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Travelling is one of those things we all look forward to, no matter where we plan to take off. From sandy beaches and snow-covered mountains to the hilly greens and bustling cities; the world is our platter and the very act of traveling- our chance to experience at least one portion of it.
Comprehensive travel insurance covers costs, losses, and other predefined expenses associated with travelling. It insures the policyholders 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, travelling is meant to help you rejuvenate and relax, and our comprehensive travel insurance policy online is customised 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!
Suppose you’re flying to Europe for a dream vacation. Here’s how your travel insurance protects you from financial losses and unexpected emergencies during the trip.
Your Foreign Trip Begins
To stay protected, you buy an international travel insurance policy covering medical emergencies, trip cancellations, and lost luggage.
An Unexpected Trouble Occurs
Halfway through your trip, you fall sick and need urgent medical care. While you’re worried about hospital bills in a foreign country, you remember your travel insurance.
You Call the Insurer for Help
You contact your insurer’s 24/7 helpline, which guides you to the nearest network hospital where you can get cashless treatment.
Claim Your Expenses
For additional costs like medicines and doctor visits, you keep all receipts and later file a claim online with your insurer.
Peace of Mind, Happy Trip!
Your claim is approved, and you get reimbursed. With no financial stress, you continue your trip, knowing that your insurance has got your back!
If that’s a question you’ve been battling with, read on.
| 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. |
4.7/5
(250K + Customer Ratings)
4.7/5
4.9/5
4.7/5
18 Nov 2024
Ashish Mahapatra
01 Jan 2025
Poorna Gomathi
22 Aug 2024
Soumy P
25 Oct 2024
Nagesh Pai
31 Oct 2024
Harsh Kumar
This plan offers coverage for the most common mishaps that can be encountered on an international trip.
This plan not only covers you for the most common mishaps on your trip but also comes with an extra layer of protection that keeps you protected from each hiccup, so your trip goes just how it should!
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Medical Covers |
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Medical Treatment And Evacuation Exigencies If you fall ill during your trip and require medical treatment, resulting in hospitalisation in order to save your life or to give you immediate relief from an acute pain, we will cover for the reasonable and customary charges you incur up to the sum insured as shown on your policy schedule for - treatment, associated expenses, medical evacuation, out patient cover (OPD), repatriation. |
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Accidental Treatment And Evacuation Exigencies If you are accidentally injured during your trip and require medical treatment, resulting in hospitalisation in order to save life or to give you immediate relief from an acute pain, we will cover for the reasonable and customary charges you incur up to the sum insured as shown on your policy schedule for - treatment, associated expenses, medical evacuation, out patient cover (OPD), repatriation. |
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Personal Accident We will pay you, up to the limits shown on your policy schedule, if you suffer an accidental bodily injury during your trip which requires urgent and immediate medical attention that leads solely, directly and independently to your death, permanent total disability, or permanent partial disability. |
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Accidental Death And Disability Cover (Common Carrier) We will pay you, up to the limits shown on your policy schedule, if you suffer an accidental bodily injury during your trip while riding as a fare paying passenger in or on a common carrier or boarding or alighting from a common carrier which requires urgent and immediate medical attention that leads solely, directly and independently to your death, permanent total disability, permanent partial disability. |
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Dental Treatment If you encounter acute pain or meet with an accidental injury to your natural teeth on the trip, resulting in dental treatment provided by a medical practitioner qualified in practicing dentistry and/or dental surgery amounts mentioned in the policy schedule, we will cover for the reasonable and customary charges you incur up to the limits shown on your policy schedule. |
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Daily Cash Allowance If you are hospitalised in a hospital as an in-patient for more than 24 hours due to an accidental injury or for emergency medical treatment, we will pay you the daily benefit up to a maximum number of days as stated in the policy schedule. This cover will be extended for a maximum of 5 days. |
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Sub-Limits* Sub limits are applicable for 'Medical Treatment And Evacuation Exigencies' and 'Accidental Treatment And Evacuation Exigencies' coverages as mentioned in the policy schedule. This means that if your claim amount for these coverages exceeds the sub-limit mentioned in the policy schedule, you will be expected to pay the balance amount from your own pocket. This is only applicable for members above 55 years of age. Sub-Limits*
*These will be applicable for members above 55 years. |
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Maternity And Baby Cover We will cover medical expenses incurred in respect of the insured person for hospitalisation for the delivery and vaccination of the newborn baby. |
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Waiver of PED |
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Smooth Transit Covers |
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Total Loss Of Checked-In Baggage If your checked-in baggage is lost permanently at the final destination of your journey or en-route involving multiple destinations within the airport premises while in custody of a common carrier, then we will pay the pro-rata sum insured as mentioned in the policy schedule against this cover. |
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Delay Of Checked-In Baggage If your checked-in baggage is temporarily lost during the trip and you are without it for more than the duration specified in the policy schedule from the expected time of delivery by the common carrier, we will pay the sum insured shown on your policy schedule for replacement of essential items. |
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Missed Connection We will pay for reasonable extra accommodation and travel costs you must pay to reach the next destination shown on your ticket/itinerary if, you missed a pre-booked onward connection as a direct result of the scheduled common carrier (on which you were booked to travel) not running on its published timetable due to reasons mentioned in policy wordings. |
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Trip Cancellation If the insured person’s outward journey as a fare-paying passenger from the country of residence to an international place of destination on a common carrier is cancelled before the commencement of the period of insurance due to any of the reasons specified below. In that case, the company will indemnify on a reimbursement basis, up to the amount specified against this benefit in the policy schedule, for planned travel and accommodation expenses (including excursions and planned events) that the insured incurred and cannot recover and for which no value can be derived without knowledge of the likelihood of cancellation due to reasons mentioned in policy wordings. |
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Trip Abandonment If you have to unavoidably abandon your trip and return home early or partially abandon part of your scheduled trip, we will pay up to the limits shown on your schedule for
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Trip Extension We will reimburse you up to the sum insured shown in your schedule in the unexpected event of your departure being delayed from the original scheduled departure date of your return journey, either at the port of destination or at any other intermediate ports forming part of the trip, within the period of coverage, for the below expenses:
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Common Carrier Delay We will pay the Sum Insured if your common carrier’s actual departure time is delayed by more than the time duration (as specified in the policy schedule). It will be paid for each block of time in excess as agreed up to the limit shown in the policy schedule from the scheduled departure time, for any of the reasons in the policy schedule. |
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Hijack Distress Allowance We will pay you a distress allowance up to the limit shown in your policy schedule for each 24-hour 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 needs to be confirmed and declared by the government and or any respective common carrier authority. |
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Other Coverages |
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All Risk Cancellation Charges We will cover your non-refundable pre-paid or contracted to be paid portion of the booking amount up to the limits shown in your policy schedule; when you have to cancel the booked tickets in the unexpected or unforeseen event beyond your control. |
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Loss Of Passport, Driving License And Temporary Permit We will pay/reimburse the following expenses up to the limits shown on your policy schedule if your passport or visa, or valid driving license or temporary permit is lost, stolen or damaged while you are outside of the country of residence, and this would prevent you from leaving the country or continuing your trip. |
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Bounced Booking for Accommodation
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Bounced Booking for Common Carrier If insured opt for this cover, we will reimburse you up to the sum insured shown in your policy schedule in the unexpected event of the common carrier being unable to honor your confirmed bookings (prepaid or contracted to pay) due to overbooking or any other reason beyond your control for the following: The difference in cost of the original common carrier fare amount and the reasonable new common carrier fare amount of the same class booking, where the cost of the booking is not more than 10% of the cost of the original booking, less any refund/compensation given by the common carrier. |
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Compassionate Visit We will reimburse the cost of visit of one of your immediate family members/friends/relatives to the city where you are hospitalised up to the limits shown in your policy schedule in the unexpected event of you being hospitalised within the period of coverage, for the below expenses:
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Loss Of Baggage And Personal Belongings We will indemnify you for the loss or damage of baggage/personal belongings (whilst they are accompanying you) within the period of coverage due to Theft, larceny, robbery or holdup. 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 the deductible and depreciation table and conditions mentioned in the policy wording. |
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Personal Liability & Bail Bond We will indemnify you up to the limits shown in your policy schedule for: A) Any money that you legally have to pay to any third party in your private capacity that relates to an accident occurring during your trip anytime during the policy period for which claims shall be made on you by the third parties during policy period or within 60 days from the policy period end date, due to negligence on your part which causes:
B) We will also pay legal costs and expenses incurred by you in relation to the accident. You must obtain our consent in writing before incurring any cost or expense. C) Any bail bond you may have to furnish in the court of law for your immediate release before the hearing date. |
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Home Building And Contents We will reimburse up to the sum insured shown in your policy schedule for the actual loss/and or damage to the building and/or contents of your residence located at the address mentioned in the policy schedule or reinstate or replace such property or any part thereof within the period of coverage, for the reasons listed in the policy wordings. |
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Emergency Cash Assistance Service In this cover, we will only provide an assistance service when you require emergency cash flow following incidents like theft/burglary of luggage/money or holdup. We ourselves or through our claims administrator shall coordinate with your relatives in your country of residence to provide emergency cash to you or collect the amount & arrange for the transfers up to the limit specified in the policy schedule. |
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Financial Emergency Cash Suppose 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). In that case, we will pay up to the amount stated in the policy schedule to replace the amount of travel funds lost, provided that the loss is reported to the police of the foreign country within 24 hours of loss and a written police report confirming the occurrence of loss and same has been submitted to us. |
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Golfer’s Hole In One Subject to all other terms and conditions, it is hereby agreed that the insurer shall pay the sum insured shown in the policy schedule for the celebration of achieving a hole-in-one in a United States Golfers’ Association (USGA) recognised golf course, anywhere in the world, excluding India. |
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Fraudulent Charges Cover During the trip, if your payment card as specified in the policy schedule is lost or stolen, we will reimburse the unauthorized charges that you are responsible for on your lost or stolen payment card, up to 12 hours prior to your first reporting the event to your payment card issuer(s). |
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Extended Pet Stay We will reimburse you against expenses incurred for the extended stay of your pet in the pet house in the country of residence as a result of your final booked return journey to the country of residence being delayed for more than 24 hrs due to reasons listed in the policy wording. |
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Hazardous or Adventure Sports By selecting this cover, participation in hazardous activities will be included in the cover that you have opted for (all or any of the following), provided you participate in a non-professional capacity and under the supervision of a trained professional:
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Escort Of Minor Child We will reimburse the following expenses arising out of visit of one of your immediate family member / relative / friend to escort any accompanying minor child (maximum two), to the city where you are hospitalised up to the limits shown in your policy schedule in the unexpected event of you being hospitalised within the period of coverage, for the below expenses:
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Upgradation To Business Class We will reimburse, up to the sum insured mentioned in the policy schedule, the reasonable expenses incurred in respect of the insured person’s upgradation to a business class air ticket by the most direct route from the place of hospitalisation of the insured person to the country of residence. |
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Study Interruption We will reimburse you up to the sum insured shown in your policy schedule in the unexpected event of discontinuance of your planned studies for the remaining part of the ongoing semester within the period of coverage for the below expenses:
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Accident Of The Sponsor We will cover you up to the limits shown in your policy schedule in the unexpected event of your sponsor (as named in policy schedule) meeting with an accident resulting in his/her death or permanent total disablement during planned studies for the remaining part of the enrolled full-time course within the period of coverage for the below expenses:
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Inter-Collegiate Sports Cover In this cover we will extend the coverage provide under Sections “Section 1 - Medical Treatment and Evacuation Exigencies” or ‘Section 2 - Accidental Treatment and Evacuation Exigencies” to include intercollegiate sports injury, sustained during the policy period. |
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Home to Home Cover |
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Hazardous or Adventure Sports |
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Coverage at Home Country |
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Coverage option suggested above is only indicative and is based on market study and experience. You may opt for any additional coverage as per your requirements. Please call us at 1800-258-5956 in case you want to opt for any other coverage or wish to know further details.
While ours is a comprehensive travel insurance that covers most things that could go wrong on vacation, we are completely open in all that we do. Understanding what your travel insurance does not cover is just as critical as knowing what is covered. The following are some exclusions that our travel insurance will not cover:
Enter Your Trip Details
Hop onto the Digit app or website, select your destination, number of travellers, and date of birth. Then, hit ‘View Prices’.
Choose Your Plan
Now, you can view the plans, select the one that is perfect for you, set your sum insured, and click ‘Continue.’
Fill, Confirm & Pay
Next, fill in your personal and nominee details, complete the health declaration, click ‘Pay Now’ and complete the payment.
Done & Delivered!
That’s it! Your policy arrives via email, SMS, and WhatsApp. Need it later? It’s always on the Digit App!
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!
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!
In the event of misrepresentation, misdescription or non-disclosure of any necessary facts, your policy will become void/invalid, and all the premium paid will be forfeited to the company.
Cashless facility is a convenient mode of payment for your medical treatment costs, where the pre-authorized payments are done directly to the network provider/hospital/ASP by your insurer (us).
Medically necessary treatment is any treatment, tests, medications, or hospital stays that is required for the management, care or treatment of any illness/injury sustained by the insured (you).
You have 15 days from receiving your first policy document to review its terms. If unsatisfied, you can cancel it within this period. However, this does not apply to renewals or short-term policies.
If your flight, train, or transport service is delayed due to weather, strikes, or equipment failure, you can claim compensation if the delay exceeds the specified waiting time.
Pre-existing diseases like diabetes, asthma, or hypertension aren’t covered unless you opt for a waiver. This ensures emergency treatment related to pre-existing conditions is included.
Personal liability covers third-party injuries or property damage where you’re legally responsible. A bail bond helps if you’re legally detained abroad, offering financial support for your release until trial.
If you lose your wallet or get robbed in a foreign country, emergency cash assistance ensures you’re not stranded. Getting travel insurance that provides financial emergency cash is a wise choice.
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!
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The Well-Planned Traveller
The best time to buy travel insurance is right after booking your trip, ideally within 14 to 21 days. 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:
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Vivek Chaturvedi
CMO Digit Insurance
When travelling, you need to have an insurance plan in hand. You already know why it’s important—now, how do you choose the right one? Travel insurance plans vary based on purpose, duration, and trip type. Before selecting one, consider the coverage and premium options. Here are some common types:
Studying in a new country is exciting, but let’s be real—things don’t always go as planned. Lost luggage, medical emergencies, or last-minute trip changes can throw you off track. That’s where Student Travel Insurance comes in! Hit play to see how it’s got your back while you chase your dreams abrIf you are a student flying abroad for higher education, you may face unexpected issues, like a flight delay just before departure, baggage getting misplaced during transit, or even a sudden medical emergency shortly after arrival. These situations not only cause stress but also lead to high, unplanned expenses—especially in countries with expensive healthcare or strict travel rules.
To help you avoid such setbacks, student travel insurance offers financial protection against a wide range of risks.
Watch the video below to understand what student travel insurance is and how it can support your study abroad journey!
Finding the right travel insurance is easy when you know what to check! Follow these steps to compare quotes like an expert.
Getting a travel insurance quote on the Digit app or website is quick and hassle-free! Just follow these 4 simple steps:
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:
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Why pay more when you can save smartly? Here are some quick hacks:
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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 those in the Schengen region. Without one, you may not get an approved visa for the respective country.
| Cuba | Schengen Countries | Qatar | New Zealand |
| United States of America | Nepal | Russia | Ecuador & Galapagos Islands |
| United Arab of Emirates | Antarctica | Turkey | Morocco |
| Continent | Countries |
| Oceania | Fiji, Vanuatu, Kiribati, Micronesia, Cook Islands, Niue |
| Africa | Senegal, Mauritius, Tunisia, Angola, Rwanda, Seychelles, Gambia |
| Asia | Nepal, Thailand, Malaysia, Sri Lanka, Bhutan, Hong Kong, Iran, Kazakhstan, Oman, Macao (SAR China), Palestinian Territories |
| North America | El Salvador, Jamaica, Barbados, Haiti, Dominica, Grenada, British Virgin Islands, Montserrat, St. Vincent and the Grenadines, Saint Kitts and Nevis, Trinidad and Tobago |
| Continent | Countries |
| North America | Antigua and Barbuda, Saint Lucia |
| South America | Bolivia, Suriname |
| Oceania | Marshall Islands, Palau Islands, Samoa, Tuvalu |
| Asia | Thailand, Maldives, Indonesia, Sri Lanka, Vietnam, Myanmar, Jordan, Iran, Cambodia, Bahrain, Laos, Tajikistan, Timor-Leste |
| Africa | Zimbabwe, Rwanda, Ethiopia, Angola, Madagascar, Mozambique, Cape Verde Islands, Burundi, Comoro Islands, Mauritania, Sierra Leone, Somalia, Tanzania, Guinea-Bissau, Gabon, Tunisia |
Every traveller has once wanted to visit at least one of the many Schengen Countries. So, whether you’re going for a complete Euro Rail tour or are planning to visit a country like Estonia, Finland or Portugal, you will need a Travel Insurance to get your Schengen Tourist Visa approved.
However, Schengen Travel Insurance has many more benefits apart from just getting your visa approved. It will help protect you from several unfortunate situations such as a flight delay, baggage loss or delay, loss of passport, missed flight connection, trip cancellation, medical emergencies, financial emergencies, etc.
Every 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!
From travelling 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.
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Have queries related to Digit travel insurance policy? You can refer to our Policy Wordings for detailed information or reach out to our support team via WhatsApp self-support, email or phone using the information below:
Connect with our self-serve chat bot support - 7026061234
Write to us at travelclaims@godigit.com
Contact
Give a missed call on +91-7799022308
(This is a missed call only number for customers dialing from outside India)
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