Travel Insurance for India

India is a place of natural beauty and hospitable warmth. However, the country is also an adventurous place to visit. When you travel to India, it’s best that you travel prepared. Get your shots updated to avoid getting sick or infected. Never visit at night and never venture out looking lost on your own in places where the crime rates are high or you’d have an empty wallet—or no wallet at all. With travel inconveniences—and a host of other things—getting a travel insurance India would come very handy to give yourself some sense of protection and coverage.

You need to be street smart when you travel in India. Of course, having a suitable insurance policy will be your best bet against potential threats, especially losing your things, getting into an accident, or suffering from a medical emergency. The Diamond plan of BPI/MS, a non-Schengen travel insurance package, can provide up to ₱1 million in coverage for personal liability. On the downside, it does not cover the location and forwarding of your baggage and personal effects in case of loss.

Travel insurance for India: Coverage you need

There are many things that you can do in India. But the most important thing is that you learn not to do some things. India is a beautiful country. But the amount of health risks, travel inconveniences, and accidents that might come your way makes it important that you remain prepared.

Most of all, get yourself covered with a travel insurance for India. The Diamond plan of BPI/MS, a non-Schengen travel insurance package, provides the following coverage for you for as low as ₱3,046 for a 3-day trip.

1. Personal Accident and Medical Expenses. This travel insurance for India covers ₱2,000,000 for personal accident, ₱1,500,000 of medical expenses while travelling, and a hospital allowance of ₱10,000 for 10 days.

2. Travel Inconveniences. BPI also covers several travel inconveniences like loss of baggage, personal belongings, and travel documents. You are also insured for trip cancellation and termination for ₱50,000 and baggage delay for ₱10,000. Aircraft hijacking and strikes are also covered for ₱20,000 and a rental vehicle cover for ₱10,000.

3. Emergency Assistance. The BPI/MS Diamond Non-Schengen insurance policy gives coverage for personal liability worth ₱1,000,000, and medical evacuation and repatriation at ₱500,000 and ₱250,000 respectively. The policy also covers repatriation of mortal remains and a 24-hour travel assistance hotline worldwide.


After finding the right travel insurance with GoBear, pack some travel tips to help you get around the country and know more about its culture.


Hindi and 18 other regional languages like Bengali, Marathi, Tamil, and Urdu.

Best time to visit

India is always hot but it’s the coolest between the months of November to March. However, you have to be aware of the Indian holidays to avoid very large crowds and costly expenses—as is the usual when national events happen. Some of the holidays you should tick off your calendar are Eid al-Fitr, Eid al-Adha, and other Hindu festivals. Exact dates vary depending on the official declaration so do your homework before you schedule your travel.

Tourist spots in India

Perhaps there’s no other place on earth that will interest and frustrate you more at the same time than India. Most of the tourists spots in India are crowded. But if you want to get the best of these places, start in places where there is more calm and peace like Dharamsala, Thar Desert, Fort Cochin, Colomb Bay, and Kashmir.

After that, you can enjoy the crowds of Agra, Delhi, and Jaipur considered as the “Golden Triangle.”

What to eat in India

To enjoy the tantalisingflavour of Indian food, you should sample some of India’s delicacies like pakora, a popular snack made from deep-fried vegetables. Other specialties to try are paneer, naan, Tandoori chicken, and chai or sweet and strong Indian tea.

Visitors are recommended to bring their own bottled water or drink bottle water since water sources in India are not that safe. You might have a travel insurance for India that covers medical emergencies but it’s better if you know how to keep yourself protected as much as you can to prevent delays over getting sick.

Learn more about the best travel insurance in India and use GoBear Philippines to compare travel insurance with the lowest premiums for your next trip.

Indian culture: Adapt like a local

Since India is a conservative country, it’s best that you wear the custom Indian attire to sort-of blend in. Choose a long, loose tunic or kurta for women or a shalwar kameez or men suit. Also, watch your actions especially among Indian men. Avoid being too close to or too friendly with them to deflect unwanted attention.

Things to do in India

Visiting Taj Mahal is usually on top of the list of tourists who visit the country; hence, it isn’t surprising if you share the same interest. But make sure you wouldn’t miss visiting other cultural sites like the temples at Ellora and Ajanta. Check out the forts, maze-like bazaars, and Delhi’s rich architecture. For fashion, film, and fun, head out to Mumbai. Shimla, Darjeeling, Ooty, and Kodaikanal are the country’s forested highlands. There are beaches for you to try, too. Don’t miss out some more touristy things to do like seeing tigers, Indian rhinos, and Asiatic elephants up close at national parks. Since crowds are unavoidable and accidents do happen, don’t forget to get yourself insured with a travel insurance for India.