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Taj Mahal white marble mausoleum with central reflecting pool and cypress trees, Agra, India – UNESCO World Heritage Site

Travel Insurance for India, Fully Covered with LUMA

Stay covered across India’s busy cities, coastal escapes, and heritage routes with LUMA travel insurance.
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Is My Baggage, Health, Trip Covered?

  • damage, loss
  • sudden sickness, hospital expense
  • delays, cancellations

Yes!

  • On-the-ground teams and global partners ensure care is always nearby.

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  • English-speaking assistance with coverage curated for India.

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  • Practical support backed by decade-long experience and deep-rooted hospital networks.

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  • Direct access to our in-house medical team (Medipro) for real medical advice.

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India calling? We go above and beyond to make sure your trip stays golden.
  • Hawa Mahal Palace of Winds pink sandstone honeycomb facade with ornate windows, Jaipur, Rajasthan, India
    India Gate war memorial sandstone triumphal arch at dusk with vintage street lamp, New Delhi, India

    01 Delhi belly two days into the trip?

    A change in food and water trips up plenty of first-time visitors, and an unsettled stomach can go from a nuisance to genuinely draining once the heat is added in. At its worst it means a clinic visit, fluids, and a day written off. Medipro can help you figure out whether it's worth seeing a doctor, and if you do, your LUMA policy picks up the eligible treatment costs.

  • Vidhana Soudha Karnataka state legislature building with golden dome and equestrian statue, Bengaluru, India
    Tourists at Pangong Tso lake shore with snow-capped Himalayan mountains and dramatic storm clouds, Ladakh, India
    Colorful Dravidian gopuram tower with painted Hindu deity sculptures at South Indian temple, Tamil Nadu

    02 Stray dog bite near a temple or market?

    Stray dogs and monkeys gather around India's temples, markets, and tourist spots, and any bite or scratch is taken seriously here because of rabies risk, which usually means getting seen quickly and starting a course of shots. LUMA covers the eligible treatment costs, so dealing with it promptly isn't something you have to think twice about.

  • Amer Fort yellow sandstone Rajput palace with terraced walls reflected in Maota Lake, Jaipur, Rajasthan
    Taj Mahal white marble UNESCO mausoleum perfectly mirrored in still water pool, Agra, Uttar Pradesh, India
    Safdarjung Tomb Mughal architecture red sandstone mausoleum with white flowers in foreground, New Delhi, India

    03 Bad air day in Delhi during winter?

    Across the autumn and winter, air quality in northern cities like Delhi can fall to hazardous levels, and anyone with asthma or a sensitive chest tends to notice fast. If breathing trouble or tightness starts to feel serious, it's worth getting looked at. Your LUMA policy covers eligible medical costs for sudden illness on your trip.

  • Colorful boats and pilgrims on the ghats of the Ganges River with ancient temples, Varanasi, Uttar Pradesh
    Decorated elephants carrying tourists up cobblestone path at Amber Fort, Jaipur, Rajasthan, India
    Scenic tree-lined highway road through lush green forest at golden hour, rural India road trip

    04 Road accident on a busy city or highway stretch?

    Traffic in India is relentless, and even with a hired driver or a ride-hailing app, long transfers between cities carry real risk. A crash or a fall can lead to scans, treatment, or a night in hospital before you're moving again. If the nearest hospital isn't equipped for what you need, LUMA helps arrange transfer to one that is, and covers the eligible medical costs.

  • Gateway of India colonial basalt arch monument reflected in rain puddle with tourists, Mumbai, Maharashtra
    Detailed white marble elephant and mahout sculpture at ornate Indian temple entrance, Rajasthan, India
    Traditional houseboats on Kerala backwaters at sunset surrounded by coconut palm trees, Alleppey, India

    05 Fever setting in days after a mosquito bite?

    Dengue and malaria are real risks across much of India, particularly in the warmer, wetter months, and symptoms like high fever, body aches, and fatigue can take a few days to appear. A serious case may need monitoring or a hospital stay. Medipro can advise you on whether it's time to see a doctor, and your LUMA policy covers the eligible treatment costs if you need care.

Detailed white marble elephant and mahout sculpture at ornate Indian temple entrance, Rajasthan, India
Gateway of India colonial basalt arch monument reflected in rain puddle with tourists, Mumbai, Maharashtra
Decorated elephants carrying tourists up cobblestone path at Amber Fort, Jaipur, Rajasthan, India
Colorful boats and pilgrims on the ghats of the Ganges River with ancient temples, Varanasi, Uttar Pradesh
Taj Mahal white marble UNESCO mausoleum perfectly mirrored in still water pool, Agra, Uttar Pradesh, India
Amer Fort yellow sandstone Rajput palace with terraced walls reflected in Maota Lake, Jaipur, Rajasthan
Tourists at Pangong Tso lake shore with snow-capped Himalayan mountains and dramatic storm clouds, Ladakh, India
Vidhana Soudha Karnataka state legislature building with golden dome and equestrian statue, Bengaluru, India
Intricate sandstone shikhara tower with carved Hindu sculptures at Khajuraho Group of Monuments, Madhya Pradesh, India
Hawa Mahal Palace of Winds pink sandstone honeycomb facade with ornate windows, Jaipur, Rajasthan, India
Ancient stepwell baoli with symmetrical stone arched corridors descending to water, Agrasen Ki Baoli, New Delhi, India
Colorful Tibetan Buddhist monastery facade with golden ornaments and traditional painted motifs, Sikkim, India
Ornate multi-storey pink sandstone haveli with arched balconies on narrow street, Bikaner old city, Rajasthan, India
Mehrangarh Fort massive sandstone walls and palace rising dramatically from rocky hilltop, Jodhpur, Rajasthan, India
Hindu hilltop temple with trishul symbol and checkered marble courtyard with pilgrims under blue sky, Uttarakhand, India
Decorated camel with colorful saddle standing on sandy beach with tourists at dusk, Puri or Juhu Beach, India
Mysore Palace ornate Indo-Saracenic towers with deep red domes and gold detailing against teal sky, Karnataka, India
Qutub Minar tall red sandstone UNESCO minaret with ruins and tourists on walkway, New Delhi, India
Kashmiri boatman rowing traditional wooden shikara on tranquil Dal Lake at sunset with mountain backdrop, Srinagar, India
Giant white marble Lord Hanuman statue with gold ornaments holding mace, Hindu religious monument, Andhra Pradesh, India

Your India Travel Insurance Questions, Answered

Buland Darwaza massive red sandstone victory gate with tourists on grand staircase, Fatehpur Sikri, Uttar Pradesh, India

It can be, with some care. Plenty of women travel India solo each year, and the main routes, Rajasthan, Kerala, Goa, and the Delhi–Agra–Jaipur triangle, are well trodden and used to international visitors. Women are generally advised to take extra precautions here: avoid travelling alone after dark, use trusted ride-hailing apps or pre-booked drivers rather than street transport, and stay alert to scams around stations and tourist sites. Check your home government's advisory before you go.

The most common is an upset stomach from a change in food and water. Beyond that, dengue and malaria are present in many regions, rabies is a real risk from stray dogs and monkeys around tourist sites, and air quality in northern cities can drop sharply in autumn and winter. Most cases are manageable, but some need a clinic visit or a hospital stay, which is the most frequent reason a trip here gets disrupted. India travel insurance helps cover eligible medical costs if you need treatment during your trip.

Yes. Unfamiliar food and water catch out plenty of first-time visitors, and a bad case of food poisoning or dehydration can lead to a clinic visit, a drip, or even a night in hospital, more so in the heat. Medipro can talk you through whether it's something to wait out or worth seeing a doctor for, and your LUMA policy takes care of the eligible treatment costs if you do. For a bigger bill, direct billing can be set up where available, so the full amount isn't on you upfront.

Yes. As of June 2026, US passport holders need a visa to enter India and can apply for an India e-Tourist Visa online before travelling, through the Indian government's official e-Visa portal, according to the Bureau of Immigration. There's no visa-on-arrival, so the e-Visa must be approved before you fly. Many US citizens are eligible for longer-validity tourist visas, but terms depend on your application. Your passport needs at least six months' validity from your date of arrival and two blank pages. Check current requirements and fees on the official portal before booking.

Yes. India’s monsoon season generally runs from June to September, and heavy rain can affect road travel, domestic flights, hill routes, city traffic, and outdoor sightseeing. India’s own climate profile identifies the monsoon or rainy season as June to September. For travelers, the practical issue is scale. A blocked road or delayed transfer may disrupt the day, but trip interruption usually applies when a covered event forces you to stop the trip and return home. LUMA plans with trip interruption benefits can help with eligible costs when a major covered event, such as severe flooding, makes it impossible to continue your itinerary.

Go places, we’ve got you covered.

  • Golden Temple Harmandir Sahib gold-plated Sikh gurdwara surrounded by Amrit Sarovar lake at sunset, Amritsar, Punjab, India
  • Mysore Palace ornate interior corridor with turquoise arched ceiling, gold columns and reflective marble floor, Karnataka, India
  • Intricate sandstone Hindu temple with shikhara spire and red flag with pilgrims, Somnath Temple, Gujarat, India

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