Travel Insurance Online

Instant Policy, No Medical Check-ups

International Travel Insurance Policy Online for your Overseas Travel

What is Travel Insurance?

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!

Do I Really Need Travel Insurance?

If that’s a question you’ve been battling with, read on. 

28 million baggage are reportedly mislaid by airlines every year. (1) 

1 in 4 passengers have lost their checked-in baggage in the last 3 years. (2)

Medical expenses cost 3 to 5 times more outside India. (3)

47% of baggage loss happen during international transfers. (4) 

Phones, Bank Cards, Licenses, Jewellery, Electronic Gadgets & Passports are the commonly lost belongings while travelling. (5)

There are roughly 20,000 delayed and cancelled flights every day. (6)

Trip cancellation, flight cancellations and delays have always been leading causes for travel claims. (7)

Travel scams are extremely common in tourist-heavy countries. (8)

What’s Great About Travel Insurance by Digit?

Adventure Sports Covered - Our adventure sports coverage includes activities such as scuba diving, bungee jumping & sky diving (provided the duration is one day) 

Immediate Monetary Compensation for Flight Delays - We don’t want to waste your time any further. That’s why, when your flight is delayed for more than 6 hours, we give you an immediate compensation of ₹500-1000.

Smartphone-enabled Processes - No paperwork, no running around. Just upload your documents when you make a claim.

Missed-call Facility - Give us a missed call and we’ll call you back in 10 minutes. No more international calling charges! 

Worldwide Support - We’ve partnered with the world’s largest health & travel insurance network Allianz, to support you seamlessly across the globe. T&C*

Travel Insurance Plans that Fit Your Needs

Double Secure This plan offers coverage for the most common mishaps that can be encountered on an international trip.
Double Secure Plus 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!

Double Secure Double Secure Plus

Medical Covers

 		× ✔

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.

 		× ✔

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.

 		× ✔

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.

 		× ✔

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.

 		× ✔

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

 		× ✔

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.

 		× ✔

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*

  • Hospital room rent (per day)
  • ICU (per day)
  • Surgery
  • Anesthesia
  • Physician Visit Fees (per visit)
  • Diagnostic and Radiology
  • Ambulance Service
  • Miscellaneous Expenses

*These will be applicable for members above 55 years.

 		× ✔

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.

 		× ✔

Waiver of PED

 		× ✔

Smooth Transit Covers

 		× ✔

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.

 		× ✔

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.

 		× ✔

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.

 		× ✔

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.

 		× ✔

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

  • Additional travel costs (in the same class as original booking) (if you cannot use your return ticket); and/or
  • Accommodation costs (of a similar standard you had booked for your trip); and/or
  • Unused accommodation costs that each insured person has paid and cannot get back (including excursions and planned events)

 		× ✔

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:

  • The actual additional expenses for lodging and boarding in the same class and type (as originally planned)
  • Difference in common carrier fare between original return ticket and new ticket of economy class for insured persons insured with us up to the limits mentioned in the policy schedule

 		× ✔

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.

 		× ✔

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.

 		× ✔

Other Coverages

 		× ✔

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.

 		× ✔

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.

 		× ✔

Bounced Booking for Accommodation

  • The difference of cost in alternate accommodation or upgradation to a same class where the cost of booking is not more than 10% cost of original booking (per night) for the same number of nights that were overbooked (in case similar alternate arrangement is not available on cost of original booking amount), less any refund/compensation given by the accommodation/Hotel.
  • Reasonable cost of transportation expenses to the alternative accommodation in the same city.

 		× ✔

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

 		× ✔

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:

  • Actual cost of economy class transportation by the most direct route via a common carrier of one member of your family / relative / friend from member’s city of residence to the port of insured’s hospitalization
  • Actual cost of lodging and boarding (accommodation of same class or lower class as of insured person) of the visiting member during the stay.

 		× ✔

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.

 		× ✔

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:

  • Death or physical injury to any person;
  • Loss or damage to property;
  • Loss or damage to temporary holiday accommodation which is not owned by you.

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

 		× ✔

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.

 		× ✔

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.

 		× ✔

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.

 		× ✔

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.

 		× ✔

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).

 		× ✔

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.

 		× ✔

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:

  • Personal accident
  • Medical Treatment and Evacuation Exigencies
  • Accidental Treatment and Evacuation Exigencies
  • Daily cash allowance
  • Dental treatment
  • Personal Liability and Bail Bond

 		× ✔

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:

  • The actual to and fro cost of the economy class common carrier ticket using the most direct route for a family member/relative/friend to escort the unattended minor children back to their country o f residence.
  • Actual cost of the economy class Common Carrier ticket using the most direct route for the Minor Children back to their city of residence less actual/possible refund of the scheduled return ticket of the Minor Children. Provided the hospitalization of Insured occurs not within 3 days of the completion of the trip.

 		× ✔

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.

 		× ✔

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:

  • The actual semester fees paid which cannot be refunded by the educational institution and you are not able to complete the semester
  • Booked common carrier tickets from the city of residence of the student to the country where educational institution is, provided interruption happens when the insured is at his own city of residence.
  • Return common carrier ticket back to insured’s city of residence, in case, interruption happens at the city of educational institution.

 		× ✔

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:

  • The unpaid tuition fees of your enrolled full·time study in a registered educational institution outside of your home country.
  • One time return economy class air·ticket between the city of residence of the student and the country where Educational Institution is to enable the student to be at his/her home in the time of need.

 		× ✔

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.

 		× ✔

Home to Home Cover

 		× ✔

Hazardous or Adventure Sports

 		× ✔

Coverage at Home Country

 		× ✔
Get Quote Get Quote

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.

What's Not Covered?

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:

  • We can't cover diseases or illnesses that have already been diagnosed, or if your doctor has already recommended no travelling.
  • Death or disability won’t be covered after 365 days of the accident that has caused it.
  • Adventure sports are covered if you’re doing it for the duration of one day. This doesn’t include week long treks, hikes or professional level adventure sports that go on for more than one day.
  • Flight delays aren’t covered if your airline already informed you about the same at least 6 hours in advance.
  • Delay of checked in luggage is not covered if the delay is due to customs.
  • Any missed connection where the time gap between scheduled arrival of incoming flight and scheduled departure of connecting flight was less than the time required.
  • Thefts aren’t covered for if you only make the required police complaint after getting back from your trip.
  • Thefts won’t be covered if the police of the respective aren't notified within 24 hours.
  • Trip extensions due to childbirth or related matters can’t be covered
  • Trip abandonments due to pre-existing illnesses or health conditions can’t be covered.
  • Trip cancellations due to rejection of visa is not covered.

How to Buy International Travel Insurance with Digit?

Step 1

On the Digit app or website, select the geography/country, number of travellers and date of birth, and click ‘View Prices.’

Step 2

Select the plan, sum insured, and click ‘Continue.’

Step 3

Next, fill in your personal and nominee details, complete health declaration, click ‘Pay Now’ and complete the payment.

Step 4

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.

Key Features of Travel Insurance by Digit

Key Features Digit Benefit
Premium Starting from ₹395
Claim Process Smartphone-enabled process. No paperwork involved.
Claim Settlement 24x7 Missed Call Facility Available
Countries Covered 150+ Countries & Islands Across the World
Flight Delay Benefit ₹500-1000 automatically transferred to you on Flight Delays of 6 or more hours
Covers Available Trip Cancellation, Medical Cover, Flight Delay, Delay of Checked-in Baggage, Loss of Passport, Daily Emergency Cash, etc.

How to File a Travel Insurance Claim with Digit?

After you buy our international travel insurance plan, you live tension free as we have a 3-step, completely digital claims process!

Step 1

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.

Step 2

Upload the required documents & your bank account details, on the link sent.

Step 3

We’ll take care of the rest!

Claims Made Simple with Digit’s Overseas Travel Insurance

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! 

Missed Call Facility

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.

Get a reminder for claims when your flight is delayed

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!

No hard copies needed

We believe in keeping everything digital. That’s why, there’s no need for hardcopy for proofs. A simple upload works for us! 

For any other assistance

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.

Know Your Travel Insurance Policy

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:

Disclosure to Information Norm

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

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

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).

Free Look Period

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.

Common Carrier Delay

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.

(Waiver) of Pre-Existing Diseases

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 and Bail Bond

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.

Financial Emergency Cash

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.

What Our Customers Have to Say About Us

Kunal D Mehta
★★★★★

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! 

Dharmesh Makwana
★★★★★

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.. 👍😃 

Pranav Shah
★★★★★

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.

Show all Reviews

Why Should You Buy Travel Insurance Policy?

A.K.A Advantages of Travel Insurance

Flat Rs 500 for Flight Delays

We all hate flight delays. But what if your travel insurance gives you Rs 500 to Rs 1,000 every time that happens? Well, Digit does exactly that. You can either save a few extra bucks or use it to grab a meal or your next favorite read at the airport. 

Monetary Compensation for Baggage Delays

Baggage losses are horrible no doubt, but so are baggage delays! That’s why, for the unfortunate times this happens to you, having a travel insurance will help you with a monetary compensation of $100 for your lost time! 

Protects you against Financial Losses Abroad

When we travel, most of us do so on a budget. This is where a travel insurance comes in use, as it protects you from any financial losses in the case of loss of belongings, missed flight connections, trip cancellations and other unfortunate situations you may come across on your journey!  

Has your back during medical emergencies!

Something as small and common as a stomach flu abroad can cost you thousands. However, securing your trip with an international travel insurance ensures you’ll be protected against medical emergencies both big and small. 

Stress-Free Road Trips

If you plan on taking a road trip abroad, a travel insurance will be so much more beneficial for you. Something not many people know is, that a travel insurance also covers you against any damages you happen to cause to your rented car or, worse any third-party damages. 

Protects you against loss of passport or money!

One of the most common losses travelers seem to face abroad is loss of their phones, credit and debit cards, money and even their passports! Luckily, having a travel insurance in place can give you some peace of mind as it will always cover and be there for you in such situations! 

Who Should Buy Travel Insurance Policy?

The Well-Planned Traveller

The Well-Planned Traveller

With plenty notes, checklists and well-made itineraries, you prefer journeys that are well thought of and planned. You don’t prefer uncertainty and you like a sense of control and security. If you fall into this category of travelers, then a travel insurance is almost compulsory for you. After all, what else will cover you for the unplanned?

The Impulsive Nomad

You are anything but well-planned! From packing your bags to booking your hotels and making a travel itinerary, you don’t have anything of it planned. Everything is last-minute. You’re a nomad by heart and you pretty much go with the flow. In this case, the least you should do is get a travel insurance so that your visa isn’t rejected last-minute, and all that unplanning doesn’t leave you cashless!  

The Clumsy Traveller

We all know someone who is pretty much like an Ouch Potato, or maybe you are one yourself! You’re almost sure you’re just unlucky. Somehow you always end up getting into trouble- no matter how careful you are. If you think you’re like an ouch potato yourself, then a travel insurance is the least you can do to ensure you’re not losing out on anything when you get into trouble! 

The Road Tripper

If you’re someone who often chooses to take the foreign land down by road, then a travel insurance is a must for you. This is because, a travel insurance won’t only secure you for common mishaps during your trip like a flight delay or baggage loss but, will also be there for you in case you happen to damage your car, or worse- someone else’s car of property! 

The Thrill-Seeker

You live for adventures. Scuba Diving, Snorkeling, Bungee Jumping, Trekking, River Rafting, Sky Diving etc. You want to do it all and that’s probably why travelling even excites you so much. Luckily, our travel insurance also covers adventure activities (only one day activities are covered), so you’ll be covered through it all! 😊 

The Budget Tripper

You’re pretty much like all millennial travelers today. You love to travel, and you do so on a budget. Contrary to popular belief, a travel insurance is extremely reasonable- one that can fit in your budget and save you from any unpredictable losses during your journey! 

How to Compare Travel Insurance Quotes Online?

Here are the top three things you should look for and compare, while buying a travel insurance online

Medical Benefits & Sum Insured

Medical expenses are the most expensive in some countries. Therefore, it’s important that you specifically check for the medical benefits and sum insured a.k.a amount of coverage you can get in your travel insurance plan.

Claim Processes

Claims are the whole point of getting an insurance. Therefore, check for claim settlement processes and the ratio so you can trust that, no matter what happens your travel insurer will always be there for you.

Terms of Claims

A lot of times, there are specific terms attached to claims. Therefore, always check for this so you’re aware of what you can claim for. 

Types of Travel Insurance

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:

Individual Travel Insurance

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. 

Corporate Travel Insurance

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.

Student Travel Insurance

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.

Group Travel Insurance

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.

Family Travel Insurance

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.

Senior Citizen Travel Insurance

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

Domestic travel insurance comes in handy when you are travelling within national boundaries.

International Travel Insurance

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.

Schengen Travel Insurance

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.

Annual or Multi-trip Travel Insurance

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.

Single trip Travel Insurance

A single trip travel plan fits those who travel abroad occasionally.

Factors Affecting Travel Insurance Premium and How to Reduce?

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:

Choose covers that are essential to you

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. 

Be an early bird

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.

Avoid high-risk activities

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. 

Number of travellers

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. 

Do your research

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.

Is Travel Insurance Mandatory for International Travel?

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:

List of Countries Where Indians Don’t Need a Visa/Get a Visa on Arrival

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:


  • Asia     - Thailand, Bhutan, Cambodia, Maldives, Macau, Indonesia, Iraq, Nepal, Laos, Jordan, Timor Leste
  • Africa - Mauritius, Seychelles, Togo, Ethiopia, Madagascar, Uganda, Kenya, Tanzania, Mozambique, Guinea-Bissau, Cape Verde, Comoro Islands
  • South America - Ecuador, Dominica, Bolivia, Guyana
  • North America - British Virgin Islands, Haiti, Jamaica, Grenada, Montserrat, St Lucia, St. Kitts & Nevis, St Vincent & the Grenadines, Trinidad & Tobago, Nicaragua, Turks & Caicos
  • Oceania - Cook Islands, El Salvador, Vanuatu, Tuvalu, Palau, Nieu, Samoa, Fiji, Micronesia.

Travel Insurance for Schengen Countries

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.

Things to carry when you’re traveling abroad

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.

  • Passport (Of course!)
  • International Adapters (You don’t want to be stuck with no charge, when you realize your Indian plugs don’t get in them sockets!)
  • Basic medications (Paracetamol, Pain-Killers, Anti-Allergy Tablets) 
  • Sunscreen if you’re traveling in summer, moisturizer if you’re traveling during winters
  • Comfortable shoes (You never know when you need to hike up somewhere!)
  • A Forex Card so you don’t face any financial challenges. 
  • Travel Insurance, so you’re protected throughout your journey!
  • Your camera! (To capture all those memories) 
  • A raincoat or umbrella if you’re traveling to a place with unpredictable weather! (Europe and the UK are famous for this!) 
  • A book of your choice (To keep you occupied during long flight hours and, well to help you relax when you’re on a holiday!)
  • A comfortable jacket or hoodie to keep handy for your flight or when you’re out and about in the city

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. 

Precautions to Remember Before Traveling Abroad

Avoid taking your passport everywhere. It’s better to instead leave it in your hotel locker and instead carry a copy of the same for your ID purposes.

Don’t carry too much cash around and while withdrawing cash from the ATM, always check your surroundings and check your notes too after your money is withdrawn. 

Don’t fall for petty travel scams such as fake monks asking for donations, overcharging cab drivers, fake tour guides, etc. To learn more about travel scams in different places and how you can stay safe from such situations, check out our in-house Ouch Potato.

Always keep your cash in more than one place. For example; you can carry some cash in your wallet, while some of it can safely be kept in an inside pocket of your backpack.

Remember the location of your accommodation well and, always use cabs that go by meter or else you’re likely to be scammed by them!  

FAQs Related to Buying International Travel Insurance

Is international travel insurance required for visa?

Not all countries mandate overseas travel insurance for visa purposes. But it is an important thing all travellers must have before they leave for their trip.

Is it necessary to buy overseas travel insurance?

Some countries mandate it under their visa documents but even if they do not, all travellers must have a travel insurance. This is because when you are in a foreign land, you may need financial and procedural support in case of difficult situations like an accident, hospitalization, loss of passport or even while travelling like missing your connecting flight, your checked-in baggage getting delayed or in case of emergencies like a death in the family back home due to which your trip needs to be cut short etc... And to be honest, the list of things that can go wrong is quite long but we know you're wise enough to think about all of that and make the right decision related to your and your family's well-being.

Can I buy overseas travel insurance after booking my tickets?

Yes, you can. But make sure to buy it before the date of your departure.

Is it a good idea to buy international travel insurance online?

Yes, buying international travel insurance online is quick and easy. All you need to do is just enter your travel details and make the payment. The policy will be in your inbox within a few minutes.

What to look for when buying international travel insurance online?

If you are buying travel insurance online, you should check the quote for your travel duration, travel insurance coverage, claim settlement ratio and ease of contacting customer care.

Can I buy travel insurance after departure from India?

No, you cannot buy travel insurance after the commencement of your trip. You should buy your travel insurance prior to your departure to secure your trip.

Do Indians need Travel Insurance for Schengen Countries?

Yes, if you are travelling to any of the 26 Schengen Countries, it is mandatory to have travel insurance. Not only is it necessary for your visa application, but travel insurance also comes into effect for medical emergencies and travel-related emergencies like baggage or passport loss, flight delays, trip cancellations etc.

When does the travel insurance coverage start and end?

There are some coverages that start before the start of your trip, like the Trip Cancellation and Common Carrier Delay. The rest start after the onset of your trip till you come back.

Does International Travel Insurance cover missed flights?

Yes, if you take the Comfort option in our Digit On The Move International Travel Insurance Plan.

Does International Travel Insurance cover Trip cancellations?

Yes, if you take the Comfort option in our Digit On The Move International Travel Insurance Plan.

Does International Travel Insurance cover Hotel Booking Cancellations?

Yes, if you take the Comfort option in our Digit On The Move International Travel Insurance Plan and have to claim for Trip Cancellation, we do cover the non-refundable part of your booking.

What are the Eligibility criteria to get an international travel insurance?

You should be below 60 years old. And if you are below 18 years old, then you should be travelling with someone above 18 years old. This is the criteria as of now for Digit's On The Move Travel Insurance policy. It may be different for different companies.

Are any medical examinations required before buying travel insurance?

No but if you have any Pre-existing disease or condition, please declare it when you buy the policy by emailing us or calling us.

How is the travel insurance premium calculated?

The premium for international travel is calculated basis of the number of travellers, the age of the travellers, the destination, the duration of the trip and the plan you choose.

What is the document provided as proof of travel insurance?

A travel schedule should be enough. But we would advise you to also keep your main policy terms & conditions and summary handy for your own reference. To read about the policy in detail, please click here

I bought international travel insurance online through the Digit website. How do I contact customer care from a foreign country in case of a claim?

In case of any claim, give us a call at 1800-258-5956 (if in India).

What should I do if my Travel Insurance claim is rejected?

The first thing you need to do when your claim is rejected is, thoroughly examine the details of your policy. Next, you need to file an appeal. You will receive notifications or a letter of denial which includes an ‘Explanation of Benefits’ with a reason for each transaction and rejection of the claim. You will be required to provide further documents and information to your insurance agency to rectify or understand the rejection of the claim.

Read more: How to Avoid Travel Insurance Claim Rejection

Does Digit’s International Travel Insurance cover Covid-19?

Yes. When you purchase your travel insurance from Digit, you will be covered in the event of pandemics. For instance, in a quarantine situation, if you need to extend your policy, you can do so with automatic extensions for up to 10 days. Additionally, if you need to cancel or abandon your trip due to compulsory quarantine, trip cancellation and trip abandonment covers will be activated.

You can also avail of medical benefits with the Emergency Medical Treatment and Evacuation cover in case of hospitalization due to Covid-19.

If I am tested positive for Covid-19 and require home isolation, will my medical expenses be covered?

No, your medical expenses will not be covered under home isolation. If however, you require hospitalization or emergency treatment, then you can file a claim or avail of our medical covers for the same. We’ll take care of your medical expenses in such situations.

Read more: How to Save Money if You fall sick during Your International Trip?

Does Travel Insurance cover a positive PCR test?

No, your travel insurance policy won’t cover a positive PCR test if it is detected before the start of your journey.