quick quotes from over 45 insurers.

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Comments and Questions

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.