{"id":3508,"date":"2026-04-22T06:47:01","date_gmt":"2026-04-22T06:47:01","guid":{"rendered":"https:\/\/blog.happyfares.in\/travel-insurance-flight-india-2026\/"},"modified":"2026-04-22T18:27:36","modified_gmt":"2026-04-22T18:27:36","slug":"travel-insurance-flight-india-2026","status":"publish","type":"post","link":"https:\/\/blog.happyfares.in\/travel-insurance-flight-india-2026\/","title":{"rendered":"Travel Insurance for Flights India 2026 \u2014 Do You Need It?"},"content":{"rendered":"<div><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@graph\": [\n    {\n      \"@type\": \"BlogPosting\",\n      \"headline\": \"Travel Insurance for Flights India 2026 \u2014 Do You Need It?\",\n      \"description\": \"A practical guide for Indian travellers on when travel insurance is worth buying, what to look for, how much it costs, and how to file a claim in 2026.\",\n      \"author\": { \"@type\": \"Organization\", \"name\": \"HappyFares Travel Desk\" },\n      \"publisher\": { \"@type\": \"Organization\", \"name\": \"HappyFares\", \"url\": \"https:\/\/blog.happyfares.in\" },\n      \"datePublished\": \"2026-04-21\",\n      \"dateModified\": \"2026-04-21\",\n      \"mainEntityOfPage\": { \"@type\": \"WebPage\", \"@id\": \"https:\/\/blog.happyfares.in\/travel-insurance-flight-india-2026\/\" }\n    },\n    {\n      \"@type\": \"FAQPage\",\n      \"mainEntity\": [\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Is travel insurance mandatory for international flights from India?\",\n          \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Travel insurance is not legally mandatory for most international destinations from India. However, it is a mandatory requirement for a Schengen visa application (European countries) and is strongly recommended for long-haul flights. Even where optional, buying it is wise \u2014 a single overseas hospitalisation can cost \u20b95\u2013\u20b920 lakh or more.\" }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"What is the minimum flight delay for an insurance claim in India?\",\n          \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Most travel insurance policies trigger flight delay benefits after a delay of 2 to 4 hours. The exact threshold varies by insurer. Some budget plans start at 6 hours. Always check the 'minimum delay period' in the policy schedule before buying \u2014 a 6-hour threshold is nearly useless for short domestic sectors.\" }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Does travel insurance cover flight cancellation due to airline fault?\",\n          \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Standard travel insurance covers trip cancellation due to sudden illness, injury, or the death of a close relative \u2014 not airline-caused cancellations. If an airline cancels your flight, you are entitled to a full refund or re-routing under DGCA rules. Travel insurance steps in only for personal emergencies that force you to cancel a flight you planned to take.\" }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Are pre-existing medical conditions covered by travel insurance?\",\n          \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Pre-existing conditions are typically excluded from standard travel insurance policies in India. Some insurers offer a 'pre-existing condition waiver' as an add-on at extra premium. Read the exclusion list carefully. Conditions like uncontrolled diabetes, heart disease, or cancer diagnosed in the last 2 years are almost always excluded without the waiver.\" }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"How do I file a travel insurance claim in India?\",\n          \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"To file a claim: (1) Notify your insurer within 24\u201348 hours of the event. (2) Collect all supporting documents \u2014 medical bills, police FIR for baggage theft, airline delay certificate, original boarding pass, and booking receipts. (3) Submit the claim form online or at the insurer's branch. (4) Most insurers settle within 7\u201315 working days for straightforward claims. Keep every receipt from the moment an incident occurs.\" }\n        }\n      ]\n    }\n  ]\n}\n<\/script><\/div>\n<article>\n<h1>Travel Insurance for Flights India 2026 \u2014 Do You Need It?<\/h1>\n<p><!-- TL;DR Box --><\/p>\n<div style=\"background:#e8f5e9;padding:20px 24px;border-radius:10px;border-left:5px solid #388e3c;margin:28px 0;font-size:16px;line-height:1.7;\">\n<strong style=\"font-size:18px;display:block;margin-bottom:8px;\">TL;DR<\/strong><br \/>\nFor international flights, travel insurance is almost always worth buying. A basic 7-day international plan costs \u20b9800\u2013\u20b92,500 and covers medical emergencies, baggage loss, and trip delays. For domestic flights, it&#8217;s rarely worth the cost unless your ticket is above \u20b98,000\u2013\u20b910,000. Schengen visa applicants <em>must<\/em> buy it \u2014 it&#8217;s a mandatory visa requirement. (<a href=\"https:\/\/irdai.gov.in\" target=\"_blank\" rel=\"noopener\">IRDAI<\/a>, 2025)\n<\/div>\n<p><!-- [INTERNAL-LINK: flight booking tips \u2192 how-to-get-cheapest-flights-india-2026] --><\/p>\n<p>Most Indian travellers skip travel insurance because it feels like an extra expense on an already tight travel budget. That thinking shifts fast when a missed connection, a stolen bag, or a sudden fever abroad turns a \u20b950,000 holiday into a \u20b92\u2013\u20b95 lakh crisis. According to the <a href=\"https:\/\/irdai.gov.in\" target=\"_blank\" rel=\"noopener\">Insurance Regulatory and Development Authority of India (IRDAI)<\/a>, travel insurance penetration among Indian outbound tourists remains below 25% as of 2025 \u2014 far lower than the global average of around 40%.<\/p>\n<p>This guide tells you exactly when to buy, what to look for, and what&#8217;s not covered \u2014 so you don&#8217;t pay for something useless or skip something critical.<\/p>\n<p>[IMAGE: Traveller at international airport departure gate checking phone \u2014 search terms: airport departure gate traveller India]<\/p>\n<h2>When Does Travel Insurance Actually Matter?<\/h2>\n<p>Travel insurance matters most when the financial downside of something going wrong is large. According to <a href=\"https:\/\/www.who.int\" target=\"_blank\" rel=\"noopener\">WHO<\/a> estimates, a hospitalisation in the USA can cost $10,000\u2013$50,000 (roughly \u20b98\u2013\u20b940 lakh) for a week-long stay. Without insurance, you&#8217;d pay that entirely out of pocket. Four scenarios make insurance genuinely valuable: a medical emergency abroad, trip cancellation due to illness or a family crisis, delayed or lost baggage, and significant flight delays.<\/p>\n<p>Medical emergencies top the list. Indian health insurance \u2014 including employer group covers \u2014 almost never extends to overseas hospitalisation. Even CGHS and ESIC are India-only. If you fall seriously ill in Europe, the USA, or Southeast Asia, your only safety net is a travel insurance policy with solid medical cover.<\/p>\n<p>Trip cancellation is the second big one. If you book non-refundable international tickets and hotel rooms \u2014 often totalling \u20b91\u2013\u20b93 lakh \u2014 and then a close family member dies or you&#8217;re hospitalised before departure, a trip cancellation benefit returns most of that money.<\/p>\n<p><!-- [INTERNAL-LINK: flight cancellation rules \u2192 flight-delay-compensation-india-2026] --><\/p>\n<h2>What Should You Look For in a Travel Insurance Policy?<\/h2>\n<p>Not all policies are equal. The <a href=\"https:\/\/irdai.gov.in\" target=\"_blank\" rel=\"noopener\">IRDAI<\/a> mandates standardised minimum covers for travel insurance products, but the actual limits vary widely between insurers. Here&#8217;s what to check before buying.<\/p>\n<h3>Medical Cover Limits<\/h3>\n<p>For international travel, look for a minimum of \u20b950 lakh (approximately $60,000) in emergency medical cover. For the USA or Canada, \u20b91 crore is more appropriate \u2014 healthcare costs there are the world&#8217;s highest. For Southeast Asia (Thailand, Vietnam, Bali), \u20b925\u2013\u20b950 lakh is usually adequate. Some plans advertise medical cover but cap it at \u20b95\u2013\u20b910 lakh, which is dangerously low for Western destinations.<\/p>\n<h3>Flight Delay Coverage Threshold<\/h3>\n<p>The trigger time matters a lot. A policy that pays out after a 2-hour delay is genuinely useful \u2014 you can claim for a meal or a hotel if your connection is missed. A policy that only activates at 6 or 12 hours provides almost no real benefit for most delays. Look for a 2\u20134 hour threshold, and check the per-claim limit (\u20b93,000\u2013\u20b910,000 is typical).<\/p>\n<h3>Baggage Loss and Delay Limits<\/h3>\n<p>Checked baggage loss cover typically pays \u20b915,000\u2013\u20b950,000 per policy. Baggage delay cover (for when your bag arrives late) usually pays \u20b93,000\u2013\u20b910,000 for emergency purchases like toiletries and clothing. These limits are often lower than the actual cost of replacement, so don&#8217;t expect full reimbursement \u2014 but some coverage is far better than none.<\/p>\n<p>[CHART: Bar chart \u2014 Travel Insurance Benefits vs Typical Claim Values \u2014 Sources: IRDAI 2025, insurer policy documents]<\/p>\n<h2>How Much Does Travel Insurance Cost in India?<\/h2>\n<p>Travel insurance is cheaper than most people assume. According to premium data from major Indian insurers as of 2026, a standard domestic trip policy costs \u20b9200\u2013\u20b9500 per journey. International single-trip cover for 7 days in Asia costs roughly \u20b9800\u2013\u20b91,500, while Europe or USA trips run \u20b91,500\u2013\u20b92,500 for the same duration. These are per-trip premiums, not annual.<\/p>\n<p><!-- Pricing Table --><\/p>\n<div style=\"overflow-x:auto;margin:24px 0;\">\n<table style=\"width:100%;border-collapse:collapse;font-size:15px;\">\n<thead>\n<tr style=\"background:#1976d2;color:#fff;\">\n<th style=\"padding:12px 14px;text-align:left;\">Trip Type<\/th>\n<th style=\"padding:12px 14px;text-align:left;\">Duration<\/th>\n<th style=\"padding:12px 14px;text-align:left;\">Approx. Premium<\/th>\n<th style=\"padding:12px 14px;text-align:left;\">Key Cover<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"background:#f5f5f5;\">\n<td style=\"padding:11px 14px;\">Domestic India<\/td>\n<td style=\"padding:11px 14px;\">Per trip<\/td>\n<td style=\"padding:11px 14px;\">\u20b9200\u2013\u20b9500<\/td>\n<td style=\"padding:11px 14px;\">Flight delay, baggage<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:11px 14px;\">International \u2014 SE Asia<\/td>\n<td style=\"padding:11px 14px;\">7 days<\/td>\n<td style=\"padding:11px 14px;\">\u20b9800\u2013\u20b91,500<\/td>\n<td style=\"padding:11px 14px;\">Medical, delay, baggage<\/td>\n<\/tr>\n<tr style=\"background:#f5f5f5;\">\n<td style=\"padding:11px 14px;\">International \u2014 Europe<\/td>\n<td style=\"padding:11px 14px;\">7 days<\/td>\n<td style=\"padding:11px 14px;\">\u20b91,200\u2013\u20b92,000<\/td>\n<td style=\"padding:11px 14px;\">Medical, trip cancel, baggage<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:11px 14px;\">International \u2014 USA\/Canada<\/td>\n<td style=\"padding:11px 14px;\">7 days<\/td>\n<td style=\"padding:11px 14px;\">\u20b91,800\u2013\u20b92,500<\/td>\n<td style=\"padding:11px 14px;\">High medical (\u20b91Cr+), cancel<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p style=\"font-size:13px;color:#666;\">*Indicative premiums based on 2026 insurer rate cards. Actual premium depends on age, destination, and sum insured. <em>Prices subject to change \u2014 verify at time of purchase.<\/em><\/p>\n<h2>Is Domestic Travel Insurance Worth Buying?<\/h2>\n<p>For most domestic flights in India, the honest answer is: probably not. DGCA rules already entitle you to a full refund if the airline cancels or significantly delays your flight \u2014 so the flight cancellation risk is already covered by law. Baggage compensation from airlines (up to \u20b93,500 for domestic sectors under DGCA guidelines) also applies automatically.<\/p>\n<p>Where domestic insurance starts making sense: tickets above \u20b98,000\u2013\u20b910,000 that are non-refundable, travellers with a health condition that could require a last-minute cancellation, or expensive equipment like camera gear in checked baggage. For a \u20b93,000 economy ticket, a \u20b9400 insurance premium is a poor use of money.<\/p>\n<p><!-- [INTERNAL-LINK: DGCA passenger rights \u2192 dgca-free-seat-selection-cancellation-rules-2026] --><\/p>\n<h2>What Isn&#8217;t Covered \u2014 The Exclusions That Catch Travellers Off Guard<\/h2>\n<p>Reading exclusions is as important as reading what&#8217;s covered. Travel insurance policies in India commonly exclude: pre-existing medical conditions (unless a waiver is purchased), self-inflicted injuries, losses due to being under the influence of alcohol, missing a flight due to your own error (arriving late at the airport), and losses caused by war or civil unrest. Adventure sports like trekking above a specified altitude or scuba diving are often excluded unless you buy an adventure sports add-on.<\/p>\n<p>The &#8220;missed flight due to own fault&#8221; exclusion trips people up most often. If you miss your connection because you misjudged the transit time or slept through an alarm, insurance won&#8217;t help. Only a carrier-caused delay or an accepted emergency qualifies.<\/p>\n<p><!-- [PERSONAL EXPERIENCE]: Claim documentation is the most common failure point. Travellers lose claims not because the event wasn't covered, but because they didn't collect the airline's written delay certificate at the airport, or didn't file a Property Irregularity Report (PIR) before leaving the baggage claim area. Always ask for written confirmation before leaving the airport. --><\/p>\n<h2>How to Claim Travel Insurance in India<\/h2>\n<p>Filing a travel insurance claim is straightforward if you have the right documents. The most common mistake is waiting too long to notify the insurer \u2014 most policies require notification within 24\u201348 hours of an incident. For a medical emergency abroad, call the insurer&#8217;s emergency helpline immediately; most major Indian insurers operate 24\/7 international helplines.<\/p>\n<p>For baggage loss, you must file a <strong>Property Irregularity Report (PIR)<\/strong> with the airline at the airport before leaving the baggage claim area. A PIR is mandatory proof that the airline received your complaint \u2014 without it, insurers routinely reject baggage loss claims. For flight delays, ask the airline&#8217;s ground staff to issue a written delay certificate. Keep all original boarding passes, booking confirmations, and receipts.<\/p>\n<p><!-- SVG: Travel Insurance Claim Process --><br \/>\n<svg viewBox=\"0 0 700 120\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" style=\"width:100%;max-width:700px;display:block;margin:24px auto;\" aria-label=\"Travel insurance claim steps\">\n  <rect width=\"700\" height=\"120\" rx=\"10\" fill=\"#1a237e\"\/>\n  <rect x=\"30\" y=\"35\" width=\"120\" height=\"50\" rx=\"6\" fill=\"#3949ab\"\/>\n  <text x=\"90\" y=\"57\" text-anchor=\"middle\" fill=\"#fff\" font-size=\"11\" font-family=\"Arial\">1. Notify insurer<\/text>\n  <text x=\"90\" y=\"73\" text-anchor=\"middle\" fill=\"#90caf9\" font-size=\"10\" font-family=\"Arial\">within 24\u201348h<\/text>\n  <text x=\"158\" y=\"63\" text-anchor=\"middle\" fill=\"#fff\" font-size=\"16\" font-family=\"Arial\">\u2192<\/text>\n  <rect x=\"170\" y=\"35\" width=\"120\" height=\"50\" rx=\"6\" fill=\"#3949ab\"\/>\n  <text x=\"230\" y=\"57\" text-anchor=\"middle\" fill=\"#fff\" font-size=\"11\" font-family=\"Arial\">2. Collect docs<\/text>\n  <text x=\"230\" y=\"73\" text-anchor=\"middle\" fill=\"#90caf9\" font-size=\"10\" font-family=\"Arial\">PIR, delay cert, bills<\/text>\n  <text x=\"298\" y=\"63\" text-anchor=\"middle\" fill=\"#fff\" font-size=\"16\" font-family=\"Arial\">\u2192<\/text>\n  <rect x=\"310\" y=\"35\" width=\"120\" height=\"50\" rx=\"6\" fill=\"#3949ab\"\/>\n  <text x=\"370\" y=\"57\" text-anchor=\"middle\" fill=\"#fff\" font-size=\"11\" font-family=\"Arial\">3. Submit claim<\/text>\n  <text x=\"370\" y=\"73\" text-anchor=\"middle\" fill=\"#90caf9\" font-size=\"10\" font-family=\"Arial\">online or branch<\/text>\n  <text x=\"438\" y=\"63\" text-anchor=\"middle\" fill=\"#fff\" font-size=\"16\" font-family=\"Arial\">\u2192<\/text>\n  <rect x=\"450\" y=\"35\" width=\"220\" height=\"50\" rx=\"6\" fill=\"#388e3c\"\/>\n  <text x=\"560\" y=\"57\" text-anchor=\"middle\" fill=\"#fff\" font-size=\"11\" font-family=\"Arial\">4. Settlement in 7\u201315 days<\/text>\n  <text x=\"560\" y=\"73\" text-anchor=\"middle\" fill=\"#a5d6a7\" font-size=\"10\" font-family=\"Arial\">for straightforward claims<\/text>\n<\/svg><\/p>\n<p><!-- [UNIQUE INSIGHT]: Most Indian travellers focus on the premium price when comparing travel insurance. The more useful metric is the insurer's claim settlement ratio \u2014 published annually by IRDAI. Insurers with claim settlement ratios above 95% are meaningfully more reliable. Price alone tells you nothing about whether a claim will actually be paid. --><\/p>\n<h2>Frequently Asked Questions<\/h2>\n<h3>Is travel insurance mandatory for international flights from India?<\/h3>\n<p>Travel insurance is not legally mandatory for most international destinations from India. It is, however, a <strong>mandatory visa requirement for all Schengen countries<\/strong> (Europe). Beyond that, it&#8217;s strongly recommended \u2014 especially for the USA, Canada, Australia, and Japan, where emergency medical costs can be catastrophic. Check visa requirements for your specific destination before booking. <!-- [INTERNAL-LINK: Schengen visa guide \u2192 schengen-visa-guide-indians-2026] --><\/p>\n<h3>What is the minimum flight delay for an insurance claim in India?<\/h3>\n<p>Most travel insurance policies trigger flight delay benefits after a delay of 2\u20134 hours. Some budget plans set the threshold at 6 hours. The payout is typically \u20b93,000\u2013\u20b910,000 for meals and essentials. Always check the minimum delay period in the policy schedule before buying \u2014 a 6-hour threshold is nearly useless for domestic sectors under 90 minutes.<\/p>\n<h3>Does travel insurance cover flight cancellation due to airline fault?<\/h3>\n<p>Standard travel insurance does not cover airline-caused cancellations \u2014 those are handled under DGCA passenger rights rules, which entitle you to a full refund or re-routing. Travel insurance covers <em>your<\/em> decision to cancel because of a personal emergency (illness, injury, or the death of a close family member). These are distinct protections \u2014 you may benefit from both in some situations. <!-- [INTERNAL-LINK: airline cancellation rights \u2192 flight-delay-compensation-india-2026] --><\/p>\n<h3>Are pre-existing medical conditions covered?<\/h3>\n<p>Pre-existing conditions are excluded from most standard policies. Some insurers offer a paid waiver that covers stable pre-existing conditions. Read the definition carefully \u2014 &#8220;stable&#8221; usually means no change in medication, symptoms, or treatment in the past 60\u2013180 days. Uncontrolled diabetes, recent cardiac events, and active cancer are almost always excluded even with a waiver.<\/p>\n<h3>How do I file a travel insurance claim in India?<\/h3>\n<p>Notify your insurer within 24\u201348 hours of the incident. Collect all documents: medical bills, airline delay certificate, PIR for baggage, boarding passes, and booking receipts. Submit via the insurer&#8217;s app or website. Most insurers settle straightforward claims within 7\u201315 working days. For overseas medical emergencies, call the 24\/7 international helpline immediately \u2014 don&#8217;t wait until you return to India.<\/p>\n<\/article>\n<div style=\"background:#fff3e0;border-left:5px solid #ff9800;padding:18px 22px;border-radius:8px;margin-top:32px;\">\n<h3 style=\"margin-top:0;\">Book Your Flights on HappyFares<\/h3>\n<p>Search and compare flights across all major airlines in one place. No hidden charges, transparent pricing.<\/p>\n<p><a href=\"https:\/\/happyfares.in\" style=\"color:#e65100;font-weight:bold;\" target=\"_blank\" rel=\"noopener\">Search flights on HappyFares \u2192<\/a><\/p>\n<\/div>\n<p><strong>Looking for cheap flights?<\/strong> Compare and book on HappyFares \u2014 zero convenience fee:<br \/>\n<a href=\"https:\/\/www.happyfares.in\/flights\/delhi-to-mumbai-cheap-airtickets\" target=\"_blank\" rel=\"noopener\">Delhi to Mumbai flights<\/a> | <a href=\"https:\/\/www.happyfares.in\/flights\/mumbai-to-delhi-cheap-airtickets\" target=\"_blank\" rel=\"noopener\">Mumbai to Delhi flights<\/a> | <a href=\"https:\/\/www.happyfares.in\/flights\/delhi-to-bangalore-cheap-airtickets\" target=\"_blank\" rel=\"noopener\">Delhi to Bangalore flights<\/a> | <a href=\"https:\/\/www.happyfares.in\/flights\/mumbai-to-bangalore-cheap-airtickets\" target=\"_blank\" rel=\"noopener\">Mumbai to Bangalore flights<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Travel Insurance for Flights India 2026 \u2014 Do You Need It? TL;DR For international flights, travel insurance is almost always worth buying. A basic 7-day international plan costs \u20b9800\u2013\u20b92,500 and covers medical emergencies, baggage loss, and trip delays. For domestic flights, it&#8217;s rarely worth the cost unless your ticket is above \u20b98,000\u2013\u20b910,000. Schengen visa applicants [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[52],"tags":[1464,1462,1465,1461,1463],"class_list":["post-3508","post","type-post","status-publish","format-standard","hentry","category-airline-policies","tag-baggage-loss-insurance","tag-flight-insurance-india","tag-medical-cover-abroad","tag-travel-insurance","tag-trip-cancellation-cover"],"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false},"uagb_author_info":{"display_name":"HappyFares Travel Desk","author_link":"https:\/\/blog.happyfares.in\/author\/shantitravelogy-in\/"},"uagb_comment_info":0,"uagb_excerpt":"Travel Insurance for Flights India 2026 \u2014 Do You Need It? TL;DR For international flights, travel insurance is almost always worth buying. A basic 7-day international plan costs \u20b9800\u2013\u20b92,500 and covers medical emergencies, baggage loss, and trip delays. For domestic flights, it&#8217;s rarely worth the cost unless your ticket is above \u20b98,000\u2013\u20b910,000. Schengen visa applicants&hellip;","_links":{"self":[{"href":"https:\/\/blog.happyfares.in\/wp-json\/wp\/v2\/posts\/3508","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.happyfares.in\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.happyfares.in\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.happyfares.in\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.happyfares.in\/wp-json\/wp\/v2\/comments?post=3508"}],"version-history":[{"count":1,"href":"https:\/\/blog.happyfares.in\/wp-json\/wp\/v2\/posts\/3508\/revisions"}],"predecessor-version":[{"id":3622,"href":"https:\/\/blog.happyfares.in\/wp-json\/wp\/v2\/posts\/3508\/revisions\/3622"}],"wp:attachment":[{"href":"https:\/\/blog.happyfares.in\/wp-json\/wp\/v2\/media?parent=3508"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.happyfares.in\/wp-json\/wp\/v2\/categories?post=3508"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.happyfares.in\/wp-json\/wp\/v2\/tags?post=3508"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}