Travel insurance for a 35-year-old: Worldwide (excl. USA), 30 days
A 35-year-old travelling worldwide excluding USA & Canada for 30 days has 51 plans available from 5 Indian insurers. Premiums run from ₹908 to ₹4,776, with a median of ₹1,661. 82% include pre-existing disease cover.
Prices read live from our rate table. Base premium before GST. We take no commission.
Cheapest
₹908
Median
₹1,661
Dearest
₹4,776
Plans
51
The cheapest options
Lowest-priced plans for this exact combination. Cheapest is not automatically best — check the sum insured, the sub-limit and the PED column.
| Insurer | Plan | Cover | PED | Premium |
|---|---|---|---|---|
| BAJAJ | BAJAJ Companion Care | 50000 USD | Yes | ₹908 |
| CARE - New Explore | CARE GOLD | 50000 USD | No | ₹1,012 |
| INDUSIND | INDUSIND - STANDARD | 50000 USD | Yes | ₹1,027 |
| CARE - New Explore | CARE GOLD | 50000 USD | Yes | ₹1,073 |
| CARE - New Explore | CARE GOLD | 100000 USD | No | ₹1,131 |
| INDUSIND | INDUSIND - SILVER | 100000 USD | Yes | ₹1,137 |
| BAJAJ | BAJAJ ACE STANDARD | 50000 USD | Yes | ₹1,169 |
| CARE - New Explore | CARE GOLD | 100000 USD | Yes | ₹1,201 |
What actually moves the price here
Cover runs from 50000 USD at ₹908 up to 1000000 USD at ₹2,585. Multiplying the sum insured by 20× costs 185% more — which is why the lowest cover is rarely the best value.
The cheapest plan without a sub-limit (₹908) is no dearer than the cheapest with one — at this combination there is no reason to accept per-item caps.
Pre-existing disease cover starts at ₹908 against ₹1,012 without — a ₹104 difference. PED cover is fixed by the insurer, not an add-on you tick.
BAJAJ is cheapest here at ₹908; ICICI LOMBARD's entry price is ₹1,709, 88% higher. Rankings move with age and duration, so the cheapest insurer for this trip is not the cheapest for every trip.
Every insurer that quotes a 35-year-old for this trip
Entry price per insurer. Which of the five appear at all depends on age — the older the traveller, the shorter this list.
| Insurer | Plans | PED | From |
|---|---|---|---|
| BAJAJ | 15 | Yes | ₹908 |
| CARE - New Explore | 18 | Yes | ₹1,012 |
| INDUSIND | 4 | Yes | ₹1,027 |
| TATA AIG | 6 | Yes | ₹1,305 |
| ICICI LOMBARD | 8 | Yes | ₹1,709 |
How the price moves with trip length
Your 30-day trip is priced identically to a 35-day one — insurers charge by day band, not by night. You have 5 days of slack at no extra cost, and the price only moves at day 36, where it becomes ₹1,050 (16% more).
Only the days where the price actually steps up are listed — between two steps the premium is flat.
| Price steps up at | From | Per day |
|---|---|---|
| 5 days | ₹361 | ₹72 |
| 6 days | ₹339 | ₹57 |
| 7 days | ₹423 | ₹60 |
| 8 days | ₹466 | ₹58 |
| 9 days | ₹483 | ₹54 |
| 10 days | ₹533 | ₹53 |
| 11 days | ₹582 | ₹53 |
| 12 days | ₹613 | ₹51 |
| 13 days | ₹614 | ₹47 |
| 15 days | ₹647 | ₹43 |
| 22 days | ₹726 | ₹33 |
| 29 days | ₹908 | ₹31 |
| 36 days | ₹1,050 | ₹29 |
| 48 days | ₹1,231 | ₹26 |
| 61 days | ₹1,515 | ₹25 |
| 76 days | ₹1,816 | ₹24 |
| 91 days | ₹2,314 | ₹25 |
| 121 days | ₹2,625 | ₹22 |
| 151 days | ₹3,337 | ₹22 |
How the price moves with age
This price holds for ages 0–40. The next band, 41–50, starts at ₹1,050 — 16% more for the identical trip. Age is priced in steps, not smoothly, so a birthday either side of 41 changes the premium more than any other single choice.
0–40
₹908
41–50
₹1,050
41–55
₹1,574
51–60
₹1,050
56–60
₹1,574
61–70
₹2,058
71–75
₹3,591
76–80
₹4,231
81–85
₹6,482
86–90
₹7,346
90–200
₹7,346
Worth knowing about Worldwide (excl. USA)
Excluding the USA and Canada is what makes this the cheaper worldwide option. Check the wording covers layovers: a technical stop or a change of planes on US soil is treated differently by different insurers, and a connection through the US can sit outside the policy.
Common questions
- How much is travel insurance for a 35-year-old going worldwide excluding USA & Canada for 30 days?
- Between ₹908 and ₹4,776, with a median of ₹1,661 across 51 plans from 5 insurers. The spread reflects sum insured and whether the plan carries sub-limits, not just the insurer.
- Which insurers cover a 35-year-old for this trip?
- BAJAJ, CARE - New Explore, ICICI LOMBARD, INDUSIND, TATA AIG. Not every insurer quotes at every age — the older the traveller, the fewer will.
- Can a 35-year-old get pre-existing disease cover for this trip?
- Yes — 42 of the 51 plans include it. PED cover is fixed by the insurer, not chosen, so check it per plan rather than assuming.
- What does travel insurance cost per day for this trip?
- About ₹30 a day at the cheapest plan, over 30 days. Per-day cost falls as the trip lengthens — insurers price in day bands, not per night, so the last few days of a band are effectively free.
- Does the premium change much at 35?
- This price holds for ages 0–40. The next band, 41–50, starts at ₹1,050 — 16% more for the identical trip. Age is priced in steps, not smoothly, so a birthday either side of 41 changes the premium more than any other single choice.
- Can I extend a 30-day trip without paying more?
- Your 30-day trip is priced identically to a 35-day one — insurers charge by day band, not by night. You have 5 days of slack at no extra cost, and the price only moves at day 36, where it becomes ₹1,050 (16% more).
- Should I pay more to remove the sub-limit?
- The cheapest plan without a sub-limit (₹908) is no dearer than the cheapest with one — at this combination there is no reason to accept per-item caps.
Compare other combinations
See all 51 plans for your dates
These are the cheapest eight. Run the advisor with your actual travel dates for the full list, with PED and sub-limit on every row.
Compare plans