Travel Insurance Surges 43% in 2025: What Indian Travelers Must Know Before Buying

• Indian travel insurance purchases rose 43% in 2025, driven by increased international travel and risk awareness, according to a Niyo report.
• Most travelers opt for basic ₹50,000 sum insured policies, indicating a preference for low premiums despite rising risks like flight disruptions and baggage issues.
• Delay and baggage covers are crucial; DGCA data shows weather caused 75% of Jan 2025 flight cancellations, and flight/baggage issues are top complaints.
• Travelers should carefully check policy clauses, including delay thresholds, exclusions for pre-existing conditions, sub-limits, and specific weather-related cover.
• Premiums start low (e.g., ₹49), making protection affordable compared to trip costs, and medical/evacuation cover is vital for international travel.

Why It Matters: Indian travelers are increasingly buying insurance; understand policy details for comprehensive protection.