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With plans starting at just Rs 241*, Secure your trip with us & Travel the world worry-free

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Travel Insurance -  Your Safety Net at Foreign Shores

A medical or dental emergency can catch you off guard in a faraway land, derail your travel plans, and cost you dearly, as medical expenses in a foreign land can be high-priced. Introducing, HDFC ERGO Explorer Travel Insurance, Your Trusted Safety Companion Abroad. Our Travel Insurance plans are designed to cover a wide range of situations, including medical emergencies, loss of baggage, flight delay, and other unforeseen accidents. We provide reimbursement for essential items in case of delayed or lost check-in baggage, as well as cover for lost passports and international driving license. Additionally, our plans offer assistance in case of accidents and medical evacuation during crises. With many countries mandating travel insurance, it's not just a choice but a necessity. Check out HDFC ERGO’s travel insurance plans online, and gain access to our extensive network of 1 lakh+ cashless hospitals worldwide.

Here's why you need HDFC ERGO's Travel Insurance?

Covers emergency medical assistance.

Met with an unexpected medical emergency, in a foreign territory? Travel insurance, with its emergency medical benefits, is just the friend you need during such a toughtime. Our 1,00,000+ cashless hospitals are there to take care of you.

Covers Travel Related Inconveniences

Flight delays . Loss of baggage. Financial emergency. These things can be quite unsettling. But with travel insurance backing you up, you can keep calm and carry on.

Covers Baggage-Related Hassles

Buy #SafetyKaTicket for your travel. Whenever you’re travelling abroad all baggage carries all your essentials, and we cover you against baggage loss and baggage delay for checked-in baggage.

Affordable Travel Security

Secure your international trips without breaking the bank. With affordable premiums for every kind of budget, the benefits of travel insurance far outweigh the costs.

Round-the-clock Assistance

Time zones don’t get in the way of a good travel insurance plan. No matter what time it is in your part of the world, dependable assistance is just a call away. Thanks to our in-house claim settlement & customer support mechanism.

1 Lac+ Cashless Hospitals

There are a million things you can take on your trips; worry shouldn’t be one of them. Our 1 Lac+ cashless hospitals networked worldwide will make sure your medical expenses are covered.

Introducing HDFC ERGO Travel Explorer

To make your travels filled with excitement and keep worries at bay, HDFC ERGO brings you the all-new international travel insurance, packed with more benefits than you can imagine. Explorer's got your back, whether it is a medical or dental emergency, loss or delay of your checked-in baggage, flight delays or cancellations, theft, robbery or loss of passport when overseas. It comes with up to 21 benefits packed in one, and 3 tailor-made plans just for you.

Schengen approved travel insurance

Competitive premiums, increased sum insured limit, medical & dental emergencies, baggage mishap, in-trip crisis, travel insurance plans for all types of travellers, travel plan for individuals.

If you’re flying solo in your search for new experiences, the HDFC ERGO Individual Travel Insurance, with its host of inbuilt benefits that make your travel experience smooth and seamless, is the trusted companion you need to take along for company.

Travel plan for Families

Family vacations are when you make memories that transcend time and last across generations. Now, with the HDFC ERGO Family Travel Insurance, give your loved ones the security they deserve as you and your family take off into the sunset for the vacation of your dreams.

Travel plan for Frequent Fliers

The HDFC ERGO Annual Multi-trip Insurance is tailored just for you, so you can secure multiple trips under one comprehensive insurance plan. Enjoy multiple trips, easy renewals, in-house claim settlement and so much more.

Travel plan for Students

Planning to pursue higher education at foreign destinations, then do not leave your home without a valid travel insurance. It will secure your prolonged stay and make sure you concentrate only on studies.

Travel Plan for Senior Citizens

Whether planning to go for a leisure holiday or visit a loved one, secure your trip with HDFC ERGO’s Travel Insurance for Senior Citizens to get cover from any medical or dental emergencies that can catch you off guard overseas.

Compare Travel Insurance Plans Online

So, have you compared the plans and found the one that suits you best, what does hdfc ergo travel insurance policy cover .

• Medical Coverage
• Journey Coverage
• Baggage Coverage

Emergency Medical Expenses

This benefit covers hospitalization, room rent, OPD treatment, and Road Ambulance costs. It also reimburses expenses incurred on Emergency Medical Evacuation, Medical Repatriation and Repatriation of mortal remains.

Dental Expenses

We believe dental healthcare is just as important as hospitalization due to physical illness or injury; hence, we cover dental expenses which can occur during your travel. Subject to policy terms and conditions.

Personal Accident

We believe in seeing you through thick and thin. In the event of an accident, while traveling abroad, our insurance plan provides a lump sum payment to your family to assist with any financial burdens caused by permanent disablement or accidental death.

Personal Accident : Common Carrier

We believe in being by your side through ups and downs. So, under unfortunate circumstances, we will provide a lump sum payout in case of accidental death or permanent disablement arising out of an Injury whilst on a Common Carrier.

Hospital cash - accident & illness

If a person is hospitalized due to injury or illness, we will pay the per day Sum Insured for each complete day of hospitalization, up to the maximum number of days stated in the Policy Schedule.

Flight Delay & Cancellation

Flight delays or cancellations may be beyond our control, but worry not, our reimbursement feature allows you to meet any essential expenses arising from the setback.

Trip Delay & Cancellation

In case of a trip delay or cancellation, we will refund the non-refundable portion of your pre-booked accommodation and activities. Subject to policy terms and wordings.

Loss of Passport & International driving license

Losing important documents can leave you stranded in a foreign land. So, we will reimburse expenses related to obtaining a new or duplicate passport and/or international driving license.

Trip Curtailment

Don't worry if you have to cut your trip short due to unforeseen circumstances. We'll reimburse you for your non-refundable accommodation and pre-booked activities as per the policy schedule.

Personal Liability

If you ever find yourself liable for third-party damage in a foreign land, our travel insurance helps you compensate for those damages effortlessly. Subject to policy terms and conditions.

Emergency Hotel Accommodation for Insured Person

Medical emergencies may mean you need to extend your hotel booking by a few days more. Worried about the added expense? Let us take care of it while you recover.subject to policy terms and conditions

Missed Flight Connection

Don't worry about unexpected expenses due to missed flight connections; we will reimburse you for the expenses incurred on accommodation and alternate flight booking to reach your destination.

Hijack Distress Allowance

Flight hijacks can be a distressing experience. And while the authorities help sort out the issue, we'll do our bit and compensate you for the distress it causes.

Emergency Cash Assistance Service

When traveling, theft or robbery can lead to a cash crunch. But don't worry; HDFC ERGO can facilitate fund transfers from the insured 's family in India. Subject to policy terms and conditions.

Loss Of Checked-In Baggage

Lost your checked-in baggage? Don't worry; we'll compensate you for the loss, so you don't have to go without your essentials and vacation basics. Subject to policy terms and conditions.

Delay of Checked-In Baggage

Waiting is never fun. If your luggage gets delayed, we'll reimburse you for essentials like clothing, toiletries and medication so you can start your vacation worry-free.

Theft of baggage and its contents

Theft of baggage can derail your trip. So, to ensure your trip stays on track, we'll reimburse you in case of baggage theft. Subject to policy terms and conditions.

The above mentioned coverage may not be available in some of our Travel plans. Please read the policy wordings, brochure and prospectus to know more about our travel insurance plan.

What Does HDFC ERGO Travel Insurance Policy Not Cover?

Breach of law.

Sickness or health issues caused due to war or a breach of the law is not covered by the plan.

Consumption of Intoxicant substances

If you consume any intoxicants or banned substances, the policy shall not entertain any claims.

Pre existing diseases

If you suffer from any illness before the travel you’ve insured and if you undergo any treatment for an illness that already exists, the policy does not cover expenses related to these incidents.

Cosmetic and Obesity Treatment

Should you or any member of your family opt to undergo any cosmetic or obesity treatment during the course of the travel you’ve insured, such expenses remain uncovered.

Self Inflicted Injury

Any hospitalization expenses or medical costs arising from self-inflicted injuries are not covered by the insurance plans we offer.

Key Features of HDFC ERGO Travel Insurance Policy

  does hdfc ergo’s travel insurance cover covid-19.

The world is returning to normal after being in the clutches of the COVID-19 pandemic for almost two years. However, the worst is not over yet. A new variant of the virus - Arcturus covid variant – has caused much concern among the public and healthcare experts alike. The presence of this new covid variant has been reported in many countries across the globe. The concern regarding this new covid variant is that it is believed to be more transmissible than previous strains, but it is still unclear whether it is more deadly than the previous ones. This uncertainty also means that we cannot put anything to chance yet and must follow the basic precautions to prohibit transmission. Masks, sanitisers and compulsive cleaning should still be our mainstay.

In the face of rising Covid cases in India , the importance of vaccinations and booster doses has again been highlighted. If you aren’t vaccinated yet, it’s high time you get the jab. International visits can be interrupted if you have not taken the requisite doses, as it is one of the mandates for overseas travel. The symptoms of Arcturus covid virus can range from mild to moderate, manifesting as - cough, fever, fatigue, loss of smell or taste, and difficulty breathing. Some individuals may also experience muscle aches, headaches, sore throat, congestion, conjunctivitis, or pink eye. If you experience any of these symptoms while travelling overseas, rush to the nearest hospital for a check-up. Medical expenses in a foreign land can be expensive, so having the backing of travel insurance can be of much help. HDFC ERGO’s international travel insurance policy ensures that you are protected if you catch COVID-19.

Here’s what is covered under the travel medical insurance for COVID-19 -

● Hospitalisation expenses

● Cashless treatment at network hospitals

● Daily cash allowance during hospitalisation

● Medical evacuation

● Extended hotel stay for treatment

● Medical and body repatriation

How to Modify or Extend existing Travel Insurance Policy?

Even though the terms and provisions of your travel insurance are locked in the minute you sign off on the plan and pay your premium, you can modify dates of your existing plan with HDFC ERGO in the following manner:-

Change in Travel Dates prior to undertaking the travel: Dates of travel insurance policy can be changed if the journey has been postponed due to any reason. For example, If the policy was taken from 01-Nov21 to 30-Nov-21, modification can be allowed if the dates have to be changed to 01-Dec-21 to 30-Dec-21. The change is allowed for a date after the one already chosen. Modification is not allowed if the journey is scheduled to begin before the existing date 01-Nov-21. Should such a situation arise, the existing policy will need to be cancelled completely and then a new travel insurance cover can be purchased for the required dates.

Extending the international travel insurance policy is possible subject to the following conditions:

1. The original travel insurance policy has not expired.

2. There is no claim in the original policy.

3. The sum insured will not be enhanced upon extending the plan.

4. You will need to provide a declaration of good health.

5. The premium for extension has to be paid before the actual extension is affected.

6. Total period (policy + extension) does not exceed 360 days.

7. Extension is allowed on Single Trip policies only. Annual Multi-Trip policies cannot be extended.

You can change travel dates for HDFC ERGO travel insurance online in following ways:

1. Visit the HDFC ERGO website here

2. Under the banner, go to ‘ Want to modify existing travel policy? Click here’

3. You will be directed to a new page where you can change or extend travel date.

4. Next, you must enter your policy number.

5. In case of extending your dates, you must pay an extension premium on your travel insurance.

Myths on Travel Insurance

Myth 1 : "i'm healthy, so travel insurance is pointless".

Myth Buster: Even the healthiest of people can encounter mishaps while travelling . Travel insurance isn't just for the accident-prone; it's your trusty sidekick for unexpected bumps in the road.

Myth 2 : "Travel Insurance is Only for Frequent Travelers!"

Myth Buster: Whether you're a frequent traveler or an occasional traveler, travel insurance has your back. It's not just for the frequent flyers; it's for anyone who loves traveling and exploring!

Myth 3 : “Travel Insurance isn’t available for Senior Citizens!"

Myth Buster: Age is just a number, especially in the world of travel insurance! Senior citizens can travel worry-free knowing there are policies tailored just for them.

Myth 4 : "It's Just a Quick Getaway – Who Needs Travel Insurance for That?"

Myth Buster: Accidents can occur at any time and in any place, without prior notice or invitation. Whether it's three days or thirty, travel insurance is your safety net, no matter the time duration.

Myth 5 : " Travel insurance is mandatory only for Schengen countries. Do I still need travel insurance for other countries?"

Myth Buster: Why limit yourself to only Schengen countries? Unforeseen events like medical emergencies, baggage loss, flight delays, etc. can happen in any country. Let travel insurance be your global guardian to travel worry-free.

Myth 6 : "Travel Insurance is too Expensive!"

Myth Buster: While travel insurance may seem like an added cost, it provides peace of mind for potential expenses from flight cancellations, medical emergencies, or trip interruptions. Additionally, you can compare various plans and choose the one that best meets your needs & budget.

Know your Travel insurance premium In 3 Easy Steps

Add your trip details

Fill your personal details

choose your travel insurance plan

Choose your travel insurance plan

Many countries have made it mandatory for foreign travellers to obtain a valid international travel insurance policy before entering their borders

Why do you need overseas travel insurance policy.

With HDFC ERGO travel insurance policy, you can go for a trip without worrying about anything. We provide coverage for untimely expenses that might occur during your journey like, loss of luggage, missing out on connecting flight, or the risk of getting infected by COVID-19. Hence to avoid creating a big hole in your pocket due to any unwanted events, buying comprehensive International travel insurance is a must.

Our travel insurance will essentially secure you under following circumstances:

Medical Expenses

Loss of documents & baggage, flight delays, delay in baggage arrival, emergency dental expenses, emergency financial assistance, international travel insurance for most visited countries.

Take your pick from the options below, so you can be better prepared for your trip to a foreign country

Travel Insurance for UAE

Travel Insurance for France

Travel Insurance for Canada

Travel Insurance for Schengen VISA

Travel Insurance for Japan

Travel Insurance for Singapore

Travel Insurance for Malaysia

Travel Insurance for Australia

Travel Insurance for USA

Travel insurance for thailand, travel insurance for germany.

Travel Insurance for Bali

 here’s what you should keep in mind before buying, the duration of your trip.

The longer your trip, the higher the insurance premium will be, since the risk involved in longer stays abroad is higher.

The destination of your trip

If you’re travelling to a country that is safer or economically more stable, the insurance premium will likely be lower.

The amount of coverage you need

Higher the sum insured higher will be your travel insurance premium.

Your renewal or extension options

You can extend or renew your travel insurance whenever it’s about to expire. Refer policy document for more details.

The age of the traveller(s)

Typically, older travellers may be charged a higher premium. This is because the probability of medical emergencies occurring increases with age.

  Factors That Affect Your Travel Insurance Premium

The country you’re travelling to, the duration of your trip¨, the extent of coverage you choose,   how to claim travel insurance.

The claim process of HDFC ERGO travel insurance is an easy 4 step process. You can make a travel insurance claim online on a cashless as well as reimbursement basis.

• Cashless Claim
• Reimbursement Claim

Intimate claim to [email protected] / [email protected] and get a list of network hospitals from TPA.

[email protected] will share the checklist of documents required for cashless claims.

Mail Documents

Send the cashless claim documents and policy details to our TPA partner- Allianz Global Assistance, at [email protected] .

Our concerned team will contact you within 24 hours for the further cashless claim process as per policy terms & conditions.

Intimate claim to [email protected] and get a list of network hospitals from TPA.

[email protected] will share the checklist of documents required for reimbursement claims.

Send all required documents to [email protected] for reimbursement as per the Checklist

Upon receipt of complete documents, the claim will be registered and processed within 7 days as per policy terms & conditions.

List Of Countries Where Travel Insurance Is Mandatory

Here are some of the countries that require mandatory overseas travel insurance: This is an indicative list. It is advisable to check each country’s visa requirement independently before travel.

Schengen countries

• the Netherlands
• Switzerland
• Liechtenstein and Luxembourg

Other countries

Source : VisaGuide.World

Decoding Travel Insurance Terms

Confused about all the travel insurance jargon floating around? We’ll make it easier for you by decoding some commonly used travel insurance terms.

Sum Insured

The sum insured is the maximum amount the insurance company will pay you in case any of the insurable events occur. In other words, it’s the maximum coverage that you are entitled to under your travel insurance plan.

Sublimits are additional monetary limitations in the coverage offered by your travel insurance policy. They limit the cover applicable to specific insurable events or losses, and they are a part of the original overall coverage offered by the policy.

In some cases, when an insurable event happens, you may have to pay some of the expenses involved out of your own pocket. This amount is known as the deductible. The rest of the expenses or losses will be borne by the insurance company.

Cashless settlement

Cashless settlement is a kind of claim settlement process where the insurer directly pays the costs involved in case of any insurable loss on behalf of the policyholder.

Reimbursement

This is a kind of claim settlement wherein the policyholder pays the expenses out of pocket first, and the insurance company later reimburses the costs as per the coverage limits in place.

Single Trip Plans

Single trip plans are travel insurance plans that provide coverage for only one trip. You can buy this plan in advance of your international holiday.

Multi-trip Plans

Multi-trip plans are travel insurance policies that offer coverage for multiple trips within a predetermined period. Typically, the cover offered by multi-trip plans is valid for one year.

Family Floater Plans

Family floater plans are for families, as is evident from the name. These plans offer travel insurance coverage that extends to every member of the family who is travelling on the insured journey.

Travel Insurance Policy Documents

Travelling to the USA?

There’s nearly a 20% chance that your flight could be delayed. Protect yourself with HDFC ERGO’s travel insurance.

Travel Insurance  Reviews & Ratings

Our customers have rated us

Retail Travel Insurance

09 Feb 2024

I must say, the claim process was incredibly smooth, with prompt communications with the customer service.

10 Nov 2023

I want to express my gratitude for the exceptional support provided by the claim team. I truly appreciate HDFC ERGO's swift settlement process.

STUDENT SURAKSHA OVERSEAS TRAVEL

10 Sep 2021

Happy with the service

my:Single trip Travel insurance

05 Jul 2019

I have seen few of the insurance policies before deciding to choose HDFC insurance as my life partner. One of the interesting part is monthly-autodeduction from my card as well as it sends the reminder before the due date. The app developed is also so friendly to use and gives me a better experience compared to other insurance company.

Pros: - excellent pricing: quotes from other insurers during past three-four years have been always 50-100% higher including all possible discounts and membership benefits - excellent service: choice of billing, payment, documentation options - excellent customer service: newsletters, prompt and professional replies from the representatives Cons: - none till now

Travel Insurance News

North Korea to Reopen Borders for Western Tourists After Nearly Five Years

North Korea is set to reopen its borders to Western tourists, nearly five years after closing them due to the COVID-19 pandemic. This move signals a potential revival of international tourism in the isolated nation, which has remained closed off since January 2020. The reopening may begin as early as next month.

Australia Introduces Digital System to Replace Paper Incoming Passenger Cards

Australia has introduced a new digital system to replace the traditional paper incoming passenger cards. This initiative, aimed at streamlining the entry process, allows travelers to submit their information electronically before arrival. The digital system is part of Australia’s broader efforts to modernize its border management and enhance the travel experience.

Denmark Sets New Salary Declaration Rules for Work Residence Permits

Denmark has introduced new salary declaration rules for work residence permits, requiring employers to provide precise salary details for foreign employees. This change aims to ensure compliance with Danish labour standards and affects both new applicants and those renewing permits. Employers must now submit accurate salary documentation to avoid penalties.

Disney Announces Bold New Attractions in Major Theme Park Expansion

Disney has announced an ambitious expansion plan for its theme parks, featuring new attractions based on iconic villains and Avengers characters. This expansion will include thrilling rides and immersive experiences, aiming to enhance visitor engagement. The project underscores Disney's commitment to continuously innovate and offer fresh experiences to its global audience.

India Eases Travel Ban on Libya, Advises Caution

India has relaxed its travel ban on Libya, allowing citizens to visit the country. However, the Indian government still urges travelers to avoid non-essential visits due to ongoing security concerns. Those planning to travel to Libya are advised to exercise caution and stay informed about the local situation.

Matrix Cellular Launches Affordable eSIM Cards for Hassle-Free International Roaming

Matrix Cellular has introduced international eSIM cards, offering travelers an easy and affordable way to stay connected abroad. The eSIM cards eliminate the need for physical SIM cards, providing seamless roaming across multiple countries. This innovative solution aims to make communication easier for frequent travelers by reducing costs and enhancing convenience.

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Frequently asked questions on travel insurance, 1. is it necessary to buy travel insurance.

Yes, it is. Travel insurance is the ultimate seal of safety you can add to your journey, so you can enjoy your vacation or turn that business trip into a success without worrying about the stressful scenarios that could occur unexpectedly. With travel insurance acting as your #SafetyKaTicket, you can rest assured that you’re insured against the financial losses or burden associated with flight delays, loss of baggage, and even emergency medical expenses when you’re in another city, among other things.

1. Is a medical checkup necessary before the policy is purchased?

We have good news for you here. A medical checkup is not necessary if you’re planning to buy the HDFC ERGO travel insurance policy. You can bid goodbye to health checkups and purchase travel insurance without any hassle.

2. Can you buy travel insurance after booking your trip?

Yes, you most certainly can buy travel insurance after you’ve made a booking for your trip. In fact, it’s a smart idea to do so, because that way, you will have a better idea of the details of your trip, such as the start date, the end date, the number of people accompanying you and the destination. These details are all essential to determine the cost of your travel insurance cover.

3. In which Schengen countries is travel insurance mandatory?

Travel insurance is mandatory for traveling to all 26 Schengen countries.

4. Can more than one policy be issued for the same trip?

No. HDFC ERGO does not provide multiple insurance plans to the same person for the same trip.

5. Is it mandatory for the customer to be in India for international travel policy issuance?

Policy can be taken only if the insured is in India. Cover is not offered for individuals who have already travelled abroad.

6. How does travel insurance work?

Travel insurance acts as a financial safety net and protects you against the possible financial repercussions of unexpected emergencies on your journey. When you purchase a travel insurance policy, you essentially buy a cover against certain insurable events. It offers medical, baggage-related and journey-related coverage. In case any of the insured events, like flight delays, loss of baggage, or medical emergencies occur, your insurer will either reimburse the additional costs that you incur on account of such incidents, or they shall offer a cashless claim settlement for the same.

7. Is it necessary to get prior approval of the insurance provider before proceeding with medical treatment should the necessary arises?

Emergency medical needs must be treated in time if the need arises. And that is why it is not necessary to get any sort of prior approval from the insurer before you proceed with medical treatment, but it is better to inform the insurance company of the claim. However, the nature of the treatment and the terms of the travel insurance policy will determine if the treatment is covered by the travel insurance.

8. Is travel insurance mandatory?

Well, that depends on where you’re travelling to. To be more specific, there are 34 countries that have made travel insurance mandatory, so you’ll need to purchase a cover before you travel there. These countries include Cuba, The United States of America, The United Arab of Emirates, Ecuador, Antarctica, Qatar, Russia, Turkey and the group of 26 Schengen countries.

7. What is a deductible? Why is this necessary?

A deductible is simply that amount of a claim that you will need to meet from your pocket, before the insurer steps in and bears the rest of the costs involved. Insurance policies have deductibles because they help the insurer share the costs with the policyholder. And knowing that some of the costs may need to be borne out-of-pocket keeps the policyholder from engaging in any risky behavior that may result in losses that are insured.

9. What are the age criteria for which you issue a travel insurance policy online in India?

single trip-91 days to 70 years. AMT same, family floater – from 91 days to 70 years, insuring upto 20 people. The exact age criteria vary from one travel insurance policy to another, and also from one insurer to the next. For the travel insurance policy from HDFC ERGO, the age criteria depend on the kind of cover you opt for. • For single trip insurance, people aged between 91 days and 70 years can be insured. • For annual multi trip insurance, people aged between 18 and 70 years can be insured. • For family floater insurance, which covers the policyholder and up to 18 other immediate family members, the minimum age of entry is 91 days and can be insured up to 70 years.

10. When should you buy a travel insurance policy?

That depends on the number of trips you’ll be taking during the year. If you’ll likely just take the one trip, you will want to purchase a single trip cover. The ideal time to buy a travel policy for a single trip is within a couple of weeks of booking your flight tickets. On the other hand, if you plan to take multiple trips during the year, it would be a better idea to purchase your travel insurance plan well in advance, before you book your various trips.

11. Are business travellers eligible to purchase a Travel Insurance policy?

Yes, Indian Nationals travelling abroad for business can purchase travel insurance policy.

12. When does the travel insurance cover begin and end?

Travel insurance is usually taken for the duration of travel. The policy will mention the start and end date on its schedule.

13. Where can customers access the list of network hospitals?

You can find your preferred hospital from among HDFC ERGO’s list of partner hospitals https://www.hdfcergo.com/locators/travel-medi-assist-detail or send mail to [email protected].

14. Can I buy travel insurance after leaving the country?

Unfortunately, you cannot buy travel insurance after leaving the country. The traveller needs to ensure availing of the travel insurance policy before travelling abroad.

15. What are the sublimits of this product?

No sub-limit has been specifically imposed for customers visiting Schengen countries. For insured individuals below 61 years of age, there are no sub-limits applicable under travel medical insurance. Sub-limits are applicable to insured individuals aged 61 years and older for various expenses, including hospital room and boarding, physician fees, ICU and ITU charges, anaesthetic services, surgical treatment, diagnostic testing expenses, and ambulance services. These sub-limits are applicable to all travel insurance policies regardless of the plan purchased. For more details, refer to the product prospectus.

16. Does travel insurance cover OPD?

The cost of a travel insurance policy depends on a lot of factors. The cost is not fixed or uniform for all trips. The following factors determine how much premium would be payable –

● The type of policy

There are different types of travel insurance plans available and each plan has a different premium. Single trip plans are cheaper than annual multi-trip plans. Individual plans are cheaper than family plans and so on.

● The destination

Different countries attract different premiums. Developed countries like the USA, UK, Australia, etc. involve higher premiums than others.

● Number of members travelling

The more the number of members who travel with you the higher would be the premium.

Higher the age higher would be the probability of suffering an illness. As such, premiums increase with age

● Trip duration

The longer the trip the higher would be the premium and vice-versa.

● Plan variant

There are different variants of the same plan. Each variant has different coverage benefits. The higher the variant the more inclusive the plan becomes and so the premiums are higher

● Sum insured

The higher the sum insured that you choose the higher would be the premium and vice-versa

You can use HDFC ERGO’s online calculators to find out the premium payable for the travel insurance plan.

17. Do I need a travel insurance before buying a visa?

No, you cannot buy travel insurance after starting your trip. The policy should be bought before the trip has commenced.

18. How do I choose a travel policy?

You should choose a travel insurance plan based on your travel needs. Here’s how –

● If you are travelling solo, choose an individual policy

● If you are travelling with your family, a family travel insurance plan would be suitable

● If a student is travelling for higher education, choose a student travel insurance plan

● You can also choose the plan based on your destination, like a Schengen travel plan, Asia travel plan, etc.

● If you travel frequently, choose an annual multi-trip plan

After you have shortlisted the type of plan that you want, compare the different policies in that category. There are different insurance companies offering travel insurance plans. Compare the available policies on the basis of the following –

● Coverage benefits

● Premium rates

● Ease of claim settlement

● International tie-ups in the country that you are travelling to

● Discounts, etc.

Choose a policy that offers the most inclusive coverage benefits at the most competitive rate of premium. Choose an optimal sum insured and buy the best plan for securing the trip.

1. What is not covered in travel insurance?

It’s always a good idea to know what the scope of your travel insurance is. When you buy the HDFC ERGO travel insurance policy, do keep in mind that the following incidents, losses, or events are not covered by our travel insurance. • Any sickness or health issues caused due to war or a breach of the law • Claims related to health, if you consume any intoxicants or banned substances • Expenses related to pre-existing diseases • Expenses related to cosmetic surgery or obesity treatment • Any hospitalization expenses or medical costs arising from self-inflicted injuries • Injuries sustained during adventure sports

1. Does travel insurance cover flight cancellation?

Yes, we will reimburse the Insured Person for non-refundable flight cancellation expenses incurred in the event of a flight cancellation.

2. What benefit will I get from this insurance in case of a medical emergency?

This benefit covers hospitalization, room rent, OPD treatment, and Road Ambulance costs. It also reimburses expenses incurred on Emergency Medical Evacuation, Medical Repatriation and Repatriation of mortal remains. Source : https://www.hdfcergo.com/docs/default-source/downloads/prospectus/travel/hdfc-ergo-explorer-p.pdf

4. What does my travel insurance cover?

Your HDFC ERGO travel insurance plan covers a wide range of medical emergencies, baggage-related emergencies and journey-related issues. In the medical emergency coverage, you can rest assured that your policy covers emergency medical and dental expenses, medical evacuation, hospital daily cash allowance, accidental death and even medical/body repatriation. As for baggage troubles, we have you covered in case of loss or delay of checked-in baggage and loss of personal documents. Flight delays, financial emergency assistance, hijacking, personal liability and hotel accommodation are also other benefits you’ll enjoy with our travel insurance plan. Source: HDFC ERGO site - ‘what’s covered’ section

3. Will pre-existing diseases be covered under the travel insurance policy?

No. The HDFC ERGO travel insurance policy does not cover any expenses related to the treatment of a pre existing disease or condition in the duration of your insured trip.

4. If I’m being advised to quarantine; are the accommodations or re-booking expenses covered?

Accommodation or re-booking expenses resulting from a Quarantine are not covered.

7. Are pre-existing ailments or diseases covered under travel insurance plans?

If you undergo treatment for pre-existing diseases during the travel insurance policy period, medical expenses for the same are not covered by the travel insurance policy. However, any medical condition that is diagnosed after purchasing the travel insurance policy will be covered. It is important to disclose all your health-related information at the time of purchasing the travel insurance policy to not face any claim rejections during the trip.

5. Which conditions are covered under medical coverage?

Medical benefit covers hospitalization, room rent, OPD treatment, and Road Ambulance costs. It also reimburses expenses incurred on Emergency Medical Evacuation, Medical Repatriation and Repatriation of mortal remains. Cashless facility is available for receiving treatments at the insurer’s network hospitals.

6. What is flight insurance?

Flight insurance is a part of travel insurance wherein you get covered for flight-related contingencies. Such contingencies include the following –

● Flight delay

● Accidental death due to a crash

● Flight cancellation

● Missed flight connection

7. What do I do if I fall sick when I am overseas?

When you fall sick when travelling contact our Toll free no +800 0825 0825 ( add the area code + ) or chargeable no +91 1204507250 / + 91 1206740895 or write to [email protected]

HDFC ERGO has partnered with Alliance Global Assist for its TPA services. Fill up the online claim form available at https://customersupport.hdfcergo.com/DigitalClaimForms/travel-insurance-claim-form.aspx?_ga=2.101256641.138509516.1653287509-1095414633.1644309447. Fill up a ROMIF form which is available at https://www.hdfcergo.com/docs/default-source/documents/downloads/claim-form/romf_form.pdf?sfvrsn=9fbbdf9a_2 .

Send the filled and signed claim form, ROMIF forms all the claim-related documents to the TPA at [email protected] . The TPA would process your claim request, look for the networked hospitals and assist you with the hospital list so that you can get the medical attention that you need.

1. How can I cancel my travel insurance policy?

Cancelling your travel insurance policy is quite easy. You can place your cancellation request via email or fax. Do make sure that the cancellation request reaches up within 14 days from the policy’s inception date. In case the policy is already in force, you’ll also need to submit a copy of all the 40 pages of your passport, as a proof that the journey has not been undertaken. Do note that cancellation charges of Rs. 250 will be applicable, and the balance amount paid will be refunded.

2. Can I extend my policy?

Currently we cannot extend the policy

3. How many times can we extend the policy?

You can extend your travel insurance policy once. The period of extension depends on the details of the trip. • Single Trip insurance plans can be extended up to 180 days. The total policy period including such extension should not exceed 360 days. AMT policies cannot be extended.

3. What is the maximum number of days for which I can take the travel insurance policy?

Generally, the total policy period, including extensions if any, should not exceed 360 days. However, the limits may vary for specific plans, as explained below. • Single Trip insurance plans can be extended up to 180 days. The total policy period including such extension should not exceed 360 days. AMT policies cannot be extended.-->

5. If I extend my travel insurance policy online, what premium is applicable?

The exact amount of the extension premium depends on many factors like the period of extension, the destination of the trip, the number of people covered, and other aspects of the cover. Simply put, it varies on a case-to-case basis. To extend your policy, you can visit this link. Alternatively, you could als send a mail to us at [email protected]. You will receive a response from our end, detailing the procedure and giving you the details of the additional premium to be paid.

4. Does HDFC ERGO's travel insurance policy come with a free-look period?

No. The HDFC ERGO travel insurance policy does not come with a free-look period.

5. Is there a grace period in travel insurance policy?

Grace period is not applicable to any cover for travel insurance policy.

6. What sum insured should be opted for while traveling to Schengen countries?

The Schengen countries require a minimum insurance of Euro 30,000. Insurance should be bought for an equivalent or higher amount.

7. Are there any sub-limits applicable for Schengen countries?

There are sub-limits applicable for availing travel insurance policy for Schengen countries. Please refer the policy documents to know that sub-limits.

8. If the customer returns home earlier than planned, can he/she get a partial refund on travel insurance?

No, the product does not offer any refund for early returns.

11. If I take a 2 month Travel Insurance Policy, would I be able to extend it later, as per my requirement?

Yes. HDFC ERGO allows you to extend your travel insurance cover by paying an additional premium as long as the existing plan remains unexpired and no claims have been raised. Extension can be taken for a maximum of 180 days. Also, Total period of cover (base policy + extension) should not exceed 360 days.

9. What are the charges for policy cancellation?

A cancellation charge of Rs 250 will be levied if you cancel your HDFC ERGO travel insurance, irrespective of whether you raise the request before or after your trip begins.

10. Do I get a grace period for my travel insurance policy?

No. There is no grace period applicable for a travel insurance policy.

11. What is my travel insurance coverage requirement sum insured while travelling to any of the Schengen countries?

Travel insurance with a minimum equivalent sum insured of 30,000 Euros needs to be availed to travel to Schengen countries. There are about 26 countries that come under the entire Schengen region for you to visit and it is compulsory to have travel medical insurance cover to visit these states. To get Schengen Visa, you need to produce your travel medical insurance document.

12. Is there a partial refund possible on a travel insurance plan, in case the trip is curtailed and the customer comes home earlier than initially planned?

No. Partial refund is not allowed under travel policy.

16. Can travel insurance plans be extended at a later point in time if there is a genuine requirement or an extension of stay?

Yes! The extension is provided on travel insurance policy based on certain conditions such as:

• There should have been no claim under the policy during the period

• The policy is not expired

• Insured needs to provide the declaration of good health

• The sum insured remains the same and no enhancement of the sum insured is allowed

• The total period of policy, base plus extension, does not exceed 360 days.

• The premium for extension needs to be paid before the extension is affected.

12. How is the travel insurance premium calculated?

The travel insurance premium is calculated considering the following details –

● Type of plan

● Destination

● Members to be covered

● Their age

● Plan variant and sum insured

You can use HDFC ERGO’s online premium calculators to find the premium of the policy that you want. Enter in your trip details and the premium would be calculated.

13. What is the document provided as proof of travel insurance?

The policy is issued by HDFC ERGO which serves as proof of travel insurance. The bond is mailed to you on your email ID. Moreover, a physical copy is also sent to your registered address. You can carry this copy as proof of coverage.

14. What are the modes of payment for buying a travel insurance policy?

HDFC ERGO allows both online as well as offline modes of paying for the travel insurance policy. The available modes include the following –

● Demand draft

● Credit card

● Debit card

● Net banking facility

● NEFT/RTGS/IMPS

1. Does a claim have to be lodged or made in a specific time frame from the time of the accident?

In case any of the insured events covered by the travel insurance policy occurs, it’s best to give us a written notice of the incident as soon as practicable. In any case, the written notice must be given within 30 days of such an event occurring. In case the insured event is the death of a person covered by the plan, the notice must be given immediately.

2. How long does it take to process a travel insurance claim?

We understand that during any emergency financial distress, the sooner we can assist you, the better you’ll be able to get through the crisis. That’s why we settle your claims in record time. While the exact length of the period varies from case to case, we ensure that your claims are quickly settled upon the receipt of the original documents.

3. What kind of documentation is required while making a travel insurance claim?

The kind of documentation depends greatly on the nature of the insured incident that has occured. In case of any loss covered by the travel policy, the following proof must be submitted. 1. The Policy Number 2. The preliminary medical report describing the nature and extent of all injuries or illnesses, and providing a precise diagnosis 3. All invoices, bills, prescriptions, hospital certificates which will permit us to accurately determine the total amount of medical expenses (if applicable) incurred 4. In the case another party was involved (like in the case of a car collision), the names, contact details and if possible, the insurance details of the other party 5. In the case of death, an official death certificate, succession certificate pursuant to the Indian Succession Act 1925, as amended, and any other legal documents establishing the identity of any and all beneficiaries 6. Proof of age, where applicable 7. Any such other information we may require to handle the claim In case of any accident covered by the travel policy, the following proof must be submitted. 1. Detailed circumstances of the accident and the names of witnesses, if any 2. Any police reports concerning the accident 3. The date a physician was seen consulted for the injury 4. The contact details of that physician In case of any sickness covered by the travel policy, the following proof must be submitted. 1. The date on which the symptoms of the sickness began 2. The date on which a physician was consulted for the sickness 3. The contact details of that physician

4. What if I lose my baggage? How do I make a claim in such a case?

Losing your baggage during your trip can be inconvenient, because you may need to replace a lot of essentials and spend out of pocket. With a travel insurance policy, you can cushion the financial impact of such a loss. If you lose your baggage during the period the insurance cover is valid, you can register a claim by calling our 24-hour helpline centre and quote the policyholder’s name, the policy number, the insurance company, and the passport number. This needs to be done within 24 hours. Here are our contact details. Landline:+ 91 - 120 - 4507250 (Chargeable) Fax: + 91 - 120 - 6691600 Email: [email protected] Toll free no.+ 800 08250825 You can also visit this blog for more information.

5. How do I claim on my travel insurance?

In case any loss or insured event covered by your travel policy occurs, you can register a claim by calling our 24-hour helpline centre and quote the policyholder’s name, the policy number, the insurance company, and the passport number. This needs to be done within 24 hours. Here are our contact details. Landline:+ 91 - 120 - 4507250 (Chargeable) Fax: + 91 - 120 - 6691600 Email: [email protected] Toll free no.+ 800 08250825

6. Will I be able to extend the travel insurance policy if I already have an ongoing claim?

No. You cannot extend the existing HDFC ERGO travel insurance policy if you have already raised a claim on it.

6. How many days does it take to settle the claim?

The claim is settled in three working days from the date of receiving the last documents for reimbursement. The duration for settling the claim for cashless is as per the invoices submitted by the hospital (approx 8 to 12 weeks).

6. What would be the documents required to file a travel insurance claim for COVID-19?

Documents required for filing a travel insurance claim are the same as Emergency Medical Expenses, which will only cover expenses for patients who test positive for COVID-19. It will not cover expenses for home quarantine or quarantine in the hotel.

1. Can I renew my travel insurance policy online?

only Annual multi-trip policy can be renewed. Single trip policies cannot be renewed.

2. How do I check the status of my HDFC ERGO travel insurance renewal?

Only AMT policies can be renewed. Single trip policies cannot be renewed. Extension of single trip policies can be done online.

3. What are the Details and Documentation of the Travel Insurance Extension?

The details and documentation needed for travel insurance cover/extension are your basic details like name, age, journey details, and start and end day of your travel. You can get travel insurance online by filling out these basic details and paying.

4. Can I extend my travel insurance policy when travelling abroad?

If you are already covered under HDFC ERGO’s travel insurance cover, you can extend your travel insurance only if the policy has not expired. Ideally, if you need to extend your travel insurance, you can do that in India before your journey begins.

Here are a few more points you should keep in mind for extending your travel insurance:

• There should be no claim availed on the original policy.

5. How to Extend Your Travel Insurance Policy?

You can extend your travel insurance policy online by login here , or you can call our helpline no to extend travel insurance.

1. How To Get Travel Insurance With Covid-19 Cover?

HDFC ERGO’s Travel Insurance covers coronavirus hospitalisation. You don’t have to buy separate insurance for COVID-19. Your travel medical insurance will give you cover for the same. You can buy travel insurance online by visiting our website or calling our helpline number 022 6242 6242.

Following are some of the features covered for COVID-19 in travel insurance -

● Hospital expenses if one gets COVID-19 while covered under overseas travel insurance.

● Cashless treatment in network hospitals.

● Reimbursements of medical expenses.

● Daily cash allowance during hospitalisation.

● Expenses related to transferring mortal remains to home country in case of death due to COVID-19

2. When should I buy Covid-19 travel insurance?

Ideally, it would be best if you buy a travel insurance plan like HDFC ERGO's International Travel plan , which covers coronavirus hospitalisation before embarking on your journey. Your travel insurance covers you from the first day of your journey till you return to India. However, it might not be possible to buy one while you are overseas and reap its benefits. So, make it a point to buy your travel medical insurance ahead of time. To avoid last minute hassles buy your insurance as soon as you book tickets for your destination.

3. Does travel insurance cover a positive PCR test?

No, travel insurance doesn’t cover a Positive PCR Test if detected before your journey. However, hospital expenses, medical reimbursements and cashless treatment in network hospitals are provided as mentioned under your travel insurance policy if you get infected with coronavirus while travelling.

4. Can you get a refund on flights if you have COVID?

No, flight cancellations due to COVID-19 infection are not covered under HDFC ERGO’s International Travel Plan.

5. How much does COVID-19 travel insurance cost?

While buying Travel Insurance online, you can opt for Individual Travel Insurance , Family Travel Insurance or Student Travel Insurance , depending on your need and how you plan to travel. Depending on the sum you want to insure, you can also choose from our Gold, Silver, Platinum, and Titanium plans. However, you don’t have to pay extra for COVID-19 coverage. You will be covered for the same in any of the travel plans you choose.

6. Can I get travel insurance with pre-existing conditions and COVID-19coverage?

HDFC ERGO’s travel insurance policy doesn’t cover pre-existing conditions during your stay, even if you are covered under International travel insurance. However, you will be covered for COVID-19 hospitalisation during your insured period.

7. Does travel insurance cover quarantine?

No, HDFC ERGO’s travel insurance plan doesn’t cover quarantine expenses.

8. How can I claim for COVID-19 expenses through my travel insurance?

We will help you settle your claims for COVID-19 hospitalisation and expenses as soon as possible. The claim is settled within three working days after receiving all the valid documents related to your hospitalisation and medical expenses for reimbursement. The duration for settling the claim for cashless is as per the invoices submitted by the hospital (approx 8 to 12 weeks).The claim will cover expenses for the patients who test positive for COVID-19. However, it doesn’t cover expenses for home quarantine or quarantine in the hotel.

9. Does travel insurance cover missed flights due to Covid-19 Testing?

No, HDFC ERGO’s travel insurance doesn’t cover missed flights or flight cancellations due to COVID-19 or COVID-19 testing.

10. How long does it take to process the claim?

While we will try to help you with your claims at the earliest, it isn't easy to define the length of the claim period as it will depend from case to case. Therefore, we try to settle the claims in record time upon receipt of the original invoices.

11.Can the period of travel insurance be extended?

Yes, the travel insurance period can be extended only once, subject to the following conditions.

• The original policy period has not expired.

• There is no claim on the original policy.

• The sum insured will not be enhanced upon extending the plan.

• You will need to provide a declaration of good health.

• The extension premium has to be paid before the actual extension is affected. However, note that you might not be able to extend your travel insurance plan if you have already placed a claim on your existing HDFC ERGO travel insurance policy.

10. Who is a Third Party Administrator or TPA in Travel Insurance?

A third-party administrator provides operational services such as claims processing and other benefits as mentioned in your policy under contract with HDFC ERGO and can assist you in times of emergency when on international shores.

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IMPORTANT BEFORE YOU BUY

It is essential that you check the latest FCDO advice for your destination before you travel. Our travel insurance policies do not provide cover for travel to an area where the FCDO advises against all or all but essential travel.

• Select Quotes
• Extra Cover
• Your Details

Step 1: Your Trip

All fields marked with * must be completed. All prices include Insurance Premium Tax (IPT)

Please take care to answer all the questions accurately and completely. If you don't, we may cancel your policy and we may reject any claims, or not pay them in full.

Which policy is best for you?

Leisure provides cover for a single trip of up to 90 days or for any number of trips of up to 31 days per trip on an Annual multi-trip policy.

Add-ons are also available: Gadget, Cruise, Rental vehicle excess waiver, Golf, Pet care, Wedding and civil partnership ceremony and Business travel.

Medi-Care provides the same cover as our Leisure product plus it can provide cover for pre-existing medical conditions (subject to screening).

Winter Sports provides cover for a single trip of up to 276 days or for any number of trips of up to 31 days per trip on an Annual multi-trip policy if you will be taking part in winter sports during your trip.

Backpacker provides long stay single trip cover for trips of up to 18 months.

Cycle and Triathlon provides cover for a single trip of up to 90 days or for any number of trips of up to 31 days per trip on an Annual multi-trip policy if you will be taking part in cycling activities or an amateur triathlon during your trip. Cover for theft or damage to your bicycle is included.

Winter Seasonnaire provides cover for a ski season of up to 12 months whilst working in a ski resort.

Winter Seasonnaire - staff provides cover for a ski season of up to 12 months whilst working in a ski resort where your employer already provides you with insurance for Emergency Medical and Repatriation expenses whilst at work and during leisure time as this policy will only provide up to £5,000 of cover.

Winter Sports

Cycle and Triathlon

Winter Seasonnaire

Winter Seasonnaire - Staff

Single trip provides cover for one specific trip

Annual multi - trip provides cover if you intend to take several trips in one year.

Destination(s)

For single trip tell us the specific country or countries where you will be travelling.

For annual multi - trip you must select which region you will be travelling to ensuring this will cover you for all the countries you plan to visit. If you are unsure which region your destination(s) falls in, please check the country list within the policy wording.

Single Trip

Annual Multi Trip

Europe including UK

Worldwide exc US, Canada, Mexico and the Caribbean

Worldwide inc US, Canada, Mexico and the Caribbean

Important: For Annual multi trip policies you will not be covered for travel cancellation until your policy start date. Please choose today's date if you want cover as soon as possible.

Please select the number of travellers, you will then see a field for each traveller's date of birth.

Individual is one person who is 18 years of age or older.

Couple is you and your spouse, including a civil partner or co-habitee.

Family is a maximum of two adults (aged 18 or over) can be covered by a Family policy. You, your spouse (including civil partner or co-habitee) and up to 5 of your children aged 17 years and under (at the time of purchase). In this description 'children' includes children, step-children, adopted children, foster children and grandchildren.

Group is a group of individuals travelling together, who may not be related and can be up to 7 people in total.

Individual(s)

Medical exclusions

If you or anyone to be insured on this policy answer Yes to any of the following questions (1 to 4), we will not be able to provide a quote or issue a policy:

• should have sought medical advice?
• is under investigation?
• is on a waiting list to undergo investigation?
• is waiting for test results?
• has been given a terminal prognosis?
• Is any person to be insured on this policy suffering from a medical condition which he/she knows will require medical treatment during an insured journey?
• Is any person to be insured on this policy intending to travel to get medical treatment abroad?
• Has any person to be insured on this policy at any time during the last five years been treated for alcohol or drug addiction?

Please call 0370 950 1790 or visit the BIBA website at www.BIBA.org.uk where you will find a list of alternative providers that may be able to provide cover.

Pre-existing conditions to declare

If you or anyone to be insured on this policy answer Yes to any of the following questions (5 to 8), you must declare your pre-existing medical condition(s) to us:

• Is any person to be insured on this policy suffering from a psychiatric or psychological condition?
• a cardiovascular or heart-related condition such as a heart attack, angina, chest pain or hypertension?
• a lung or respiratory-related condition (not including stable, well-controlled asthma if there is no other medical condition)?
• any form of cancer whether in remission or not?
• a cerebro-vascular condition such as a stroke or T.I.A. (transient ischaemic attack)?
• a renal condition or diabetes?
• is being prescribed regular medication?
• is receiving treatment of any kind?
• is on a waiting list for inpatient hospital treatment?
• has required an organ transplant or required dialysis?
• Is suffering from a medical condition which could reasonably be expected to give rise to a claim?

Please declare any pre-existing medical conditions that you or anyone travelling on this policy have. By answering the medical declaration questions, you confirm you have the authority and will provide complete and accurate medical information about everyone to be covered. If you are unsure of any answers, please contact the person(s) on whose behalf you are answering. If you don't declare pre-existing medical conditions, it may result in part or all of a claim not being paid.

By pre-existing medical conditions we mean:

Any condition, for which you should have sought medical advice, which is under investigation or you are on a waiting list or you are waiting for test results.

You have been given a terminal prognosis.

Any condition which you know will require medical treatment during an insured journey.

You intend to get medical treatment abroad.

You have been treated for alcohol or drug addiction in the last five years.

Any psychiatric or psychological condition.

Any cardiovascular or heart -related condition such as a heart attack, angina, chest pain or hypertension, any lung or respiratory -related condition, any form of cancer, any cerebro - vascular condition such as a stroke or T.I.A. (transient ischaemic attack), any renal condition or diabetes.

Any condition for which, in the last 12 months, you have been prescribed or are on regular medication, received treatment of any kind, required an organ transplant or dialysis.

Any condition which could reasonably be expected to give rise to a claim.

For full details of what is considered a pre-existing medical condition, please click here .

Please note that the Backpacker, Cycle and Triathlon, Seasonnaire and Winter Sports products do not cover pre-existing medical conditions. If you declare any pre-existing medical conditions to us, we will provide you with a quote for the Medi-Care product. Please make sure that this product meets your needs.

Do you have any pre-existing medical conditions to declare?

• Terms of Business

01403 788 513

Our team are here to help: Monday to Friday 9am-5pm

Telephone calls may be recorded for security purposes under our quality control procedures. Calls are charged at local rates from landlines and mobiles.

Discover the ERGO Travel and Care App

ERV travel & care: Your mobile partner for safe travels!

By clicking the ‘Show prices’ button you are confirming that you have read, understand and meet our eligibility conditions.

Eligibility Conditions:

• you are 18 years of age or over at the date of buying the Policy
• you and all persons to be insured have an address in the United Kingdom, Channel Islands or the Isle of Man; and
• you and all persons to be insured have lived in the United Kingdom, Channel Islands or the Isle of Man for at least 6 of the last 12 months; and
• you and all persons to be insured are registered with a GP in the United Kingdom, Channel Islands or the Isle of Man
• you and all persons to be insured are in the United Kingdom, Channel Islands or the Isle of Man when the policy is purchased and have not started a trip.

By clicking the ‘Continue’ button you are confirming that you have read, understood, agree with and meet the above Eligibility Conditions and Statements.

If you are a non-UK resident or have already departed on your trip, please call 0370 950 1790 or visit the BIBA website at www.BIBA.org.uk where you will find a list of alternative providers that may be able to provide cover.