Buy International Travel Insurance Online

What is Travel Insurance?

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 cost, losses, and other predefined expenses associated with travelling. It insures the policy holders 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, traveling is meant to help you rejuvenate and relax and our comprehensive travel insurance policy online is customized 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!

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 can't cover diseases or illnesses that have already been diagnosed, or if your doctor has already recommended no travelling.
  
• Death or disability won’t be covered after 365 days of the accident that has caused it.
• Adventure sports are covered if you’re doing it for the duration of one day. This doesn’t include week long treks, hikes or professional level adventure sports that go on for more than one day.
• Flight delays aren’t covered if your airline already informed you about the same at least 6 hours in advance.
• Delay of checked in luggage is not covered if the delay is due to customs.
• Any missed connection where the time gap between scheduled arrival of incoming flight and scheduled departure of connecting flight was less than the time required.
• Thefts aren’t covered for if you only make the required police complaint after getting back from your trip.
• Thefts won’t be covered if the police of the respective aren't notified within 24 hours.
• Trip extensions due to childbirth or related matters can’t be covered
• Trip abandonments due to pre-existing illnesses or health conditions can’t be covered.
• Trip cancellations due to rejection of visa is not covered.

Whether you’re buying your travel insurance policy from our mobile app or website, you can follow these easy steps and secure your trip within minutes.

Step 1: Visit Digit’s International Travel Insurance Policy main page on our website or you can download our App from Play Store or App Store.

Step 2: Select the location you are travelling to based on ‘Geography’ or ‘Country’.

Step 3: Click on ‘Next’ and select the start and end dates of your trip.

Step 4: After that, enter the age of traveller(s). Then you will be able to view or compare plans and choose the one most suitable for you.

Step 5: You will then be required to fill in few details such as name, date of birth, mobile number, email ID, and if the travellers have any existing illness or health conditions.

Step 6: You can proceed to make the payment online either through Card, Net Banking, UPI, Wallet or EMI.

Step 7: We will require some details for KYC verification so we can issue your policy immediately.

And there you go! You can now enjoy a safe and secure trip.

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: We understand that calling from an international destination is not always possible. That’s why we've introduced a Missed Call Facility. All you need to do is leave us a missed call on +917303470000 and we’ll call you back within just 10 minutes! However, please ensure you call from a mobile no. and not a landline. You can also mail us at travelclaims@godigit.com

• Get a reminder for claims when your flight is delayed: Our claim process for flight delays is advanced. If your flight is delayed for more than 6 hours, you’ll automatically receive an SMS from us. All you need to do is send us a picture of your boarding pass and bank details, and you’ll receive your monetary compensation in a jiffy!

• No hard copies needed: We believe in keeping everything digital. That’s why, there’s no need for hardcopy for proofs. A simple upload works for us! 

• For any other assistance: 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.

It’s important to thoroughly go through your policy document to be educated about your insurance policy. After all, you bought this policy to secure yourself during uncertain times. Digit is all about simplifying insurance so much that even a 5-year-old understands complicated terms! 

Since our travel insurance policy is a comprehensive one, we’ve simplified few difficult terms that are mentioned in your policy document below:

• Disclosure to Information Norm: 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: 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: 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).
• Free Look Period: This is a specific set of days (15 days from the date of receipt of the first policy document) where you can review the terms and conditions of your policy and decide if you want to cancel or continue with your policy. Free Look Period is not applicable for renewed policies and policies with policy period of less than one year.
• Common Carrier Delay: A common carrier refers to any commercial, public airline, railway, motor transport, or water-borne vessel operating for to transport passengers and/or cargo. Your insurance policy offers compensation in case of common carrier delay. For example, if you have to catch your scheduled flight but learn that it is delayed by 3 hours, then you can file a claim under common carrier delay cover provided the time excess stated in the policy schedule is less than 3 hours. This amount is specified in your policy subject to certain terms and conditions such as delay due to weather, strikes, equipment failure, etc.
• (Waiver) of Pre-Existing Diseases: Pre-existing diseases are those illnesses or ailments you have before you start a new health plan (in this case, a comprehensive travel plan). Diabetes, cancer, asthma, high blood pressure, etc., could be examples of pre-existing diseases (PED). A waiver of PED means that your insurance policy will cover you for emergency treatment related to your pre-existing diseases if you opt for the PED Cover.
• Personal Liability and Bail Bond: Personal liability refers to property or bodily damages or injuries to a third-party, accidently, where you are held legally responsible. Bail Bond is a document stating that a specific amount has been paid to allow a person, accused of a crime, to remain free until trial. It is a surety bond (money or property) offered or deposited by a defendant to be released from custody. If you’ve travelled abroad and find yourself in something of a pickle and are wondering how to handle legal issues when in a foreign country, then these covers offer benefits that protects you from heavy debts in case of lawsuits.
• Financial Emergency Cash: If you’ve ever found yourself in a foreign country and your wallet is stolen, you might be short on cash or lost all financial sources. In such cases, your insurance company can provide you with cash in emergency situations. Getting travel insurance that provides financial emergency cash is a smart choice because you never know when petty crimes like pickpocketing and thefts could occur to you.

Understanding our policy document is important, that’s why we’ve also simplified some of our coverages to help you get a better understanding of them. You can read about our coverages here.

When travelling, you need to have an insurance plan in hand. You’ve already read why it's important to secure yourself, now you’re wondering which plan do I pick? There are different kinds of plans available depending on the purpose, duration and nature of your trip. Before selecting your plan, you should also keep the coverage and premium offers in mind.

Some types of travel insurance are:

• Individual Travel Insurance: An Individual travel insurance plan is suitable for those on a solo trip. Keeping in mind multiple things that can go wrong, it is important to be cautious especially on your own. 
  
• 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.
  
• 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 plan offers beneficial covers at minimum expense.
  
• 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.
  
• 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 families that travel together.
  
• Senior Citizen Travel Insurance: Travelling above the age of 60 trails its own risks along. That’s why having an insurance in hand saves you from unexpected issues like medical expenses, unpredictable financial emergencies, etc.
  
• Domestic Travel Insurance: Domestic travel insurance comes in handy when you are travelling within national boundaries.
  
• International Travel Insurance: Similarly, an international travel insurance is useful for international travel. In many countries, it is mandatory to have travel insurance with you while applying for your visa. This protects you from unforeseen expenditure.
  
• Schengen Travel Insurance: A Schengen travel insurance is one that is applicable when travelling to the 26 Schengen countries. This plan secures you from financial losses. You can also avail many benefits as defined by the policy you opt for.
  
• Annual or Multi-trip Travel Insurance: An annual or multi-trip 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.
  

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

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 ones in the Schengen region. Without one, you may not get an approved visa of the respective country.  

Check out the list of countries where Travel Insurance is mandatory:

• Cuba
• United States of America
• United Arab of Emirates
• Schengen Countries. It is a group of 26 countries in Central Europe.
• Ecuador which includes the Galapagos Islands.
• Antarctica
• Qatar
• Russia
• Turkey
• New Zealand
• Nepal
• Morocco

We all know how boring visa applications and processes can be. Luckily, there are at least a few countries over the world where Indians don’t need to go through the hassle of applying for one.

Check the list of countries where Indian citizens travel visa-free or avail of Visa on arrival:

• Asia - Thailand, Bhutan, Cambodia, Maldives, Macau, Indonesia, Iraq, Nepal, Laos, Jordan, Timor Leste
• Africa - Mauritius, Seychelles, Togo, Ethiopia, Madagascar, Uganda, Kenya, Tanzania, Mozambique, Guinea-Bissau, Cape Verde, Comoro Islands
• South America - Ecuador, Dominica, Bolivia, Guyana
• North America - British Virgin Islands, Haiti, Jamaica, Grenada, Montserrat, St Lucia, St. Kitts & Nevis, St Vincent & the Grenadines, Trinidad & Tobago, Nicaragua, Turks & Caicos
• Oceania - Cook Islands, El Salvador, Vanuatu, Tuvalu, Palau, Nieu, Samoa, Fiji, Micronesia.

Travel Insurance for Schengen Countries

Every traveler 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.

Things to carry when you’re traveling abroad

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

Here’s a quick list on the different things you will need to carry while traveling abroad.

• Passport (Of course!)
  
• International Adapters (You don’t want to be stuck with no charge, when you realize your Indian plugs don’t get in them sockets!)
  
• Basic medications (Paracetamol, Pain-Killers, Anti-Allergy Tablets) 
  
• Sunscreen if you’re traveling in summer, moisturizer if you’re traveling during winters
  
• Comfortable shoes (You never know when you need to hike up somewhere!)
  
• A Forex Card so you don’t face any financial challenges. 
  
• Travel Insurance, so you’re protected throughout your journey!
  
• Your camera! (To capture all those memories) 
  
• A raincoat or umbrella if you’re traveling to a place with unpredictable weather! (Europe and the UK are famous for this!) 
  
• A book of your choice (To keep you occupied during long flight hours and, well to help you relax when you’re on a holiday!)
  
• A comfortable jacket or hoodie to keep handy for your flight or when you’re out and about in the city
  

From traveling 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.