Travel Insurance Online

Instant Policy, No Medical Check-ups

International Travel Insurance Policy Online for your Overseas Travel

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 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!

How International Travel Insurance Works?

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.

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Your Foreign Trip Begins

To stay protected, you buy an international travel insurance policy covering medical emergencies, trip cancellations, and lost luggage.

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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.

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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.

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Claim Your Expenses

For additional costs like medicines and doctor visits, you keep all receipts and later file a claim online with your insurer.

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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!

Do I Really Need Travel Insurance?

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

5.80 luggage per 1000 luggage is reportedly mislaid by airlines every year. (1)

1 in 4 passengers have lost their checked-in baggage in the last 3 years. (2)

Medical expenses cost 3 to 5 times more outside India. (3)

47% of baggage loss happen during international transfers. (4

Phones, Bank Cards, Licenses, Jewellery, Electronic Gadgets & Passports are the commonly lost belongings while travelling. (5)

Cancelled flights across the countries ranged from 1.5% to 3.2%. (6)

Trip cancellation, flight cancellations and delays have always been leading causes for travel claims. (7)

Travel scams are extremely common in tourist-heavy countries. (8)

What’s Great About Travel Insurance by Digit?

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*

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

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Travel Insurance Plans that Fit Your Needs

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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*

  • Hospital room rent (per day)
  • ICU (per day)
  • Surgery
  • Anesthesia
  • Physician Visit Fees (per visit)
  • Diagnostic and Radiology
  • Ambulance Service
  • Miscellaneous Expenses

*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

  • Additional travel costs (in the same class as original booking) (if you cannot use your return ticket); and/or
  • Accommodation costs (of a similar standard you had booked for your trip); and/or
  • Unused accommodation costs that each insured person has paid and cannot get back (including excursions and planned events)

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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:

  • The actual additional expenses for lodging and boarding in the same class and type (as originally planned)
  • Difference in common carrier fare between the original return ticket and the new ticket of economy class for insured persons insured with us up to the limits mentioned in the policy schedule

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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

  • The difference of cost in alternate accommodation or upgradation to a same class where the cost of booking is not more than 10% cost of original booking (per night) for the same number of nights that were overbooked (in case similar alternate arrangement is not available on cost of original booking amount), less any refund/compensation given by the accommodation/hotel.
  • Reasonable cost of transportation expenses to the alternative accommodation in the same city.

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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:

  • Actual cost of economy class transportation by the most direct route via a common carrier of one member of your family/relative/friend from the member’s city of residence to the port of the insured’s hospitalisation.
  • Actual cost of lodging and boarding (accommodation of the same class or lower class as that of the insured person) of the visiting member during the stay.

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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:

  • Death or physical injury to any person;
  • Loss or damage to property;
  • Loss or damage to temporary holiday accommodation which is not owned by you.

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:

  • Personal accident
  • Medical treatment and evacuation exigencies
  • Accidental treatment and evacuation exigencies
  • Daily cash allowance
  • Dental treatment
  • Personal liability and bail bond

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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:

  • The actual to-and-fro cost of the economy class common carrier ticket using the most direct route for a family member/relative/friend to escort the unattended minor children back to their country of residence.
  • Actual cost of the economy class common carrier ticket using the most direct route for the minor children back to their city of residence less actual/possible refund of the scheduled return ticket of the minor children. Provided the hospitalisation of insured occurs not within 3 days of the completion of the trip.

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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:

  • The actual semester fees paid, which cannot be refunded by the educational institution, and you are not able to complete the semester
  • Booked common carrier tickets from the city of residence of the student to the country where the educational institution is, provided that the interruption happens when the insured is in their own city of residence.
  • Return the common carrier ticket to the insured’s city of residence, in case, interruption happens at the city of the educational institution.

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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:

  • The unpaid tuition fees for your enrolled full-time study in a registered educational institution outside of your home country.
  • One-time return economy class air ticket between the city of residence of the student and the country where the educational institution is to enable the student to be at his/her home in time of need.

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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.

What's not Covered?

what is not covered

While ours is a comprehensive travel insurance that covers most things that could go wrong on vacation, we are completely open in all that we do. Understanding what your travel insurance does not cover is just as critical as knowing what is covered. The following are some exclusions that our travel insurance will not cover:
 

  • 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.

Claims Made Simple with Digit’s Overseas Travel Insurance

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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.

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.

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).

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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
Free Look Period

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.

flight delay
Common Carrier Delay

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.

(Waiver) of Pre-Existing Diseases

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
Personal Liability and Bail Bond

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.

emergency cash
Financial Emergency Cash

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.

Why Should You Buy Travel Insurance Policy?

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.

Who Should Buy Travel Insurance Policy?

The Well-Planned Traveller

The Well-Planned Traveller

With plenty of notes, checklists and well-made itineraries, you prefer journeys that are well thought out and planned. You don’t prefer uncertainty, and you like a sense of control and security. If you fall into this category of travelers, then travel insurance is almost compulsory for you. After all, what else will cover you for the unplanned?

The Impulsive Nomad

You are anything but well-planned! From packing your bags to booking your hotels and making a travel itinerary, you don’t have anything of it planned. Everything is last-minute. You’re a nomad at heart, and you pretty much go with the flow. In this case, the least you should do is get travel insurance so that your visa isn’t rejected last-minute, and all that unplanning doesn’t leave you cashless!

The Clumsy Traveller

We all know someone who is pretty much like an Ouch Potato, or maybe you are one yourself! You’re almost sure you’re just unlucky. Somehow, you always end up getting into trouble, no matter how careful you are. If you think you’re like an ouch potato yourself, then travel insurance is the least you can do to ensure you’re not losing out on anything when you get into trouble!

The Road Tripper

If you’re someone who often chooses to travel by road in a foreign land, then travel insurance is a must for you. This is because travel insurance not only secures you for common mishaps during your trip like a flight delay or baggage loss, but will also be there for you in case you happen to damage your car, or worse, someone else’s car or property!

The Thrill-Seeker

You live for adventures. Scuba diving, snorkeling, bungee jumping, trekking, river rafting, sky diving, etc. You want to do it all, and that’s probably why travelling even excites you so much. Luckily, our travel insurance also covers adventure activities (only one-day activities are covered), so you’ll be covered through it all! 😊

The Budget Tripper

You’re pretty much like all millennial travellers today. You love to travel, and you do so on a budget. Contrary to popular belief, travel insurance is extremely reasonable - one that can fit in your budget and save you from any unpredictable losses during your journey!

What is the Right Time to Buy Travel Insurance?

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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:

  • 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.

Types of Travel 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:

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.

Domestic Travel Insurance

Essential for trips within India, this plan covers medical expenses, trip delays, lost baggage, and accidental injuries. Whether travelling for business or leisure, it provides financial security against unforeseen costs within the country.

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 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 experiensce.

Why Do Indian Students Need Travel Insurance for Studying Abroad?

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!

How to Compare Travel Insurance Policies Online?

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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?

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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 Premium and How to Reduce?

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.

Tips to Lower Your Travel Insurance Premium

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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!

Is Travel Insurance Mandatory for International Travel?

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

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

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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!

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.

Precautions to Remember Before Traveling Abroad

  • Avoid taking your passport everywhere. It’s better to instead leave it in your hotel locker and instead carry a copy of the same for your ID purposes.
  • Don’t carry too much cash around and while withdrawing cash from the ATM, always check your surroundings and check your notes too after your money is withdrawn. 
  • Don’t fall for petty travel scams such as fake monks asking for donations, overcharging cab drivers, fake tour guides, etc. 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 an inside pocket of your backpack.
  • Remember the location of your accommodation well and, always use cabs that go by meter or else you’re likely to be scammed by them!  

FAQs Related to Buying International Travel Insurance

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.

Read more: How to Avoid Travel Insurance Claim Rejection

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.

Read more: How to Save Money if You fall sick during Your International Trip?

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.

Digit Happy Traveller Plan - UIN - GODTIOP24172V012324