Multi-Trip Travel Insurance

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. Read more... 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. Read less

Multi-Trip Travel Insurance for Frequent Travellers

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What is Multi-Trip Travel Insurance? Who Should Opt? Why Choose Digit? Multi-Trip Plans What's not Covered? Benefits How to Buy? Key Features File a Claim Multi-Trip vs Single-Trip Visa Ease with Multi-Trip FAQs

What is Multi-Trip Travel Insurance?

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.

Why Choose Annual Multi-Trip Travel Insurance?

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.

Who Should Opt for an Annual Multi-Trip Travel Insurance Plan?

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:

Frequent Flyers - It’s for you if you often travel for leisure, short getaways, visiting family and friends, or exploring new destinations.
Business Travellers - It’s for you if you are a business professional and need to travel frequently for work.
Travelling with Family - It’s for you and your family if you enjoy taking multiple vacations or trips throughout the year.
Adventure Traveller - It’s for you if you're into hiking, skiing, or other adventurous activities and have plans ready for the year.

Why Choose Digit International Travel Insurance?

Adventure Sports Covered - Our coverage includes adventure activities such as scuba diving, bungee jumping & sky diving (provided the duration is one day).
Monetary Compensation for Flight Delays - We don’t want to waste your time any further. That’s why, when your flight is delayed, you will receive compensation as per your policy conditions.
Smartphone-Enabled Processes - There is no paperwork or running around. When you make a claim, just upload the required documents and bank details, and we’ll take care of the rest.
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 and travel insurance network Allianz, to support you seamlessly across the globe. T&C apply as per your policy.

Annual Multi-Trip Travel Insurance Plans by Digit that Fit Your Needs

Frequent Flyer

You can travel worry-free with this strategic insurance plan, which covers multiple international trips within a 365-day period. Starting at ₹2,999 (excl. GST), it covers up to $500,000 for a 30-day trip per adult.

Frequent Flyer Plus

It's more than just insurance! This plan not only protects you from common mishaps but also keeps pace with your dynamic lifestyle. Starting at ₹3,299 (excl. GST), it covers up to $500,000 for a 30-day trip per adult with more coverage.

Frequent Flyer

Frequent Flyer Plus

Medical Covers
Medical Treatment And Evacuation Exigencies	✔	✔
Accidental Treatment And Evacuation Exigencies	✔	✔
Personal Accident	✔	✔
Accidental Death And Disability Cover (Common Carrier)	✔	✔
Dental Treatment	✔	✔
Out-Patient Department (OPD)	✔	✔
Repatriation of Remains	✔	✔
Waiver of PED	✔	✔
Smooth Transit Covers
Total Loss Of Checked-In Baggage	✔	✔
Delay Of Checked-In Baggage	✔	✔
Missed Connection	✔	✔
Trip Cancellation	✔	✔
Trip Abandonment	✔	×
Trip Extension	✔	✔
Common Carrier Delay	✔	✔
Hijack Distress Allowance	✔	✔
Other Coverages
Loss Of Passport, Driving License And Temporary Permit	✔	✔
Bounced Booking for Accommodation	✔	✔
Bounced Booking for Common Carrier	✔	✔
Daily Cash Allowance	✔	✔
Personal Liability & Bail Bond	✔	✔
Home Building And Contents	✔	✔
Emergency Cash Assistance Service	✔	✔
Golfer’s Hole In One	×	✔
Extended Pet Stay	×	✔
Hazardous or Adventure Sports	✔	✔
Up-Gradation To Business Class	×	✔
Home to Home Cover	×	✔

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.

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:

Any pre-existing medical conditions, including whether your doctor had advised against travelling, are not covered. Trip abandonment due to such health issues or cancellations because of visa rejection isn’t covered either.
Death or disability won’t be covered if it happens more than 365 days after the accident that caused it.
Adventure sports are covered only if done for a single day. Multi-day treks, hikes, or professional-level activities are not included.

Flight delays are not covered if your airline informed you at least 6 hours in advance. Similarly, luggage delays caused by customs aren’t covered.
Missed connections aren’t covered if the time between flights was shorter than the minimum required connection time.
Theft claims are invalid if not reported to local police within 24 hours or if reported only after returning from your trip.
Trip extensions due to childbirth or related reasons are also not covered.
Trip abandonments due to pre-existing illnesses or health conditions can’t be covered.
Trip cancellations due to the rejection of visa are not covered.

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How Can You Benefit from Digit’s Multi-Trip Holiday Insurance?

One Policy, Countless Trips: 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!
Convenient Options of Trip Duration: 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.
New Coverages Perfect for Frequent Travellers: 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.

Pay One-Time & Save Money: 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.
Cashless Facility: 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.

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How to Buy International Travel Insurance with Digit?

Enter Your Trip Details

Hop onto the Digit app or website, select multi-trip option, your destination, number of travellers, and date of birth. Then, hit ‘View Prices’.

Choose Your Plan

Now, select your prefered plan, set your sum insured, and click ‘Continue.’

Fill, Confirm & Pay

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

Done & Delivered!

That’s it! Your policy arrives via email, SMS, and WhatsApp. Need it later? It’s always on the Digit App!

Key Features of the Multi-Trip Travel Insurance Plan by Digit

Key Features	Digit Benefit
Premium	Starting from ₹2999
Number of Trip	Unlimited trips in a year
Trip Duration	30 days, 45 days, 60 days, 90 days
Eligibility	18 years to 70 years of age
Claim Process	Smartphone-enabled process. No paperwork involved.
Claim Settlement	24x7 Missed Call Facility Available
Countries Covered	150+ Countries & Islands Across the World
Plans for All	Sum Insured of up to $5,00,000
Flight Delay Benefit	$25 per 4 hours (up to $100) automatically transferred to you on flight delays
Sub-limit Waive Off	Option to waive off sub-limits for age 56 and above
Emergency Cash Assistance	Emergency cash assistance of up to $1500 to help you in case you lose your money during the trip.
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!

Difference Between Multi-Trip and Single-Trip Travel Insurance

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.

Feature	Multi-Trip Travel Insurance	Single-Trip Travel Insurance
Coverage Period	Covers unlimited trips within a 12-month period	Covers only one specific trip
Travel Frequency	Frequent travellers, business travellers, and frequent flyers	Occasional travellers or those taking one-off trips
Cost Effectiveness	More cost-effective for multiple trips over a year	Generally cheaper for a single trip
Convenience	One-time purchase covers all trips, avoiding repetitive tasks	Requires purchase of a new policy for each trip
Visa Application	Useful for multiple visa applications without buying new insurance	Suitable for single visa applications
Coverage Limits	Consistent coverage for all trips throughout the year	Specific coverage only for the duration of the single trip
Premiums	Premiums are generally high	Comparatively low premium
Trip Duration Limit	Usually covers each trip up to 30-90 days, depending on the policy	No set trip duration; coverage for the full trip period
Renewal	Renew annually; easy to extend coverage for another year	No renewal; purchase a new policy for each new trip
Emergency Medical Coverage	Consistent emergency coverage for all trips in the year	Emergency coverage only for the specific trip insured

Not a Frequent Traveller? Explore Our Single-Trip International Travel Insurance

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.

In Which Countries Travel Insurance is Mandatory for Indian Travellers?

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.

How Does Annual Multi-Trip Travel Insurance Help Frequent Travellers with Visa Applications?

Visa Requirement Compliance:

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.

Meeting Insurance Coverage Criteria:

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.

Proof of Financial Stability:

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.

Ease of Reapplication and Renewals:

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.

Faster Visa Processing:

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.

Things You Should Remember Each Time You Travel 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.

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.

FAQs about Multi-Trip Travel Insurance

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What is an Annual Multi-Trip Travel Insurance Plan?

An Annual Multi-Trip Travel Insurance Plan provides coverage for multiple trips within a year. This type of plan is perfect for frequent travellers who make several trips abroad annually, offering convenience and comprehensive protection.

What is the difference between the Frequent Flyer and Frequent Flyer Plus plans?

The Frequent Flyer Plan offers basic coverage for frequent travellers, including medical expenses, trip delays, and lost baggage. The Frequent Flyer Plus Plan includes all the benefits of the Frequent Flyer Plan but with enhanced coverage limits and additional perks, like home-to-home cover and higher medical expense coverage.

Who should consider purchasing an Annual Multi-Trip Travel Insurance Plan?

This plan is ideal for business travellers, families, students, or any individual who travels frequently throughout the year. It saves time and money compared to buying insurance for each trip separately.

What types of coverage are included in these plans?

Coverage typically includes emergency medical expenses, trip cancellations, delays, loss of baggage, personal accident cover, and more. The specific coverages and limits vary between the Frequent Flyer and Frequent Flyer Plus plans.

How many trips can I take in a year under these plans?

There is no limit on the number of trips you can take during the policy period, as long as each trip does not exceed the maximum duration specified by your plan.

What is the maximum trip duration allowed under these plans?

The maximum trip duration allowed under the multi-trip travel insurance plans is 90 days for each trip.

Do the multi trip travel insurance plans cover both international and domestic trips?

The annual multi travel insurance plans are primarily designed for international travel from India.

Can family members be covered under the same plan?

Yes, family coverage options are available. You can choose a family plan that includes your spouse and children, offering the same benefits as an individual policy but tailored for family needs.

Can I upgrade from Frequent Flyer to Frequent Flyer Plus during the policy period?

Upgrades are generally not allowed in the mid-policy period, but you can opt for the upgraded plan during the next renewal. It’s best to discuss this with your insurance advisor for personalized advice.

Are pre-existing medical conditions covered under these plans?

Coverage for pre-existing conditions varies between plans and may require additional riders or endorsements. The Frequent Flyer Plus Plan might offer broader coverage for such conditions with certain terms.

How do I renew my Annual Multi-Trip Travel Insurance Plan?

Renewal can be done online or by contacting customer service before the policy expiry date. Ensure that your details are up-to-date and any required changes to coverage are communicated at the time of renewal.

What documents are required to apply for these plans?

Basic documents include proof of identity, address, and travel history. Specific documents like medical reports may be required depending on the plan and coverage level.

What happens if I need emergency medical assistance while travelling?

Both plans offer 24/7 emergency assistance services. You can contact the helpline number provided on your policy document for immediate support, including medical evacuation and hospital arrangements.

How can I contact customer support for more information about these plans?

You can reach out through our website’s contact form, live chat, or by calling our customer support number. Detailed contact information is available on the “Contact Us” section of the landing page.

Can trips be added during the policy period?

It varies from insurer to insurer. Therefore, it would be best for you to contact your insurer if you need to modify something in your plan during the policy period.

Can I file a claim on my policy if I overstay my duration abroad?

No, you cannot file a claim under your multi-trip travel insurance policy with Digit if you overstay your declared trip duration.

Can I extend the duration of a single trip under my multi-trip policy?

Some insurers allow extensions for individual trips, but this may require additional premiums. It’s best to check with your insurance provider.

Is there an age limit for purchasing multi-trip travel insurance?

Age limits vary by insurer, but many policies have an upper age limit, often around 65-75 years. Some insurers offer senior-specific plans with different coverage options.

Does multi-trip travel insurance cover business trips?

Yes, many multi-trip policies cover both leisure and business trips. However, coverage for business equipment or specific business-related risks may require additional coverage. Check with your insurer for confirmed information.

Can I cancel my multi-trip travel insurance policy?

Most insurers offer a cooling-off period (usually 14 days) during which you can cancel the policy for a full refund, provided no claims have been made. After this period, cancellation terms vary by insurer.

How do I choose the best multi-trip travel insurance plan?

Consider factors such as coverage limits, exclusions, trip duration limits, and premium costs. Reading reviews and comparing multiple plans can help you find the best option for your needs.

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Written By:

Deepshikha Sarkar

Reviewed By:

Abhash Pathak