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Multi Trip Travel Insurance

What is Multi-Trip Travel Insurance?

With the rise of affordable vacations thanks to homestays and home swapping, there has been a rise in the number of vacations and trips individuals make over the course of a year. No longer is a trip just about the annual family vacation anymore. Short getaways and breaks are also gaining in popularity, with everyone from students to pensioners jet setting off on a whirlwind trip every once in a while. The number of people travelling for business has also seen a rise, contributing to a significant chunk of revenue for the travel industry.

Whether you’re travelling for business or pleasure, you would want your trip to go off without a hitch. Flight delays or cancellations, lost baggage or accidents could mar even the best-planned trip. To avoid having to run around and shell out a small fortune to rectify these issues, you could opt for travel insurance. By signing up for it, the burden of cost for such mishaps would fall on the insurer, so you can focus on just the purpose of your trip.

For frequent travellers, annual multi-trip travel insurance would be the ideal solution. Every trip taken in the year would be covered under the plan, a convenient alternative to taking out a travel insurance policy each time you travel.

Features and Benefits of Multi-trip Insurance:

  • Unlimited number of trips: multi-trip insurance would provide you will coverage for an unlimited number of trips in the given year.
  • Cost saving: Even if you travel only twice or three times a year, taking out a multi-trip travel insurance would be a better option as you would not have to pay for travel insurance twice or thrice.
  • There are chances you could fall ill while on your trip, resulting in you needing to visit a doctor or a hospital. Medical costs abroad are prohibitively expensive, and your entire budget could be spent on paying medical bills. With travel insurance, certain basic medical expenses are covered, so you would not have to pay a hefty amount to be treated.
  • In case of loss of passport, the insurer would cover the cost of a replacement.
  • If your checked-in luggage is lost by the airline, you would be compensated the total cost.
  • The insurer would compensate in the event of death or permanent disability arising out of an accident while travelling aboard a common carrier.
  • You would be reimbursed the expenses you incur if you miss a connecting flight as a result of a delay of more than 3 hours.
  • If you lose your money while travelling, insurers would provide you with access to funds.
  • If a trip is cancelled or postponed because of medical reasons, due to the airline, natural disasters or reasons arising for personal employment factors, the insurer would reimburse you expenses incurred.
  • Insurance in the event your home is burgled while you’re abroad on travel.
  • If your trip is delayed by more than 12 hours due to natural disasters, the airline, personal employment reasons or medical factors, you would be compensated for expenses you incur.
  • Costs incurred due to transportation of the insured’s mortal remains in the event of his/her untimely death while travelling.
  • Expenses incurred during an emergency medical evacuation to India.
  • Some insurers allow you to club your family’s travel insurance under a comprehensive plan, thereby reducing the cost of insurance premiums.
  • In the unfortunate incident that your plane is hijacked, you would receive compensation from the insurer for the distress caused to you.

Note: The above features are indicative of the various covers offered by travel insurance companies, and are subject to inclusion/exclusion depending on the policy and insurer chosen.

Best Multi-trip Travel Insurance Companies:

  • Reliance General Insurance
  • Tata AIG
  • Bajaj Allianz General Insurance
  • ICICI Lombard
  • Cholamandalam MS
  • Future Generali Insurance
  • Bharti AXA Travel Insurance
  • Apollo Munich Travel Insurance Plans
  • Royal Sundaram Travel Insurance
  • SBI General Travel Insurance
  • Max Bupa Travel Insurance
  • Aegon Religare Travel Insurance

Multi-trip Tavel Insurance Policy Eligibility Criteria:

The eligibility criteria for multi-trip travel insurance varies from one insurance company to the other. Travellers can choose a annual multi-trip travel insurance policy if they are between the ages of 3 months to 70 years. However the eligibility differs for certain countries. For example, Schengen countries allow a multi-trip travel only for travellers up to 50 years of age. Those above 50 years of age who wish to travel to those countries would have to purchase a single-trip travel insurance policy.

Multi-trip Travel Insurance Plan Exclusions:

There are a list of exclusions that would not be covered under a travel insurance policy, which are listed below:

  • Pre-existing medical conditions and claims arising out of them are not covered.
  • Expenses due to suicide attempts or self-inflicted injuries, mental disorders, HIV/AIDS, anxiety or depression.
  • Expenses incurred as a result of alcohol or drug abuse
  • Treatments like naturopathy, Ayurveda or homeopathic treatments.
  • Expenses incurred when travelling to receive medical treatment.
  • Travelling against medical advice
  • Nuclear threats or a state of war in the country being visited.
  • Any lost property that has not been reported to the local police.
  • Partial loss or damage to checked-in luggage.
  • Expenses incurred due to participation in potentially harmful or hazardous activities.
  • Sport activities

Multi-Trip Travel Insurance Claim Process:

  • In case you have to undergo medical treatment while travelling, it is advisable to check if it would be covered under the policy you opt for.
  • In the event of theft or your property being stolen, lodge a complaint at the local police station and keep a copy of the report. The insurance company will require you to submit it while filing your claim.
  • Call the insurance company as soon as possible. Most insurers can be reached through toll free numbers or you could also file your claim by email, the details of which would be mentioned on the policy. Some insurers have tie ups with global firms to settle claims overseas.
  • Generally the insurance representative would take some basic details about the incident and send you a claims form to be filled out. It is advisable to stick to the truth when filling in the form and provide supporting documents wherever necessary. In the case of theft, you will have to submit a copy of the police report, for lost baggage this would be the “property irregularity” form from the airport.
  • On sending the claim form and additional documents, the company would assess the claim. This process takes around 15 working days, and you will be notified as to the status of your claim by the company.
  • If you have chosen a policy by Reliance Insurance, for example, and you have misplaced your passport or it has been stolen, you will have to file a complaint at the nearest police station, and report to the Indian embassy. You should also notify the company immediately. You would also be required to submit copies of your air tickets as well as the police report, after which Reliance would cover the cost of expenses incurred to issue a new passport.

Multi-trip Travel Insurance Plan FAQs:

  1. What medical emergencies are covered under the medical claims?

    Generally, in-patient and out-patient services are covered under the travel insurance policy, if they cannot be deferred until a return to India. Any treatment recommended by the doctor at the hospital such as X rays, tests, and other diagnostic tests are covered. Ambulance and transportation to the hospital charges will be covered as well.

  2. What are the medical exclusions under the policy?
    • Pre-existing medical conditions
    • Treatment that can be delayed until the policyholder is back in India. This would be decided by the physician and the insurance company.
    • Cancer treatment costs, unless they are emergency measures necessary to save the policy holder’s life or relieve pain.
    • Pregnancy or childbirth related expenses.
    • Cosmetic or plastic surgery expenses.
    • Expenses related to recuperation at a resort or spa
  3. Can I file a claim once I return to India?

    Yes, you can also file a claim on returning to India, provided it is filed within 30 days of your return or the end of the particular trip under your multi-trip insurance policy.

  4. How do I find the best multi-trip travel insurance policy?

    You could visit a site like BankBazaar to compare and get the best quotes on multi-trip travel insurance policies.

  5. Can I apply for an insurance policy online? What is the procedure?

    Yes, you can apply for a travel insurance policy online. You would have to provide details on your trip, listing the countries you would be travelling to, along with your contact details such as name as per passport, date of birth, mailing address, Indian telephone number as well as passport number.

  6. What is the limit on the claims I can make while travelling?

    Since every insurance company would have different limits, for a list of the maximum amounts that would be reimbursed for a claim, you should refer to the guidelines in the policy document.

  7. If I extend my trip, would I be able to extend my travel insurance?

    Yes, you can extend your insurance in the event of your trip being extended. You will be required to submit an “Extension Form” a few days prior to the scheduled end of the particular trip and your insurance will be extended for the specified period.

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Travel Insurance Reviews

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  • review
    0.5 3.5/5 "Pretty good"
    I am having my Air policy with HDFC ERGO and they are giving good benefits for Air accidents and luggage loss. I did not speak to the customer care. They have charged me something around 1000rupees for 1year. I have no claim experience and yet to go through with the benefits.
    Was this review helpful? 20
    , kolkata
    Reviewed on Oct 08, 2019
  • review
    "Average Policy"
    0.5 5.0/5 "Blown Away!"
    I bought my travel insurance from ICICI Lombard and my company people has selected this policy since I'm working in a on site location. The coverage value of Rs. 1 crore since my company is paying the premium amount, i'm not sure about it. I do not have any claim experience. I don't need get any chance to speak with customer care service so far.
    Was this review helpful? 19
    , bangalore
    Reviewed on May 21, 2019
  • review
    "Its Good"
    0.5 5.0/5 "Blown Away!"
    I have two wheeler policy Bajaj Allianz, last time I paid the premium of Rs.1000 for one year. I have Activa bike its around seven years old it got insured with them. There was no claim experience, they give me reminder call on time and also during renewal I get the paper.
    Was this review helpful? 23
    , bangalore
    Reviewed on Apr 30, 2019
  • review
    "Good protection for luggage"
    0.5 4.0/5 "Great!"
    I generally take Travel insurance with Bajaj , the premium is around Rs.49, I take the policy through the travel agencies for flight booking. They give luggage coverage, if I lost the luggage they will do claim settlement, they used to give acknowledge for the policy. They don't have medical cover in this plan.
    Was this review helpful? 23
    , hyderabad
    Reviewed on Dec 07, 2018
  • review
    "Enjoy your travel experience without any fear. "
    0.5 4.0/5 "Great!"
    I have bought my travel insurance with ICICI Lombard. They have charged me a good amount but they have deducted twice. When i asked about this, i did not a proper response from them. They have very good insurance amount covered with. Its easy to take the policy. I'm buying the policy whenever i travel and i'm planning to buy the policy for an year since I'm often traveling.
    Was this review helpful? 20
    , new delhi
    Reviewed on Dec 02, 2018
  • review
    "travel insurance is very nice"
    0.5 3.5/5 "Pretty good"
    i found the travel insurance reviews useful and thoughts are so useful to take the final decision of the production and the way people are expressing there thoughts is really awesome and make to decide.reviews are always very helpful if it is good or bad
    Was this review helpful? 15
    , bangalore
    Reviewed on Nov 26, 2018
  • review
    "Worst Insurance provider ever "
    0.5 0.5/5 "Unacceptable"
    Hello,, I recently took a travel insurance from Royal Sundaram General insurance for my Thailand trip,,, Unfortunately I encountered sea urchin Bite when I was in Phi Phi Island so wanted to assure myself by consulting a local physician ,, so got an appointment with the local doctor and got the necessary treatment and he billed me about 8000 INR and gave me the proper receipt and case sheet ,, Then I applied to Royal Sundaram General insurance for reimbursement after returning to India,, They initially tried to decline my insurance claim by asking some of my documents that are not even mentioned in the policy claim form but I sent them all the documents they asked and this cost me about 600 INR for courier charges,Finally after all this hardship I have received a reply that my claim could not be processesed due to Low Bill amount which was neither mentioned in my insurance form nor informed me prior to the trip ,, And this is really a silly reason,,so never believe this scumbags
    Was this review helpful? 36
    , madurai
    Reviewed on Oct 31, 2018
  • review
    0.5 3.0/5 "Satisfactory"
    I am holding the two wheeler policy with the NEW INDIA ASSURANCE and the process of getting this policy is easy and i have been using this policy from last 3 months. The policy coverage is for the 3rd party insurance includes. I have not experienced the claim in this policy.
    Was this review helpful? 15
    , hyderabad
    Reviewed on Oct 16, 2018
  • review
    "Good policy to use"
    0.5 4.0/5 "Great!"
    I have got the Travel insurance policy from the ICICI LOMBARD GENERAL INSURANCE company around 2 years ago. the customer support service is good with the ICICI Lombard. This policy covers myself and this policy has the coverage of Rs,15,00,000 and I am satisfied with it.
    Was this review helpful? 13
    , hyderabad
    Reviewed on Apr 04, 2018
  • review
    "Claim was rejected becuase of unnescceary reason"
    0.5 0.5/5 "Unacceptable"
    I have taken a travel insurance policy for 53 days from iffco tokio and baggage got delay on the fight on the last day of policy expiration. When I try to do the claim, they are giving different excuse to give the claim. Very poor claim service. I will not recommend this insurance company to anybody.
    Was this review helpful? 22
    , new delhi
    Reviewed on Jan 26, 2018
  • review
    "Very easy to get."
    0.5 5.0/5 "Blown Away!"
    It was nice of these insurance providers that they have given travel insurance for my Tour to Germany at very low cost. The benefits offered were very nice at the reasonable charges. I had face no issues in getting the insurance document timely. They are very punctual.
    Was this review helpful? 17
    , thane
    Reviewed on Oct 09, 2017
  • review
    "Good for travelers"
    0.5 4.0/5 "Great!"
    Whenever I go to abroad, I take travel insurance only using my ICICI lombard. They immediately send me the policy copy. When I went to Turkey I lost my laptop, I claimed the lost amount from ICICI lombard they processed the reimbursement within a certain time period.
    Was this review helpful? 16
    , bangalore
    Reviewed on Aug 31, 2017
  • review
    "RELIGARE HEALTH Travel Insurance"
    0.5 4.0/5 "Great!"
    Religare Travel Insurance Explore is indeed the best travel insurance policy in the markets these days, it offers me a peace of mind while I travel. I work in a job involving high stress levels and I often go for adventure sports. I travel worry free because religare is there.
    Was this review helpful? 12
    , bangalore
    Reviewed on May 19, 2017
  • review
    "Pathetic disbursal policy- rather not take an insurance"
    0.5 0.5/5 "Unacceptable"
    Please do not buy ICICI Lombard Travel insurance for any foreign or domestic travels.They charge very high premiums but do not pay out genuine claims. I had paid a very high premium (approx.. INR 15000) for my father's travel insurance who was coming to UK for a short trip. Unfortunately, he had a cardiac arrest in UK and had to be admitted in hospital. It must be noted that he did not have any prior heart conditions. I have proofs of ECG just before his travel and doctor's diagnosis to prove that. The interesting part is: ICICI Lombardâ??s claims settlement has been outsourced to a company called FGA (Falcon India). Now their incentives are based on minimal disbursal, due to which they tend to reject even the genuine claims. Disgusting Part: A doctor representing ICICI Lombard was sent to assess the case post incident and he indicated some money to be paid to him for a report supporting the claim. When my parents refused to pay any money, a false report was prepared
    Was this review helpful? 35
    , kolkata
    Reviewed on Mar 03, 2017
  • review
    "Fantastic experience"
    0.5 5.0/5 "Blown Away!"
    Very quick response from Customer care team and detailed explanation provided about the product and executive was very enthusiastically answered all the queries with great level of patience, customer care team contacted multiple times basis the requirement ...overall it was very nice experience .
    Was this review helpful? 15
    , gurgaon
    Reviewed on Jan 15, 2017
  • review
    "Excellent services"
    0.5 3.0/5 "Satisfactory"
    Found ICICI Lombard as best for the travel insurance and all the times I prefer this company as whenever I travel. The online portal is simple and quick to enroll the policy. Death coverage is decent and good. This is like one time payment and we can choose duration according to our travel.
    Was this review helpful? 10
    , hyderabad
    Reviewed on Oct 27, 2016
  • review
    "Religare only want new business - good luck with renewal"
    0.5 0.5/5 "Unacceptable"
    Religare is only interested in new business and not care about renewal travel insurance . Their customer care email (ironically customerfirst ?!?!?) is very badly programmed...everytime (even response to quick response) creating new case so they have excuse for new SLA to response. They don't understand that, customer is in foreign country and having risk of heavy fine/medical charges in case of not travel insurance in case of required renewal. My insurance was going to expired (which is already) on 23-Sep-2016 and I sent them renewal request on 20-Sep-2016 and on 21-Sep-2016 signed extension form but yet not received any communication back. More frustrating is, they don't have customer care phone number which can be reachable from outside India (as they have 1800- number). I will not go for them in future.....and advice other too if they have change of extension on trip.
    Was this review helpful? 14
    , mumbai
    Reviewed on Sep 24, 2016
  • review
    "Really good"
    0.5 4.0/5 "Great!"
    I have taken a Travel Insurance from HDFC as I am frequent traveler. It has an accidental cover of around Rs.50 lakhs which is valid internationally as well. I pay the insurance through annual premiums online. I took this two years back and the customer service was good.
    Was this review helpful? 9
    , bangalore
    Reviewed on Mar 19, 2016
  • review
    0.5 5.0/5 "Blown Away!"
    If I pay the premium for first year, I no need to pay the premium for three years. As this travel insurance was offered when I availed car loan. If there any accident happens while traveling the HDFC Ergo cover our hospital fee. Another option is there as they pay three months emi if we lost our job.
    Was this review helpful? 10
    , bangalore
    Reviewed on Feb 20, 2016
  • review
    "Don't buy reliance"
    0.5 0.5/5 "Unacceptable"
    Because of cancelled flight, I missed my connecting flight. Had to make fresh arrangements. On trying to claim, they say no flight or taxi charges will be refunded, its only for food and stay ( normally any Arline's will provide if they cancel) Now finally they have stooped down to a level saying... The policy document (u get after you purchase policy by making payment) doesn't say it will cover missed flight, when asked its in broucher, " our terms and conditions gets modified after the payment is made" by SWARUPA MARTIN claims officer. So my suggestion is reliance don't cover missed flight, try other insurance... Its worst of all.
    Was this review helpful? 37
    , mangalore
    Reviewed on Feb 20, 2016
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