Travel Insurance India

Colourful and diverse – India offers a cultural awakening for everyone

Coronavirus and your cover
What's covered?
Pre-existing conditions

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), provided you have proof of a positive Covid-19 test and your cover is active at the time of the event.

What we cover

We provide cover for some costs related to Covid-19: please see Section 1 'emergency medical costs and repatriation' and Section 2 'cancelling or cutting short your trip' in your policy book for full details on what's covered.

We'll cover you if:

  • you were diagnosed with Covid-19 before your trip was due to start
  • a close relative died or became seriously ill as a result of Covid-19 before your trip was due to start
  • you weren't allowed to board your pre-booked outbound travel due to symptoms of Covid-19
  • an insured person or a close relative died during the trip because of Covid-19
  • you couldn't take part in an excursion due to you self-isolating after getting Covid-19

What we don’t cover

You won't be covered 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
  • any government or public authority imposes travel restrictions or quarantine on a community, location, or vessel because of Covid-19 (this includes, but is not limited to, local lockdowns, entry requirements, being denied entry and airspace closures)
  • you have to quarantine after arriving in the UK or abroad
  • the Foreign Commonwealth & Development Office (FCDO) change their advice to avoid ‘all travel’ or ‘all but essential travel’ to your destination because of Covid-19

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:

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

This will cover you for:

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

Choose from three levels of cover





£100 £75 £50

Emergency medical treatment & repatriation (Limits up to)

10M 15M 20M

Cancellation or cutting short your trip (Limits up to)

£1.5K £3K £5K

Personal belongings (Limits up to)

£1K £2K £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.

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.

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 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 condition?

A pre-existing 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 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 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 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.

If you wish to get in touch with them you can call them on 0800 138 7777 or find them online. (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)

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:

  • 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.

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

Yes, we can provide worldwide cover for customers up to the age of 75 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 condition?

You can travel to India with pre-existing 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.

Travel Insurance upgrades

Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy.