Travel insurance for India

Travel insurance for India

Destinations 

Dates 

Travellers 

From the ancient temples of Mumbai to the picturesque beaches of Goa, India is an exotic travel destination brimming with possibilities. Whether you’re looking for a relaxed coastal escape or a whirlwind tour of South Asia’s biggest cities, the country caters to travellers of all tastes (especially those with a taste for spice!).

While it’s certainly got no shortage of magnificent landmarks, India also has no shortage of dangers for travellers. Sickness, theft, natural disasters and scammers each have the potential to spoil your holiday, which is why it’s so important that you protect yourself with a comprehensive insurance policy when travelling to India.

What does my travel insurance cover me for in India?

Our TravelCare policy is a great-quality and affordable insurance option for your holiday. Our policy covers you for:

Please read the Policy Wording for terms and conditions, sub-limits and exclusions.

If you protect yourself with our TravelCare policy, you also get access to our worldwide emergency assistance team, who offer round-the-clock over-the-phone assistance and advice, every day of the year.

If you’re planning a family trip, travel insurance to cover everyone may not be as expensive as you first think. With SCTI, kids and dependents aged 17 years and under are covered for free if they travel with an adult covered under the same policy.

Traveller at the Holi Festival in India

Cover for medical emergencies and hospital bills

As a developing nation, healthcare in India isn’t always up to the same standard as in New Zealand. Food sanitation and general hygiene are poor in many areas, meaning that stomach bugs like the infamous ‘Delhi Belly’ are common.

We know how upsetting and uncomfortable it can be to fall sick on holiday, which is why our TravelCare policy includes comprehensive cover for medical emergencies and hospital bills, with no excess for medical claims.

To avoid travel diseases like Delhi Belly, remember to:

  • Always stick to bottled water, including when brushing your teeth.
  • Avoid eating raw or undercooked food, including salads, seafood and unwashed fruits and vegetables.
  • Be wary if you choose to eat street food. Any vendors that are popular with locals and tourists alike are usually the safest bet.

Am I covered for cancellations and lost deposits?

Whether it’s a cancelled flight or a booking gone wrong, we know that unexpected events can throw your travel plans out of sync. That’s why we offer cover for cancellations and lost deposits from the moment you purchase your TravelCare policy until the moment you leave New Zealand. So remember, buy your policy early and protect yourself against unplanned cancellations!

We also offer delay cover of up to $30,000 per journey, to provide cover for unexpected events which prevent you from travelling, such as extreme weather.

Indian women carrying water

Cover for natural disasters in India

Severe flash floods, earthquakes, landslides and tsunamis have each caused terrifying damage in India in the past. Flooding is the country's most frequent natural disaster, claiming hundreds of lives and destroying homes.

The monsoon season lasts from July to September, when humid winds from the Arabian Sea cause severe rainfall, flash flooding, landslides and power outages. India has suffered around 300 flooding events since 1950, which have killed over 70,000 people.

If your prepaid travel arrangements (such as flights, accommodation and excursions) need to be changed or cancelled because of an unexpected natural disaster in India, and you purchased your policy before the event occurred, there is cover under the TravelCare policy if you need to change or cancel your prepaid travel plans.

If you are stuck overseas because your flight has been delayed or cancelled due to the unexpected event, we can cover the cost of any additional accommodation and living expenses incurred while you are waiting to return home.

If you purchased your policy after the natural disaster has occurred, you won’t be covered for any alteration costs incurred as a result of the natural disaster, such as cancelling or changing your original flight. However, you will still be covered for other unexpected events in accordance with your policy, such as having your personal belongings stolen or injuring yourself overseas.

Are my phone, laptop and camera covered for theft and damage?

Like many other developing nations, India has a reputation for petty theft, pickpockets and scammers. For example, the country is notorious for its taxi scams, which can be hard to spot for the unwary traveller.

One common scam involves drivers claiming your hotel has changed names or moved destination, and then dropping you at another hotel which is run by their friend or relative. But taxi scams aren’t the only thing hurting the hip pocket of travellers in India. Petty theft is common, and made easy in the crowded streets and bustling markets.

If your valuables are lost, stolen or damaged it can be expensive and upsetting, but our comprehensive TravelCare cover can help you to travel with confidence.

Eating Indian food

Travel safety advice for India

India may be one of the most exotic and exciting travel destinations on your bucket list, but it’s not for the faint-hearted. The sprawling cities packed with a staggering mass of people can cause a sensory overload that is hard to prepare for. However, with the right research, your holiday can be safe and successful.

When travelling in India, remember to:

  • Ease into the diet, especially if spicy food isn’t your forte.
  • Use extreme care when eating meat. As a largely vegetarian country, many restaurants don’t serve meat. When they do, it may have been sitting around for a while.
  • Stay hydrated with bottled water, as India can be hot and dry.
  • Don’t open your mouth or eyes when showering, as tap water contains harmful bacteria.
  • Be on the lookout for scammers and petty thieves.


Please read the PDS including Policy Wording to make sure TravelCare is right for you and your next holiday overseas.

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Issued and underwritten by Southern Cross Benefits Limited trading as Southern Cross Travel Insurance. 

We are a Registered Financial Service Provider and a member of the Insurance & Financial Services Ombudsman Scheme.  Southern Cross Benefits Limited has an A (Strong) financial strength rating given by Standard & Poor's (Australia) Pty Ltd. The rating scale is: AAA (Extremely Strong) AA (Very Strong) A (Strong) BBB (Good) BB (Marginal) B (Weak) CCC (Very Weak) CC (Extremely Weak) SD or D (Selective Default or Default) R (Regulatory Supervision) NR (Not Rated). Ratings from 'AA' to 'CCC' may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories.  Full details of the rating scale are available at www.standardandpoors.com. Standard & Poor's (Australia) Pty Ltd is an approved agency under the Insurance (Prudential Supervision) Act 2010.

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