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If you’re a frequent international traveller, multi-trip travel insurance is for you!
You no longer need to buy a single travel insurance policy every time you set off on a trip within a year! Now, you can have Multi-Trip Travel Insurance – a one-time purchase covering unlimited international trips over twelve months.
Multi-trip travel insurance is like a season pass for all your travels overseas! It’s a smart, hassle-free way to stay protected no matter how many times you jet off. Plus, it saves you money and gives you peace of mind on every trip!
Digit has thoughtfully designed its annual trip travel insurance plans for frequent travellers, offering cost-effective rates, simple online procurement, and round-the-clock support.
So, why buy new insurance each time you travel when you can choose a plan that covers all your trips in one go? Find everything you need to know here.
Multi-trip travel insurance is an annual insurance policy that provides coverage for multiple short-term trips within a specified period, typically a year with just one-time purchase. This policy is tailored for frequent travellers who want comprehensive protection for each international trip.
With this type of travel insurance yearly plan, you are not required to buy a new travel insurance policy each time you go on a trip overseas.
For frequent Indian travellers, annual multi-trip travel insurance offers protection against risks like trip cancellation, flight delay, loss of luggage, medical emergencies, etc. with one comprehensive policy.
The annual multi-trip insurance, an all-in-one travel companion, is ideal for those who travel internationally frequently and want a convenient and cost-effective way to stay covered throughout the year. Here’s a closer look at who it’s truly made for:
With our Frequent Flyer Plan, you can travel worry-free with strategic insurance that covers multiple international trips in 365 days. Whether it’s a quick business trip or a spontaneous getaway, you’ll always be financially covered against any mishaps abroad!
Starting at ₹2,999 (excluding GST), this plan covers up to $500,000 for a 30-day trip for one adult.
With Frequent Flyer Plus, you get more than just insurance – you get ultimate coverage that not only protects you from common mishaps but also keeps pace with your dynamic lifestyle. Enjoy enhanced coverage for every trip, every time, with no compromise.
Starting at ₹3,299 (excluding GST), this plan covers up to $500,000 for a 30-day trip for one adult.
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Medical Covers |
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Medical Treatment And Evacuation Exigencies |
✔
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✔
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Accidental Treatment And Evacuation Exigencies |
✔
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✔
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Personal Accident |
✔
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✔
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Accidental Death And Disability Cover (Common Carrier) |
✔
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✔
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Dental Treatment |
✔
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✔
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Out-Patient Department (OPD) |
✔
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✔
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Repatriation of Remains |
✔
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✔
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Waiver of PED |
✔
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✔
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Smooth Transit Covers |
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Total Loss Of Checked-In Baggage |
✔
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✔
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Delay Of Checked-In Baggage |
✔
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✔
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Missed Connection |
✔
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✔
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Trip Cancellation |
✔
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✔
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Trip Abandonment |
✔
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×
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Trip Extension |
✔
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✔
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Common Carrier Delay |
✔
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✔
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Hijack Distress Allowance |
✔
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✔
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Other Coverages |
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Loss Of Passport, Driving License And Temporary Permit |
✔
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✔
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Bounced Booking for Accommodation |
✔
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✔
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Bounced Booking for Common Carrier |
✔
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✔
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Daily Cash Allowance |
✔
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✔
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Personal Liability & Bail Bond |
✔
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✔
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Home Building And Contents |
✔
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✔
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Emergency Cash Assistance Service |
✔
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✔
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Golfer’s Hole In One |
×
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✔
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Extended Pet Stay |
×
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✔
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Hazardous or Adventure Sports |
✔
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✔
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Up-Gradation To Business Class |
×
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✔
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Home to Home Cover |
×
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✔
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Disclaimer: 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.
Our annual multi-trip travel insurance offers comprehensive coverage for a wide range of potential mishaps during your trips abroad. We’re committed to transparency, so it's just as important to understand what isn’t included in your annual policy as it is to know what is. Here are some key exclusions to keep in mind:
Pre-existing medical conditions or illnesses diagnosed before your trip, or if your doctor has advised against travel, are not covered.
The daily cash allowance for up to 5 days is applicable only if you are hospitalized while on vacation in another country.
You're covered for adventure activities but only if they last for a single day. Longer activities, like treks or professional sports that take more than a day, aren’t included.
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 weeklong 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 4 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.
Imagine having to buy a new travel insurance policy every time you plan a trip. Exhausting, right? With Multi-Trip Travel Insurance, you only need to purchase a single policy for the whole year. That means you’re covered for multiple trips without the hassle of shopping for a new policy each time. Talk about convenience!
Digit offers a range of trip durations for you to choose from. Whether you're travelling for a brief month or up to 90 days per trip, you have the flexibility to choose according to your convenience every time.
With our comprehensive Multi-Trip Travel Insurance plan, you’re covered for any mishaps, starting from lost luggage to unexpected medical emergencies and exclusive coverages like upgradation to business class, home to home cover, extended pet stay, and cover for pre-existing disease.
We know you’re always on the lookout for the best deals – and who isn’t? Instead of paying for separate insurance plans for each trip, you pay a one-time premium that covers all your travels for the year.
A cashless facility is a convenient mode of payment for your medical treatment costs, where the pre-authorized payments are made directly to the network provider / hospital / ASP by us.
On the Digit app or website, select ‘multi-trip’ option, 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 on ‘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.
Filing a claim for your multi-trip travel insurance does not have to be a hassle. 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!
Here’re the key differences between multi-trip and single-trip travel insurance to help you choose the best option based on your travel frequency and needs.
If you’re not hopping on a plane every month, a multi-trip policy might seem like overkill. That’s where a tailored, one-time international travel insurance plan steps in.
Why settle for more when you need just enough! 😃
Our single-trip insurance covers all your travel needs—be it medical emergencies, lost baggage, flight delays, or unexpected cancellations—without committing to a year-long plan. It's simple, straightforward, and fits perfectly into your travel checklist.
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.
There are about 38 countries across the world where travel insurance is mandatory for tourists. These countries have made it mandatory to prevent tourists landing in financial crisis due to a medical emergency, accidents, loss of luggage/passports, liability for property damage or bodily injury. It is because the cost of treatment and living is very high.
Many countries require proof of travel insurance as part of the visa application process, especially in regions like Schengen Europe, the USA, and Canada. Multi-trip annual travel insurance provides the necessary documentation, demonstrating that you have adequate coverage for medical emergencies, trip cancellations, and other unforeseen incidents.
Specific visas, like the Schengen visa, require a minimum coverage amount (e.g., €30,000 for medical expenses). Annual travel insurance policies typically meet or exceed these requirements, ensuring that your application is aligned with the embassy’s stipulations.
Insurance policies serve as proof of financial stability, which can enhance the credibility of your visa application. This shows that you can manage potential risks during your travels without becoming a financial burden on the destination country’s resources.
For frequent travellers, having a multi-trip annual policy eliminates the need to purchase new insurance for every visa application, streamlining the process for reapplying or renewing visas for multiple trips throughout the year.
Embassies often prioritize applications with comprehensive travel insurance as they indicate responsible travel planning. This can potentially speed up the processing time of your visa application.
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.
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!
Remember, annual travel insurance is not just a financial investment; it's an investment in your peace of mind. By protecting yourself against unforeseen events, you can focus on enjoying your travels without the constant worry of financial ruin.
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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.
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