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.
Covid-19 - what our travel insurance covers
Our travel insurance now covers you for certain events related to Coronavirus (COVID-19), as long as you have a medically approved positive Covid-19 test from a registered medical practitioner and your cover is active at the time of the event.
What we cover
- Emergency medical and repatriation costs if you become ill with COVID-19 while abroad and must self-isolate
- Trip cancellation if you (or another travel companion named on your policy) are diagnosed with COVID-19 within 14 days of your trip departure
- Cutting short your trip because you’re denied boarding on your pre-booked outbound travel due to symptoms of COVID-19
- Trip cancellation because of the hospitalisation or death of a close relative due to Covid-19 within the 14 days prior to your trip departure
- You can't continue with a pre-booked excursion because you've been ordered to self isolate by a government authority because you contracted Covid-19 while on your trip
- Cutting short your trip due to your death or the death of a close relative from Covid-19
What we don’t cover
- If you had reason to believe your trip may be cancelled, postponed or cut short when you booked it, purchased your policy or started your trip (e.g. you had reason to believe you may have Covid-19, you were experiencing symptoms, awaiting test results or you knew of the need to take a test or to self-isolate)
- Cancelling, cutting short your trip or being unable to continue with a trip or pre-booked excursion because you’re required to self-isolate due to the potential exposure to Covid-19 (for example being contacted by NHS track and trace) except for reasons specified
- If you travel against Foreign Commonwealth and Development Office (FCDO) advice. You will need to check the travel advice for all countries you visit or will transit through
- Cancelling or cutting short your trip due to the FCDO changing its advice regarding your destination or countries you will transit through due to COVID-19
- Costs incurred as a result of a local outbreak of COVID-19 that meant you couldn’t stay in your pre-booked accommodation or vessel
- Due to travel restrictions or quarantine imposed by any government or public authority, including local lockdowns, being denied entry and compulsory entry requirements
For more information about how Coronavirus (COVID-19) affects your travel cover, see our FAQ page. And remember to check the policy booklet carefully before you buy to make sure our cover meets your needs.
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 four zones:
- Worldwide excluding USA, Canada, Caribbean and Mexico
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
Emergency medical treatment & repatriation (Limits up to)
Cancellation or cutting short your trip (Limits up to)
Personal belongings (Limits up to)
Money & documents (Limits up to)
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
Terrorists are “very likely to try to carry out attacks in India”, says the FCDO, and tourists are advised to be vigilant and take extra precaution in public places including those visited by foreigners such as religious sites, markets, festival venues and beaches.
At the time of writing (July 2020) the FCDO advises against all travel to:
- The immediate vicinity of the border with Pakistan, other than at Wagah (currently closed due to Coronavirus)
- 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 Union Territory of Ladakh
- The tourist destinations of Pahalgam, Gulmarg and Sonamarg, the city of Srinagar and the Jammu-Srinagar national highway are within the areas where the FCDO advise against all travel
The FCDO advises against all but essential travel to the state of Manipur, except the state capital Imphal and the Meiti Valley areas, which include Loktak Lake, Keibul Lamjao National Park and the Imphal War Cemetery.
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.
UK health authorities have classified India as having a risk of Zika infection (ZIKV). ZIKV is transmitted by mosquitoes, so take extra protection.
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.
What if I have a pre-existing medical condition?
A pre-existing medical condition is a short or long term illness or injury you have or have had before you buy travel insurance. This includes having symptoms, tests, diagnosis or medical treatment for a condition.
You can declare your pre-existing medical conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913.
Your pre-existing medical conditions won’t be covered unless you’ve:
- Declared them all on your policy
- Received written confirmation that we’ll cover your medical condition
- Paid any additional premium in full
Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on your policy.
If you don’t tell us about your pre-existing medical conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.
For a quote with us, click the green button above.
The MoneyHelper directory
If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medical directory.
Your questions answered
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.
What vaccinations do I need for India?
Vaccines usually recommended are:
- Hepatitis A
Other vaccines to consider:
- Hepatitis B
For people at highest risk:
- Japanese Encephalitis
Can I get travel insurance for India as a senior citizen?
Yes, we can provide worldwide cover for customers up to the age of 79 years for annual multi trip policies – and up to 85 years for single trip policies.
However, the age limit and level of cover we can offer will depend on your personal information and details of your holiday.
Please get a quote or contact us to find out more.
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.
Getting the most out of your trip
Going anywhere nice?
Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.
Travel insurance that suits you
Whether you're travelling solo, with your family, or with a little one on the way, read our guides to make sure our cover is right for you.