Travel Insurance That Travels With You
Comprehensive coverage from ICICI Lombard and Aditya Birla Capital. Protect your trips with plans starting from just ₹699.
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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!"
Visa Requirements by Destination
Many countries require travel insurance as part of their visa application process. Learn about specific requirements and get the right coverage for your destination.
View All Visa GuidesExplore Holiday Packages
Planning your next international trip? Browse our curated holiday packages and get bundled travel insurance for complete peace of mind.
Europe Tours
Paris, Switzerland, Italy
USA Packages
New York, California, Hawaii
Canada Tours
Rockies, Toronto, Vancouver
Japan Packages
Tokyo, Kyoto, Osaka
Frequently Asked Questions
Get answers to common questions about travel insurance coverage, claims, and requirements.
Is travel insurance mandatory for international travel?
Travel insurance is mandatory for Schengen visa applications (minimum EUR 30,000 coverage). While not mandatory for all destinations, it is highly recommended for USA, Canada, UK, Australia, and other countries due to high medical costs.
What does travel insurance typically cover?
Travel insurance covers emergency medical expenses, trip cancellation, baggage loss, personal liability, accidental death, emergency evacuation, and 24/7 emergency assistance. Coverage limits vary by plan.
What is an annual multi-trip plan?
An annual multi-trip plan covers unlimited trips within 365 days. Each trip can be up to 30, 45, 60, or 90 days. This saves up to 60% compared to buying single-trip policies for each journey.
How much medical coverage do I need for USA travel?
For USA travel, we recommend minimum medical coverage of $250,000 to $500,000 due to extremely high healthcare costs. A single day in a US hospital can cost $3,000-$5,000. Our plans offer coverage up to $1,000,000.
Are pre-existing conditions covered?
Most plans cover acute onset of pre-existing conditions up to policy limits. This means sudden, unexpected flare-ups during your trip are covered. Chronic conditions and routine treatment are typically excluded.
How do I file a travel insurance claim?
Contact the 24/7 helpline immediately after the incident, gather required documents (medical reports, police reports, receipts), submit the claim form within 30 days, and claims are typically processed within 7-14 working days.
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