A creatively driven marketer shaping content strategies and development that balance SEO, storytelling, and brand goals. I'm currently making complex topics sound easy and relatable in the space of travel insurance, helping real people make smarter choices. When I’m not driving marketing outcomes, you’ll find me dancing, storytelling through photoshoots, or painting, because I believe great marketing, like art, should make people feel something.
I'm leading the Travel LOB and Motor (Online Partnerships) at Digit Insurance. I work closely with the underwriting, claims, actuarial, compliance, product, and tech teams to keep our travel products top-notch and running smoothly. I'm all about innovation and constantly tweaking our products and processes to keep up with the times. My goal is to make things more efficient and deliver awesome value to our customers.
International travel insurance is a financial safety net you buy before going on a foreign trip. From unexpected medical emergencies and flight delays to lost baggage or passports, travel insurance provides 24/7 assistance, ensuring global travel is stress-free and financially secure.
Travel insurance is a financial coverage that covers the costs when you end up in a hospital overseas, your flight gets cancelled, or your belongings go missing during your trip. It doesn’t prevent travel hiccups, but it protects them and lets you explore the world confidently with peace of mind.
Digit International Travel Insurance is designed to give you that confidence with a stress-free travel experience. It offers simple, flexible plans that cover everything from medical emergencies to passport loss, all with easy digital processes. With quick claim support and zero paperwork, it’s built to help you travel smarter, safer, and stress-free.
Yes, travel insurance is mandatory for visiting certain countries from India, such as those in the Schengen zone. While not all countries require it, having international travel insurance is highly recommended; it not only protects you from unexpected situations abroad but can also strengthen your visa application in many cases.
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!
If that’s a question you’ve been battling with, read on.
The best time to buy travel insurance is right after booking your international trip. This approach ensures coverage for the entire duration of your journey, including potential issues that may arise before departure, such as flight delays or cancellations.
Many travellers delay buying insurance thinking they can do it later, but the longer you wait, the more vulnerable you are to losing money or facing complications due to uncovered risks.
Here are some key reasons why early purchase is highly recommended:
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Vivek Chaturvedi
CMO Digit Insurance
International travel insurance is categorised based on the purpose of your foreign trip, its duration, the type of coverage and your needs. Here are some common types:
Medical Covers |
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Medical Treatment And Evacuation Exigencies If you fall ill during your trip and need emergency hospitalisation to save your life or relieve acute pain, we will cover:
(Up to the sum insured as shown in your policy)
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Accidental Treatment And Evacuation Exigencies If you get injured in an accident and need urgent hospitalisation, we’ll cover:
(Up to the sum insured as per your policy) |
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Personal Accident If you suffer an accidental injury that directly causes:
We’ll pay compensation as per your policy limits. |
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Accidental Death And Disability Cover (Common Carrier) Covers accidents while travelling in public transport like a plane, train, or bus, resulting in:
(Compensation as per policy limits) |
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Dental Treatment If you face acute pain or injury to your natural teeth during the trip, we’ll cover the cost of treatment by a qualified dentist, up to the policy limits. |
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Daily Cash Allowance If you’re hospitalised for more than 24 hours, we’ll pay a daily benefit for up to a maximum number of days as per policy. This cover will be extended for a maximum of 5 days. |
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Sub-Limits* Applicable only to members above 55 years for medical/accidental hospitalisation. If your claim amount for these coverages exceeds the sub-limit mentioned in the policy schedule, the extra amount has to be paid by you. Limits apply to:
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Maternity And Baby Cover Covers hospitalisation expenses for the delivery and vaccination of a newborn. |
×
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×
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Waiver of PED Option to waive pre-existing disease exclusion (subject to policy terms). |
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Smooth Transit Covers |
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Total Loss Of Checked-In Baggage If your checked-in baggage is permanently lost by the airline, we’ll pay compensation as per policy. |
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Delay Of Checked-In Baggage If baggage is temporarily delayed beyond the specified time, we’ll cover essential replacement purchases. |
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Missed Connection If you miss a pre-booked connection due to the delay of a common carrier, we’ll cover the extra travel expenses and accommodation costs to reach your next destination. |
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Trip Cancellation If your outbound journey is cancelled due to the listed reasons, we’ll reimburse you:
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Trip Abandonment If you have to cut short your trip or return early, we’ll cover:
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Trip Extension If your return is unexpectedly delayed, we’ll reimburse:
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Common Carrier Delay If your flight/train is delayed beyond the specified time, you’ll receive a fixed amount for every additional block of delay as per policy. |
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Hijack Distress Allowance If your mode of transport is hijacked, we’ll pay a daily distress allowance (must be officially confirmed). |
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Other Coverages |
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All Risk Cancellation Charges We cover the non-refundable, pre-paid, or contracted-to-be-paid portion of the booking amount up to the policy limit if you cancel tickets due to unforeseen events beyond your control. |
×
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×
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Loss Of Passport, Driving License And Temporary Permit We pay for expenses (as per policy) if your passport, visa, or driving license is lost, stolen, or damaged, preventing trip continuation. |
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Bounced Booking for Accommodation If your hotel booking is denied due to overbooking or any other issue beyond your control, we will reimburse:
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Bounced Booking for Common Carrier If your airline, train, or bus is unable to honour your prepaid booking due to overbooking or similar reasons, and you’ve opted for this cover:
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Compassionate Visit If you’re hospitalised during your trip, we will cover the travel and stay of one close family member or friend who comes to be with you:
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×
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Loss Of Baggage And Personal Belongings We cover the loss or damage of your accompanying baggage and personal items due to theft, robbery, larceny, or holdup during the trip.
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×
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×
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Personal Liability & Bail Bond The insurer will cover legal and financial liabilities if you accidentally cause harm to someone or their property during your trip:
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Home Building And Contents If your home (at the address listed in your policy) suffers loss or damage while you’re away, the insurer will reimburse:
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Emergency Cash Assistance Service If your money or luggage is lost due to theft or holdup, the insurer will:
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Financial Emergency Cash If you’re left without any travel funds (cash, cards, travellers cheques) due to theft, robbery, or dacoity, the insurer will reimburse you for the lost amount, provided:
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×
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×
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Golfer’s Hole In One If you hit a hole-in-one at a USGA-recognised golf course (outside India), the insurer will pay a fixed amount to cover your celebration expenses, as per the policy. |
×
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Fraudulent Charges Cover If your payment card is lost or stolen during the trip, you’ll be reimbursed for any unauthorised charges made up to 12 hours before you reported the loss to your card issuer. |
×
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×
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Extended Pet Stay If your return journey is delayed by more than 24 hours, the insurer will cover the extra cost of keeping your pet at the pet boarding facility back home, up to the policy limit. |
×
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Hazardous or Adventure Sports If opted for, it covers participation (under supervision) in activities such as trekking, scuba diving, etc. Coverage includes:
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Escort Of Minor Child If you are hospitalised during your trip, we will cover the economy class travel costs for one immediate family member, relative, or friend to escort up to two minor children, as well as the return travel expenses for the children, up to the policy limits. (As long as hospitalisation does not occur within 3 days of the trip’s end). |
×
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Upgradation To Business Class If you’re seriously ill, we’ll pay up to the sum insured mentioned in the policy for upgrading your return ticket to business class from the place of hospitalisation. |
×
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Study Interruption If you have to discontinue your planned studies during the covered period unexpectedly, we will reimburse you up to the sum insured for:
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×
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×
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Accident Of The Sponsor If your sponsor named in the policy dies or is permanently disabled, we’ll cover:
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×
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×
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Inter-Collegiate Sports Cover Medical & accidental injury coverage extended to college sports injuries sustained during the policy period. |
×
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×
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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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×
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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.
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:
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Enter Your Trip Details
Hop onto the Digit app or website, select your destination, number of travellers, and date of birth. Then, hit ‘View Prices’.
Choose Your Plan
Now, you can view the plans, select the one that is perfect for you, set your sum insured, and click ‘Continue.’
Fill, Confirm & Pay
Next, fill in your personal and nominee details, complete the health declaration, click ‘Pay Now’ and complete the payment.
Done & Delivered!
That’s it! Your policy arrives via email, SMS, and WhatsApp. Need it later? It’s always on the Digit App!
Finding the right travel insurance is easy when you know what to check! Follow these steps to compare quotes like an expert.
Getting a travel insurance quote on the Digit app or website is quick and hassle-free! Just follow these 4 simple steps:
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:
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After you buy our international travel insurance plan, you live tension free as we have a 3-step, completely digital claims process!
Step 1
Give us a call at 1800-258-5956 (if in India) or drop a missed call at +91-7799022308 & we’ll call back in 10 mins.
Step 2
Upload the required documents & your bank account details, on the link sent.
Step 3
We’ll take care of the rest!
When it came to travel insurance specifically, Digit showcased a high-efficiency Claims Settlement Ratio (CSR), with 100% of travel claims settled seamlessly and we make this simple with,
Digit has maintained a 100% claim settlement ratio for travel insurance over two consecutive years - FY 2024-25
What started as an adventurous bike ride in Bali turned into a medical emergency for 27-year-old Guneet Kaur Dang. A serious fall led to a fractured femur, requiring urgent surgery and hospitalisation.
Fortunately, Guneet was covered under our Digit Travel Insurance, which included emergency accidental treatment and evacuation.
We stepped in fast and settled the claim of ₹11.51 lakh, ensuring she received timely care without any financial burden. This stands as our highest-ever travel insurance payout, proving once again that when things go wrong abroad, we step in fast and we step in big.
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!
The below information is a summary of escalated claim cases reviewed by the Hon’ble Ombudsman in FY 2024–25.
Disclaimer: ^This data pertains to cases reported to various offices of the Hon’ble Insurance Ombudsman. Customers have the option to approach the Consumer forum as well; #Only includes complaints arising from claims. The company had a total of 11 complaints arising from non-claims, i.e., policy-related grievances (5 won, 2 settled, 1 lost and 3 outstanding). One non-claim complaint where the decision went in favour of the complainant is not included in the numerator while calculating claims accuracy.
Let’s face it. Claim rejections usually don’t happen out of nowhere. They’re often the result of misunderstanding coverage, missing paperwork, or small mistakes made in a hurry. That’s why we’ve designed everything at Digit to help you avoid those bumps altogether. Here’s how:
If you are a student flying abroad for higher education, you may face unexpected issues, like a flight delay just before departure, baggage getting misplaced during transit, or even a sudden medical emergency shortly after arrival. These situations not only cause stress but also lead to high, unplanned expenses—especially in countries with expensive healthcare or strict travel rules.
To help you avoid such setbacks, student travel insurance offers financial protection against a wide range of risks.
Watch the video below to understand what student travel insurance is and how it can support your study abroad journey!
Whether you're heading to the US, UK, Canada, or any other country, student travel insurance is a smart and essential choice for Indian students planning to study overseas.
Why pay more when you can save smartly? Here are some quick hacks:
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 |
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 |
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.
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!
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Have queries related to Digit travel insurance policy? You can refer to our Policy Wordings for detailed information or reach out to our support team via WhatsApp self-support, email or phone using the information below:
Connect with our self-serve chat bot support - 7026061234
Write to us at travelclaims@godigit.com
Contact
Give a missed call on +91-7799022308
(This is a missed call only number for customers dialing from outside India)
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