Travel Insurance Claim

With a rise in the number of international trips, India has also seen a boom in the purchase of travel insurance. 2025 witnessed a 43% year-on-year rise in travel policy purchases among Indian travellers. While the numbers signal increased financial awareness among the population, they also highlight the core underlying issue leading to these purchases. Flight delays, baggage loss and medical emergencies are some of the most common concerns tourists face during their trips.

However, just buying a travel insurance policy is not enough. You should also understand the coverage it provides and the situations in which it can help you. Most importantly, you should know how to make a travel insurance claim in times of need. The time limit for making the claim, the documents needed for approval, and the process to be followed.

Understanding this concern, IndusInd Travel Insurance (formerly Reliance Travel Insurance) has brought together this guideline, which not only informs you on how to file your claim but also explains the finer details of your policy without jargon. This guide makes sure you spend maximum time enjoying your trip, and not worrying about the what-ifs!

How to File a Travel Insurance Claim?

Inform Us

Reach out to us on our helpline or email. Clearly mention your policy number and concern for quick assistance.

Confirm Cashless Facility

Confirm with the hospital if they accept a cashless claim for your policy, and submit a filled-out claim form.

Document Verification

Our support team will review your documents and the claim form to initiate the process and notify you of the results.

Claims Approval

If approved, IndusInd Travel Insurance (formerly Reliance Travel Insurance) will place a Guarantee of Pay (GoP) with the hospital.

In case of Cashless Claims Denial

If the hospital declines the GoP, you can continue with your treatment and file for reimbursement afterwards.

Inform Us

Contact us on our helpline or email with your policy number and concerns, such as baggage loss and flight delay, etc.

Submit Documents

Fill out the claim form. Attach any necessary documents that apply to your situation and are needed for approval.

Additional Proof May Be Needed

Based on the claim, you may need to present copies of your passport, FIR, airline email, concerned flight details etc.

Document Verification

Our support team will review your documents and the claim form to initiate the process and notify you of the results.

Claims Approval & Reimbursement

If your claim is approved, we will notify you and process your reimbursement towards your registered bank account.

How to Contact Us For Travel Insurance Claim?

Contact Details

Inland Travel Helpline: +912248903009

International Travel (while abroad): 91-22-67347843/ 91-22-67347844

International Travel (while in India): 1800 209 5522

WhatsApp: 7400422200 for Inland Travel Claim

Email: indusind@europ-assistance.in

Mobile Application: IndusInd Insurance App

Website: Online Claim Intimation

Offline Visit: Locate your nearest branch here.

Disclaimer: Please refer to the official policy documents for the detailed claims process.

Documents Required To Make Travel Insurance Claims

To file a successful claim, it is important that you provide us with all the necessary documents. Below is a list of all the documents you may require to initiate the process. You can scan and email them to us at: indusind@europ-assistance.in

General Documents

Travel Documents & Claim Form: Duly fill and sign the claim form. Submit it along with your original ticket, boarding pass or a copy of your passport showing the travel dates.

For Medical Claims: Prescription, discharge summary, all test reports, and medical bills, etc. They must show your name, date of treatment, illness and items used for treatment.

For Theft & Emergency Cash: A copy of the police report filed within 24 hours of the incident. For theft, report obtained within 24 hours of discovering the item has gone missing.

Passport Loss: To get reimbursement for obtaining a replacement passport, make sure you have the original bill or receipt, clearly mentioning the cost of the new passport.

Additional Documents

Total Loss of Checked-In Baggage: You will need proof of ownership for lost items worth over $100. Also, a property irregularity report or any other report issued by the airline.

Delay of Checked-In Baggage: Property irregularity report from the airline with the date and time of arrival of the delayed baggage. Original bills of emergency items purchased.

Flight Delays & Missed Connections: Airline confirmation stating the scheduled and actual arrival time of the flight, along with reason for the delay. All original bills for costs.

For Third Party Liability: A police report and proof of judicial decision clearly stating the liability and compensation to be made to the third party.

Disclaimer: For the complete list of documents, please refer to your policy documents. For further assistance, you can contact customer support. It takes around 30 working days* to settle your claim from the date of submitting the final claim document

How To Track Your Travel Insurance Claim Status Online?

Step

Visit the Travel Claims page to know the status of your claim.

Step

Navigate to “Show my Claims” in the top right corner of the page.

Step

Enter your policy number or claim number in the space provided.

Step

Confirm the entered number and click on the “Show my Claims” tab.

Step

You can now see the current status of your claim on the next page.

Circumstances In Which You Can Make A Travel Insurance Claim

You can never predict an emergency, much less during a trip to a foreign country. Based on your policy, here are some circumstances in which you can file a travel insurance claim with us. While the details are provided in your policy documents, here is an overview for your reference.

Medical and Dental Treatments

This includes dental treatments, emergency medical treatment and approved pre-existing diseases covered under your policy.

Lost or Delayed Check-in Baggage

If your baggage delay exceeds 12 hours, you can claim expenses for buying emergency items and for complete checked-in baggage loss.

Wallet Theft or Loss

If you lose your money during the trip, our team will help you arrange emergency cash so your trip doesn’t get disrupted.

Passport Loss

If you lose your passport during the trip for any reason, you can claim reimbursement for the cost of obtaining a new passport.

Flight Delays & Missed Connections

You can claim compensation for flight delays over 12 hours, including a missed connecting flight because of a previous flight delay.

Personal Liability

This claim includes accidental injury to another person or damage to their property, resulting in legal compensation for you during your trip.

Reasons Why Your Travel Insurance Claim May Be Rejected

Delayed Intimation

Preferably, file the claim within 24 hours or as soon as possible, based on the claim’s nature.

Incorrect Information

Providing wrong or incorrect information. Failure to submit all the necessary documents while making the claim.

Claiming Exclusions

If the damage incurred was not covered under your policy or was mentioned as an exclusion, it will not be compensated.

Fraud Claim

Raising claims for incidents that didn’t occur or misrepresenting facts to get claim approval.

Tips to Make Successful IndusInd Travel Claims

Do Not Delay

Based on your policy and the nature of the claim, it is preferred that you initiate your claim within 24 hours of the emergency or as soon as possible. Unexplained delays may lead to rejection.

Know Your Policy

Read all the policy-related documents carefully to understand your rights, claim process, exclusions and other fine details. This spares you the panic during the moment of emergency.

Understand the Exclusions

Most travel insurance policies do not cover expenses related to maternity treatment, personal negligence and legal violations, etc. These exclusions may vary based on your policy.

Gather Necessary Documents

Make sure to keep all the necessary documents like your boarding pass, passport, airline email, original bills and other important and supporting documents with you carefully.

Accurate Information

Make sure the information you provide is complete, correct and as far as possible, accurate. It helps avoid unnecessary delays during the review and reduces the chances of rejection.

Police Report

To claim compensation for incidents like wallet theft, passport loss, etc., make sure you obtain a copy of the police report, stating such loss, within 24 hours of the incident.

Seek Support

Our customer support team is available 24/7. If you need any help in imitating the claim, understanding the policy or anything else, feel free to reach out to us without hesitation.

How To Appeal A Rejected Travel Insurance Claim

Our team at IndusInd Travel Insurance (formerly Reliance Travel Insurance) thoroughly reviews every claim and its supporting documents before making a decision. If your claim gets rejected, and you are not satisfied with the outcome, you can always make an appeal with our Grievance Cell for further review.

While an appeal doesn’t guarantee approval, it provides an opportunity to address any discrepancies. Here is how you can contact us.

Particulars	Details
Contact Number	022 4890 3009
Website Link	https://www.indusindinsurance.com/about-us/grievance-redressal
Email ID	grievances@indusindinsurance.com
Address	Reliance General Insurance, Winway Building 2nd & 3rd Floor, 11/12 Block No-4, Old No-67, South Tukoganj, Indore (M.P) - 452001. Contact No. 022 41112600

Key Takeaways

Most travellers find it easy to purchase a travel insurance policy, but making a claim feels equally difficult. Many of us start panicking during an emergency and are unable to properly complete the paperwork or follow up with the insurance provider. In fact, one of the biggest reasons for most claim rejections is incorrect or incomplete information in the form-filling. While it may not always be deliberate, the complication of the process can make things harder to understand.

This is why IndusInd Travel Insurance (formerly Reliance Travel Insurance) has simplified the whole procedure for you. It barely takes a few minutes to purchase travel insurance from us, and making claims is equally easy. Our support is available 24/7, and our assistance is available in 170+ countries. All you need to do is make sure you have all the necessary documents with you, and you initiate the claim as soon as possible.

Just download our IndusInd Insurance app for quick support, claim filing, and let us handle the rest. Whether it is assistance during flight delays or a lost passport, we are always here to share your travel troubles.

Authors - Location -Travel

IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

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4.7 ★ ★ ★ ★ ★ (45)

Amballa Sanyasi Naidu

Trimulgherry

Value for money

I had a positive overall experience while applying for Travel insurance. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage.

Bhavin Prabhu Lalsengani

Thane

Quick policy issuance

Buying a Travel policy through the platform was straightforward and quick. It met my requirements well and felt tailored to my needs.

Nilesh Rajendragirase

Thane

Seamless digital experience

I recently purchased my Travel insurance from Reliance (now IndusInd) and found the experience very smooth. The coverage provided matches my expectations and feels comprehensive. I am satisfied with the main policy and don't see a need for extras.

Roshan Kumar

New Delhi

Quick policy issuance

I had a positive overall experience while applying for Travel insurance from Reliance (now IndusInd) . I felt that my protection needs were well addressed with this policy. No additional coverage seemed required for my needs. The convenience and clarity made this a good experience.

Naveen Chanderbhatt

New Delhi

Seamless digital experience

I recently purchased my Travel insurance and found the experience very smooth. It aligns well with what I needed from an insurance policy.

Vivek Pathak

Rangareddy

Quick policy issuance

I had a positive overall experience while applying for Travel insurance from Reliance Insurance (now IndusInd Insurance) . It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time.

Jani Bashashaik

Rangareddy

Quick policy issuance

I had a positive overall experience while applying for Travel insurance from Reliance (now IndusInd). I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time. I'm happy with how everything went and feel secure with my policy.

Madhu Smita Parida

Rangareddy

Quick policy issuance

I recently purchased my Travel insurance and found the experience very smooth. It met my requirements well and felt tailored to my needs.

Yogya Kolliboina

Rangareddy

4.5

Seamless digital experience

I had a positive experience while applying for Travel insurance from Reliance Insurance Company (now IndusInd Insurance Company) . The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons.

Saroja Kolliboina

Rangareddy

Quick policy issuance

From start to finish, the process of getting my Travel insurance was convenient. I felt that my protection needs were well addressed with this policy.

Syam Prasadkolliboina

Rangareddy

Quick policy issuance

The journey of purchasing Travel insurance felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy.

Kishore

Ramanathapuram

Quick policy issuance

I had a positive overall xperience while applying for Travel insurance with Reliance Insurance (now IndusInd Insurance). The plan offered exactly the type of coverage I was expecting. I did not feel the need for any other products at this time.

Sevika M Shetty

Panchkula

4.5

Seamless digital experience

I recently purchased my Travel insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage. The convenience and clarity made this a good experience.

Hadamata Ram

Palghar

Quick policy issuance

From start to finish, the process of getting my Travel insurance was convenient. The coverage provided matches my expectations and feels comprehensive. Currently, I don't think I require any additional plans or add-ons. Overall, it was a seamless experience with Reliance General Insurance (now IndusInd General Insurance) and I am satisfied.

Himanshu Marwal

Nainital

4.5

Seamless digital experience

I recently purchased my Travel insurance from Reliance Insurance Company (now IndusInd Insurance Company) and found the experience very smooth. The plan offered exactly the type of coverage I was expecting. I am satisfied with the main policy and don't see a need for extras.

Shiv Prasad Yadav

Mumbai

Quick policy issuance

From start to finish, the process of getting my Travel insurance was convenient. The plan offered exactly the type of coverage I was expecting.

Padmanabhan

Mumbai

Quick policy issuance

The journey of purchasing Travel insurance felt effortless and user-friendly. It aligns well with what I needed from an insurance policy.

Alpabharat Gala

Mumbai

Quick policy issuance

The journey of purchasing Travel insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage. I found the entire process trustworthy and efficient.

Pradip Kumar C Patel

Mumbai

4.5

Seamless digital experience

From start to finish, the process of getting my Travel insurance from Reliance (now IndusInd) was convenient. The coverage provided matches my expectations and feels comprehensive. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

Rakhee Mitesh Rohira

Mumbai

Seamless digital experience

Buying a Travel policy through the platform was straightforward and quick. It met my requirements well and felt tailored to my needs. I did not feel the need for any other products at this time.

Abijith Chandrap

Kottayam

Quick policy issuance

I had a positive overall experience while applying for Travel insurance with Reliance (now IndusInd). It aligns well with what I needed from an insurance policy. No complementary product was necessary for me at this stage. I'm happy with how everything went and feel secure with my policy.

Ramanji

Bengaluru

Quick policy issuance

The journey of purchasing Travel insurance felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting.

Gawande Sapna Tej Rao

Akola

Quick policy issuance

The journey of purchasing Travel insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. No additional coverage seemed required for my needs.

Jitendra Bhaiganapat Ram Raval

Ahmedabad

Quick policy issuance

I had a positive overall experience with Reliance Insurance (now IndusInd Insurance) while applying for myTravel insurance. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.

Nayan Bhai Narshi Bhaivariya

Ahmedabad

Quick policy issuance

Buying a Travel policy from Reliancre General Insurance (IndusInd General Insurance) was straightforward and quick. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras. The process felt reliable and I would recommend it to others.

Ahmar T

Ghaziabad

Value for money

I was going on a simple holiday and wanted basic cover without unnecessary additions. I only paid for my exact travel dates, and the coverage level felt right for where I was travelling.

Pari K

Kalyan-Dombivali

Seamless digital experience

My office trip was confirmed suddenly. I bought the travel policy online, downloaded the copy, and shared it with my office the same day.

Amarpreet Singh

Punjab

Easy application

I was confused between baggage delay and trip cancellation. The advisor explained the difference clearly, so I chose what was actually useful for my trip.

Giju Rojijohn

Kerala

Quick policy issuance

I realised at the last moment that I needed the policy before leaving for the airport. Bought it quickly on my phone and kept the copy with my travel papers.

Madhusmita Parida

Rangareddy

Seamless digital experience

After finalising my itinerary, I bought the travel policy on the app. Adding the destination, dates and traveller details was straightforward.

Roshan Kumar

South West Delhi

Value for money

I didn't need a big plan for a short holiday. I chose travel cover only for my actual trip days, so the price felt fair.

Yogya Kolliboina

Rangareddy

Easy application

This was my first time buying travel insurance myself. I kept my passport and ticket details ready, and the form was simple enough to complete without help.

Amballa Sanyasi Naidu

Thane

Value for money

I was buying travel insurance for a family holiday. The advisor explained medical cover and baggage benefits, so I could choose one plan for all of us.

Nilesh Rajendra Girase

Thane

Seamless digital experience

I bought travel insurance on my phone while going to office. The pages opened properly, and I finished it without needing my laptop.

Santoshi C

Darjiling

Easy application

I was unsure how medical help works if something happens abroad. The advisor explained it in normal words, and then I felt more comfortable taking the policy.

Himanshu Marwal

Nainital

Value for money

I was travelling to a country where hospital costs can get quite expensive. The advisor helped me choose a cover amount that felt safe without pushing up the price unnecessarily.

Somanath Tarikere

Karnataka

Seamless digital experience

I was keeping all travel papers ready in one place. Buying the insurance online was quick, and I could save the copy with my passport scan and visa papers.

Sheela R

Belagavi

Easy application

I had a connecting flight, so baggage delay was on my mind. I checked that part properly before buying, along with medical cover for the trip.

Naveen Chanderbhatt

South West Delhi

Easy application

Effortless process with IndusInd Insurance (Formerly know as Reliance General Insurance) Travel Insurance

Deepak Sharma

Baroda

Seamless digital experience

I booked my tickets late at night and bought travel insurance right after that. The copy came soon, so I saved it in the same folder as my flight ticket.

Gawande Sapna Tej Rao

Akola

Quick policy issuance

Mine was just a 5-day trip, so I didn't want an expensive plan. I picked the cover that matched my dates and destination, and the amount felt okay.

Nayan Bhai Narshi Bhaivariya

Ahmedabad

Quick policy issuance

My flight was the next day and travel insurance was still pending. I bought it on my phone after dinner and got the WhatsApp copy quickly. Felt relieved before packing.

Raman Ji

Bengaluru

Quick policy issuance

I needed the travel policy for my visa file. Filled the trip details, got the document quickly, and added it with my passport and ticket papers.

Jitendrabhai Ganapatram Raval

Ahmedabad

Value for money

For my Europe trip, I mainly wanted medical cover. I could see the hospital and emergency details clearly, so I did not have to overthink while choosing the plan.

Caroline Ghosh

MUMBAI

Easy application

The process of applying for my travel insurance policy was simple and quick to complete.

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Frequently Asked Questions (FAQs)

What can you claim under travel insurance?

Your claims and coverage vary based on your policy, declaration of pre-existing diseases and the number of people insured. However, in general, you can make claims for flight delays, baggage loss, medical and dental treatments, wallet theft, etc. Make sure to check your policy documents for a complete list of all the acceptable claims.

How long does it take to settle a travel insurance claim?

The time taken to settle a claim depends on the nature of your claim. We usually take around 30 days for settlement, but it may take longer if we require additional documents or if there is a need for further investigation.

Is it mandatory to buy travel insurance for international trips?

For most international travels, travel insurance is not mandatory. However, we highly recommend it to avoid additional expenses from your pocket during emergencies like medical treatment or baggage loss.

What are the pre-existing medical conditions covered under my travel insurance claim?

The coverage of pre-existing diseases entirely depends on your policy and medical history. Please make sure to confirm it with our support team in advance.

Do I need to carry the policy papers with me while travelling?

You don’t need to carry physical copies of the policy with you. We actually deliver your policy to your registered email. Having a digital copy of your policy on your phone is enough.

Are there different claim forms for every type of travel insurance claim?

Yes. In addition to the primary claim form that you need for every claim, there are also claim-specific forms that you may need to fill out, based on the nature of your claim. For example, there are cashless medical claim forms, forms for baggage delay and loss, forms for passport loss, etc. You can download these forms by clicking here and selecting the form according to your claim.

What are the countries covered under the IndusInd Travel Insurance Policy?

We have different travel insurance policies for different countries because of different laws. At present, we provide individual and family travel insurance for 170+ countries and also cover multi-destination trips.

Can I make a travel claim after returning to India?

Yes, you can definitely claim baggage loss or other emergencies after returning to India. However, you must make sure that you have registered the claim within 24 hours (or as soon as possible) of the emergency and submitted all the necessary documents within the stipulated time.

Do I need to pay first and then claim reimbursement for medical treatment?

If you avail medical or dental treatments at one of our recognised hospitals during our trip, you may not need to pay any additional cash for the treatment. However, if the hospital rejects the cashless claim, then you can pay and apply for reimbursement after the treatment.