Amarnath Yatra in Kashmir: Is your travel insurance ready for the trip?

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Arpita and Dheeraj Kapoor, Melbourne residents, are on Amarnath trip, the annual Hindu pilgrimage, which kicked off on 3 July this year. Credit: Background image: AAP/Supplied by Arpita Kapoor

Every year, many Indians Australians travel to India to take part in the Amarnath Yatra, the annual Hindu pilgrimage. This takes place in India-administered Kashmir — a region currently under a ‘Do Not Travel’ warning issued by the Australian government. In this podcast, we discuss whether travel insurance covers trips to such areas.


Every year thousands of people across the world embark on the Amarnath Yatra in the Kashmir Valley.

This year, among the travellers are Melbourne residents Arpita and Dheeraj Kapoor, who set off earlier this month on a deeply personal pilgrimage.
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Arpita and Dheeraj Kapoor, Melbourne residents, are on Amarnath trip. Credit: Supplied by Arpita Kapoor
“We left in a rush and didn’t take out travel insurance this time. Honestly, we didn’t realise what it meant to travel to a place the Australian government advises against,” Arpita told SBS Hindi over the phone from Amarnath.

The Australian government’s ‘Do Not Travel’ warning applies to the entire Jammu and Kashmir region — with no exceptions to the Amarnath Yatra.

To clarify the insurance implications, SBS Hindi reached out to multiple travel insurance providers — all of whom confirmed that travel to regions under a Level 4 advisory is not covered.

Tanvi Goel, a Brisbane-based travel agent, said travel insurance is optional but important for anyone going overseas, as it helps protect against unforeseen situations like lost baggage or medical emergencies.
India: Amarnath Yatra Underway From Pahalgam
First batch of pilgrims pose for picture as they leave for journey to the Amarnath cave on July 3, 2025 in Pahalgam, India. Source: SIPA USA / Hindustan Times/Hindustan Times/Sipa USA/AAP
"However, it may not cover travellers visiting ‘Do Not Travel’ zones. So, the best practice is to register your travel plans with the government — this lets them know you’re heading overseas. In Australia, you can do this through the Smarttraveller website."

The annual Amarnath Yatra kicked off on 3 July this year and is is set to conclude on 9 August.

The pilgrimage involves a trek to a cave temple situated in the southern Kashmir near Pahalgam town.

(Disclaimer: This information is intended as a general guide. For advice tailored to your situation, please consult a qualified professional.]

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