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Travel Insurance

Instant Policy, No Medical Check-ups

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Settlement (FY24-25)

1-Day Adventure

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Terms and conditions apply*

24x7

Missed Call Facility

100% Claim

Settlement (FY24-25)

1-Day Adventure

Activities Covered

Terms and conditions apply*

Written By:

Deepshikha Sarkar

Senior Marketing Associate

A creatively driven marketer shaping content strategies and development that balance SEO, storytelling, and brand goals. I'm currently making complex topics sound easy and relatable in the space of travel insurance, helping real people make smarter choices. When I’m not driving marketing outcomes, you’ll find me dancing, storytelling through photoshoots, or painting, because I believe great marketing, like art, should make people feel something.

Reviewed By:

Abhash Pathak

Product Head - Abhash Pathak

I'm leading the Travel LOB and Motor (Online Partnerships) at Digit Insurance. I work closely with the underwriting, claims, actuarial, compliance, product, and tech teams to keep our travel products top-notch and running smoothly. I'm all about innovation and constantly tweaking our products and processes to keep up with the times. My goal is to make things more efficient and deliver awesome value to our customers.

International Travel Insurance Policy Online for your Overseas Travel

International travel insurance is a financial safety net you buy before going on a foreign trip. From unexpected medical emergencies and flight delays to lost baggage or passports, travel insurance provides 24/7 assistance, ensuring global travel is stress-free and financially secure.

What is Travel Insurance?

Travel insurance is a financial coverage that covers the costs when you end up in a hospital overseas, your flight gets cancelled, or your belongings go missing during your trip. It doesn’t prevent travel hiccups, but it protects them and lets you explore the world confidently with peace of mind.

Digit International Travel Insurance is designed to give you that confidence with a stress-free travel experience. It offers simple, flexible plans that cover everything from medical emergencies to passport loss, all with easy digital processes. With quick claim support and zero paperwork, it’s built to help you travel smarter, safer, and stress-free.

Listen to the Summary

Is Travel Insurance Mandatory for International Travel?

Yes, travel insurance is mandatory for visiting certain countries from India, such as those in the Schengen zone. While not all countries require it, having international travel insurance is highly recommended; it not only protects you from unexpected situations abroad but can also strengthen your visa application in many cases.

Why Do You Need International 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.

Do I Really Need Travel Insurance?

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

What is the Right Time to Buy Travel Insurance?

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.

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Our Travel Product Expert Speaks about the Right Time to Buy Travel Insurance

The best time to buy travel insurance is immediately after booking your trip—whether it’s flights, hotels, or tour packages. For international trips, it’s ideal to purchase travel insurance at least 10-15 days before departure to get full benefits, especially for countries that require mandatory coverage for visa approval. This ensures that you are covered against unexpected events like trip cancellations, medical emergencies, or visa rejections before your journey even begins.

What are the Types of International Travel Insurance?

International travel insurance is categorised based on the purpose of your foreign trip, its duration, the type of coverage and your needs. Here are some common types:

International Travel Insurance

An international travel insurance is useful for a foreign trip. In many countries, it is mandatory to have travel insurance with you while applying for your visa. This protects you from unforeseen expenditures.

Individual Travel Insurance

An individual travel insurance plan is suitable for those who love going on solo trips. Considering the multiple things that can go wrong, it is important to be cautious, especially when travelling alone.

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 coverages.

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.

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.

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 Indian families that travel together to foreign countries.

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.

Schengen Travel Insurance

A Schengen travel insurance is one that is applicable when travelling to the 29 Schengen countries. This plan secures you from financial losses. You can also avail of 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. It includes protection against medical emergencies, lost baggage, trip delays, and unforeseen expenses, ensuring a smooth and financially secure travel experience.

What Does Digit’s International Travel Insurance Plan Cover?

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 need emergency hospitalisation to save your life or relieve acute pain, we will cover: Treatment costs Medical evacuation Outpatient cover (OPD) Repatriation (Up to the sum insured as shown in your policy)	✔	✔
Accidental Treatment And Evacuation Exigencies If you get injured in an accident and need urgent hospitalisation, we’ll cover: Treatment and medical expenses Evacuation OPD care Repatriation (Up to the sum insured as per your policy)	✔	✔
Personal Accident If you suffer an accidental injury that directly causes: Death Permanent total or partial disability We’ll pay compensation as per your policy limits.	✔	✔
Accidental Death And Disability Cover (Common Carrier) Covers accidents while travelling in public transport like a plane, train, or bus, resulting in: Death Permanent total or partial disability (Compensation as per policy limits)	✔	✔
Dental Treatment If you face acute pain or injury to your natural teeth during the trip, we’ll cover the cost of treatment by a qualified dentist, up to the policy limits.	✔	✔
Daily Cash Allowance If you’re hospitalised for more than 24 hours, we’ll pay a daily benefit for up to a maximum number of days as per policy. This cover will be extended for a maximum of 5 days.	✔	✔
Sub-Limits* Applicable only to members above 55 years for medical/accidental hospitalisation. If your claim amount for these coverages exceeds the sub-limit mentioned in the policy schedule, the extra amount has to be paid by you. Limits apply to: Hospital Room Rent (Per Day) ICU Charges (Per Day) Surgery & Anesthesia Doctor Fees (Per Visit) Diagnostics Ambulance Miscellaneous expenses	✔	✔
Maternity And Baby Cover Covers hospitalisation expenses for the delivery and vaccination of a newborn.	×	×
Waiver of PED Option to waive pre-existing disease exclusion (subject to policy terms).	✔	✔
Smooth Transit Covers
Total Loss Of Checked-In Baggage If your checked-in baggage is permanently lost by the airline, we’ll pay compensation as per policy.	✔	✔
Delay Of Checked-In Baggage If baggage is temporarily delayed beyond the specified time, we’ll cover essential replacement purchases.	✔	✔
Missed Connection If you miss a pre-booked connection due to the delay of a common carrier, we’ll cover the extra travel expenses and accommodation costs to reach your next destination.	✔	✔
Trip Cancellation If your outbound journey is cancelled due to the listed reasons, we’ll reimburse you: Reasonable extra travel and accommodation costs Planned events and excursions expenses	✔	✔
Trip Abandonment If you have to cut short your trip or return early, we’ll cover: Additional travel costs (in the same class as the original booking; if you cannot use your return ticket) Accommodation costs (of a similar standard you had booked for your trip) Unused accommodation costs that each insured person has paid and cannot get back (including excursions and planned events)	✔	×
Trip Extension If your return is unexpectedly delayed, we’ll reimburse: Extra lodging and boarding Fare difference in return ticket (up to policy limits)	✔	✔
Common Carrier Delay If your flight/train is delayed beyond the specified time, you’ll receive a fixed amount for every additional block of delay as per policy.	✔	✔
Hijack Distress Allowance If your mode of transport is hijacked, we’ll pay a daily distress allowance (must be officially confirmed).	✔	✔
Other Coverages
All Risk Cancellation Charges We cover the non-refundable, pre-paid, or contracted-to-be-paid portion of the booking amount up to the policy limit if you cancel tickets due to unforeseen events beyond your control.	×	×
Loss Of Passport, Driving License And Temporary Permit We pay for expenses (as per policy) if your passport, visa, or driving license is lost, stolen, or damaged, preventing trip continuation.	✔	✔
Bounced Booking for Accommodation If your hotel booking is denied due to overbooking or any other issue beyond your control, we will reimburse: The cost difference for alternate accommodation or an upgrade to the same class (if the new booking is up to 10% higher than the original per-night rate), after deducting any refund/compensation from the hotel. Reasonable transport expenses to reach the new accommodation within the same city.	✔	✔
Bounced Booking for Common Carrier If your airline, train, or bus is unable to honour your prepaid booking due to overbooking or similar reasons, and you’ve opted for this cover: We will reimburse for the difference in fare between the original and the new ticket (same class), provided the cost increase is within 10% of the original fare. Refunds or compensation from the carrier will be adjusted.	✔	✔
Compassionate Visit If you’re hospitalised during your trip, we will cover the travel and stay of one close family member or friend who comes to be with you: Economy class travel by the shortest route to your hospital city Lodging and boarding of the same or lower class as yours, during the visit	×	✔
Loss Of Baggage And Personal Belongings We cover the loss or damage of your accompanying baggage and personal items due to theft, robbery, larceny, or holdup during the trip. The claim is subject to: The sum insured limit specified in the policy Applicable deductibles and depreciation rules	×	×
Personal Liability & Bail Bond The insurer will cover legal and financial liabilities if you accidentally cause harm to someone or their property during your trip: Compensation for injury, death, or property damage Legal costs (pre-approved by the insurer) Bail bond amount for your release before court hearings (if required)	✔	✔
Home Building And Contents If your home (at the address listed in your policy) suffers loss or damage while you’re away, the insurer will reimburse: The cost to repair, replace, or reinstate the damaged building or household contents, up to the sum insured.	✔	✔
Emergency Cash Assistance Service If your money or luggage is lost due to theft or holdup, the insurer will: Coordinate with your family back home to arrange emergency funds The transfer is handled by the insurer or their claims partner, up to the limit specified in your policy	✔	✔
Financial Emergency Cash If you’re left without any travel funds (cash, cards, travellers cheques) due to theft, robbery, or dacoity, the insurer will reimburse you for the lost amount, provided: You report the incident to local police within 24 hours A written police report is submitted with your claim	×	×
Golfer’s Hole In One If you hit a hole-in-one at a USGA-recognised golf course (outside India), the insurer will pay a fixed amount to cover your celebration expenses, as per the policy.	×	✔
Fraudulent Charges Cover If your payment card is lost or stolen during the trip, you’ll be reimbursed for any unauthorised charges made up to 12 hours before you reported the loss to your card issuer.	×	×
Extended Pet Stay If your return journey is delayed by more than 24 hours, the insurer will cover the extra cost of keeping your pet at the pet boarding facility back home, up to the policy limit.	×	✔
Hazardous or Adventure Sports If opted for, it covers participation (under supervision) in activities such as trekking, scuba diving, etc. Coverage includes: 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 If you are hospitalised during your trip, we will cover the economy class travel costs for one immediate family member, relative, or friend to escort up to two minor children, as well as the return travel expenses for the children, up to the policy limits. (As long as hospitalisation does not occur within 3 days of the trip’s end).	×	✔
Upgradation To Business Class If you’re seriously ill, we’ll pay up to the sum insured mentioned in the policy for upgrading your return ticket to business class from the place of hospitalisation.	×	✔
Study Interruption If you have to discontinue your planned studies during the covered period unexpectedly, we will reimburse you up to the sum insured for: Unrefundable semester fees Booked common carrier tickets from your city of residence to the country of your educational institution, if the interruption occurs while you are at home Return tickets to your city of residence if the interruption occurs while you are at the educational institution Coverage applies up to the policy limit.	×	×
Accident Of The Sponsor If your sponsor named in the policy dies or is permanently disabled, we’ll cover: Unpaid tuition fees One-time return economy class air ticket for a student	×	×
Inter-Collegiate Sports Cover Medical & accidental injury coverage extended to college sports injuries sustained during the policy period.	×	×
Home to Home Cover	×	✔
Hazardous or Adventure Sports	✔	✔
Coverage at Home Country	×	×

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.

What's Not Covered in Digit’s Travel Insurance?

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 don’t cover pre-existing illnesses or if your doctor advises against travel. Death or disability from an accident won’t be covered after 365 days.
Single-day adventure activities are covered, but multi-day treks, hikes, or professional-level sports are not.

Flight delays aren’t covered if informed 6+ hours in advance. Luggage delays due to customs and missed connections with short layovers won’t be covered either.
Theft claims aren’t valid if reported after your trip is over. You must inform local police within 24 hours.
No coverage for trip extensions due to childbirth, trip abandonments due to pre-existing health issues, or cancellations due to visa rejection.

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Why Choose Digit International Travel Insurance?

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*

Disclaimer: The counts displayed for Policies Sold, Claims Settled, and Paid-in Claims represent the total counts for each category for international travel policies since their inception until 31st March 2025. The Claim Settlement Ratio (CSR) is calculated for FY 24-25. CSR is a count of (Claims Paid + Claims Closed) / (Claims O/S at Start + Claims Reported - Claims O/S at End).

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.

What Our Customers Have to Say about Us

See All Reviews

Digit Travel Insurance Makes It to the Headlines!

Does travel insurance cover flight delay or cancellation due to fog?

06 Jan 2025
Teena Jain Kaushal

Champions Trophy 2025: Why travellers to UAE should take a travel insurance

21 Feb 2025
Anshul

International Women’s Day: Why travel insurance is a must for solo women travellers

07 Mar 2025
Vivek Chaturvedi, CMO Go Digit General Insurance

How travel insurance safeguards your journey — key differences between domestic and international coverage

04 Mar 2025
Anshul

International Women's Day: Why travel insurance is a must for solo women travellers

17 Jan 2020
Aprajita Sharma

How to Buy International Travel Insurance with Digit?

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!

Who Should Buy Travel Insurance Policy?

How to Compare Travel Insurance Policies Online?

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.

How to Calculate Travel Insurance Premium Online?

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.

Factors Affecting Travel Insurance Premiums and How to Reduce Them?

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.

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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!

Digit’s Travel Insurance Claim Settlement Ratio is 100% for FY 2024-25

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!

Digit has maintained a 100% claim settlement ratio for travel insurance over two consecutive years - FY 2024-25

We Paid ₹11.51 Lakh Claim on a ₹2,000 Travel Policy for Thailand

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.

How Are Claims Made Simple with Digit International 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: 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.

Digit Settled 9.16 Lakh Claims with 99.9950% Accuracy in FY 2024-25

9.16 Lakh Claims Settled

That’s how many times we showed up for our customers in FY 2024–25. Behind each of those numbers is a mishap, and we were right there, making sure things got sorted quickly.

Travel claims were no exception. In fact, we settled 5,500+ international travel claims, achieving a 100% claim settlement ratio in FY 2024-25. Because when you're far from home, the last thing you need is your insurance letting you down.

₹4,622 Crore Paid in Claims

We don’t just talk about protection, we deliver it when it matters. From minor hiccups to major emergencies, we made sure our customers didn’t have to carry the financial burden alone. Quick settlements, zero confusion, and real peace of mind.

Of the ₹4,622 crore in total claims we paid, ₹10 crore+ went towards settling international travel insurance claims.

99.9950% Claims Accuracy

Out of 9.16 lakh claims, only 46 were escalated and ruled in favour of the customer by the Hon’ble Ombudsman^. And we don’t choose to defend those 46 cases^#. We learn from them. Because our goal is clear: settle 100% of all genuine claims, fairly and fast.

Ombudsman Complaints for FY 2024-25

The below information is a summary of escalated claim cases reviewed by the Hon’ble Ombudsman in FY 2024–25.

LOB	Total Claims Paid (in number)	Total Claims Amounts Settled	Total Complaints that went to Ombudsman	Total Complaints where final decision was given	Total Complaints Settled via Mediation	Total Decisions in favour of Customer
Health (including PA, travel)	2,18,082	₹1,374.64 Crore	110	86	21	18
Motor(OD + TP, Including theft, PA)	6,51,954	₹2,199.58 Crore	124	104	28	26
Other LOBs (miscellaneous)	45,642	₹1,047.34 Crore	22	17	3	3
Grand Total	9,15,678	₹4,621.56 Crore	256	207	52	47

Disclaimer: ^This data pertains to cases reported to various offices of the Hon’ble Insurance Ombudsman. Customers have the option to approach the Consumer forum as well; #Only includes complaints arising from claims. The company had a total of 11 complaints arising from non-claims, i.e., policy-related grievances (5 won, 2 settled, 1 lost and 3 outstanding). One non-claim complaint where the decision went in favour of the complainant is not included in the numerator while calculating claims accuracy.

How to Avoid Rejection on Travel Insurance Claim?

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 Do Indian Students Need Travel Insurance for Studying Abroad?

If 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!

Whether you're heading to the US, UK, Canada, or any other country, student travel insurance is a smart and essential choice for Indian students planning to study overseas.

Must-Know Travel Hacks for Your Next International Trip

Know Your Travel Insurance Policy

It’s important to thoroughly review your policy document to be educated about your insurance policy. After all, you bought this policy to secure yourself during uncertain times. Since our travel insurance is comprehensive, we’ve broken down key terms in your policy for easy reference.

Tips to Lower Your Travel Insurance Premium

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!

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 in the world where Indians don’t need to go through the hassle of applying for one. Check the list of visa-free countries for Indians and visa-on-arrival countries.

Visa-Free Countries for Indians

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

Visa on Arrival Countries for Indians

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

Travel Insurance for Schengen Countries

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.

Essential Things to Carry While Travelling

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!

Read less

Precautions to Remember Before Travelling Abroad

Avoid taking your passport everywhere. It’s better to leave it in your hotel locker and carry a copy for your ID purposes instead.
Don’t carry too much cash around. When withdrawing cash from an ATM, always check your surroundings and verify your notes after the transaction.
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 the 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

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Policy

Claims

Covid-19

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.

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.

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.

Will moving to another country affect my life insurance premiums?

Yes, your premiums for life insurance might change if you move permanently to another country. Factors such as the new country's risk profile, healthcare system, and local tax laws can influence your insurer's assessment and adjustment of your premiums. Always inform your insurer of any change in residency.

What happens to my term insurance policy if I become a citizen of another country?

Becoming a citizen of another country generally doesn't void your existing term insurance policy, especially if it's from your original country. However, you should notify your insurer. They might require updated information or have specific procedures for handling claims and communications for non-resident citizens.

Digit Happy Traveller Plan - UIN - GODTIOP24172V012324

Need Help?

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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Go Digit General Insurance Limited | Corporate Office Address: Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru 560095 | Registered Office Address: 1 to 6 floors, Ananta One (AR One), Pride Hotel Lane, Narveer Tanaji Wadi, Shivaji Nagar, Pune-411005, Maharashtra | Trade logo of Go Digit General Insurance Ltd. displayed above belongs to Go Digit lnfoworks Services Private Limited and is provided and used by Go Digit General Insurance Ltd. under license.

Travel Insurance

International Travel Insurance Policy Online for your Overseas Travel

What is Travel Insurance?

Listen to the Summary

Is Travel Insurance Mandatory for International Travel?

Why Do You Need International Travel Insurance?

Why Do You Need International Travel Insurance?

Do I Really Need Travel Insurance?

What is the Right Time to Buy Travel Insurance?

What is the Right Time to Buy Travel Insurance?

What are the Types of International Travel Insurance?

International Travel Insurance

Individual Travel Insurance

Student Travel Insurance

Group Travel Insurance

Corporate Travel Insurance

Family Travel Insurance

Senior Citizen Travel Insurance

Schengen Travel Insurance

Annual or Multi-trip Travel Insurance

Single trip Travel Insurance

What Does Digit’s International Travel Insurance Plan Cover?

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What's Not Covered in Digit’s Travel Insurance?

What's Not Covered in Digit’s Travel Insurance?

Why Choose Digit International Travel Insurance?

Key Features of Travel Insurance by Digit

What Our Customers Have to Say about Us

Digit Travel Insurance Makes It to the Headlines!

How to Buy International Travel Insurance with Digit?

Who Should Buy Travel Insurance Policy?

The Well-Planned Traveller

The Impulsive Nomad

The Clumsy Traveller

The Road Tripper

The Thrill-Seeker

The Budget Tripper

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How to Compare Travel Insurance Policies Online?

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How to Calculate Travel Insurance Premium Online?

Factors Affecting Travel Insurance Premiums and How to Reduce Them?

Factors Affecting Travel Insurance Premiums and How to Reduce Them?

How to File a Travel Insurance Claim with Digit?

Digit’s Travel Insurance Claim Settlement Ratio is 100% for FY 2024-25

Digit’s Travel Insurance Claim Settlement Ratio is 100% for FY 2024-25

We Paid ₹11.51 Lakh Claim on a ₹2,000 Travel Policy for Thailand

We Paid ₹11.51 Lakh Claim on a ₹2,000 Travel Policy for Thailand

How Are Claims Made Simple with Digit International Travel Insurance?

How Are Claims Made Simple with Digit International Travel Insurance?

Digit Settled 9.16 Lakh Claims with 99.9950% Accuracy in FY 2024-25

9.16 Lakh Claims Settled

₹4,622 Crore Paid in Claims

99.9950% Claims Accuracy

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

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Visa on Arrival Countries for Indians

Travel Insurance for Schengen Countries

Travel Insurance for Schengen Countries

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