ICICI Lombard Travel Insurance: Your Key to Safe and Secure Travels

Traveling is an exciting adventure, but it also comes with its fair share of uncertainties. From unexpected medical emergencies to trip cancellations, having the right travel insurance can provide peace of mind during your journeys. In this comprehensive guide, we’ll delve into ICICI Lombard travel insurance, a trusted name in the insurance industry, and explore the coverage and benefits it offers to travelers.

About ICICI Lombard General Insurance Company

ICICI Lombard General Insurance Company Limited is one of the leading general insurance providers in India. Established as a joint venture between ICICI Bank and Fairfax Financial Holdings in 2001, the company has rapidly grown to become a prominent player in the insurance sector. ICICI Lombard offers a wide range of insurance products, including travel insurance, that caters to the diverse needs of its customers.

ICICI Lombard Travel Insurance Offerings

ICICI Lombard provides travel insurance that encompasses a variety of coverage options, ensuring that you’re protected during your domestic and international travels. Let’s explore some of the key features and offerings:

1. Overseas Travel Insurance:

  • ICICI Lombard offers comprehensive overseas travel insurance for international journeys. This includes coverage for medical emergencies, trip cancellations, lost baggage, and more.

2. Domestic Travel Insurance:

  • For those exploring the beauty of India, ICICI Lombard offers domestic travel insurance that covers medical expenses, personal accidents, and more for your domestic trips.

3. Student Travel Insurance:

  • Students pursuing education abroad can benefit from specialized student travel insurance, which offers coverage for tuition fees, medical expenses, and more.

4. Senior Citizen Travel Insurance:

  • ICICI Lombard also provides senior citizen travel insurance to cater to the unique needs of older travelers. This includes coverage for pre-existing illnesses and more.

5. Coverage for Adventures:

  • If you’re an adventure enthusiast, ICICI Lombard offers optional coverage for adventure sports and activities, ensuring you’re protected while seeking thrills.

Key Benefits of ICICI Lombard Travel Insurance

Here are some of the benefits that travelers can enjoy with ICICI Lombard travel insurance:

  • Comprehensive Medical Coverage: ICICI Lombard provides coverage for medical expenses, including hospitalization, emergency medical evacuation, and repatriation, offering you peace of mind during your travels.
  • Trip Cancellation and Interruption: If your trip is canceled or interrupted due to unforeseen events, ICICI Lombard reimburses the non-refundable portion of your travel expenses.
  • Coverage for Lost Baggage: In the unfortunate event of lost baggage, ICICI Lombard provides coverage for the loss, ensuring you can replace your belongings.
  • Personal Accident Coverage: Travel insurance includes personal accident coverage, offering financial support in case of accidental death or disability during your trip.
  • Coverage for Emergency Assistance: ICICI Lombard offers 24/7 emergency assistance services, such as arranging medical care or helping with lost passport issues.
  • Option for Additional Riders: Travelers can customize their insurance policies by adding optional riders for coverage of specific needs, such as adventure sports, pre-existing illnesses, and more.

How to Choose the Right ICICI Lombard Travel Insurance

Selecting the right travel insurance policy depends on your specific needs and the type of trip you’re planning. Here are some steps to help you choose the right ICICI Lombard travel insurance:

  1. Determine Your Travel Plans: Assess the destination, duration, and nature of your trip to decide whether you need overseas, domestic, student, or senior citizen travel insurance.
  2. Coverage Limits: Understand the coverage limits and options provided by ICICI Lombard, and choose a policy that aligns with your needs.
  3. Medical Needs: Consider your health and any pre-existing medical conditions. Ensure that the policy provides adequate medical coverage.
  4. Budget: Review the cost of the insurance policy and ensure it fits your budget. ICICI Lombard offers a variety of policies at different price points.
  5. Riders and Optional Coverage: If you have specific requirements, explore the optional riders and additional coverage options available to enhance your protection.
  6. Read Policy Documents: Carefully read the terms and conditions in the policy documents to fully understand what is covered and the claims process.

Filing a Claim with ICICI Lombard Travel Insurance

In the event of a claim, ICICI Lombard offers a simple and straightforward claims process. Here are the general steps to follow:

  1. Notify the Insurer: Contact ICICI Lombard immediately and inform them about the incident for which you are filing a claim. This step is crucial, especially for medical emergencies.
  2. Document Gathering: Gather all necessary documents to support your claim. This may include medical reports, bills, travel itinerary, and any other relevant paperwork.
  3. Fill Claim Form: Complete the claim form provided by ICICI Lombard and attach the supporting documents.
  4. Submission: Submit the claim form and documents to the insurer within the stipulated time frame.
  5. Review and Settlement: ICICI Lombard will review your claim and process it as quickly as possible. Once approved, the settlement amount will be disbursed to you.

Frequently Asked Questions (FAQs)

  1. Is ICICI Lombard travel insurance available only for Indian residents?
    • Yes, ICICI Lombard travel insurance is generally available for Indian residents who are traveling domestically or internationally.
  2. Can I extend my travel insurance if my trip is extended?
    • ICICI Lombard often allows policyholders to extend their travel insurance if their trip is extended due to unforeseen circumstances. Check with the insurer for details.
  3. Are adventure activities covered under ICICI Lombard travel insurance?
    • ICICI Lombard provides an optional rider for adventure sports and activities. Ensure you include this rider if you plan to engage in such activities.
  4. What is the maximum coverage duration for ICICI Lombard travel insurance policies?
    • The maximum coverage duration may vary by the type of travel insurance policy and your specific needs. Check the policy details for this information.
  5. Can I cancel my ICICI Lombard travel insurance policy if my travel plans change?
    • ICICI Lombard often provides a grace period for policy cancellation with a full refund if you haven’t commenced your trip and don’t have any claims.

Additional Coverage Considerations

When choosing ICICI Lombard travel insurance, consider the following factors:

  • Coverage Limits: Review the coverage limits for various aspects, such as medical expenses, trip cancellations, and baggage loss. Ensure the limits meet your travel needs.
  • Exclusions: Understand the exclusions listed in the policy. These are situations or events for which the insurance may not provide coverage. Being aware of exclusions is crucial to avoid any misunderstandings.
  • Trip Duration: Check the policy’s maximum coverage duration, which can vary depending on the type of travel insurance. Make sure it aligns with your trip duration.
  • Age Restrictions: Some policies may have age restrictions, especially when it comes to senior citizen travel insurance. Verify that the policy you choose is applicable to your age group.
  • Rider Options: Explore additional riders or optional coverage that you can add to your policy. These can be tailored to specific needs, such as adventure activities or pre-existing medical conditions.
  • Pre-Existing Medical Conditions: If you have pre-existing medical conditions, ensure that the policy provides the necessary coverage and that you’ve declared these conditions when purchasing the policy.
  • Emergency Contacts: Keep a copy of your policy documents and emergency contact information with you during your travels. This ensures that you can quickly access assistance when needed.

Using ICICI Lombard’s Online Services

ICICI Lombard often offers online services that make it convenient for policyholders to manage their travel insurance. These services may include:

  • Policy Purchase: You can buy travel insurance online through the ICICI Lombard website. It’s a straightforward process that allows you to select the policy that suits your needs.
  • Policy Renewal: If you have an existing ICICI Lombard travel insurance policy, you can often renew it online to ensure continued coverage.
  • Claims Filing: In case of a claim, you can initiate the process online, making it easier and faster to receive assistance.
  • Policy Documents: Access and download your policy documents from the insurer’s website. This can be helpful for reference during your trip.
  • Customer Support: Online customer support is typically available to address your queries, provide assistance, and guide you through various processes.
  • Emergency Assistance: ICICI Lombard may offer a dedicated emergency assistance service accessible online. This can be vital during unexpected situations while traveling.

Reviews and Feedback

Before purchasing ICICI Lombard travel insurance, consider reading reviews and feedback from other policyholders. This can provide insights into the customer experience, claim settlements, and overall satisfaction with the insurer’s services. Reviews can help you make an informed decision and ensure that ICICI Lombard is the right choice for your travel insurance needs.

Destination-Specific Considerations

If you’re planning a trip to a specific destination, it’s wise to understand any country-specific requirements or recommendations for travel insurance. Some countries may have specific regulations or medical coverage requirements for travelers, which your ICICI Lombard policy should meet.

Keeping Your Policy Handy

Once you’ve chosen ICICI Lombard travel insurance and embarked on your journey, it’s essential to keep your policy details, contact numbers, and emergency assistance information easily accessible. This ensures that you can quickly access help and information when you need it the most.


ICICI Lombard travel insurance is a valuable companion for travelers, offering a wide range of coverage options and benefits to ensure safe and secure journeys. By carefully considering your specific travel needs, selecting the right policy, and understanding the claims process, you can enjoy your trips with confidence, knowing that you have the protection and support of ICICI Lombard, a trusted name in the insurance industry. Traveling is all about experiencing new horizons, and with ICICI Lombard, you can do so with the peace of mind that comes from being prepared for the unexpected.

By Admin

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