Care International Travel Insurance Review 2026 | Care Health Insurance

Plan Highlights

What makes Care International Travel Insurance stand out from the competition

Pay Only for Days Travelled

Premium is charged on a strict per-day basis with no trip-band slabs, so you never overpay for a short trip.

Pre-Existing Diseases Covered (10%)

Pre-existing conditions are covered up to 10% of the principal sum insured for both accident and sickness - a rare benefit.

No Maximum Entry Age

Unlike most travel insurers, there is no upper age cap, making this plan accessible to senior citizens of any age.

Newborn Babies Eligible

Coverage is available from day 1 of birth, with no minimum age requirement for infants travelling with family.

Policy Extension up to 180 Days

If your trip runs longer than planned, the policy can be extended up to a total duration of 180 days.

High Sum Insured up to $1 Million

Sum insured options range from $10,000 to $10,00,000, providing flexibility for short trips and high-value destinations alike.

Care Explore Plan

The Care Explore variant offers a fully customisable structure tailored to individual trip requirements.

Comprehensive Standard Cover

Includes medical emergencies, trip cancellations, lost baggage, and trip delays as standard inclusions.

Detailed Coverage

A comprehensive look at what is and is not covered under Care International Travel Insurance

Coverage Feature	Details	Status
Emergency Medical Treatment	Up to $10,00,000	Fully Covered
Hospitalisation (Accident & Sickness)	Worldwide cover	Covered
Medical Evacuation & Repatriation	Up to medical sum insured	Covered
Dental Emergency	Sudden acute dental pain relief	Covered
Trip Cancellation	Reimbursement of pre-paid costs	Covered
Trip Interruption/Curtailment	Covers unused trip costs	Covered
Missed Connection	Due to covered delays	Covered
Flight Delay	Compensation for trip delays	Covered
Baggage Delay	Reimbursement of essentials	Covered
Loss of Checked Baggage	Lump-sum compensation	Covered
Loss of Passport	Cost of duplicate passport	Covered
Personal Accident (Death/Disability)	Lump-sum benefit	Covered
Personal Liability	Third-party liability cover	Covered
Hijack Cover	Daily allowance during hijack	Covered
Daily Cash for Hospitalisation	Per day cash allowance	Covered
Pre-existing Diseases	Up to 10% of principal sum insured	Partial (10% SI)
Adventure Sports	Not part of standard cover	Excluded
COVID-19 Cover	Treatment expenses included	Covered

Who Should Buy Care International Travel Insurance?

This plan is best suited for the following profiles

Senior Citizens with No Age Limit

With no maximum entry age, this plan is one of the very few options available to elderly travellers who are turned away by other insurers.

Families with Newborns

Newborn babies are eligible for cover from birth, making this ideal for families travelling with infants.

Travellers with Pre-existing Conditions

The 10% sum insured cover for pre-existing diseases offers some protection that most competitors simply don't provide.

Short and Variable-Duration Trips

The strict per-day premium structure makes this cost-effective for short trips and flexible for travellers unsure of exact trip length.

Pros and Cons

An honest assessment of Care International Travel Insurance

Advantages

Premium charged purely per day, not trip-band slabs
Pre-existing diseases covered up to 10% of sum insured
No maximum entry age - covers seniors of any age
Newborn babies eligible from birth
Sum insured up to $10,00,000
Policy extendable up to 180 days

Disadvantages

90.1% claim settlement ratio is moderate compared to top peers
Pre-existing disease cover is capped at only 10% of sum insured
Adventure sports not covered
Per-day pricing can work out costlier for very long trips

Frequently Asked Questions

Common queries about Care International Travel Insurance

Unlike most travel insurers that use trip-band slabs, Care International Travel Insurance charges premium purely on a per-day basis for the actual number of days travelled. For example, a 7-day Asia trip with $10,000 cover costs around ₹276, while a 15-day trip with $50,000 cover costs around ₹550.

Yes, Care International Travel Insurance covers pre-existing conditions for both accident and sickness up to 10% of the principal sum insured - a unique differentiator since most competing travel insurers exclude pre-existing diseases entirely except for emergency stabilisation.

No, Care International Travel Insurance has no maximum entry age limit for single-trip or multi-trip policies, making it one of the few plans suitable for senior citizens of any age. It also covers travellers from birth, including newborn babies.

Yes, Care International Travel Insurance allows policy extension up to a total of 180 days, which is helpful if your trip duration changes unexpectedly while you are already abroad.

Compare with Other Plans

See how Care International Travel Insurance stacks up against other top travel insurance plans

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Care International Travel Insurance