Travel Insurance India


Colourful and diverse – India offers a cultural awakening for everyone

Mystical land of dreams, diversified land, historical culture and magnificent cities – just a few of the ways India is described by locals and travellers alike.

If you’re heading to the south Asian country – a feast for the senses surely awaits, so making sure you have the right travel insurance in place is an important thing to tick off your Indian adventure to-do list.

Travel insurance India – what do I need?

You’ll need worldwide cover for your trip to India. Holiday insurance is divided into different geographical areas, Admiral uses the following three zones:

  • Europe
  • Worldwide excluding USA, Canada and Caribbean
  • Worldwide

This will cover you for:

  • Medical Emergency Cover (including repatriation to the UK if needed)
  • Personal Liability
  • Legal Protection
  • Personal Belongings Cover

Choose from three levels of cover

Admiral

Admiral
Gold

Admiral
Platinum

Excess

£100

£75

£50

Emergency medical treatment & repatriation
(Limits up to)

£10M

£15M

£20M

Cancellation or cutting short your trip
(Limits up to)

£1K

£2.5K

£5K

Personal belongings
(Limits up to)

£1K

£1.5K

£2.5K

Money & documents
(Limits up to)

£300

£400

£500

Read the full list of benefits in the policy summary booklet.

Medical care can be expensive in India and with a world-famous saying coined for tourists in India - ‘Delhi belly’ can affect the best of us, so it pays to have the right cover in place should you need treatment.

Top tips: Never drink the tap water, avoid food that’s been washed with tap water and choose wisely from street food vendors.

We have a guide on the nine things you need to know before visiting India, which is packed with tips on customs, what to wear and safety.

Indian visa requirements

All tourists need a visa for visiting India, and you need to arrange it before you set off. The country is quite strict and if you enter on the wrong visa, you could be detained on arrival, deported and blacklisted so you can’t enter again.

If you’re staying for less than 60 days, you need the double-entry e-Tourist Visa, costing around £54. You must apply at least four days before your date of travel and enter the country within 120 days of its issue.

Longer trips require a full tourist visa, which costs around £120.

If you’re applying through the post, you can expect to wait around two weeks.

Safety in India

Terrorism

Terrorists are “very likely to try to carry out attacks in India”, says the FCO, and tourists are advised to take extra precaution if travelling during India’s general elections (11 April – 19 May 2019) and avoid large crowds and rallies.

At the time of writing (April 2019) the FCO advises against all travel to:

  • The immediate vicinity of the border with Pakistan, other than at Wagah
  • Jammu and Kashmir, with the exception of (i) travel within the city of Jammu, (ii) travel by air to the city of Jammu, and (iii) travel within the region of Ladakh
  • Manipur, except the state capital Imphal, where the FCO advise against all but essential travel

The tourist destinations of Pahalgam, Gulmarg and Sonamarg fall within the areas to which the FCO advise against all travel.

The FCO advise against all but essential travel to:

  • The city of Srinagar and between the cities of Jammu and Srinagar on the Jammu-Srinagar national highway
  • Imphal, the state capital of Manipur

Air pollution

Severe air pollution is a major health hazard in Delhi – the most polluted city in the world, as well as several other cities. Children, the elderly and anyone with pre-existing medical conditions such as asthma or lung conditions should take extra precautions. Carry face masks and check the air quality on the World Health Organization (WHO) website before you travel.

Zika

UK health authorities have classified India as having a risk of Zika infection (ZIKV). Due to a recent outbreak in Jaipur, Rajasthan, pregnant women are advised to avoid travel to Rajasthan until after pregnancy. ZIKV is transmitted by mosquitoes, so take extra protection.

Altitude

There are several major mountain ranges in India and keen hikers will be spoilt for choice when choosing which mountain to tackle.

High-altitude tourist destinations can leave you susceptible to AMS (acute mountain sickness) if you’re going above 3,000m. Treat mild symptoms by resting at the same altitude or lower until recovery.

Your Admiral Travel Insurance covers you for trekking up to 4,000m as standard.

Your questions answered

What vaccinations do I need for India?

Vaccines usually recommended are:

  • Diphtheria
  • Hepatitis A
  • Tetanus
  • Typhoid

Other vaccines to consider:

  • Hepatitis B
  • Rabies

For people at highest risk:

  • Cholera
  • Japanese Encephalitis

Yellow fever vaccination certificate requirements in India are very specific, and you can read more on the WHO website and in our guide to travel vaccinations.

How much is a visa to India?

Visas vary from £54 for a double-entry e-Tourist Visa up to around £120 for a full tourist visa for longer visits. See more above.

Can I get travel insurance for India as a senior citizen?

Admiral Travel Insurance covers you to visit India up to and including the age of 79.

Can I get travel insurance to India with a pre-existing medical condition?

You can travel to India with pre-existing medical conditions if you tell us about them when you’re buying your policy. Find out more about travelling with medical conditions.

What money should I take to India?

The currency in India is the Indian Rupee. The rupee used to be divided into 100 paise, but this changed in 2019 so the lowest value coin is now one rupee.

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