HDFC ERGO General Insurance
HDFC ERGO Travel Gold
Instant Schengen-compliant cover with gadget and adventure add-ons.
Medical Sum Insured
$100,000
Deductible
$100 medical deductible
Ages Accepted
0–70
Max Trip Length
180 days
Sold To
India residents
Destinations
Worldwide incl. USA/Canada · USA & Canada · Europe & Schengen · Asia
Pricing Style
Per travel day
24×7 Assistance
Yes — global assistance line
Why travellers pick it
- Adventure & gadget add-ons
- Fast fully-digital issuance
- Trusted bancassurance brand
Full benefit schedule
Emergency Medical
$100,000
Hospitalisation, physician fees, diagnostics and prescribed medicines when you fall sick or get injured abroad. The single most important number on any travel policy.
Emergency Evacuation
Included
Air-ambulance or medically-supervised transport to the nearest adequate hospital — routinely a five-to-six-figure cost from remote areas, cruise ships or mountains.
Medical Repatriation
Included
Transport home for continued treatment, or repatriation of mortal remains — arranged and paid by the insurer’s assistance company.
Trip Cancellation
$500
Refunds prepaid, non-refundable trip costs when you must cancel for a covered reason (illness, injury, death in family, and other listed events) before departure.
Trip Interruption
$750
Reimburses the unused portion of your trip and extra transport home when a covered event cuts the trip short after departure.
Trip Delay
$120
Fixed or per-day allowance for meals, lodging and essentials when your departure is delayed beyond the policy’s waiting period (typically 5–12 hours).
Lost / Damaged Baggage
$1,000
Reimbursement for checked baggage lost, stolen or destroyed by a carrier, subject to per-item limits and depreciation.
Baggage Delay
$100
Emergency purchases (clothes, toiletries) when checked bags are delayed beyond the waiting period, usually 12–24 hours.
Passport Loss
$300
Costs of obtaining an emergency certificate or duplicate passport abroad — consular fees and related travel.
Personal Liability
$100,000
Legal liability for accidental injury to a third party or damage to their property during the trip.
Accidental Death (AD&D)
$25,000
Lump-sum benefit to your nominee if an accident during the trip causes death.
Adventure Sports (add-on)
Optional adventure sports add-on
Extends medical and evacuation cover to listed adventure activities (trekking, scuba, rafting…). Every insurer keeps its own activity list — always check yours is on it.
Electronics / Gadgets (add-on)
Optional gadget cover add-on
Higher per-item limits for laptops, cameras and phones than standard baggage cover allows.
COVID-19 Cover
Covered
Medical expenses and (on some plans) quarantine allowance or cancellation if you contract COVID-19 before or during the trip.
Emergency Dental
$300
Acute dental pain relief while travelling, capped at a sub-limit of the medical benefit.
Get HDFC ERGO Travel Gold for your exact trip
Tell us the trip and travellers — we confirm the live premium and eligibility with the insurer, handle the purchase, and stay on your file for claims help.
Key exclusions
- — Pre-existing medical conditions, unless the plan states otherwise or a waiver applies
- — Travelling against medical advice or to obtain planned/elective treatment (unless a medical-travel cover is bought)
- — Injuries from alcohol/drug influence, self-harm, or criminal acts
- — War, invasion, and active participation in civil unrest
- — Professional or competitive sports; extreme activities not on the plan’s covered list
- — Baggage left unattended in a public place; undeclared valuables above per-item limits
- — Losses recoverable from airlines, hotels, or other insurance first (most benefits pay secondary)
How claims work
Call the insurer’s assistance line before or at hospital admission for cashless treatment abroad where the network allows; otherwise pay, keep every bill/report, and file for reimbursement online within the policy’s notification window (usually 30 days of return).
Overseas assistance via partner network; claims filed online or through the HDFC ERGO app with supporting documents.
Frequently Asked Questions
How much medical cover does HDFC ERGO Travel Gold include?
$100,000 of emergency medical cover ($100 medical deductible). Emergency evacuation: Included.
Who can buy HDFC ERGO Travel Gold?
Travellers aged 0–70, for trips up to 180 days. Sold to Indian residents.
How do claims work on HDFC ERGO Travel Gold?
Call the insurer’s assistance line before or at hospital admission for cashless treatment abroad where the network allows; otherwise pay, keep every bill/report, and file for reimbursement online within the policy’s notification window (usually 30 days of return). Overseas assistance via partner network; claims filed online or through the HDFC ERGO app with supporting documents.
Does HDFC ERGO Travel Gold cover COVID-19?
Yes — Covered.
More from HDFC ERGO General Insurance
Premiums shown are indicative estimates compiled from publicly available plan literature and typical market rates — the final premium, terms and issuance are always set by the insurer. Plan benefits, limits and exclusions are summarised for comparison; the policy wording issued by the insurer is the only binding document. Confirm current terms with the insurer or our consultants before purchase.