Multi-Trip Travel Insurance Plans Online for Frequent Travellers

Multi-trip travel insurance is an annual policy covering multiple overseas trips within 12 months, as long as each trip stays within a set duration (typically 30, 45, 60, or 90 days per trip). Read more... It’s best for frequent travellers taking short, repeated trips, but not suitable for long stays beyond the per-trip limit or domestic travel. Read less

Multi-Trip Travel Insurance for Frequent Travellers

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What is Multi-Trip Travel Insurance? Who Should Opt? Why Choose Digit? Multi-Trip Plans What's not Covered? Benefits How to Buy? Key Features File a Claim Multi-Trip vs Single-Trip Visa Ease with Multi-Trip FAQs

What is Annual Multi-Trip Travel Insurance?

Multi-trip travel insurance is an annual travel insurance plan that covers multiple international trips under a single policy. This is a single plan that stays active for 12 months and protects you across all eligible trips taken during that period.

Each trip is covered up to a fixed maximum trip duration limit chosen at the time of purchase, such as 30, 45, 60, or 90 days per trip. It is mainly designed for frequent travellers, such as people who travel overseas often for work, family visits, or holidays.

What is a Trip Duration Limit?

The trip duration limit refers to the maximum number of consecutive days allowed for a single overseas trip under a multi‑trip travel insurance policy. Any trip that exceeds the selected duration limit falls outside the scope of coverage, even if the policy is otherwise active.

Who Should Buy Multi-Trip Travel Insurance? Is Multi-trip Travel Insurance Right for Your Travel? Key Features Coverage Multi Trip Plans Not Covered Multi-Trip vs Single Trip Insurance How to Buy? How to Claim? FAQs

Who Should Buy Multi-Trip Annual Travel Insurance?

Multi‑trip travel insurance is suitable for travellers whose international travel fits one or more of the following patterns:

Frequent business travellers who travel abroad multiple times a year for meetings or short assignments
Travellers planning multiple international holidays within a year
Professionals on short international assignments with repeated outbound travel

If you fall under any of these categories, a multi‑trip plan usually offers greater convenience and value.

Is Multi‑Trip Travel Insurance Right for Your Travel Style?

Travel Pattern	Multi‑Trip Insurance Fit
3–6 international trips a year, short stays	Good fit
Frequent business travel with multiple exits	Good fit
One long overseas stay (months)	Not suitable
Annual family vacation only	Single‑trip fits better
Unpredictable travel dates, short trips	Good fit
Continuous overseas residence	Not suitable

Why Annual Multi‑Trip Travel Insurance is Worth Buying?

Buying annual multi‑trip travel insurance is worth considering because:

Built for Multiple International Trips in a Year
It is designed for travellers who travel abroad several times annually, instead of buying separate insurance for every trip.
Helps Manage Recurring Travel Disruptions
It covers common repeat‑travel risks such as flight delays, baggage issues, medical emergencies abroad, and loss of essential belongings.
More Relevant for Frequent Travellers
International transfers, schedule disruptions, and higher medical costs abroad affect frequent travellers more than those who travel occasionally.
One Policy for the Entire Year
A single annual policy stays active throughout the year, reducing the need to buy insurance before every journey.
Coverage Applies Separately to Each Trip
Protection resets for every trip you take, subject to clearly defined per‑trip duration limits.

Key Features of the Multi-Trip Travel Insurance Plan by Digit

Key Features	Digit Benefit
Premium	Starting from ₹2999
Number of Trip	Unlimited trips in a year, subject to a maximum duration per trip
Trip Duration	30 days, 45 days, 60 days, 90 days
Eligibility	18 to 70 years of age
Claim Process	Smartphone-enabled process. No paperwork involved.
Claim Settlement	24x7 Missed Call Facility Available
Countries Covered	150+ Countries & Islands Across the World
Plans for All	Sum Insured of up to $5,00,000
Flight Delay Benefit	$25 per 4 hours (up to $100) automatically transferred to you on flight delays
Sub-limit Waive Off	Option to waive off sub-limits for age 56 and above
Emergency Cash Assistance	Emergency cash assistance of up to $1500 to help you in case you lose your money during the trip.
Covers Available	Trip Cancellation, Medical Cover, Flight Delay, Delay of Checked-in Baggage, Loss of Passport, Daily Emergency Cash, etc.

What’s Covered Under Digit’s Multi-Trip Travel Insurance Plan?

Digit’s multi-trip travel insurance plan is designed to cover many of the common risks that can disrupt an international trip, from medical emergencies abroad to baggage loss, travel delays, and passport-related issues. Depending on the plan selected, coverage can extend across medical, transit, trip disruption, and travel assistance needs.

Here’s a quick look at the major coverage areas included under the plan:

Medical Emergencies Abroad: Covers emergency medical expenses, hospitalisation, OPD expenses, and repatriation of remains when acute illnesses or injuries occur during the insured trip.
Trip Cancellation and Interruption: Helps if your trip is cancelled, abandoned, or extended due to covered reasons.
Flight and Travel Delays: Includes benefits for flight delays, common carrier delays, and missed connections.
Baggage-related Issues: Covers situations like total loss of checked-in baggage and delay of checked-in baggage.
Loss of Important Travel Documents: Includes support for loss of passport, driving licence, and temporary permit.
Emergency Financial Assistance: Provides benefits like daily emergency cash and emergency cash assistance during difficult situations while travelling.
Travel Inconveniences: Includes situations such as hijack distress allowance and bounced hotel or accommodation bookings, depending on the policy terms.
Additional Plan-based Benefits: Some plan variants may also include enhanced benefits or waiver-based features depending on the option selected.

Note: All coverage benefits, limits, sub‑limits, exclusions, and eligibility criteria are subject to the policy wording issued by the insurer and applicable terms at the time of policy issuance.

Annual Multi‑Trip Travel Insurance Plans by Digit

Digit’s multi‑trip travel insurance comes in two plans—one for travellers who take regular short international trips and want dependable coverage, and another for those who travel more often and prefer broader, enhanced protection. Both plans cover multiple trips under one policy for the entire year. Explore the plans below.

Frequent Flyer Plan

The Frequent Flyer Plan offers reliable financial protection for all your overseas trips within a 365‑day policy period. Whether you’re travelling for work, leisure, or last‑minute plans, this plan ensures you’re covered against unexpected medical expenses and travel‑related mishaps abroad.

Frequent Flyer Plus Plan

The Frequent Flyer Plus Plan provides added benefits over the Frequent Flyer plan. It’s ideal for travellers with a dynamic lifestyle who want broader and more robust coverage every time they travel internationally. The enhanced coverage includes home-to-home cover, escort of minor children, upgradation to business class, etc

Frequent Flyer

Frequent Flyer Plus

Medical Covers
Medical Treatment And Evacuation Exigencies	✔	✔
Accidental Treatment And Evacuation Exigencies	✔	✔
Personal Accident	✔	✔
Accidental Death And Disability Cover (Common Carrier)	✔	✔
Dental Treatment	✔	✔
Out-Patient Department (OPD)	✔	✔
Repatriation of Remains	✔	✔
Waiver of PED	✔	✔
Smooth Transit Covers
Total Loss Of Checked-In Baggage	✔	✔
Delay Of Checked-In Baggage	✔	✔
Missed Connection	✔	✔
Trip Cancellation	✔	✔
Trip Abandonment	✔	×
Trip Extension	✔	✔
Common Carrier Delay	✔	✔
Hijack Distress Allowance	✔	✔
Other Coverages
Loss Of Passport, Driving License And Temporary Permit	✔	✔
Bounced Booking for Accommodation	✔	✔
Bounced Booking for Common Carrier	✔	✔
Daily Cash Allowance	✔	✔
Personal Liability & Bail Bond	✔	✔
Home Building And Contents	✔	✔
Emergency Cash Assistance Service	✔	✔
Golfer’s Hole In One	×	✔
Extended Pet Stay	×	✔
Hazardous or Adventure Sports	✔	✔
Up-Gradation To Business Class	×	✔
Home to Home Cover	×	✔

Disclaimer: Coverage option suggested above is only indicative and is based on market study and experience. You may opt for any additional coverages as per your requirement. Please call us at 1800-258-5956 in case you want to opt for any other coverages or wish to know further details.

Frequent Flyer Plan

Best for: Regular travellers taking multiple short international trips in a year.

Price: Starting at ₹2,999 (excluding GST) for up to $250,000 sum insured for a 30-day trip per adult in a year.

Frequent Flyer Plus Plan

Best for: High‑frequency travellers who want enhanced protection without compromise.

Price: Starting at ₹3,999 (excluding GST) for up to $500,000 sum insured for a 30-day trip per adult in a year.

What’s Not Covered Under Digit’s Multi-Trip Travel Insurance Plan?

Like every travel insurance policy, this plan also comes with certain exclusions. Knowing what is not covered is just as important as understanding the benefits. Some of the key exclusions include:

Pre‑existing medical conditions are not covered by default under Digit’s multi‑trip travel insurance, unless explicitly stated otherwise in the policy wording or plan variant.
The daily cash allowance for up to 5 days is applicable only if you are hospitalized while on vacation in another country.
You're covered for adventure activities but only if they last for a single day. Longer activities, like treks or professional sports that take more than a day, aren’t included.
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 weeklong 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 4 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.

Note: It is always important to read the policy wording carefully before buying, especially if your trip involves medical concerns, visa uncertainty, or higher-risk activities. These exclusions can make a significant difference to what can and cannot be claimed later.

Read less

What is the Difference Between Multi-Trip and Single-Trip Travel Insurance?

The main difference between multi-trip and single-trip travel insurance is that if you travel internationally only once a year, single‑trip travel insurance may be sufficient. However, if you travel more than once a year, a multi‑trip travel insurance plan is usually more convenient and cost‑effective.

Here’re the key differences between multi-trip and single-trip travel insurance to help you choose the best option based on your travel frequency and needs.

Basis of Comparison	Multi‑Trip Travel Insurance	Single‑Trip Travel Insurance
Coverage Scope	Multi‑trip travel insurance provides coverage for multiple trips taken within a fixed period, usually one year, under a single policy.	Single‑trip travel insurance provides coverage for one specific journey, starting from the departure date and ending when the trip is completed.
Policy Duration	The policy remains active for 365 days, allowing you to take several trips during that period.	The policy is valid only for the duration of one trip, regardless of how long or short the journey is.
Number of Trips Covered	This insurance covers multiple international trips within the policy period, without requiring a new policy each time.	This type of insurance covers only one trip, even if you travel multiple times in a year.
Trip Length Limit	Multi‑trip insurance typically has a maximum trip duration limit per journey (such as 15, 30, or 90 days per trip).	Single‑trip insurance usually allows longer continuous stays, depending on the insurer and policy terms.
Best Suited For	This plan is ideal for frequent travellers, including business travellers and regular holidaymakers.	This plan is best suited for occasional travellers who take one international trip in a year.
Cost Efficiency	Multi‑trip travel insurance is generally more cost‑effective for people who travel more than once a year.	Buying single‑trip insurance repeatedly can become more expensive if you travel multiple times in a year.
Convenience	One annual policy provides continuous coverage, removing the need to buy insurance before each trip.	A new policy must be purchased before every trip, which requires repeated planning and documentation.
Flexibility	Travellers can take spontaneous or planned trips during the year as long as each trip meets policy conditions.	Coverage is limited to the declared travel dates and destinations of a single journey.

Pro Tip:

If you take 1 international trip per year, single‑trip travel insurance is usually more appropriate
If you take 2–3 international trips per year, compare total single‑trip premiums vs one annual multi‑trip policy
If you take 3+ international trips per year, multi‑trip travel insurance generally offers better value and convenience

How to Buy Multi-Trip Travel Insurance Plan with Digit?

Buying Digit’s Multi‑Trip Travel Insurance is quick and completely online. Here’s a simple step-by-step process you can follow to buy the plan.

Step 1

On the Digit app or website, select ‘multi-trip’ option, geography/country, number of travellers and date of birth, and click ‘View Prices.’

Step 2

Select the plan, sum insured and click ‘Continue.’

Step 3

Next, fill in your personal and nominee details, complete health declaration, click ‘Pay Now’ and complete the payment.

Step 4

You’re done! The policy document will be sent to you via email, SMS, and WhatsApp. You can also access it 24/7 on the Digit App.

Tips: If your trips usually last up to 30 days, the Frequent Flyer plan may be suitable. If you frequently travel for longer durations (up to 90 days), consider the Frequent Flyer Plus plan. You can choose your plan based on trip duration, coverage needs, and travel frequency.

How to File a Claim?

Filing a claim for your multi-trip travel insurance does not have to be a hassle. You live tension free as we have a 3-step, completely digital claims process!

Step 1

Give us a call at 1800‑103‑448 (if in India) or drop a missed call at +91-7799022308 & we’ll call back in 10 mins.

Step 2

Upload the required documents & your bank account details, on the link sent.

Step 3

We’ll take care of the rest!

Common Claim Situations for Frequent Travellers

If you travel often, claims typically arise from repetition risk, not one‑off events. Multi‑trip insurance is designed to handle risks such as:

Repeated flight delays or missed connections across multiple journeys.
Medical emergencies occurring mid‑year on a later trip.
Lost baggage during connecting international flights.
Trip curtailment on one of many trips within the policy year.
Document loss (passport, wallet) during frequent travel

Can I Renew My Digit Multi‑Trip Travel Insurance?

Yes, you can renew your Digit Multi‑Trip Travel Insurance to continue your coverage for another year. The policy does not renew automatically, so you’ll need to request a renewal in advance. Make sure Digit receives your renewal request at least 30 days before your policy expiry date to avoid any break in coverage. Renewal is usually offered, though the price or terms may change at the time of renewal.

If you need help with renewal or have any questions, you can email us at hello@godigit.com or call 1800‑103‑448, and our team will guide you through the process.

Things to Check Before Buying Multi Trip Travel Insurance

Before you decide on a multi‑trip policy, make sure these points apply to you:

You take several international trips in a year, not just one.
Every trip you take is short and within the allowed trip‑length limit in the policy.
You are not planning one long, continuous stay abroad.
You understand that coverage applies separately to each trip, not as one long journey.
You’re comfortable having one policy for the whole year instead of buying insurance for every trip.

If most of these points don’t fit your travel plans, a single‑trip travel insurance policy may be a better option for you.

FAQs about Multi-Trip Travel Insurance

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What happens if I exceed the maximum trip duration under my multi‑trip policy?

If a trip exceeds the maximum duration selected at the time of purchase, your coverage ceases from the day the limit is breached, even if the policy is otherwise active. In this case, claims arising after the allowed trip duration are not payable.

Are pre‑existing medical conditions covered under multi‑trip travel insurance?

Pre‑existing medical conditions are not covered by default under Digit’s multi‑trip travel insurance. Limited coverage may be available for certain medical conditions, subject to medical declaration and terms stated in the policy of wording issued by the insurer.

Does multi‑trip travel insurance cover domestic travel?

Digit’s multi‑trip travel insurance is designed primarily for international travel originating from India. Domestic trips within India are not covered unless explicitly mentioned in the policy wording.

Who should consider purchasing an annual multi-trip travel insurance plan?

This plan is ideal for business travellers, families, students, or any individual who travels frequently throughout the year. It saves time and money compared to buying insurance for each trip separately.

What types of coverage are included in these plans?

Coverage typically includes emergency medical expenses, trip cancellations, delays, loss of baggage, personal accident cover, and more. The specific coverages and limits vary between the Frequent Flyer and Frequent Flyer Plus plans.

How many trips can I take in a year under these plans?

There is no limit on the number of trips you can take during the policy period, as long as each trip does not exceed the maximum duration specified by your plan.

What is the maximum trip duration allowed under these plans?

The maximum trip duration allowed under the multi-trip travel insurance plans is 90 days for each trip.

Do the multi trip travel insurance plans cover both international and domestic trips?

The annual multi travel insurance plans are primarily designed for international travel from India.

What documents are required to apply for these plans?

Basic documents include proof of identity, address, and travel history. Specific documents like medical reports may be required depending on the plan and coverage level.

What happens if I need emergency medical assistance while travelling?

Both plans offer 24/7 emergency assistance services. You can contact the helpline number provided on your policy document for immediate support, including medical evacuation and hospital arrangements.

Can I file a claim on my policy if I overstay my duration abroad?

No, you cannot file a claim under your multi-trip travel insurance policy with Digit if you overstay your declared trip duration.

Can I extend the duration of a single trip under my multi-trip policy?

Some insurers allow extensions for individual trips, but this may require additional premiums. It’s best to check with your insurance provider.

Does multi-trip travel insurance cover business trips?

Yes, many multi-trip policies cover both leisure and business trips. However, coverage for business equipment or specific business-related risks may require additional coverage. Check with your insurer for confirmed information.

Can I cancel my multi-trip travel insurance policy?

Most insurers offer a cooling-off period (usually 14 days) during which you can cancel the policy for a full refund, provided no claims have been made. After this period, cancellation terms vary by insurer

How do I choose the best multi-trip travel insurance plan?

Consider factors such as coverage limits, exclusions, trip duration limits, and premium costs. Reading reviews and comparing multiple plans can help you find the best option for your needs

Not a Frequent Traveller? Explore Our Single-Trip International Travel Insurance

If you’re not hopping on a plane every month, a multi-trip policy might seem like overkill. That’s where a tailored, one-time international travel insurance plan steps in.

Why settle for more when you need just enough! 😃

Our single-trip insurance covers all your travel needs—be it medical emergencies, lost baggage, flight delays, or unexpected cancellations—without committing to a year-long plan. It's simple, straightforward, and fits perfectly into your travel checklist.