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How Much is Travel Insurance to India (2025)?
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Planning a trip to India from the UK? You'll need to set aside at least £36 for a basic travel insurance policy with ~£1K of cancellation coverage for a week-long trip, but families and older holidaymakers will pay more, as will those going on longer trips or those needing higher levels of coverage. 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 30, a cheap travel insurance plan for India to cover a two-week trip will cost from around £49—this figure is the average of the 10 cheapest quotes we found from our partner for travel insurance comparison, QuoteZone. On average for this price point you'd get around £1,000 - £2,000 for cancellation. Those seeking higher coverages or a lower excess will need to pay more.
| How Much is Travel Insurance for India? | |
|---|---|
| Single Trip (1 week) | £36.3 |
| Single Trip (2 weeks) | £49.1 |
| Single Trip (3 weeks) | £65.4 |
| Annual, Multitrip (Worldwide, ex. USA, CAN and MEX) | £45.8 |
Note, the cost of travel insurance for India has doubled or so in the past four years.
Instead of buying a single trip policy, buying an annual, multitrip policy might save you money in the long run. First of all, a single trip policy only covers one trip; an annual, multitrip 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, multitrip 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, multitrip policy (with cover for the World—either including or excluding USA, Canada and the Caribbean, depending on your other travel plans throughout the year).
For the sample traveller above, if they plan to take at least one other trip in the year anywhere in the world (except USA, Canada or Mexico) then it's better value to buy the annual, multitrip policy.
Before committing to an annual, multitrip 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 30 year old would pay from around £49 for travel insurance to India, a 70 year old would pay from around £125 and an 80 year old from around £250. 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. Prices for older travellers have risen even more recently since the onset of the pandemic.
Costs more than double from age 40 to age 70. Prices really jump up after age 70, with 80-year-old consumers paying around 2X the premium paid they paid at age 70. 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) | Average of 10 cheapest quotes |
|---|---|
| 30 years old | £49.1 |
| 40 years old | £50.2 |
| 50 years old | £57.7 |
| 60 years old | £76.1 |
| 70 years old | £125.2 |
| 80 years old | £253.7 |
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 around £128 for a two-week stay, but prices go up if you're planning a longer trip. It could be cheaper to buy an annual, multitrip policy for your trip. As you can see below, a family can buy an annual, worldwide policy for less than the cost of cover for a 2-week trip. Before doing so, however, check the max trip length on any annual policies you're considering to be sure it's long enough to cover your trip.
Children used to 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. But nowadays, travel insurance for a family of four tends to cost more than 2X the cost to insure two adult travellers.
| Average Cost of Travel Insurance for India (for a family of 4) | Premium |
|---|---|
| Single Trip (2 weeks) | £127.8 |
| Annual, Multitrip (Worldwide, ex. USA, CAN and MEX) | £108.6 |
Average Cost of Optional Gadget Cover for Travel Insurance
The average cost of optional gadget cover on travel insurance policies starts from around £20 for a single trip policy, with cover increasing 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.
Older travellers will end up paying more for gadget cover simply because the market narrows in terms of companies that offer both gadget cover and cover for those 70+. That is, only a few companies will cover both, and with less choice and competition, premiums will be higher in most cases.
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, Insure & Go, Sainsbury's Bank and more, quotes for which can be found using the search button below.
Find Cheap Travel Insurance to India
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FAQs
Methodology
To determine the average cost of travel insurance consumers heading from the UK to India, we first collected travel insurance quotes from hundreds of policies as a proxy for the UK travel insurance market from QuoteZone, who powers our travel insurance comparison. 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 10 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 30 years old and healthy with no pre-existing conditions.