My HDFC Ergo Journey
Trip 1: Dubai (The Smooth One)
Coverage: Basic plan, ₹2,800 for 7 days What I needed: Flight delay compensation Experience: 6-hour delay, missed connecting flight. Claimed ₹8,500 for hotel and meals. Got paid in 15 days, zero drama. Verdict: Smooth sailing 
Trip 2: Spain (The Real Test)
Coverage: Comprehensive plan, ₹4,200 for 15 days What I needed: Medical emergency (food poisoning, hospitalized in Barcelona) The drama: Called helpline at 1 AM, panicking in broken Spanish Experience: Agent picked up in 2 rings, arranged cashless treatment within 3 hours. Hospital bill €2,400 (₹2.1 lakh), paid directly. Verdict: They came through when it mattered
Trip 3: Thailand (The Annoying One)
Coverage: Standard plan, ₹3,500 for 12 days What I needed: Baggage delay compensation The drama: Luggage delayed 2 days, needed essentials Experience: Claimed ₹6,500 for clothes/toiletries. Took 3 follow-up calls and 18 days to settle. Frustrating but eventually paid. Verdict: Got there but with unnecessary hassle
My Final Honest Recommendation
For finance folks: HDFC Ergo is a solid B+ choice. They’re the Honda Civic of travel insurance - reliable, not flashy, gets the job done.
Rating: 7/10
Would I use them again? Yes, but I’d also check ICICI Lombard for comparison.