Frequently Asked Question about Digit International Travel Insurance

What is Digit International Travel Insurance and how does it work?

Digit International Travel Insurance is a financial protection plan designed for Indian travellers going abroad. It covers unexpected events such as medical emergencies, flight delays, trip cancellations, lost baggage or passport, and personal liability. The policy offers 24/7 global support, digital claim processes, and zero paperwork, making it easy to buy, manage, and claim online.

How to choose the best travel insurance plan for my international trip?

To choose the best international travel insurance plan for your trip, start by identifying your travel type, whether it's a single trip, multiple trips, student travel, business travel, or a family vacation.

Then, compare coverage options that include medical emergencies, baggage protection, trip cancellations, and adventure sports. Be sure to check exclusions, such as pre-existing conditions, and review the sum insured to ensure it aligns with healthcare costs in your destination country. Digit offers both single-trip and annual multi-trip plans with flexible pricing and coverage to suit different travel needs.

Who is eligible to buy a Digit international travel insurance policy?

Any Indian resident planning to travel abroad can buy Digit’s international travel insurance. The policy is available for individuals between the ages of 3 months and 80 years. A minor (below 18 years) should be accompanied by an adult. The origin of travel must be India, and you must purchase the policy before departing from India, as coverage begins only from the start date mentioned in the policy.

Can NRIs or foreign nationals buy Digit's travel policy if travelling from India?

Yes, NRIs can buy Digit international travel insurance if travelling from India. They must have an Indian bank account and an OCI certificate. However, foreign nationals are not eligible for this policy.

Can I buy Digit travel insurance if I’m already outside India?

No, the insurance must be purchased before you leave India. It is not available for travellers who are already abroad. The coverage begins from the departure date mentioned in the policy and is valid only for trips originating from India.

Does Digit travel insurance cover multiple countries in one trip?

Yes, our international travel insurance covers travel across multiple countries in a single trip. You can select all your destinations while purchasing the policy. The coverage applies seamlessly across 150+ countries, including Schengen nations, the USA, UK, and more.

What types of international travel insurance plans does Digit offer?

Digit offers a variety of international travel insurance plans tailored to different travel needs:

Single-Trip Travel Insurance: Ideal for one-time international journeys.
Multi-Trip Travel Insurance: Designed for frequent travellers.
Student Travel Insurance: For students between the ages of 16 and 35 years studying abroad.
Family Travel Insurance: Covers all family members under one plan.
Senior Citizen Travel Insurance: Specially designed for older travellers between the ages of 71 and 80 years with relevant medical and travel benefits.
Schengen Travel Insurance: Compliant with visa requirements for Schengen countries.

Which plan is better: Single-trip or Multi-trip travel insurance?

It depends on your travel frequency:

Single-Trip Insurance is best for occasional travellers who take one or two trips a year.
Multi-Trip Insurance is ideal for frequent flyers, business travellers, or families who travel multiple times annually. It offers convenience, cost savings, and comprehensive coverage for multiple journeys in a year with a maximum of 30/45/60/90 days per trip limit.

Digit’s multi-trip plans start at ₹2,999 (excl. GST), covering up to $500,000 sum insured for a 30-day trip per adult, and include benefits like adventure sports coverage, flight delay compensation, and smartphone-enabled claims.

What should I do if I haven’t received my travel insurance policy after purchase?

If you haven’t received your travel insurance policy after making the purchase, here are a few steps you can take:

Check your KYC status. If your KYC (Know Your Customer) process is incomplete or pending, your policy may not be activated yet. Completing KYC is essential for policy issuance.
Log in to your Digit app account using the same email ID or mobile number you used while buying the policy. Your policy is usually available in the ‘My Policies’ section.

Still can’t find it? Reach out to Digit’s customer care team at 1800-103-448 for assistance. They’ll help you locate your policy or resolve any issues related to its activation.

Can I change my travel dates after buying the policy? If yes, how?

If you need to change your travel dates after purchasing your policy, you can do so by sending an email to support.travelmobileops@godigit.com or hello@godigit.com with the revised dates. Please be aware that if your new dates alter the policy pricing, you may need to pay the difference.

To avoid last-minute issues, we recommend allowing some buffer time when making changes.

Also, ensure that your total trip duration does not exceed the maximum number of days permitted under your selected plan.

How do I extend my Digit international travel insurance policy during my trip?

If your trip gets extended and you need to lengthen your insurance coverage, you can request an extension by emailing support.travelmobileops@godigit.com or hello@godigit.com with your new travel dates.

Subsequently, you will be asked to submit a duly filled Good Health Declaration form and pay any applicable extra premium. Once these requirements are fulfilled, your policy will be extended, and the revised policy will be sent to you. Please ensure you notify us 7 days before the expiry date of your original policy period.

What happens if my travel insurance expires while I’m still abroad?

If your travel insurance policy expires while you are still abroad, coverage for your trip will cease from the date of expiry. It is therefore essential to purchase coverage for the entire duration of your travel.

If you need to extend your coverage, be sure to notify us at least 7 days before your policy expires for a timely extension.

In the event of a last-minute extension due to unforeseen circumstances, you can still contact us at support.travelmobileops@godigit.com or hello@godigit.com for assistance.

How can I correct errors in my travel insurance policy (name, DOB, travel dates, passport number, nominee details)?

If you need to amend any details in your travel insurance policy after purchasing it, simply email the updated information to support.travelmobileops@godigit.com or hello@godigit.com.

For corrections that do not affect your premium, such as changes to your name, passport number, email address, contact details, residential address, nominee information, or pre-existing disease (PED) details, the updated policy will be sent to you via email.

If your requested changes involve factors that can impact your premium (such as changing the country or region of travel, traveller’s date of birth, or travel dates), you will receive a payment link via email to cover any additional premium. Once payment is completed, the corrected policy will be sent to you. If these changes result in a lower premium, the difference will be refunded to your original payment method.

How do I add a nominee to my travel insurance policy?

You can add a nominee to your travel insurance policy during the purchase process via our app or website. Simply enter the required details in the nominee section while completing your purchase.

If you wish to update your nominee details after buying your policy, you can do so by sending an email with the necessary information to support.travelmobileops@godigit.com or hello@godigit.com.

Can I add more travellers after purchasing the policy?

Yes, you can add one or more travellers after purchasing the travel insurance policy. Reach out to our support team at support.travelmobileops@godigit.com or hello@godigit.com, and we will help you with the process.

I’m travelling for a short business trip. Can I get a customised policy from Digit?

Yes, Digit offers flexible travel insurance plans such as Double Secure and Double Secure Plus that can be customised for short business trips. You can choose:

Trip duration
Coverage amount based on your destination

Where can I check the coverage amount of my policy?

You can check the sum insured of your travel insurance policy on the Digit app.

How do I download my travel insurance policy?

You can download your policy on the Digit app from the “My Policies” section by logging in with your registered mobile number.

I lost my travel insurance email. How can I download the policy copy again?

If you’ve lost the email, you can still access and download your policy through the Digit app (under “My Policies”). Your policy document is available to download anytime, as it’s available on the app 24/7.

How can I buy Digit travel insurance online?

You can buy travel insurance easily through the Digit app:

Enter your trip details (destination, dates, number of travellers).
Choose your plan (single or multi-trip).
Fill in personal and nominee details.
Make the payment online. Your policy will be instantly delivered via email. No paperwork or medical tests are required.

How much does Digit international travel insurance cost for a single trip?

The cost of our international travel insurance for a single trip typically starts from ₹19 per day per person. The cost depends on several factors, including your destination, age, trip duration, and coverage amount.

For example, a 7-day trip to Southeast Asia may cost significantly less than a trip to Europe or the USA due to differences in healthcare costs and risk factors. You can get an exact quote instantly on Digit’s website by entering your travel details.

How much does Digit multi-trip travel insurance cost?

Digit’s multi-trip travel insurance is designed for frequent travellers and covers unlimited international trips within a year. The pricing starts from around ₹2,999 annually for $500,000 sum-insured for a 30-day trip per adult within the policy term.

This plan is ideal for business travellers or individuals who travel abroad multiple times a year, offering both convenience and savings compared to buying separate single-trip policies.

What happens to my travel insurance premium if I extend my trip after buying the policy?

If you extend your trip after purchasing the policy, you’ll need to extend your travel insurance coverage accordingly. Digit allows policy extensions, but the additional premium will be calculated based on the new duration and any changes in coverage. You’re suggested to reach out to us at support.travelmobileops@godigit.com or hello@godigit.com for the extension before you start the trip.

How does renewal work for Digit’s Multi-Trip Travel Insurance policy?

Your multi-trip policy is valid for 365 days from the date of purchase. Once this period ends, you’ll need to purchase a new policy through the Digit app to continue your coverage.

What does Digit travel insurance cover during my trip abroad?

Digit’s international travel insurance covers medical emergencies, hospitalisation, accidental injuries, and emergency evacuation. Additionally, it includes non-medical benefits such as trip cancellations, flight delays, loss or delay of baggage, passport loss, and personal liability.

You can also opt for add-ons like adventure sports coverage or higher limits for valuables. The coverage is designed to ensure peace of mind throughout your journey, whether you're travelling solo, with family, or for business.

Are pre-existing diseases covered under Digit international travel insurance?

Coverage for pre-existing diseases is available up to the limits specified in your chosen plan or policy schedule. However, not all plans include this benefit, so it is essential to carefully review the features of each plan when purchasing your policy or to consult your policy document after purchase for confirmation.

For further clarification on pre-existing disease coverage, you may contact support by emailing support.travelmobileops@godigit.com or hello@godigit.com, or by calling 1800-103-448.

Can I claim if my baggage is lost, delayed, or stolen, including gadgets?

Yes, you can claim if your baggage is lost, delayed, or stolen, including personal belongings.

Digit travel insurance covers:

Delayed baggage: If your checked-in baggage arrives late during your trip (not on return to your home city), and the delay exceeds the time mentioned in your policy, you’ll be reimbursed up to the insured amount as per policy.
Lost baggage: If your checked-in baggage is permanently lost at the final destination or during transit at the airport, you’ll be paid a portion of the insured amount as per policy.
Stolen items: If your baggage or personal belongings are stolen during the trip (due to theft, robbery, etc.), you’ll be compensated, subject to policy limits, depreciation, and deductibles.

What qualifies as a valid reason for trip cancellation or interruption?

Digit covers several valid reasons for trip cancellation or interruption, including:

Serious illness, injury, or death of you, your family, or travel companion
Legal summons during your travel period
Unexpected strike, riot, or civil unrest
Theft of passport/visa before travel
Government-issued travel bans or quarantine
Natural disasters or fire before departure
Involuntary job loss
Major damage to your home just before your trip

These reasons must be supported by relevant documentation (e.g., medical reports, death certificates, embassy letters) when filing a claim. Also, you’re advised to check your policy for more details about the qualified reasons.

Is a flight delay covered under Digit’s travel insurance?

Yes, Digit covers flight delays that exceed a minimum time threshold, typically 4 hours or more. Compensation is provided for each block of time your flight is delayed, up to the maximum insured amount. If you take a domestic flight in a foreign country to reach your intended destination, it will also be covered, provided that your destination falls within the geographical coverage outlined in your policy.

To claim, you’ll need proof of delay from the airline and receipts for any expenses incurred during the waiting period.

Am I covered for the domestic flights I take to travel in a foreign country?

Yes, our travel insurance covers connecting domestic flights within a foreign country. Coverage typically applies to events like flight delays, baggage loss, or medical emergencies during these domestic travels.

Does Digit cover OPD (Outpatient) expenses or only hospital admission?

Yes, Digit travel insurance does cover OPD (Outpatient Department) expenses, not just hospital admissions. This means you can claim for visits to a clinic, hospital, or consultation room for diagnosis or treatment, as long as it’s based on a doctor’s advice.

However, this coverage is subject to sub-limits mentioned in your Policy Schedule, so the amount you can claim may be capped.

What happens if I lose my passport or travel documents abroad?

If you lose your passport, visa, driving license, or temporary permit while travelling abroad, Digit travel insurance will reimburse you for certain expenses, up to the limits mentioned in your policy schedule.

You’ll be covered for:

Fees paid to local authorities for getting an emergency certificate to continue your journey or return home.
Incidental expenses (up to USD 50) related to obtaining the emergency certificate.
Application fee for a duplicate passport once you return to your home country (paid in local currency).

To file a claim, you’ll need:

A written police report documenting the loss or theft.
Receipts for expenses related to getting the emergency travel document or duplicate passport/license.

Is Digit’s travel insurance claim process entirely online?

Yes, Digit’s travel insurance claim process is fully digital, without any paperwork. The process is designed to be quick and hassle-free. Simply give us a missed call, and you’ll receive a link to upload your documents online. You can then track updates and communicate with our claims team via phone or email.

What is the process to file a travel insurance claim with Digit?

To file a travel insurance claim with Digit, just drop a missed call at +91-7799022308, and we’ll call you back within 10 minutes. Once you’re connected, we’ll send you a link where you can upload all the required documents and your bank details. After that, we’ll process your claim at the earliest!

What documents are needed to file a Digit travel insurance claim?

The documents required to file a travel insurance claim depend on the type of claim being made. Each case, such as trip cancellation, flight delay, baggage loss, medical emergency, or theft, has its own specific documentation needs.

While some general documents like your travel insurance policy, ID proof, and travel tickets are commonly required, additional documents will vary based on the nature of the incident.

You can contact our support team at support.travelmobileops@godigit.com or hello@godigit.com, or by calling 1800-103-448 to get the exact documentation list required for your travel insurance claim.

What if my travel insurance claim gets rejected? Can I appeal?

If your travel insurance claim is rejected, you can raise a concern by first contacting our Grievance Redressal Team. They will review your case and assist you further.

If you're not satisfied with the resolution provided, you may escalate the matter to the Insurance Ombudsman. The Ombudsman provides an impartial avenue for addressing disputes related to insurance claims and can review your case for further consideration.

How long does Digit take to settle travel insurance claims?

For non-medical claims, such as common carrier delays, delays of checked-in baggage, or trip cancellations, the turnaround time (TAT) is typically between 1 to 3 days from the date all required documents are submitted.

Medical claims, which often demand more detailed documentation and verification, are generally processed within 7 days from the time all necessary documents are received.

It is important to note that these timelines apply to reimbursement claims. If you have opted for a cashless facility, settlements will be made directly to the hospital as needed.

I registered a claim with Digit. How can I track the claim status?

Once you have registered a claim with Digit, you will receive regular updates regarding its status via email from our team. Should you wish to proactively check the progress of your claim, you may contact us directly by writing to travelclaims@godigit.com.

How do I cancel my Digit travel insurance policy before the start date?

If you need to cancel your policy before the start date, you may do so by contacting us. You can reach us through email at support.travelmobileops@godigit.com or hello@godigit.com, or by calling our customer support line at 1800-103-448.

Can I get a refund for the cancellation of my Digit travel insurance?

If you choose to cancel your travel insurance policy before its start date, you are eligible for a refund. Please note that a deduction will apply: either ₹250 or 10% of the premium paid, whichever amount is higher, will be subtracted from your refund.

Can I cancel my travel insurance after the trip has started?

If you wish to cancel your travel insurance after the policy has commenced, you can do so by contacting us at support.travelmobileops@godigit.com or hello@godigit.com. Refunds are processed according to the policy’s terms and conditions, and will be calculated based on the number of days your policy has been active.

How do I contact Digit in case of a medical emergency while I’m abroad?

In case of a medical emergency abroad, you can contact Digit’s international helpline number +91-7799022308, available 24/7. The contact details are provided in your policy document and confirmation email as well.

My travel insurance claim was approved, but I haven’t received the money yet. What should I do?

Once you have submitted a claim under your policy, our team will provide regular updates regarding its progress. If you would like to check the status of your claim at any time, you can email us at travelclaims@godigit.com.

I travel abroad frequently for work. Does Digit offer a plan that covers multiple trips in a year?

Yes, Digit offers multi-trip travel insurance plans that cover unlimited international trips within a 12-month period. These plans are ideal for frequent business travellers and save time and money compared to buying separate policies for each trip.

If I get hospitalised abroad, can I get a cashless claim facility with Digit?

Yes, Digit provides cashless claim facilities at network hospitals abroad. In case of hospitalisation, you need to contact Digit’s emergency assistance team at +91-7799022308, which will coordinate with the hospital for direct billing. This helps you avoid out-of-pocket expenses during emergencies.

What documents do I need to buy Digit travel insurance for my international trip?

To buy Digit travel insurance, you typically need:

Traveller’s full name and date of birth
Passport details
Travel dates and destination(s)
Nominee information
No medical tests or physical paperwork are required. The entire process is online, and your policy is issued instantly.

What should I do if I fall sick during my trip and need to visit a hospital?

If you fall sick during your foreign trip, don’t worry. Help is just a call away. Reach out to Digit’s emergency helpline +91-7799022308 immediately, and we’ll guide you to the nearest network hospital and assist with starting your claim. It’s important to keep all your medical bills, prescriptions, and reports safely, as those are needed for documentation.

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FAQs about Digit's International Travel Insurance