Travel insurance to India? Is comprehensive necessary?

I would absolutely get travel insurance. We just got back from 3 weeks in India and Nepal, and due to illness, canceled flights, fog and other challenges, we were very glad to have insurance. It was a great trip, and we will be going back sometime in the next few years!

What group (with internet address) did you use and did you get a comprehensive policy? Any information would be most helpful. Thank you

Boston, what kind of travel insurance do you want/need? Cancellation and interruption? Medical expenses? Medical Evacuation (I think this is the minimum to have)? baggage insurance?

But only what you need. Often travel insurance comes in a huge bundle that costs considerably more than what you would pay if you only purchase what you needed.

Kathie, After exploring Platinum Amex, I find that I have medical evacuation. Tufts Medical will reimburse me for any treatment in India. I guess I am just looking for cancellation, interruption, and baggage insurance. Can you pick al a carte with some of these companies? Have you had any personal experience? Do you give them the exact cost? Any advise would be great!!! Cindy

Yes, you can choose a la catre. Someone referred me to the site insuremytrip.com which allows you to look at a number of companies.

By the way, I don't carry trip cancellation/interruption insurance. Why? Most trips I don't have to pre-pay much if any accommodations, and if I had to cancel or change my tickets once I got there, it would only cost be a couple hundred dollars... about the same price as the insurance. But if you book expensive accommodations (like in India) transport, etc, trip insurance is probably a wise investment.

Blue Cross/Blue Shield of NH will also reimburse medical expenses while overseas. Just bring back receipts with a reasonable explanation of services rendered.

Some hotels in India require a ridiculously long lead time for cancellation, so depending on where you're booked cancellation insurance could give you that peace of mind.

cindy...karen and i do not carry insurance for our trips....like kathie we are rarely pre-paid on things, but if we are that can be just a casualty of the problem....i can bear that expense if i had to...

BUT WE DO CARRY MEDICAL EVACUATION, thanks to kathie...