Travel Insurance

Travel comes with surprises—some good, some not-so-great. Travel insurance can turn your trip into a great one. It ensures you stay covered, stress-free, and financially secure. Here’s why it’s a must-have for every trip!

• Offers Reimbursement for Flight Delays- Flight delays are frustrating, but what if you got compensation every time it happened? With travel insurance, you do!
• Gives Compensation for Delayed or Lost Baggage- Baggage losses are horrible, no doubt, but so are baggage delays! If your bags arrive late or are lost, you’ll receive compensation.
• Provides Coverage for Medical Emergencies- Even a minor illness abroad can be shockingly expensive. Your insurance takes care of your hefty medical costs. 
• Ensures a Stress-free Road Trip- Travel insurance covers damage to your rental car and even third-party liabilities, so you can enjoy your road trip worry-free. 
• Assures Protection from Financial Losses Abroad- Missed flights, trip cancellations, or lost belongings can burn a hole in your wallet. A policy ensures you don’t have to bear these losses alone.

The best time to buy travel insurance is right after booking your international trip. This approach ensures coverage for the entire duration of your journey, including potential issues that may arise before departure, such as flight delays or cancellations.

Many travellers delay buying insurance thinking they can do it later, but the longer you wait, the more vulnerable you are to losing money or facing complications due to uncovered risks.

Here are some key reasons why early purchase is highly recommended:

• Covers Pre-Trip Disruptions – From flight cancellations and delays to personal emergencies, travel insurance can cover non-refundable expenses even before your trip begins.
• Protects Against Dynamic Risks - As global travel becomes more unpredictable due to weather changes, health advisories, or strikes, early insurance offers a safety net for evolving travel conditions.
• Provides Peace of Mind – Having insurance from the start allows you to plan and prepare for your trip with confidence, knowing you're financially and medically protected.

Finding the right travel insurance is easy when you know what to check! Follow these steps to compare quotes like an expert.

• Check Medical Coverage: Medical costs are highly expensive abroad! Look at the medical benefits and sum insured, a.k.a. the amount of coverage, in your travel insurance plan to ensure you’re well-covered in case of emergencies. 
• Assess the Claim Process: A good insurance plan should have a quick and hassle-free claim process. Check how claims are settled, the insurer’s claim ratio, and whether they offer 24/7 support. 
• Check Terms & Choose Smartly: Go through the terms of claims to know exactly what’s covered. Once you’ve checked all factors, compare plans side by side and pick one that offers the best coverage, smooth claim support, and clear terms.

Getting a travel insurance quote on the Digit app or website is quick and hassle-free! Just follow these 4 simple steps:

• Enter Your Travel Details: Select your destination, travel dates, and the number of travellers.
• Enter Date of Birth: Provide the date of birth of each traveller on the next tab.
• Choose Your Coverage: Pick the sum insured and the plan with suitable features.
• View the Premium: Your premium is auto-calculated based on your selections.

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 travel insurance prices across platforms. You can then compare and choose what’s best for you.

When it came to travel insurance specifically, Digit showcased a high-efficiency Claims Settlement Ratio (CSR), with 100% of travel claims settled seamlessly and we make this simple with,

• Smartphone-enabled self-inspection process, with which you can file your claim in minutes!
• Everything digital and paperless. No need for hard copies, just upload everything on our app, and you're all set!

What started as an adventurous bike ride in Bali turned into a medical emergency for 27-year-old Guneet Kaur Dang. A serious fall led to a fractured femur, requiring urgent surgery and hospitalisation.

Fortunately, Guneet was covered under our Digit Travel Insurance, which included emergency accidental treatment and evacuation.

We stepped in fast and settled the claim of ₹11.51 lakh, ensuring she received timely care without any financial burden. This stands as our highest-ever travel insurance payout, proving once again that when things go wrong abroad, we step in fast and we step in big.

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: Can’t call internationally? Just drop a missed call at +91 77990 22308, and we’ll call you back within 10 minutes. Email us at travelclaims@godigit.com.
• Instant Claim Reminders for Flight Delays: Flight delayed by 6+ hours? We’ll remind you via SMS. Just share your boarding pass and bank details, and we’ll process your claim instantly!
• No Hard Copies Needed: We believe in keeping everything digital. That’s why there’s no need for hard copies for proofs. A simple upload works for us!
• Always Here to Help: 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.

Let’s face it. Claim rejections usually don’t happen out of nowhere. They’re often the result of misunderstanding coverage, missing paperwork, or small mistakes made in a hurry. That’s why we’ve designed everything at Digit to help you avoid those bumps altogether. Here’s how:

• Choose the Right Travel Insurance Cover: One-size-fits-all doesn’t work in travel insurance. You need a region-specific plan that fits your trip and follows local rules. At Digit, we make it easy with clear options, simple terms, and our “Digit Simplifies” section so you always know what you’re buying.
• Know the Exclusions & Coverage Limits: Claims often get rejected because people miss what's not covered. We keep things clear, no hidden terms, and our team is always ready to help you understand exclusions and limits upfront.
• Submit the Right Documents on Time: Late or missing documents are a common reason for claim rejection. Our AI-powered claims process helps sort paperwork instantly, and we tell you exactly what you need for every claim, no confusion, no delays.
• Be Transparent & Accurate: Always disclose pre-existing medical conditions and provide correct personal details when buying your policy. Misleading or missing information can void your coverage when you need it most.
• Stay Within Covered Limits: Not all activities or destinations are covered. Multi-day adventure sports and blacklisted regions can lead to rejections. At Digit, we cover single-day adventures and recommend checking your coverage scope before you go.
• Act Responsibly During Your Trip: Stick to pre-approved clinics for easy approvals. Avoid intoxication, take care of your belongings, and report any loss or emergency within 24 hours with proper documentation (like police or medical reports). These small actions can make or break your claim.

Why pay more when you can save smartly? Here are some quick hacks:

• Opt for a Higher Deductible – Choosing a higher deductible reduces your premium. Just make sure it’s manageable.
• Skip Unnecessary Add-ons – Love adventure sports? Great! But if you’re just sightseeing, why pay extra for adventure coverage?
• Buy Early – Last-minute policies can be expensive. Get insured as soon as you book your trip!
• Choose Multi-trip Insurance – Frequent traveller? An annual multi-trip plan costs less than multiple single-trip policies.
• Compare & Choose Wisely – Different insurers offer different rates. Always compare before buying!
• Check for Discounts – Student, senior citizen, or corporate traveler? You may qualify for special discounts!

Every traveller and their needs are different. However, no matter what kind of traveller you are, you will need some travel essentials for every trip.

Here’s a quick checklist to make your journey smooth!

• Passport – The most important document. No passport, no trip!
• International Adapters – Your Indian plugs won’t fit everywhere! Stay charged and connected.
• Basic Medications – Pack essentials like paracetamol, painkillers, and anti-allergy tablets.
• Skincare Must-Haves – Sunscreen for summer, moisturizer for winter—stay protected!
• Comfortable Shoes – Whether exploring cities or hiking, comfy shoes are a lifesaver.
• Travel Insurance – A must-have for medical emergencies, trip cancellations, and lost luggage.
• Camera or Phone – Capture those beautiful travel moments!

• Raincoat or Umbrella – A lifesaver in destinations with unpredictable weather like Europe or the UK.
• A Good Book – To keep you occupied during long flight hours and help you relax when you’re on a holiday!
• Jacket or Hoodie – Flights and evenings can get chilly—stay cozy!