Traveling is exciting, but uncertainties like medical emergencies abroad (costing ₹20-50 lakhs+), flight delays, lost baggage, or trip cancellations can turn it costly. Getting travel insurance quotes online is the smartest way to compare travel insurance online plans and secure comprehensive coverage at the best price—premiums often starting ₹20-50 per day.
As of December 2025, the full exemption of 18% GST on individual and family travel insurance premiums (effective September 22, 2025) has reduced costs significantly, making high-coverage plans more affordable. This guide shows how to fetch instant travel insurance quotes, compare options, and get the optimal coverage for your trip.
(Suggested Featured Image: Family researching travel insurance quotes online on laptop with world map and airplane elements.)
Why Get Travel Insurance Quotes Online in 2025?
Offline purchases limit options and add agent fees. Opting for travel insurance online provides:
- Instant Personalized Quotes: Tailored premiums in seconds.
- Easy Side-by-Side Comparison: 20+ insurers on one platform.
- Exclusive Savings: Online discounts + 0% GST (up to 18% cheaper).
- Transparency: Clear coverage, no hidden charges.
- Quick Issuance: E-policy instantly.
Platforms like Policybazaar, insurer sites (Tata AIG, HDFC ERGO, ICICI Lombard, ACKO), and apps ensure seamless experiences. Annual multi-trip plans save more for frequent travelers.
(Image: Person using an online premium calculator to compare travel insurance quotes.)
Step-by-Step: How to Get Travel Insurance Quotes Online
- Evaluate Needs: Trip type (single/multi), duration, destination, travelers, medical sum insured ($50,000-$1M+).
- Choose Platform: Aggregators like Policybazaar or direct sites.
- Input Details: Travel dates, ages, destination, trip cost.
- Receive Quotes: Multiple travel insurance quotes instantly.
- Compare Key Aspects:
- Premium vs. coverage.
- Medical limits/evacuation.
- Baggage/trip delay benefits.
- Add-ons/exclusions.
- Claim settlement ratio (>95%).
- Customize: Add adventure sports, PED cover, COVID extensions.
- Review & Purchase: Pay online, get e-policy.
Just 10-15 minutes for the best deal!
(Image: Comparison chart illustrating different travel insurance plans.)
What to Focus on When Comparing Quotes
Prioritize these for the best price and coverage:
- Medical Coverage: High limits for expensive destinations.
- Trip Cancellation/Delay: Reimbursement up to trip cost.
- Baggage Loss/Delay: $500-1,000+.
- 24/7 Assistance: Global helplines.
- Visa Compliance: Schengen/USA requirements met.
- CSR: High ratios (e.g., ICICI Lombard ~98%).
IRDAI ensures continued COVID and standard protections.
(Image: Travel insurance protection shield with medical, baggage, and flight delay icons.)
Top Travel Insurance Plans to Get Quotes For in 2025
Standout plans (post-0% GST savings):
- Tata AIG Travel Guard: Unlimited evacuation, strong for families/multi-trip.
- HDFC ERGO Travel Explore: PED/adventure add-ons, affordable.
- ICICI Lombard iTravel: High CSR (~98%), cashless global.
- Bajaj Allianz Travel Elite: Hijack benefit, family floater.
- ACKO Travel: Starts ₹8-20/day, app-based, quick claims.
- Niva Bupa TravelSafe: Student/senior options.
Get travel insurance quotes online to view real-time premiums tailored to you.
(Image: Happy family traveling safely, representing insured peace of mind.)
Tips for the Best Price on Travel Insurance Quotes
- Buy Early: Lower premiums, full cancellation cover.
- Family/Multi-Trip: Cheaper overall.
- Higher Deductible: Reduces cost.
- Compare Multiple Platforms: Exclusive deals.
- No Unneeded Add-Ons: Stick to essentials.
- Non-Smoker/Healthy Discounts: Apply if eligible.
- Leverage 0% GST: Direct savings on every quote.
Common Pitfalls When Fetching Quotes Online
- Selecting cheapest without checking coverage gaps.
- Low medical sum for high-risk destinations.
- Not disclosing PEDs/smoking.
- Ignoring exclusions (war, extreme sports without add-on).
- Buying after departure (no/limited cover).
Always check policy wordings and CSR.
Conclusion: Find Your Best Coverage Today
Obtaining travel insurance quotes online is free, fast, and helps secure travel insurance online at the best price with robust protection. With 0% GST slashing costs in late 2025, top plans from Tata AIG, HDFC ERGO, and others offer excellent value.
Start comparing quotes now—protect your trip and travel worry-free!
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