India travel insurance and destination guide

July 16, 2024

India is a place that awakens all of the senses, it's filled with diversity, colorful surroundings, magnificent scenery and tasty cuisine. There’s a lot to get excited about when thinking of visiting India. With all the excitement and opportunity to explore, thinking about protecting your travels and your health during your adventure to India may not be your first priority, but it’s important to consider a travel insurance or travel medical insurance plan so you can relax and enjoy your vacation.

Aside from finding the right coverage for you, here are some other important travel tips to be aware of before you set off on your Indian adventure:

Traveling to India

Traveling to India offers a rich tapestry of experiences, from the bustling streets of Delhi in the North to the serene backwaters of Kerala in the South. In Northern India, you can explore the majestic Himalayas, visit the iconic Taj Mahal in Agra, and immerse yourself in the vibrant culture of Rajasthan. Southern India, on the other hand, boasts lush landscapes, beautiful beaches, and tranquil hill stations like Munnar, alongside the rich cultural heritage of cities like Chennai and Bangalore.

However, like any travel destination, it's essential to be prepared for the unexpected. Travel medical insurance for India is a crucial aspect of your trip planning, giving you confidence and financial protection against unforeseen events. Whether you're trekking through the mountains, exploring historical sites, or relaxing on the beaches, the right travel insurance safeguards your health, belongings, and travel plans, allowing you to fully enjoy your journey through this diverse and captivating country.

Why you need travel insurance in India

While India beckons with its vibrant culture and exotic charm, unexpected events can disrupt even the best-laid travel plans. Here's why having travel insurance is crucial for when traveling to India for a stress-free and financially secure adventure:

• Medical Emergencies: Health care costs can vary significantly across India. In the event of an illness or injury, travel insurance can cover medical expenses, including hospital stays, doctor consultations, and emergency evacuations.
• Trip Cancellations and Interruptions: Unexpected events such as personal emergencies, natural disasters, or political unrest can disrupt your travel plans. Travel protection can reimburse you for non-refundable trip costs if you need to cancel or cut short your trip.
• Lost or Stolen Belongings: India is a diverse country with busy urban centers and remote rural areas. Travel protection plans for India can provide coverage for lost or stolen luggage, personal items, and travel documents, helping you replace essential belongings.
• Travel Delays: Flight delays and cancellations are common. Travel protection plans can cover additional expenses incurred due to prolonged delays, such as accommodation, meals, and transportation.

What to consider when choosing travel insurance

Not all travel insurance policies are created equally. To navigate your options and find the best fit for your Indian adventure, consider these important factors:

• Trip Details: Choose a policy that covers the entire duration of your trip to India.
• Coverage Limits: Select a plan with adequate medical coverage limits and coverage for trip cancellation/interruption that aligns with your prepaid travel costs.
• Activities: If you plan on adventurous activities like trekking or extreme sports, ensure your policy covers such pursuits. Some plans such as SafeTrip may offer Extreme Sports add-ons that will give you the extra protection you need.
• Pre-existing Conditions: Disclose any pre-existing medical conditions to ensure you're adequately covered.
• Trip Cancellation and Interruption Coverage: Look for a policy that reimburses you for prepaid, non-refundable expenses if your trip is canceled or interrupted for covered reasons.
• 24/7 Assistance Services: Choose a policy that offers around-the-clock assistance services. This can be invaluable in emergency situations, providing help with medical referrals, travel arrangements, and language translation.

A travel insurance plan is a small investment that can save you significant stress and expense during your trip to India. With the right policy, you can explore this incredible country with confidence, knowing you're protected against the unexpected.

SafeTrip's insurance plans

SafeTrip offers a range of insurance plans tailored to meet the diverse needs of travelers heading to India:

International Travel Medical Plus

SafeTrip International Trave Medical Plus plan is perfect for those seeking extensive coverage. It includes high medical coverage limits, emergency evacuation, trip cancellation/interruption, and 24/7 assistance services. Whether you're exploring the Himalayan peaks or the bustling markets of Delhi, this plan ensures you're fully protected.

International Travel Medical

Ideal for travelers focusing primarily on health coverage, the International Travel Medical plan provides robust medical benefits, including emergency evacuation and medical referrals. It's a great option if your main concern is medical security while traveling through India's varied landscapes, from the deserts of Rajasthan to the beaches of Goa.

Each of SafeTrip's plans is designed to offer the confidence you need, allowing you to immerse yourself in the wonders of India without worry. From medical emergencies to lost luggage, SafeTrip ensures you're covered, letting you focus on making unforgettable memories. Choose SafeTrip for your India travel insurance and travel with confidence, knowing you have the best protection at your side.

Frequently asked questions

Do U.S. citizens need travel insurance in India?

U.S. citizens should consider obtaining travel medical insurance with added trip protection when traveling to India. While it is not a legal requirement, travel insurance is crucial for safeguarding against the various risks associated with international travel, such as medical emergencies, trip cancellations, lost or stolen belongings, and unforeseen events like natural disasters or political unrest. Given the diverse and sometimes unpredictable nature of travel in India, having the right travel insurance policy ensures that U.S. travelers are protected financially and can access necessary assistance services, providing confidence throughout their journey.

Is travel insurance mandatory for international flights in India?

Travel insurance is not mandatory for international flights to or from India. However, it is highly recommended for all travelers. Travel insurance provides critical protection against a wide range of potential issues, including medical emergencies, trip cancellations, lost or delayed luggage, and other unforeseen events that can occur during international travel. While airlines and immigration authorities do not require travel insurance, having a comprehensive policy can offer peace of mind and financial security, ensuring that travelers are prepared for any unexpected situations that might arise during their trip.

Do I need a visa to visit India?

Yes.
You will need to apply for a tourist visa before your visit to India. Travelers can obtain e-visas before departure at https://indianvisaonline.gov.in. Additionally, you will need to ensure that your passport is valid for a minimum of six months beyond your planned date of departure from India and has a minimum of two blank pages available for stamping.

Do I need to be vaccinated when traveling to India?

The Center for Disease Control and Prevention suggest that you get the following vaccinations before your trip to India:

• Hepatitis A and B
• Typhoid
• Cholera
• Malaria
• Japanese Encephalitis
• Rabies
• Yellow Fever (Certificate of a yellow fever vaccination is required if arriving within six days from, or transiting in, an infected area. This requirement does not apply to children under six months of age and to travelers who are transiting India by the same aircraft.)

Make sure to also update your routine vaccinations. The standard vaccines are:

• MMR (Measles, Mumps, Rubella)
• Tetanus, Diphtheria and Pertussis
• Influenza
• Polio
• Chickenpox

Book an appointment at your local practitioner or find your local passport health clinic. You should book an appointment at least four to six weeks before your trip.

India travel tips and safety information

Before jetting off on your travels, you should check for any required vaccinations or any epidemic breakouts occurring in India. It’s also a good idea to find out where the nearest hospital is in case of an emergency.

Travel health updates in India
Currently, there are no reported epidemics occurring in India.
To keep up to date on any breakouts, visit the US Centers for Disease Control and Prevention.

Emergency contact information
No one ever wants to have to call the emergency services while they’re on vacation, but unfortunately accidents happen and it’s important to be prepared for when they do.

• Police Emergency Number in India: 100
• Fire Emergency Number in India: 101
• Medical Emergency in India: 102

India Local Laws and Customs

• Drinking alcohol is prohibited in Bihar, Gujarat, Kerala, Manipur, Nagaland and Lakshadweep. If you are caught drinking or in possession of alcohol in these areas you can be arrested and may be charged with a lengthy prison sentence.
• Drug use or possession is illegal in India and there is a minimum 6-month sentence if you are caught.
• Indians usually use their hands to eat, though forks knives and spoons are available at many restaurants.
• Suits and ties are appropriate business attire for men. During the summer months, a long-sleeved shirt and a tie are sufficient. The dress code for IT companies is generally more casual.

Safety and security

Terror attacks
The risk of terror attacks is a global concern. Terrorism poses a significant security threat throughout India. Islamist militant groups have carried out attacks in several major Indian cities in the past and are motivated to stage further attacks. Terrorist groups are likely to try to carry out attacks in India. Attacks have been carried out by insurgent groups like Lashkar-e Tayyiba and Indian Mujahideen. The main focus of attacks has been against Indian government interests but there is also a threat of attack in popular tourist spots like religious sites, beaches and festivals. It’s important to stay vigilant, especially in public places.

Here are a few tips listed from the Travel State Government Website:

• Stay alert and be aware of your surroundings when traveling to popular tourist locations and large crowded public places.
• Follow the instructions of local authorities.
• Monitor local media for breaking events and adjust your plans based on new information.
• Enroll in the Smart Traveler Enrollment Program (STEP) to receive alerts and make it easier to locate you in an emergency.
• Follow the Department of State on Facebook and Twitter.
• U.S. citizens who travel abroad should always have a contingency plan for emergency situations. Review the Traveler’s Checklist.

Petty theft and crime
Like any popular tourist areas, pickpocketing and petty theft are common. Be alert and keep your belongings with you at all times, especially in crowded areas like train stations and popular tourist spots.

Sexual assault
Women should exercise caution when travelling in India even if they are in a group. Over the last few years, reported cases of sexual harassment and assault against women have increased. This includes female tourists. Dress modestly and avoid going anywhere alone.

U.S. Embassy in India
U.S. Embassy New Delhi
Shantipath, Chanakyapuri
New Delhi – 110021
India
Telephone: +(91) (11) 2419-8000
Email: [email protected]

Additional tips for traveling to India

Official languages: Hindi   
India has a highly multilingual population.  Hindi and English are the country’s official languages. Hindi is the most spoken first language and is dominant in national media. South Indians are more likely to speak English as a second language than Hindi. English is the language of politics and business, especially in urban areas. Most workers in the hospitality and transportation industries speak at least some English.

Currency: Indian rupee
Before your trip, make sure to exchange enough rupees for your spending requirements. It’s always a good idea to take some traveler checks with you too.

Indian plug sockets: Types C, D and M
The standard voltage and frequency are 230 V and 50 Hz. You will need a plug adapter for your appliances and devices.
You can determine if you need a converter or a transformer by looking at the appliance rating plate. A dual voltage rated appliance will display for example ‘INPUT: 110 - 240 V’ on the appliance body. In this case, you wouldn’t need a converter or transformer.

Choose SafeTrip for your India travel insurance

When it comes to ensuring your health and safety while traveling in India, SafeTrip's travel medical insurance stands out as a good choice. With coverage tailored to the unique needs of travelers, SafeTrip provides you with confidence with benefits such as extensive medical coverage, emergency evacuation, and 24/7 assistance services. Our plans are designed to cover a wide range of activities, ensuring you can explore India with less worry. Trust SafeTrip to protect you against the unexpected and make the most of your journey with confidence. Choose SafeTrip for your travel medical insurance while traveling to and throughout India so you can make the most of your trip, knowing you are protected.