India is a country that stirs the senses. From the buzzing streets of Delhi and the colours of Rajasthan’s palaces to the calm backwaters of Kerala and the snow-capped peaks of the Himalayas, every corner offers something new to discover. But while the experiences are unforgettable, unexpected events can also arise along the way. That’s why having travel insurance for India is essential. With 1Cover, you can explore confidently knowing you’re protected if things don’t go to plan.
For your next India trip, consider 1Cover Travel Insurance...It's the One thing you need when One thing goes wrong.
Health issues can arise anywhere, from minor stomach upsets to mosquito-borne diseases or accidents on busy streets. Unlimited medical benefits include 24-hour emergency medical assistance, ambulance fees and medical evacuations.
Indian cities and towns are often best explored on two wheels. Get cover for riding mopeds and scooters in India, provided you hold the appropriate licence. Full T&Cs apply.
From shopping in Delhi’s markets to souvenirs from Goa, losing belongings can disrupt your journey. Cover applies if your luggage and personal effects are stolen, lost or damaged during your insured trip.
CoversTrips in India can sometimes take an unexpected turn, from weather delays to personal emergencies. If unforeseen events force you to change plans, cancellation cover helps with fees and lot deposits for pre-paid travel arrangements.
Busy stations and crowded streets can make keeping track of documents challenging. This cover helps with the replacement cost if passports, travel documents or travellers' cheques are lost or stolen from you during your journey.
Not only is travel insurance a solid investment against any potential medical costs you may incur overseas (and these can be seriously expensive) it also protects you from unforeseen events like natural disasters, lost luggage, family emergencies and more. While travel insurance is not mandatory for entry to India, it's highly recomended that you avoid travelling overseas without unlimited medical cover.
Yes, if unforeseen events force you to cancel prepaid arrangements, you may be covered for cancellation fees and lost deposits. This applies to things like flights, tours or accommodation that you’ve paid for in advance. Always check your policy wording for specific terms and conditions.
Cover is available if your India trip is directly affected by a natural disaster, such as earthquakes, floods or severe storms. Benefits may include additional accommodation, cancellation or rearrangement costs. However, exclusions may apply if the event was a known risk at the time of purchase.
We cover a wide range of activities with the purchase of our Adventure & Sports Pack. Find out more about activities cover here.
In order to be covered under a 1Cover policy when driving a scooter you must hold a current Australian motorcycle licence for scooters or motorbikes with an engine capacity greater than 125cc. If you are riding a scooter or motorbike with an engine capacity under 125cc you must hold a current and valid driving licence in Australia.
You would not be covered if you are a passenger on a moped, scooter or motorcycle and the person in control does not have a valid motorcycle or driver’s licence valid for the country you are travelling in.
In the event of a terrorist attack or political unrest, there is no cover for cancellation fees and lost deposits, disruption of journey or alternative transport expenses. However, cover is available for all necessary medical/hospital expenses, including the cost of bringing you back home.
If it is deemed that drug or alcohol use could have been a contributing factor to your claim, you will most likely not be covered. Our policy states that any claim arising from being intoxicated, addicted or under the influence of liquor or drugs, except those prescribed by a Medical Adviser, will not be covered. Find out more about alcohol cover here.
Yes, our policies cover Delhi belly, a common type of traveller’s diarrhoea often caused by food poisoning or contaminated water. To avoid illness, only drink bottled water, eat at reputable restaurants, wash your hands regularly and avoid unpeeled fruit and vegetables. You may want to consider taking a regular probiotic a few weeks prior to your trip.
Yes, Australians must apply for an e-Visa online before you travel. You’ll need a valid passport with at least six months’ validity, a recent passport-style photo and a debit or credit card to pay the visa fee.
All travellers should be up-to-date with their routine vaccinations before heading off to India. Vaccinations for hepatitis A, typhoid, Japanese encephalitis, rabies and yellow fever are commonly suggested. Check out our full vaccination guide here.
Travel Insurance policies are not valid if you have moved to another country such as India and you are now living there.
Yes, you can still purchase a policy if you’ve already left, through our Already Overseas cover. This option is designed for travellers who forgot to arrange holiday insurance for India before departure. Waiting periods and age limits apply, and only certain benefits are available, so it’s always best to buy before your trip begins.
Overseas Emergency Medical Assistance: Includes 24-hour emergency medical assistance, ambulance fees, medical evacuations, funeral arrangements, and messages to family and hospital guarantees.
Overseas Emergency Medical And Hospital Expenses: Cover if you are injured or become sick overseas, including; medical, hospital, surgical and nursing.
Dental Expenses: Cover for your emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth.
Additional Accommodation & Travel Expenses: Cover for additional travel expenses if you cannot travel because of an injury or sickness (whilst overseas).
Family Emergency: Cover for additional travel expenses if your travelling companion, or a Relative of either of yours, dies unexpectedly, is disabled by an injury or requires hospitalisation.
Emergency Companion Cover: Cover for additional travel and accommodation expenses if your travelling companion cannot continue their Journey because of an injury or sickness.
Resumption Of Journey: Cover for the cost of airfares for you to resume your journey if you return home because of the unexpected death or hospitalisation of a relative of yours.
Hospital Cash Allowance: Hospital Cash Allowance
Permanent Disability: A permanent disability benefit is payable for total loss of sight in one or both eyes or loss of use of a hand or foot (for at least 12 months, and which will continue indefinitely) within 12 months of, and because of, an injury sustained during your journey.
Loss Of Income: A weekly loss of income benefit is payable if you become disabled within 30 days of an injury you sustained during your journey, and you are still unable to work more than 30 days after returning to Australia.
Credit Card Fraud & Replacement: Cover for the replacement cost of your credit cards lost or stolen from you during your journey, and loss resulting from fraudulent use.
Travel Documents & Traveller's Cheques: Cover for the replacement cost of your travel documents including passports, travel documents or travellers cheques lost or stolen from you during your Journey.
Theft Of Cash: Cover for the following items stolen from your person; banknotes, cash, currency notes, postal orders and money orders.
Luggage & Personal Effects: Cover for luggage and personal effects stolen, lost or damaged during travel. Common claims include luggage, personal effects, cameras, spectacles and a computer.
Luggage & Personal Effects Delay Expenses: Cover to purchase essential items of clothing and other personal items following Luggage delayed and Personal Effects being delayed, misdirected or misplaced by your carrier for more than 12 hours.
Cancellation Fees And Lost Deposits: Covers cancellation fees and lost deposits for pre-paid travel arrangements due to unforeseen circumstances neither expected nor intended by you, and which are outside your control, such as; sickness, injuries, strikes, collisions, retrenchment and natural disasters.
Disruption Of Journey: Cover for additional meals and accommodation expenses, after an initial 6 hours delay, if your Journey is disrupted due to circumstances beyond your control.
Alternative Transport Expenses: Cover for additional travel expenses following transport delays to reach events such as; a wedding, funeral, conference, sporting event and pre-paid travel/tour arrangements.
Personal Liability: Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you.
Rental Vehicle Excess: Cover for the excess payable on your rental vehicle's motor vehicle insurance resulting from the rental vehicle being; Stolen, crashed or damaged and/or cost of returning the rental vehicle due to you being unfit to do so.
India is a country like no other, offering a rich tapestry of experiences that will leave you captivated.
1. Rich Culture: India is home to a vibrant and diverse cultural tapestry with ancient traditions, festivals, and rituals. From the grandeur of the Taj Mahal to the spiritual experience of Varanasi, there are countless cultural landmarks to explore.
2. Delicious Food: India is a food lover’s paradise. From the fiery spices of South Indian cuisine to the creamy dishes of the North, every region has something unique to offer. Whether you’re savoring street food or indulging in fine dining, the flavors are unforgettable.
3. Affordable Travel: Travelling in India is relatively affordable compared to many other destinations. Accommodation, food, and transport options can be very budget-friendly, making it a great destination for travellers looking for value for money.
4. Diverse Landscapes: From the tea-covered hills of Darjeeling and the coral-fringed shores of the Andaman Islands to the sacred riverbanks of Varanasi and the rugged terrain of Ladakh, India offers an incredible variety of landscapes for nature lovers and adventure enthusiasts.
5. Spiritual Wellness: India is the birthplace of yoga and meditation, and many travellers come to experience the country’s spiritual practices. Whether you want to do a yoga retreat in the Himalayas or visit sacred sites like Rishikesh or Bodh Gaya, India offers a transformative spiritual journey.
From busy train stations to winding mountain roads, India is an adventure at every turn. Stay protected with 1Cover Travel Insurance and enjoy the peace of mind that comes with knowing you’re covered. Get a quote today and make the most of your journey.
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1Cover ® is a registered trademark of 1Cover Pty Ltd. 1Cover Pty Ltd ABN 91 105 954 265, is an authorised representative of Coffre-Fort Pty Limited ABN 66 125 358 518, AFS Licence No. 472457. Before you buy, please read the Product Disclosure Statement and Target Market Determination. Any information contained on this website is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these having regard to the Product Disclosure Statement (‘PDS’). Before you purchase, please note in particular, the eligibility criteria, travel warnings in place and limitations to claim under multiple policy sections.
This insurance is underwritten by HDI Global Specialty SE – Australia.
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