The best international travel insurance (for India)

If you are planning your trip either with an agency or on your own, the time has come to know why you must international travel insurance whether you travel to the India as to any other destination.

Is it mandatory to have travel insurance for India?

Travel insurance to India is not compulsory but highly recommended due to the complexity of the country. I would never recommend you to travel without travel insurance, I consider it an irresponsibility that can be very very expensive if the situation gets complicated.

Why travel with travel insurance?

Many travelers consider travel insurance an "expense" but in reality it is an "investment" that can save you a lot of money and headaches.

To book your travel insurance should be one of your must-haves when organizing a trip. For a small additional cost it will allow you to travel with peace of mind in the event of any unforeseen event. One does not know the real benefits of travel insurance until illness, theft, loss of luggage or major ailments such as accidents arise.

Having travel insurance allows you to enjoy your trip without having to think about finding a doctor if you fall ill, haggling over prices, etc.

Is it safe to travel to India?

Traveling to India is safe but as in all destinations, it is necessary to have caution and use common sense. Do not miss my travel guide to India, where you will find more information and tips.

The main problems you may encounter in India:

Delhi Belly or traveler's diarrhea: India is not known for its hygiene, and many people are transient illnesses or discomforts are caused by contaminated food and/or water. Our organism is not used to the bacteria that live there and since we are not immune, it is quite common for travelers to have some episodes of diarrhea during their trip.

Mosquito bites: there are several diseases transmitted by mosquitoes such as malaria, Japanese encephalitis, dengue and Zika virus.

Floods during the monsoon: from June to October there can be torrential rains that often cause heavy floods in the South Indian area (Kerala, Tamil Nadu...) as well as in mountainous areas such as Himachal Pradesh.

Conflict zones: there are territories that it is better to refrain from visiting such as the border areas with Pakistan and Bangladesh and the state of Manipur as well as some rural areas with local conflicts. You can find detailed and constantly updated information at the Ministry of Foreign Affairs website.

Theft: India has a very high respect for foreigners visiting their land but as in all destinations in the world, including first world countries, theft and robbery can occur. Rogue scams and rip-offs are a common occurrence for travelers. In my article on scams and swindles I give you tips to avoid falling into the trap.

How are the hospitals in India and how expensive is medical care?

Compared to other international destinations, India is not one of the most expensive in terms of medical care but any medical visit will end up costing you at least as much as the cost of insurance for your entire stay.

In India there is a lot of wealth and at the same time a lot of poverty. With hospitals it is the same, there are hospitals that I wish you never have to enter and there are "5 star" hospitals just like ours here and with the best care. With international travel insurance in India you will have access to the best hospitals and medical care. In addition, if the situation becomes complicated (which only happens in the worst case scenario), with the travel insurance you can opt for repatriation to your country.

What is the best international travel insurance?

For some time now I always travel with HeyMONDO travel insurance as they have very extensive coverage at the best price in the market. They also have different formats of international travel insurance for you to choose the one that best suits your type of trip, destination, duration and activities.

MONDO has the cheapest travel insurance witht the best coverage. If you want to compare travel insurance both for price and coverage included, you can look at Iati travel insurance, Intermundial or AXA travel insurance.

Points to consider when choosing your international travel insurance

When comparing travel insurance there are several very, very important issues to consider:

Coverage: is the most important point and you should check it well when choosing your travel insurance to India. The assistance you receive at your destination will depend on the coverage of your policy and the services as well. It is not the same an insurance with coverages of 80.000€ than one of 300.000€ and you never know what can happen...

MONDO travel insurances have very broad coverage at the best price.

Language: if you don't speak English, don't underestimate this because when you are vulnerable to illness the last thing you want is to not be able to communicate with doctors. Always choose an insurance that provides assistance in your language and/or interpreter if necessary.

HeyMONDO's travel insurance to India provides this service.

Pay for services at destination: Some insurers have as a modus operandi that you pay the bills at destination and once requested, they initiate the reimbursement process. It is important to choose an insurance that does not make you pay in advance and that they take care of everything. In the end, this will give you tranquility and peace of mind on your journey.

HeyMONDO's international travel insurance will never require you to pay in advance at destination.

Contact your insurer: if you are sick or have an accident in India the last thing you want is to have complications in contacting the insurance company for assistance. You need a process as fast as possible.

HeyMONDO has an app where you will have your insurances and all the necessary information. It is very fast to contact them by chat (24h) and you can call them for free from anywhere in the world.

Benefits of HeyMONDO travel insurance

Price: is super affordable and their coverages are much higher (by far) than those of other insurances with an approximate price.

Types of insurance: HeyMONDO has a wide variety of insurances. There is short trip insurance, long stay travel insurance, annual multi-trip insurance (this is the one I have and it is ideal if you travel a lot) and even travel cancellation insurance which includes up to 47 causes for which the trip may be cancelled. In addition, in some policies there are adventure sports and cruise coverage.

Coverage: HeyMONDO travel insurance has exceptional coverage compared to other insurers.

I share the coverage of HeyMONDO insurance for India both for an 8 days trip and a 15 days trip. This info is orientative as it can change so I recommend you to always check the updated info at the HeyMONDO website directly (I haven't told you yet but with this link you have 5% discount in your travel insurance to India or any other destination):

To contract insurance with the trip started: With the HeyMONDO inssurances you can take out insurance while your trip is in progress. Most insurance companies do not offer this service.

24h /365 days medical attention and medical chat: you always have an online doctor for any questions or care if you are not feeling well. Online chat is available from the HeyMONDO app.

Air claims from AirHelp: very good service if there are delays or cancellations of your flights. They will advise you on how to obtain compensation if applicable. In many cases, because we do not have the hassle of management and little information, we let these situations pass, but with MONDO travel insurance you will be able to obtain compensation for the inconveniences and lost time.

I trust that this article about the best travel insurance for India will be useful and will make you aware of the importance of ALWAYS taking out travel insurance.

For being a reader of MiViajealaIndia you can take out your travel insurance with a 5% discount whether on your travel insurance to India or any international or domestic travel insurance.

 Happy and "safe" trip to India :)