Bajaj Allianz Travel Companion vs Travelex Travel Basic
Bajaj Allianz Travel Companion settles directly with US hospitals; with Travelex Travel Basic, the family typically pays first and claims back. On a $40k emergency-room bill that distinction is the entire experience. Below: every line that matters for a visiting parent.
Bajaj Allianz Travel Companion carries this one 7 to 4. The decisive lines are coverage limit and direct billing at hospitals; the consolation for Travelex Travel Basic is typical premium band and age eligibility.
Side-by-side: who wins what
| Feature | Bajaj Allianz Travel Companion | Travelex Travel Basic | Winner |
|---|---|---|---|
| Coverage limit | $100k | $50k | Bajaj Allianz Travel Companion |
| Lowest deductible | - | - | |
| Pre-existing condition cover | Acute-onset | Acute-onset | |
| Direct billing at hospitals | Yes | No | Bajaj Allianz Travel Companion |
| Hospital network size | Large | Large | |
| Typical premium band | ~$173 | ~$100 | Travelex Travel Basic |
| Avg claim settlement | 21 days | 28 days | Bajaj Allianz Travel Companion |
| Age eligibility | 1-70 | 0-79 | Travelex Travel Basic |
| COVID covered | Yes | Yes | |
| Emergency evacuation | $250k | $500k | Travelex Travel Basic |
| 24×7 support | Yes | Yes |
Where they're the same
- Neither plan treats COVID as an exclusion; it's covered up to the standard medical limit on both.
- Both Bajaj Allianz and Travelex keep a round-the-clock claims line, not just business hours.
- Neither plan is fixed-benefit; both reimburse real charges up to the medical limit, which is what you want for an unpredictable US bill.
- Both lean on a large US hospital network, so finding an in-network ER usually isn't the bottleneck.
Coverage cap may be low for serious illness
Lower medical caps; PED is acute-onset only.
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More comparisons for Bajaj Allianz Travel Companion
BackToIndia is independent — we don't sell Bajaj Allianz Travel Companion or Travelex Travel Basic and earn nothing from either Bajaj Allianz or Travelex. Plan data is reviewed by our editorial team in 2026; always confirm specifics against the official policy wording before purchase.