Travel Insurance Purchases Surge by 45% as Indians Embrace Offbeat Destinations

Indian travellers are increasingly steering away from traditional tourist spots and opting for unique, lesser-known destinations. This shift in travel preferences has led to a 45% surge in travel insurance purchases for offbeat and adventurous trips over the past 2-3 years, according to Policybazaar.

Why are Indian Travellers Purchasing More Travel Insurance?

Emerging destinations are seeing significant traction. Seychelles tops the list with a 115% year-on-year growth in 2025, while Vietnam follows with a 50% increase. Other popular choices include the Philippines, Sri Lanka, Kenya, and Fiji.

Despite this growth, offbeat destinations still make up just 11% of the overall travel insurance market, suggesting untapped potential.

Young Adults Make Up 44% of Travel Insurance Purchases.

The offbeat trend is mainly driven by travellers aged 25 to 35, who account for 44% of insurance purchases in this category. Many choose comprehensive policies worth ₹1 lakh or more, especially those that cover high-risk activities like diving, trekking, and safaris.

Why Indian Travellers Consider Travel Insurance Necessary?

These trips are typically shorter, averaging just 18 days as compared to 51 days for mainstream travel. Bookings are often made last-minute, with insurance purchased closer to departure. Travellers prioritise coverage for medical emergencies, baggage loss, and trip disruptions. This makes comprehensive insurance a crucial part of travel planning.

Seasonal and Post-Pandemic Shifts

The October to March period sees peak offbeat travel, driven by festive seasons and pleasant weather. Since the pandemic, there’s been a 50%+ increase in travel insurance for offbeat trips, highlighting a lasting change in travel behaviour focused on safety and unique experiences.

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Conclusion

As Indian travellers explore beyond the usual, travel insurance has become a key part of their journey. With a strong shift toward offbeat destinations, the rise in insurance purchases reflects not just wanderlust but a growing sense of responsibility and preparedness.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.