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Travelling is one of those things we all look forward to, no matter where we plan to take off. From sandy beaches and snow-covered mountains to the hilly greens and bustling cities; the world is our platter and the very act of traveling- our chance to experience at least one portion of it.
Comprehensive Travel insurance covers cost, losses, and other predefined expenses associated with travelling. It insures the policy holders from different types of losses they might face during their travel.
It covers a range of services like baggage/passport loss, flight delays, flight cancellations, medical expenses, etc. Your travel insurance is a document that acts as a safety net every time you travel.
Digit’s International Travel Insurance is designed to accompany you on all your travels; to help you travel smarter and safer.
From unpredictable flight delays and missed connections to loss of belongings, medical emergencies and adventure sport ouches, we cover for you so that nothing takes away your peace of mind.
After all, traveling is meant to help you rejuvenate and relax and our comprehensive travel insurance policy online is customized to ensure you can experience just that. The flexibility of our policy allows us to cater to your needs.
So, whether you accidentally hurt yourself while bungee jumping, get scammed only to lose out on your wallet and passport or get into a legal issue for damaging your car rental abroad; your securing your trip with an overseas travel insurance will ensure you’ll be covered through it all.
The best part? You need not go through long and cumbersome processes to get your compensation or claims settled. Everything from buying a travel insurance online to making a claim is super simple and can be done digitally, within minutes!
If that’s a question you’ve been battling with, read on.
This plan offers coverage for the most common mishaps that can be encountered on an international trip.
This plan not only covers you for the most common mishaps on your trip but also comes with an extra layer of protection that keeps you protected from each hiccup, so your trip goes just how it should!
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Medical Covers |
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Medical Treatment And Evacuation Exigencies If you fall ill during your trip and require medical treatment, resulting in hospitalization in order to save your life or to give you immediate relief from an acute pain, we will cover for the reasonable and customary charges you incur up to the Sum Insured as shown on your policy schedule for - Treatment, Associated Expenses, Medical Evacuation, Out Patient Cover (OPD), Repatriation. |
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Accidental Treatment And Evacuation Exigencies If you are accidentally injured during your trip and require medical treatment, resulting in hospitalisation in order to save life or to give you immediate relief from an acute pain, we will cover for the reasonable and customary charges you incur up to the Sum Insured as shown on your policy schedule for - Treatment, Associated Expenses, Medical Evacuation, Out Patient Cover (OPD), Repatriation. |
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Personal Accident We will pay you, up to the limits shown on your policy schedule, if you suffer an accidental bodily injury during your trip which requires urgent and immediate medical attention that leads solely, directly and independently to you Death, Permanent Total Disability, Permament Partial Disability. |
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Accidental Death And Disability Cover (Common Carrier) We will pay you, up to the limits shown on your policy schedule, if you suffer an accidental bodily injury during your trip while riding as a fare paying passenger in or on a common carrier or boarding or alighting from a common carrier which requires urgent and immediate medical attention that leads solely, directly and independently to your Death, Permanent Total Disability, Permanent Partial Disability. |
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Dental Treatment If you encounter acute pain or meet with an accidental injury to your natural teeth on the trip, resulting in dental treatment provided by a medical practitioner qualified in practicing dentistry and/or dental surgery amounts mentioned in the Policy Schedule, we will cover for the reasonable and customary charges you incur up to the limits shown on your policy schedule |
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Daily Cash Allowance If you are hospitalized in a hospital as an in-patient for more than the 24 hours due to an accidental injury or for an emergency medical treatment, we will pay you the daily benefit Upto a maximum number of days as stated in the policy schedule. This cover will be extended for a maximum of 5 days. |
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Sub-Limits* Sub limits are applicable for 'Medical Treatment And Evacuation Exigencies' and 'Accidental Treatment And Evacuation Exigencies' coverages as mentioned in the Policy Schedule. This means that if your claim amount for these coverages exceed the sub-limit mentioned in the Policy Schedule, you will be expected to pay the balance amount from your own pocket. This is only applicable for members above 55 years of age. Sub-Limits*
*These will be applicable for members above 55 years. |
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Maternity And Baby Cover We will cover Medical Expenses incurred in respect of the Insured Person for hospitalization for the delivery and vaccination of the newborn baby. |
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Waiver of PED |
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Smooth Transit Covers |
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Total Loss Of Checked-In Baggage If Your checked-in baggage is lost permanently at the final destination of your journey or en·route involving multi destination within the airport premises while in custody of common carrier, then We will pay the pro-rata Sum Insured as mentioned in the Policy Schedule against this Cover. |
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Delay Of Checked-In Baggage If your checked-in Baggage is temporarily lost during the trip and you are without it for more than the duration specified in the policy schedule from the expected time of delivery by the common carrier, we will pay the Sum Insured shown on your policy schedule for replacement of essential items. |
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Missed Connection We will pay for reasonable extra accommodation and travel costs you must pay to reach the next destination shown on your ticket/itinerary if, you missed a pre-booked onward connection as a direct result of the scheduled common carrier (on which you were booked to travel) not running on its published timetable due to reasons mentioned in policy wordings. |
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Trip Cancellation If the Insured Person’s outward journey as a fare paying passenger from the Country of Residence to an international Place of Destination on a Common Carrier is cancelled before the commencement of the Period of Insurance due to any of the reasons specified herein below, then the Company will indemnify on a reimbursement basis, up to the amount specified against this Benefit in the Policy Schedule, for planned travel and accommodation expenses (including excursions and planned events) that the Insured incurred and cannot recover and for which no value can be derived without knowledge of the likelihood of cancellation due to reasons mentioned in Policy Wordings. |
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Trip Abandonment If you have to unavoidably abandon your trip and return home early or partially abandon part of your scheduled trip, we will pay up to the limits shown on your schedule for
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Trip Extension We will reimburse you up to the Sum Insured shown in your schedule in the unexpected event of your departure being delayed than the original scheduled departure date of your return journey either at the port of destination or at any other intermediate ports forming part of the trip within the period of coverage for the below expenses:
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Common Carrier Delay We will pay the Sum Insured if your common carrier’s actual departure time is delayed by more than the time duration (as specified in Policy Schedule). It will be paid for each block of time excess as agreed upto the limit shown in Policy Schedule from the scheduled departure time, for any of the reasons in the Policy Schedule. |
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Hijack Distress Allowance We will pay you a distress allowance upto the limit shown in your Policy Schedule for each 24 consecutive hours period during which any Common Carrier in which You are traveling has been Hijacked, where as a direct consequence, your trip has been disrupted up to a maximum amount stated in the Policy Schedule. This need to confirmed and declared by government and or any respective common carrier authority. |
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Other Coverages |
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All Risk Cancellation Charges We will cover your non-refundable pre-paid or contracted to be paid portion of the booking amount up to the limits shown in your policy schedule; when you have to cancel the booked tickets in the unexpected or unforeseen event beyond your control. |
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Loss Of Passport, Driving License And Temporary Permit We will pay/reimburse the following expenses up to the limits shown on your policy schedule if your passport or visa or Valid Driving License or Temporary Permit is lost, stolen or damaged while you are outside of Country of Residence and this would prevent you from leaving the country or continuing your trip. |
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Bounced Booking for Accommodation
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Bounced Booking for Common Carrier If insured opt for this cover, we will reimburse you up to the Sum Insured shown in your policy schedule in the unexpected event of Common Carrier unable to honor your confirmed bookings (pre·paid or contracted to pay) due to overbooking or any other reason beyond your control for the following: The difference of cost of original common carrier fare amount and reasonable new common carrier fare amount of same class booking where the cost of booking is not more that 10% cost of original booking, less any refund/compensation given by the Common Carrier |
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Compassionate Visit We will reimburse the cost of visit of one of your Immediate family member/ Friend/Relative, to the city where you are hospitalized up to the limits shown in your policy schedule in the unexpected event of you being hospitalized within the period of coverage, for the below expenses:
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Loss Of Baggage And Personal Belongings We will Indemnify you for the loss or damage of baggage/personal belongings (whilst they are accompanying you) within the period of coverage due to Theft, larceny, robbery or hold up. The liability of the Company in any one Policy Period shall in no case exceed the Sum Insured or limit of liability as shown in the Schedule for any one loss subject to deductible and depreciation table and conditions mentioned in the policy wordings. |
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Personal Liability & Bail Bond We will indemnify you up to the limits shown in your policy schedule for: A) Any money that you legally have to pay to any third party in your private capacity that relates to an accident occurring during your trip anytime during the Policy Period for which claims shall be made on You by the third parties during Policy Period or within 60 days from the Policy Period end date, due to negligence on your part which causes:
B) We will also pay legal costs and expenses incurred by you in relation to the accident. You must obtain our consent in writing before incurring any cost or expense C) Any Bail bond you may have to furnish in the court of law for your immediate release before the hearing date |
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Home Building And Contents We will reimburse up to the Sum Insured shown in your Policy Schedule for the actual loss/and or damage to the building and/or Contents of Your residence located at the address mentioned in the Policy Schedule or reinstate or replace such property or any part thereof within the period of coverage, for the reasons listed in the policy wordings. |
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Emergency Cash Assistance Service In this cover We will only provide an assistance service when You require emergency cash flow following incidents like theft/burglary of luggage/money or hold up. We ourselves or through our Claims Administrator shall co·ordinate with Your relatives in your Country of Residence to provide emergency cash to You or collect the amount & arrange for the transfers up to the limit specified in the Policy Schedule. |
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Financial Emergency Cash If you have suffered a financial emergency due to the theft, pilferage, robbery or dacoity of your Money in your personal custody whilst on a trip and are consequently left without any travel funds (including cash, travellers cheque, debit or credit card), then we will pay up to the amount stated in the Policy Schedule to replace the amount of travel funds lost, provided that the loss is reported to the police of the foreign country within 24 hours of loss and a written police report confirming the occurrence of loss and same has been submitted to Us. |
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Golfer’s Hole In One Subject to all other terms and conditions, it is hereby agreed that the insurer shall pay the Sum Insured shown in the Policy Schedule for celebration of achieving a hole·in·one in a United States Golfers’ Association (USGA) recognized golf course, anywhere in the world excluding India. |
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Fraudulent Charges Cover During the trip, if your payment card as specified in the policy schedule is lost or stolen, We will reimburse the unauthorized charges that you are responsible for on your lost or stolen payment card, up to 12 hours prior to your first reporting the event to your payment card issuer(s). |
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Extended Pet Stay We will reimburse you against expenses incurred for extended stay of Your pet in the pet house in Country of Residence as a result of Your final booked return journey to Country of Residence is delayed for more than 24 hrs due to reasons listed in Policy Wordings. |
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Hazardous or Adventure Sports By selecting this Cover, participation in Hazardous Activities will be included in the cover that you have opted for (all or any of the following), provided you participate in a non·professional capacity and under the supervision of a trained professional:
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Escort Of Minor Child We will reimburse the following expenses arising out of visit of one of your immediate family member/Relative/Friend to escort any accompanying minor child (maximum two), to the city where you are hospitalized up to the limits shown in your policy schedule in the unexpected event of you being hospitalized within the period of coverage, for the below expenses:
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Upgradation To Business Class We will reimburse, up to the sum insured mentioned in the Policy Schedule, the reasonable expenses incurred in respect of the Insured Person’s upgradation to a business class air ticket by the most direct route from the place of hospitalization of the Insured Person to the Country of Residence. |
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Study Interruption We will reimburse you up to the Sum Insured shown in your policy schedule in the unexpected event of discontinuance of your planned studies for the remaining part of the ongoing semester within the period of coverage for the below expenses:
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Accident Of The Sponsor We will cover you up to the limits shown in your policy schedule in the unexpected event of your sponsor (as named in policy schedule) meeting with an accident resulting in his/her death or permanent total disablement during planned studies for the remaining part of the enrolled full-time course within the period of coverage for the below expenses:
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Inter-Collegiate Sports Cover In this cover we will extend the coverage provide under Sections “Section 1 - Medical Treatment and Evacuation Exigencies” or ‘Section 2 - Accidental Treatment and Evacuation Exigencies” to include Intercollegiate sports injury, sustained during the Policy Period. |
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Home to Home Cover |
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Hazardous or Adventure Sports |
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Coverage at Home Country |
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Coverage option suggested above is only indicative and is based on market study and experience. You may opt for any additional coverages as per your requirement. Please call us at 1800-258-5956 in case you want to opt for any other coverages or wish to know further details.
While ours is a comprehensive travel insurance that covers most things that could go wrong on vacation, we are completely open in all that we do. Understanding what your travel insurance does not cover is just as critical as knowing what is covered. The following are some exclusions that our travel insurance will not cover:
On the Digit app or website, select the geography/country, number of travellers and date of birth, and click ‘View Prices.’
Select the plan, sum insured, and click ‘Continue.’
Next, fill in your personal and nominee details, complete health declaration, click ‘Pay Now’ and complete the payment.
You’re done! The policy document will be sent to you via email, SMS, and WhatsApp. You can also access it 24/7 on the Digit App.
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Key Features |
Digit Benefit |
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Premium |
Starting from ₹395 |
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Claim Process |
Smartphone-enabled process. No paperwork involved. |
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Claim Settlement |
24x7 Missed Call Facility Available |
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Countries Covered |
150+ Countries & Islands Across the World |
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Flight Delay Benefit |
₹500-1000 automatically transferred to you on Flight Delays of 6 or more hours |
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Covers Available |
Trip Cancellation, Medical Cover, Flight Delay, Delay of Checked-in Baggage, Loss of Passport, Daily Emergency Cash, etc. |
After you buy our international travel insurance plan, you live tension free as we have a 3-step, completely digital claims process!
Give us a call at 1800-258-5956 (if in India) or drop a missed call at +91-7799022308 & we’ll call back in 10 mins.
Upload the required documents & your bank account details, on the link sent.
We’ll take care of the rest!
When we say we’re making insurance simple, we truly mean it! We understand the kind of time and money you’ve already probably spent on your journey. That’s why we’ve kept all our claim processes super simple, paperless and quick!
We understand that calling from an international destination is not always possible. That’s why we've introduced a Missed Call Facility. All you need to do is leave us a missed call on +917799022308 and we’ll call you back within just 10 minutes! However, please ensure you call from a mobile no. and not a landline. You can also mail us at travelclaims@godigit.com.
Our claim process for flight delays is advanced. If your flight is delayed for more than 6 hours, you’ll automatically receive an SMS from us. All you need to do is send us a picture of your boarding pass and bank details, and you’ll receive your monetary compensation in a jiffy!
We believe in keeping everything digital. That’s why, there’s no need for hardcopy for proofs. A simple upload works for us!
Before you begin your journey, feel free to call us at 1800-258-5956 or email us at hello@godigit.com and we’ll always be here for you.
It’s important to thoroughly go through your policy document to be educated about your insurance policy. After all, you bought this policy to secure yourself during uncertain times.
Digit is all about simplifying insurance so much that even a 5-year-old understands complicated terms!
Since our travel insurance policy is a comprehensive one, we’ve simplified few difficult terms that are mentioned in your policy document below:
In the event of misrepresentation, misdescription or non-disclosure of any necessary facts, your policy will become void/invalid, and all the premium paid will be forfeited to the company.
Cashless facility is a convenient mode of payment for your medical treatment costs, where the pre-authorized payments are done directly to the network provider/hospital/ASP by your insurer (us).
Medically necessary treatment is any treatment, tests, medications, or hospital stays that is required for the management, care or treatment of any illness/injury sustained by the insured (you).
This is a specific set of days (15 days from the date of receipt of the first policy document) where you can review the terms and conditions of your policy and decide if you want to cancel or continue with your policy. Free Look Period is not applicable for renewed policies and policies with policy period of less than one year.
A common carrier refers to any commercial, public airline, railway, motor transport, or water-borne vessel operating for to transport passengers and/or cargo. Your insurance policy offers compensation in case of common carrier delay. For example, if you have to catch your scheduled flight but learn that it is delayed by 3 hours, then you can file a claim under common carrier delay cover provided the time excess stated in the policy schedule is less than 3 hours. This amount is specified in your policy subject to certain terms and conditions such as delay due to weather, strikes, equipment failure, etc.
Pre-existing diseases are those illnesses or ailments you have before you start a new health plan (in this case, a comprehensive travel plan). Diabetes, cancer, asthma, high blood pressure, etc., could be examples of pre-existing diseases (PED). A waiver of PED means that your insurance policy will cover you for emergency treatment related to your pre-existing diseases if you opt for the PED Cover.
Personal liability refers to property or bodily damages or injuries to a third-party, accidently, where you are held legally responsible. Bail Bond is a document stating that a specific amount has been paid to allow a person, accused of a crime, to remain free until trial. It is a surety bond (money or property) offered or deposited by a defendant to be released from custody. If you’ve travelled abroad and find yourself in something of a pickle and are wondering how to handle legal issues when in a foreign country, then these covers offer benefits that protects you from heavy debts in case of lawsuits.
If you’ve ever found yourself in a foreign country and your wallet is stolen, you might be short on cash or lost all financial sources. In such cases, your insurance company can provide you with cash in emergency situations. Getting travel insurance that provides financial emergency cash is a smart choice because you never know when petty crimes like pickpocketing and thefts could occur to you.
Understanding our policy document is important, that’s why we’ve also simplified some of our coverages to help you get a better understanding of them. You can read about our coverages here.
I booked travel insurance for 3 people with Digit. I had confusion about the policy details, so I contacted customer care. First of all, getting in touch with their support is extremely easy. So that was great! Secondly, Ms. Sushma from the Customer Happiness team was prompt in escalating my query and coming back with a detailed response within 2 hours. She was very professional and quick. Thank you!
I am a travel agent, recently we are booked travel insurance for our client, the passenger baggage delayed on day 1.. after tour the passenger are submitted baggage delayed claim with proper document .. withing 8 days the passenger getting his claim in account... super fast after sale service.. 👍😃
Excellent service. Fast , reliable and customer friendly. I have two crew, both are insured with Go digit. Recently I had an accidental claim. I am fully satisfied with the process. Claim was digitally surveyed by Mr. Akash Tonde. He was very cooperative and understood the situation of accident and processed the claim. After this experience, just three days back I took my overseas travel insurance of my family for my Diwali tour to Europe.
A.K.A Advantages of Travel Insurance
The Well-Planned Traveller
Here are the top three things you should look for and compare, while buying a travel insurance online
When travelling, you need to have an insurance plan in hand. You’ve already read why it's important to secure yourself, now you’re wondering which plan do I pick?
There are different kinds of plans available depending on the purpose, duration and nature of your trip. Before selecting your plan, you should also keep the coverage and premium offers in mind.
Some types of travel insurance are:
An Individual travel insurance plan is suitable for those on a solo trip. Keeping in mind multiple things that can go wrong, it is important to be cautious especially on your own.
The Corporate travel insurance plan is offered to an employee who is travelling on a business trip. This plan is purchased by the firm or employer, to secure the safe travels of the employee.
If you’re a student wanting to go abroad on an educational basis, then this plan is for you. Designed keeping the needs of a student in mind, this student travel insurance plan offers beneficial covers at minimum expense.
This plan benefits the whole group of travellers for unforeseen expenses or losses incurred during the trip. A significant advantage of this plan is reduced costs than individual plans for each traveller.
Covering the immediate family members of the policy holder under a single plan, this type of international family travel insurance is designed for families that travel together.
Travelling above the age of 60 trails its own risks along. That’s why having a travel insurance for senior citizens in hand saves you from unexpected issues like medical expenses, unpredictable financial emergencies, etc.
Domestic travel insurance comes in handy when you are travelling within national boundaries.
Similarly, an international travel insurance is useful for international travel. In many countries, it is mandatory to have travel insurance with you while applying for your visa. This protects you from unforeseen expenditure.
A Schengen travel insurance is one that is applicable when travelling to the 26 Schengen countries. This plan secures you from financial losses. You can also avail many benefits as defined by the policy you opt for.
An annual or multi-trip travel insurance plan is suitable for year-round trips mostly undertaken by those in the corporate sector. If you travel often or more than once in a year, then this plan is suitable for you.
A single trip travel plan fits those who travel abroad occasionally.
An insurance premium is the cost of your insurance. It is the amount you, as a policyholder, must pay in order to be insured. A travel insurance premium is calculated depending on the age, duration, location, number of travellers, and add-ons you choose for your travel insurance plans.
The more covers required, the higher your premium amount will be. At Digit, we offer a premium starting at just Rs. 225 . If you’re looking to lower your premium amount, consider this:
Many policyholders are often oblivious to the covers of their packs and end up paying a much higher amount. To avoid this, you can customise your plan and choose only the essential covers like flight delay or missed connection, baggage/passport loss, medical covers, etc.
If you purchase your travel insurance plan earlier on, you are not only educated about your trip, but you can also make required changes depending on the future events. Some companies may offer discounts or other benefits to policyholders who purchase their insurance prior.
To lower your premium costs, you can avoid undertaking high-risk long duration activities or even travelling to destinations that prove to be high-risk. At Digit, we cover adventure activities such as scuba diving, bungee jumping, and skydiving but only if the duration is 1 day. We do not cover weeklong hikes, or professional adventure sports.
The premium amount also depends on the number of people you are travelling with. If you are going on a solo trip, consider choosing an individual plan. If you are going with a group, then a group plan proves better than single insurance plans for each individual.
Buying travel insurance only guarantees your safety during your trip. It is important to choose the right plan, which is flexible enough, has abundant benefits that fit your goals, and compare prices across platforms. You can then compare and choose what’s best for you.
No, a travel insurance isn’t mandatory for all countries internationally. However, it is recommended to get one as it not only protects you against unfortunate situations in a foreign land but, also strengthens your visa application in many situations.
It is compulsory in several countries, including ones in the Schengen region. Without one, you may not get an approved visa of the respective country.
Check out the list of countries where Travel Insurance is mandatory:
We all know how boring visa applications and processes can be. Luckily, there are at least a few countries over the world where Indians don’t need to go through the hassle of applying for one. Check the list of countries where Indian citizens travel visa-free or avail of Visa on arrival:
Every traveler has once wanted to visit at least one of the many Schengen Countries. So, whether you’re going for a complete Euro Rail tour or are planning to visit a country like Estonia, Finland or Portugal, you will need a Travel Insurance to get your Schengen Tourist Visa approved.
However, Schengen Travel Insurance has many more benefits apart from just getting your visa approved. It will help protect you from several unfortunate situations such as a flight delay, baggage loss or delay, loss of passport, missed flight connection, trip cancellation, medical emergencies, financial emergencies, etc.
Every traveler and their needs are different. However, no matter what kind of traveler you are there are some travel essentials you will need for every trip.
Here’s a quick list on the different things you will need to carry while traveling abroad.
From traveling solo and with your better half to traveling with a huge family or with babies, here’s our complete guide on travel essentials for it all.
Please try one more time!
Disclaimer -
Your policy is subjected to terms and conditions mentioned in your policy schedule and policy wording. Please go through the documents carefully.
The information mentioned here about the countries, visa fees and others is taken from different sources. Digit Insurance is not promoting or recommending anything here. Please verify the same before you book your tickets, apply for a visa, buy a travel policy or make any other decision.
Get Visa for Popular Countries from India
