Indian travellers are increasingly moving away from traditional tourist hubs and choosing unique, lesser-known destinations. This shift has driven a 45% rise in travel insurance purchases for adventurous and offbeat trips over the last 2–3 years, according to Policybazaar.
Emerging Travel Hotspots
Destinations such as Seychelles (115% YoY growth in 2025) and Vietnam (50% increase) are witnessing strong traction among Indian travellers. Other rising favourites include the Philippines, Sri Lanka, Kenya, and Fiji.
Despite the growth, offbeat destinations still account for only 11% of the overall travel insurance market, signalling significant untapped potential.
Young Travellers Driving the Trend
The trend is primarily led by the 25–35 age group, which makes up 44% of offbeat travel insurance purchases. Many opt for comprehensive policies worth ₹1 lakh or more, particularly for trips involving diving, trekking, safaris, and other high-risk activities.
Why Insurance Has Become Essential
Trips to these emerging destinations are usually shorter, averaging 18 days compared with 51 days for mainstream travel. Bookings are often last-minute, with insurance purchased closer to departure.
Travellers are prioritising:
- Medical emergency coverage
- Baggage loss protection
- Trip disruption safeguards
This has made comprehensive travel insurance a non-negotiable part of trip planning.
Seasonal and Post-Pandemic Shifts
Offbeat travel sees peak demand between October and March, coinciding with festive holidays and favourable weather.
Since the pandemic, there has been a 50%+ surge in insurance for offbeat trips, reflecting a long-term behavioural change. Travellers now place greater emphasis on safety, security, and unique experiences over conventional itineraries.
Summary
The growing appetite for offbeat travel has led to a 45% surge in travel insurance purchases, with young adults (25–35 years) driving the demand. Destinations like Seychelles, Vietnam, and Kenya are emerging as hotspots, though they still account for a small share of the market. With shorter trip durations, last-minute bookings, and adventurous activities, comprehensive travel insurance is becoming indispensable for Indian travellers seeking both safety and new experiences.
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