Travel Insurance That Travels With You
Comprehensive coverage from ICICI Lombard and Aditya Birla Capital. Protect your trips with plans starting from just ₹699.
50,000+
Policies Sold
4.8/5
Customer Rating
Smart Pro
Comprehensive coverage for frequent travelers
Smart Pro - Including USA & Canada (30 Days)
Annual multi-trip coverage valid for 365 days
| Coverage Amount | Up to 40 Years | 41-60 Years | 61-70 Years | Action |
|---|---|---|---|---|
| $250,000 | ₹4561per year | ₹5350per year | ₹11144per year | |
| $500,000 | ₹5077per year | ₹7020per year | ₹13045per year |
How Annual Multi-Trip Plans Work
Unlimited Trips
Take as many trips as you want within 365 days. Each trip is covered up to 30 consecutive days from the date you exit India.
Auto Reset
Each time you return to India and travel again, your 30-day coverage period resets automatically for the new trip.
Coverage Limit
If you stay abroad for more than 30 consecutive days without returning to India, coverage expires after 30 days.
Cost Effective
Perfect for frequent travelers. One annual premium covers all your trips, saving up to 60% compared to single-trip policies.
Insurance Guide by Destination
Different countries have very different medical costs and risks. Know exactly what coverage you need.
USA & Canada
Risk: Very High
$500K–$1M
Europe (Schengen)
Risk: Medium
$100K–$250K
Australia & NZ
Risk: Medium-High
$250K–$500K
Africa & Safari
Risk: High
$250K–$500K
UAE & Middle East
Risk: Low-Medium
$100K–$250K
Southeast Asia
Risk: Low
$50K–$100K
Japan & Korea
Risk: Low-Medium
$100K–$250K
Latin America
Risk: Medium-High
$250K–$500K
Compare Insurance Providers
Side-by-side comparison of ICICI Lombard and Aditya Birla Capital plans.
| Feature | ICICI Lombard Smart Pro / Style Pro | Aditya Birla Capital Annual Multi-Trip |
|---|---|---|
| Medical Coverage | Up to $1,000,000 | Up to $500,000 |
| Trip Duration Options | 30 or 45 days per trip | 30, 45, 60 or 90 days per trip |
| Annual Multi-Trip | Yes (365 days policy) | Yes (365 days policy) |
| USA & Canada Coverage | Yes (higher premium) | Yes (higher premium) |
| Trip Cancellation | Up to $10,000 | Up to $7,500 |
| Baggage Loss | Up to $2,500 | Up to $2,000 |
| Personal Liability | Up to $100,000 | Up to $75,000 |
| Adventure Sports | Style Pro only | Add-on available |
| Pre-existing Conditions | Acute onset covered | Acute onset covered |
| Cashless Claims | Yes — 6,500+ hospitals | Yes — 5,000+ hospitals |
| Starting Premium | ₹3,763/year | ₹2,999/year |
| Best For | High coverage needs, USA/Canada travel | Longer trips, budget-conscious travelers |
What Our Clients Say
Real experiences from travelers who trusted us with their insurance.
Rajesh Mehta
Surat, Gujarat · USA Trip
"I had a medical emergency in New York and the ICICI Smart Pro plan covered everything — $45,000 in hospital bills. Explera helped me choose the right plan with $500K coverage. Absolutely life-saving decision!"
Priya Patel
Ahmedabad · Europe Tour
"The Schengen visa required insurance and Explera sorted it in minutes. My flight got cancelled in Paris and the trip interruption cover reimbursed ₹85,000 in hotel and rebooking costs. Excellent service!"
Amit Shah
Vadodara · Africa Safari
"Going on a Kenya safari, I was worried about remote area emergencies. The Style Pro plan covered everything including emergency evacuation. The team at Explera guided me perfectly on what coverage I needed."
Kavita Desai
Surat · Australia & NZ
"Bought the annual plan for our family trip to Australia. My son had an accident while hiking and the cashless claim at a Sydney hospital was processed within hours. Zero stress, full coverage!"
Suresh Joshi
Rajkot · Japan
"The Aditya Birla 45-day annual plan was perfect for my frequent business trips to Japan. Covered 6 trips in one year at a fraction of the cost of individual policies. Highly recommend!"
Nisha Kapoor
Bharuch · Thailand
"Lost my baggage in Bangkok and the claim was settled within 10 days. The Explera team helped me file the claim and followed up on my behalf. Truly hassle-free experience!"
Ready to Secure Your Journey?
Get comprehensive travel insurance in minutes. Protect yourself and your loved ones against unexpected events while traveling.