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HDFC ERGO General Insurance

Travel Explorer (Platinum)

By HDFC ERGO General Insurance

₹31/day

Indicative starting premium - approximately ₹465 for a 15-day international trip. Actual premium varies by destination, duration, age, and sum insured chosen.

$1 Million
Max Sum Insured (Platinum)
95.3%
Claim Settlement Ratio
Worldwide
Cover incl. USA/Canada
99 Years
Maximum Entry Age
4
Plan Variants

Plan Highlights

What makes HDFC ERGO Travel Explorer stand out from the competition

Cashless Hospitalization Network

Wide global network of cashless hospitals so you don't need to pay upfront and seek reimbursement during a medical emergency abroad.

Up to $1 Million Sum Insured

The Platinum variant offers cover up to $1,000,000 - ideal for travel to high medical-cost countries like the USA and Canada.

Emergency Medical Evacuation

Covers emergency evacuation and repatriation of mortal remains up to the medical sum insured if the worst happens overseas.

Baggage Loss & Delay Cover

Compensation for loss of checked-in baggage and reimbursement for essential purchases if your baggage is delayed.

Emergency Hotel Extension

If your trip is medically extended, the plan covers additional accommodation costs incurred during the extended stay.

Personal Accident Lump-sum

Lump-sum payout in case of accidental death or permanent disability while travelling, providing financial security to your family.

Flight Delay Compensation

Get compensation for meals and refreshments if your flight is delayed beyond the specified threshold.

Built for Every Traveller Type

Available for individuals, families, students, and business travellers with variant choices from Silver to Titanium.

Detailed Coverage

A comprehensive look at what is and is not covered under HDFC ERGO Travel Explorer (Platinum)

Coverage FeatureDetailsStatus
Emergency Medical TreatmentUp to $1,000,000 (Platinum)Fully Covered
Hospitalisation (Accident & Sickness)Cashless network worldwideCovered
Medical Evacuation & RepatriationUp to medical sum insuredCovered
Dental EmergencySudden acute dental pain reliefCovered
Trip CancellationReimbursement of pre-paid costsCovered
Trip Interruption/CurtailmentCovers unused trip costsCovered
Missed ConnectionDue to covered delaysCovered
Flight DelayMeal/refreshment compensationCovered
Baggage DelayReimbursement of essentialsCovered
Loss of Checked BaggageLump-sum compensationCovered
Loss of PassportCost of obtaining duplicate passportCovered
Personal Accident (Death/Disability)Lump-sum benefitCovered
Personal LiabilityThird-party liability coverCovered
Hijack CoverDaily allowance during hijackCovered
Daily Cash for HospitalisationPer day cash allowanceCovered
Pre-existing DiseasesEmergency stabilisation onlyPartial
Adventure SportsAvailable as optional add-onAdd-on
COVID-19 CoverTreatment expenses includedCovered

Who Should Buy HDFC ERGO Travel Explorer?

This plan is best suited for the following profiles

Families Travelling to USA/Canada

With sum insured up to $1 million in the Platinum variant, this plan suits families heading to high medical-cost destinations where treatment costs can run into lakhs of rupees per day.

Frequent International Travellers

Those who travel abroad regularly for work or leisure benefit from cashless hospital network access and emergency evacuation cover available worldwide.

Students and Business Travellers

Variants from Silver to Titanium let students and business travellers pick a cover level that matches their budget and trip duration.

Senior Citizens Travelling Abroad

With entry age up to 99 years (subject to age-based loading), elderly family members can also be covered under this plan.

Pros and Cons

An honest assessment of HDFC ERGO Travel Explorer

Advantages

  • Sum insured up to $1 million in the Platinum variant
  • 95.3% claim settlement ratio
  • Cashless hospitalization network worldwide including USA/Canada
  • Covers individuals, families, students, and business travellers
  • Emergency hotel extension if trip is medically extended
  • Flight delay compensation for meals/refreshments
  • Entry age up to 99 years

Disadvantages

  • Ongoing pre-existing disease treatment is excluded
  • Senior citizens face premium loading
  • Adventure sports cover requires an optional add-on
  • Higher sum insured variants come at a higher premium

Frequently Asked Questions

Common queries about HDFC ERGO Travel Explorer travel insurance

The Platinum variant of HDFC ERGO Travel Explorer offers a maximum sum insured of up to $1,000,000 (USD 10 Lakh equivalent), one of the highest available among Indian travel insurers, suitable for trips to high medical-cost destinations like the USA and Canada.
HDFC ERGO Travel Explorer covers only emergency, life-threatening stabilisation of pre-existing conditions while abroad. Ongoing or planned treatment for pre-existing diseases is excluded, so travellers with chronic conditions should carry adequate medication and disclose conditions honestly.
HDFC ERGO has a wide cashless hospitalization network abroad. For cashless treatment, the network hospital coordinates directly with the insurer's assistance partner. For reimbursement claims, you must retain all original bills, medical reports, and receipts and submit them within the specified claim intimation period after returning to India.
HDFC ERGO Travel Explorer covers travellers up to 99 years of age, though premiums increase with age loading for senior citizens. This makes it accessible to elderly family members travelling with younger relatives.

Not sure if HDFC ERGO Travel Explorer is right for you?

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Compare with Other Plans

See how HDFC ERGO Travel Explorer stacks up against other top travel insurance plans