Most digital-first insurers issue a soft copy of your travel insurance policy within minutes of purchase. However, when you’re travelling urgently, you may need a policy that activates instantly, without waiting for lengthy processing or documentation.
Below is a list of insurers in India known for issuing policy documents immediately after payment, making them suitable for last-minute or emergency travel requirements.
The following table lists well-known travel insurance providers in India that claim to issue travel insurance certificates instantly or within minutes after successful payment. These insurers are suitable for last-minute or emergency travel needs.
| Insurance Provider | Instant Policy Issuance | Key Highlight | Best For |
|---|---|---|---|
| ACKO Travel Insurance | Yes | Digital-first process with minimal documentation | Urgent travel insurance at affordable prices |
| Tata AIG Travel Insurance | Yes | Instant issuance without prior medical tests | High sum insured requirements |
| ICICI Lombard Travel Insurance | Yes | Fully online purchase with immediate policy documents | Comprehensive and adventurous travel |
| Reliance Travel Insurance | Yes | Instant issuance without pre-medical check-ups | Individuals, families, and students |
| IFFCO-Tokio Travel Insurance | Yes | Policy certificate issued within minutes | Budget-friendly coverage |
Here is a comparative analysis for you to choose the best insurance for immediate activation of cover from some of the top insurers in the market:
This table focuses on how quickly the policy becomes active and what type of coverage each insurer offers, which is critical for last-minute travellers.
| Insurer | Policy Activation Speed | Coverage Options | Plan Variants Available |
|---|---|---|---|
| ACKO Travel Insurance | Instant activation after payment | Standard international travel cover with optional add-ons | Single-trip and multi-trip |
| Tata AIG Travel Insurance | Instant issuance without medical tests | Comprehensive coverage | Silver, Gold, Platinum, Titanium |
| ICICI Lombard Travel Insurance | Coverage starts immediately | Medical, baggage, trip disruption, adventure cover | Essential, Optimum, Adventure |
| Reliance Travel Insurance | Immediate policy issuance | Curated plans for different traveller types | Individual, Family, Student, Annual |
| IFFCO-Tokio Travel Insurance | Policy certificate issued within minutes | Medical and travel-related risks | Silver and higher variants |
This table helps travellers compare cost expectations and decide which insurer fits their travel purpose.
| Insurer | Pricing Range | Best Suited For | Overall Assessment |
|---|---|---|---|
| ACKO Travel Insurance | Affordable and competitive | Emergency and last-minute travel insurance | Fast, digital, and budget-friendly |
| Tata AIG Travel Insurance | Premium-priced | Travellers needing a high sum insured | Strong coverage with a higher cost |
| ICICI Lombard Travel Insurance | Higher than average | Adventure and customised travel | Extensive options but pricier |
| Reliance Travel Insurance | Mid-range | Families, students, and frequent travellers | Balanced coverage and convenience |
| IFFCO-Tokio Travel Insurance | Budget-friendly | Cost-conscious international travellers | Reliable coverage at lower premiums |
● Always buy from a digital travel insurer in case you urgently need travel insurance.
● Check whether the policy's start date and time begin immediately or after a cooling-off period.
● Ensure you have adequate coverage for your trip duration and itinerary.
● If you are travelling in groups, opt for a family or group policy as they are more affordable.
● Look for add-ons such as adventure sports, trip cancellation, or baggage loss coverage, if relevant to your travel needs.
● Review sub-limits and per-claim caps, as instant policies may have lower limits on certain benefits.
● Get a decent sum insured, especially if you are visiting an expensive country like the US.
● Compare multiple insurers and choose a suitable policy from a reputable insurer.
● Check the claim settlement ratio and process to ensure smooth claims during emergencies.
● Always disclose your pre-existing conditions to your insurer and obtain coverage for them.
All providers offer quick activation, but the right choice depends on budget, destination, and coverage needs. ACKO travel insurance stands out for its easy-to-understand plans, reliable coverage, and specific customisation of plans.
Consequently, Tata AIG offers immediate policy issuance with a wide range of plan tiers and higher sum insured options. Travel insurance from ICICI Lombard provides instant coverage with extensive customisation and specialised travel benefits.
Reliance offers instantly issued plans designed for individuals, families, students, and frequent travellers. Whereas, IFFCO-Tokio travel insurance appeals to cost-conscious travellers seeking basic protection.
Always review the sum insured, specific requirements, and policy exclusions before purchasing travel insurance for comprehensive protection.
Disclaimer: This article is published in association with Teamology and not created by TNM Editorial.