Travelling involves adventure and exploration as you explore new places. It also involves a break from daily life and a change of pace whether you travel for leisure or for business. Though travelling is fun, it is fraught with uncertainties. You can face different types of contingencies when you travel. When such contingencies occur, they not only cause inconvenience and emotional trauma, they also incur financial losses. These financial losses can be taken care of by a travel insurance policy. The policy covers the different types of travel-related contingencies which you might face on your trip and compensates you for the loss that you suffer.

Overview of ICICI Lombard travel insurance

ICICI Lombard General Insurance Company is a reputed name in the general insurance industry. The company offers different types of general insurance policies and travel insurance is also a product category offered by the company. ICICI Lombard travel insurance plans cover international trips taken for business or leisure. The policies provide an exhaustive scope of coverage, both inbuilt as well as optional, which make your trips financially secured against possible contingencies. You can choose a policy as per your coverage needs and also cover all family members travelling with you.

Why choose ICICI Lombard travel insurance?

ICICI Lombard travel insurance plans have the following features and benefits which make them a good fit for your travel insurance needs.

  1. ICICI Lombard travel insurance policies provide you with the benefit of cashless hospitalisation anywhere in the world. This allows you to take convenient medical assistance in case of injuries or illnesses suffered during your trip
  2. Different types of policies have been designed for different travelling needs ensuring that you find the most suitable policy for your trip
  3. Coverage is allowed up to USD 500,000 under ICICI Lombard travel insurance which is an optimal coverage level for expected financial contingencies
  4. No pre-entrance health check-ups are required until 85 years of age to buy ICICI Lombard travel insurance plans
  5. You can also extend your policy if your travel gets extended due to unavoidable reasons

Types of ICICI Lombard travel insurance plans

The list of travel insurance policies offered by ICICI Lombard and their features and coverage benefits are discussed below –

1. ICICI Lombard International Travel Insurance Plan

This travel insurance plan covers international trips taken anywhere in the world. You can buy this policy for Schengen travel, for travelling to any country except the USA and Canada and also for travelling worldwide including USA and Canada. The salient features of the policy are as follows –

  1. The plan has an extensive scope of coverage where almost all possible types of financial contingencies are covered
  2. There are three plan variants which are Silver, Gold and Platinum. The sum insured and the coverage features depend on the plan variant that you choose
  3. There are a range of value-added services which you can avail if you have dependents in India when you travel
  4. You can pay the premium on a per-day coverage basis if your trip duration is for more than 7 days
  5. You can avail coverage for up to 360 days in a year as the policy allows you to extend an existing coverage by up to 180 days

Coverage benefits of ICICI Lombard International Travel Insurance Plan

The International Travel Insurance plan covers the following types of contingencies –

  1. Cost of medical treatments and evacuation
  2. Repatriation of mortal remains
  3. Daily allowance benefit per day of hospitalisation if you are hospitalised for more than two days
  4. Cost of dental treatments incurred due to an injury
  5. Coverage against accidental death and permanent total or partial disablement
  6. Personal liability cover if you cause any harm or damage to another individual
  7. Coverage against accidental death when travelling in a common carrier
  8. Complete loss of checked-in-baggage
  9. Cost of evacuation due to political risks and catastrophes
  10. Coverage for compassionate visit by your family member if you are hospitalised for more than 5 days
  11. Delay in receiving the checked-in-baggage by more than 6 hours
  12. Loss of passport
  13. Trip cancellation or interruption due to unavoidable reasons
  14. Delay of your trip
  15. Bounced booking costs
  16. Emergency cash advance if you lose your travel funds
  17. Emergency extension of hotel stay due to delay of trip because of unavoidable causes
  18. Loss of baggage and personal belongings
  19. Missed flight connections
  20. Allowance payable in case of hijack of the travelling vessel for more than 12 hours
  21. Return airfare cost of an unaccompanied minor
  22. Cost of home insurance for protection of home against fire, burglary and other natural calamities in case of your absence
  23. Eligibility conditions of ICICI Lombard International Travel Insurance Plan

    Entry age

    3 months to 70 years

    Sum assured

    USD 50,000 to USD 500,000

    Coverage duration 

    Up to 180 days + extension allowed for up to 180 days

2. ICICI Lombard Senior Citizen Travel Insurance Plan

This travel insurance policy is designed specifically for older individuals who are going on a trip. Individuals aged 71 years onwards can be covered under the policy. The features of the plan are as follows –

  1. Sum insured of up to USD 50,000 can be availed by senior citizens
  2. The policy would also cover senior citizen spouse travelling together with the proposer
  3. Coverage is available for the entire trip duration

Coverage benefits of ICICI Lombard Senior Citizen Travel Insurance Plan

The Senior Citizen policy covers the following contingencies suffered when on an international trip –

  1. Medical treatments and medical evacuation
  2. Repatriation of remains if the insured dies on the trip
  3. Total loss or delay of checked-in-baggage
  4. Cost incurred due to loss of passport
  5. Personal liability cover for causing harm to any individual or causing property damage while on the trip
  6. Personal accident cover against accidental death and permanent disability
  7. Hijack distress allowance if the transportation vessel is hijacked and the hijack continues for more than 12 hours. The allowance is paid as a daily benefit for up to seven days
  8. Emergency cash advance if you lose your wallet or money when travelling
  9. Cancellation or interruption of the trip
  10. Missed flight connection
  11. Delay of the trip
  12. Evacuation to your residence country due to political instability or catastrophe
  13. Eligibility conditions of ICICI Lombard Senior Citizen Travel Insurance Plan

    Entry age

    71 years to 85 years

    Sum insured

    USD 25,000 to USD 50,000

    Policy duration

    Up to 180 days + extendable by another 180 days

3. ICICI Lombard Gold Multi-Trip Plan

This is an annual international travel insurance policy which covers multiple trips taken within the year. You can take innumerable trips in a year and coverage would be allowed for each trip. This policy is suitable for frequent travellers and businessmen who travel frequently for work related purposes. Multi-trip policies prove more convenient than buying individual single trip policies for frequent travels and they are cheaper too. Let’s understand the main features of Gold Multi-trip Plan offered by ICICI Lombard for frequent travellers –

  1. Sum insured of up to USD 500,000 is available under the policy
  2. There are three options to choose from where the options allow 30 days, 45 days and 60 days as the maximum trip duration per trip
  3. The scope of coverage is optimal and the plan also allows individuals to opt for a desired coverage level

Coverage benefits of ICICI Lombard Gold Multi-Trip Plan

The Gold Multi-Trip Plan provides coverage for the following –

  1. Cashless medical treatments and evacuation
  2. Repatriation of mortal remains if the insured dies while on the trip
  3. Dental treatments undertaken due to an injury
  4. Delay or loss of checked-in-baggage
  5. Personal legal liability faced when a third party is physically injured or when a property belonging to another individual is damaged by you
  6. Loss of your passport
  7. Coverage against accidental death and permanent total and partial disability
  8. A daily allowance payable in case of hijack of the mode of transport which you use. This allowance is payable if the hijack continues beyond 12 hours. Moreover, the allowance would be paid for up to a period of 7 days
  9. Emergency cash advance in case you lose your travel funds
  10. Interruption of an ongoing trip or cancellation of the trip altogether
  11. Missed flight connection
  12. Evacuation due to any type of catastrophe or political risk
  13. Coverage against accidental death suffered when travelling in a common carrier
  14. Eligibility conditions of ICICI Lombard Gold Multi-Trip Plan

    Sum insured

    USD 100,000, USD 250,000 and USD 500,000

    Trip duration

    One year

    Maximum coverage for each trip – 30 days, 45 days or 60 days as selected by the insured

4. ICICI Lombard Asia Travel Insurance Plan

This is a continent specific policy which covers trips taken within Asia itself like Thailand, China, UAE, etc. The salient features of the plan are as follows –

  1. Countries covered under the policy include Pakistan, Bangladesh, Nepal, Bhutan, Sri Lanka, Thailand, Korea, Philippines, Saudi Arabia, etc.
  2. The scope of coverage allowed by the plan is comprehensive
  3. You can also include your family members under the scope of coverage of the policy

Coverage benefits of ICICI Lombard Asia Travel Insurance Plan

Coverage under Asia Plan includes the following features –

  1. Coverage for cashless medical treatments including medical evacuation if required
  2. Repatriation of mortal remains if the insured dies while on the trip
  3. Cost of dental treatments which are undertaken due to an injury
  4. Complete loss of the checked-in-baggage
  5. Delay of the checked-in-baggage by more than 6 hours
  6. Loss of passport
  7. Personal liability incurred when an individual is physically hurt or when an individual’s property is damaged by you
  8. Accidental death or permanent partial or total disability suffered
  9. Hijack distress allowance payable per day of hijack for a maximum of 7 days
  10. Emergency cash advance if you lose your cash
  11. Costs incurred on trip cancellation or interruption
  12. Missed flight connection
  13. Costs incurred on delay of your trip
  14. Cost of evacuation done due to political risks of catastrophic events
  15. Coverage against accidental death suffered when travelling in a common carrier
  16. Eligibility conditions of ICICI Lombard Asia Travel Insurance Plan

    Sum insured

    USD 25,000

    Coverage duration

    180 days + extendable for another 180 days

Exclusions under ICICI Lombard travel insurance plans

Though ICICI Lombard travel insurance plans provide a comprehensive scope of coverage for medical and non-medical contingencies, there are many instances which are not covered under the plans. These instances are called policy exclusions and some common cases of exclusions under all types of ICICI Lombard travel insurance plans are as follows –

  1. Any illness, diseases, injury or death suffered due to a pre-existing illness would not be covered under ICICI Lombard travel insurance plans
  2. Accidents suffered due to participation in hazardous activities or adventure sports are not covered
  3. Claims occurring either before the trip has started or after the trip has been completed would not be covered
  4. Fraudulent claims are not covered
  5. Accidents suffered due to suicide, self-inflicted injuries, acts of criminal nature, etc. are not covered under the plan
  6. Illnesses or accidents suffered due to war, nuclear perils and war like situations would not be covered
  7. If you have an immigration visa, claims occurring after 90 days from the policy start date would not be covered even if you have opted for a longer coverage duration
  8. Travelling against medical advice is not covered
  9. Travelling only for the purpose of availing medical treatments would not be covered
  10. Pregnancy, child birth and relevant costs would not be covered under ICICI Lombard travel insurance plans

How to apply for ICICI Lombard travel insurance?

You can buy ICICI Lombard travel insurance through one of the following ways –

  1. By visiting the nearest branch of ICICI Lombard
  2. By contacting an ICICI Lombard general insurance agent
  3. Online through the website of ICICI Lombard
  4. The first two modes of buying an ICICI Lombard travel insurance plan are offline modes which require you to apply for the policy physically. If, however, you want to buy the policy instantly without hassles, the online mode is more suitable. You just have to select the type of travel insurance policy that you need, fill in the travel details, calculate the premium, pay the premium online and the policy would be issued instantly without any fuss. To buy, visithttps://www.icicilombard.com/travel-insurance, choose the type of policy needed and proceed to provide your trip details.

Documents required for buying ICICI Lombard travel insurance plans

To buy ICICI Lombard travel insurance the following documents would be needed –

  1. Proposal form
  2. Identity proof of all the members who are being insured under the policy
  3. Age proof of all the members who are being insured under the policy
  4. Confirmed travel tickets
  5. Tour visa
  6. Any other documents if needed by the insurance company

How to renew ICICI Lombard travel insurance plan?

If you want to renew your ICICI Lombard travel insurance policy you would have to request the company for such renewal. Submit your request in writing and the company would allow you to renew the policy. You would have to pay the renewal premium for renewing your coverage. Moreover, at the time of renewals, you can change the sum insured if you like and the renewal premium would be calculated accordingly.

How to make a claim under the ICICI Lombard travel insurance plan?

In case of a claim, the policyholder should follow the below-mentioned claim process for the settlement of claims –

  1. The Assistance Service Provider of the insurance company should be informed of the claim immediately. The provider, then, guide the policyholder with the next steps in the claim settlement procedure
  2. A claim form should be filled and submitted to the Assistance Service Provider of the insurance company stating the details of the claim
  3. All the relevant documents should also be submitted to the ASP so that the claim can be processed
  4. The claim would, then, be assessed by the ASP of ICICI Lombard and settled at the earliest

Documents required for making a claim

To make a valid claim under your ICICI Lombard travel insurance policy, the following documents would be required –

  1. Policy document
  2. Medical reports, doctor’s reports, hospital bills, etc. in case of medical claims
  3. Police report in case of liability and accident claims
  4. Proof of loss suffered
  5. Any other document as required by the insurance company

FAQ’s

Medical evacuation means bringing you back from your travelling destination to your home country for medical treatments following an illness or injury suffered on the trip.


Yes, dental treatments are covered under most travel insurance policies offered by ICICI Lombard. However, such treatments should be availed only because of suffering an injury. Self-elected treatments which are cosmetic in nature would not be covered under travel insurance plans.


Yes, travel insurance policies have deductibles under most coverage features. Deductibles mean the limit of claim which is not paid by the insurance company. If there is a deductible, claims exceeding the deductible limit would be paid by ICICI Lombard. The deductible limit can be mentioned as a period of time or as an absolute amount. If it is depicted as a period of time, it means that if the contingency continues beyond the deductible time frame, coverage would be provided. For instance, for baggage delay a deductible of 6 hours is applicable. This means that the baggage delay would be covered only if the delay exceeds 6 hours. In case of absolute deductible amounts, however, claims exceeding the deductible are paid. So, if the deductible limit is USD 1000 and the claim is USD 2000, ICICI Lombard would pay only USD 1000 while the deductible of USD 1000 would be paid by you.


No, travel insurance plans have no maturity benefit. If the policy matures, nothing is payable to the policyholder.