Annual Multi-Trip Insurance

Annual Multi-Trip insurance could save both time and money if one loves to travel or their work requires frequent travelling. These are specially designed for frequent fliers and have special advantages. It can cover several trips up to a maximum of 30 days in a year with the same comprehensive level of cover letting the traveller go abroad with peace of mind, knowing that they have the policy to take care of any kind of eventuality.

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    What is Annual Multi-Trip Insurance?

    Also known as annual travel insurance, those travellers who need to make frequent trips abroad can save both time and money using these plans. Unlike single trip plans that offer protection only for a fixed duration, there isn't any restriction on the number of trips taken and the traveller is offered coverage under the multi-trip travel insurance.

    These policies are best suited to people working in a multinational company or with a business of their own that requires frequent travelling. Other than necessary expenses such as flight tickets, accommodation and food, securing oneself under a travel insurance plan is equally important. They will offer all-around coverage and offer help in case of any medical or travel-related emergencies.

    Why Choose Annual Multi-Trip Insurance?

    Here is a list of advantages of annual multi-trip insurance:

    • Provides cover for any or all the trips throughout the year. Last-minute trips can be opted for without hesitation as all uncertainties will be covered.
    • Provides an automatic cancellation cover for all the trips in a given year. This means that if a trip is cancelled due to any reason, the insured can claim the cost of missed flights and hotels from the insurer.
    • It saves extra cost and hassle of buying travel insuranceduring each trip.
    • It covers overseas medical emergency expenses and reimburses for lost or damaged baggage.
    • Offers easy renewability, financial support and clearance of documents.
    • Provides several add-on optionals like adventure sports cover, etc.

    Know More About Benefits of Annual Multi-Trip Travel Insurance

    Features of Family Travel Insurance

    There has been a steady increase in people travelling frequently for work and leisure. Many countries require visitors to have a relevant international travel health plan to ensure their safety and well-being in case something goes wrong while they're abroad. For people going on trips frequently and often urgently, buying a plan may only be a burden.

    This is where an annual multi-trip insurance plan will come in handy. Take a look at some of their best features:

    • Covers Flight-related Contingencies: In case a flight gets delayed or a connecting flight gets cancelled, the insurer will offer compensation for the inconvenience.
    • Free Look Period: This feature is only available with annual plans; in case of any objections to the policy the insured person can cancel the policy within the first 15 days of buying the policy.
    • All-round Coverage: From medical expenses to evacuation costs, the policy will cover everything to keep the insured safe.
    • Personal Liability: In case the insured needs to compensate the third party because of some accidental damage or harm caused by them, the insurer will cover these costs.
    • Grace Period: Another special feature of the annual multi-trip insurance policy, is if the insured is unable to pay the due premium on time for renewal. They are usually offered 30 days after the due date to continue getting covered under the policy.

    Fast Facts: Annual Multi-Trip Travel Insurance




    18 to 70 years by most insurers



    Coverage Duration

    30-60 days in a year by most insurers


    Medical and Hospitalisation Expenses, Dental Expenses, Luggage Delay or Loss, Passport Loss, Missed Connection, Flight Delay and Cancellation

    Grace Period

    30 days

    Free Look-in

    Available, usually for 15 days

    Annual Multi-Trip Travel Insurance Eligibility Criteria

    Annual multi-trip travel insurance is designed for the people who travel thrice or more in a year. Commonly the cover period ranges from 20 to 30 days of consecutive travel per trip. However, a few insurers offer extended periods of travel up to 60 days or more, but that might be applicable to some extra costs.

    Any Indian citizen who needs to travel abroad more than 2 or 3 times a year can opt for this policy to avoid buying individual plans before each trip. These plans also offer worldwide coverage to people between the age bracket of 18 and 70 years. However, the eligibility may vary as some insurers also offer these plans for minors who may need to travel abroad frequently.

    Things to Consider Before Buying Annual Multi-Trip Travel Insurance

    Both single-trip insurance plans and annual multi-trip insurance plans have their specific benefits. Keep these things in mind before buying an annual travel insurance policy:

    • If it is beneficial if the individual needs to travel often to different places
    • If the individual has several numbers of days to travel
    • If the individual will require worldwide coverage and unpredictable travel plans abroad
    • If the person wants to save time and minimise documentation
    • If the insured person wants simple and easy procedure in case of claims

    Coverage under Annual Multi-Trip Insurance

    The level of coverage varies from plan to plan and insurer to insure. However, on a general basis, the policies include medical cover, loss of baggage cover and cancellation cover. There are a few more covers in the form of comprehensive plans such as cover for valuables, holiday money, personal accident/liability cover, legal expenses cover and scheduled airline failure insurance.

    Medical Cover

    It covers the medical expenses incurred by the insured or their family members in case of any emergency due to any sudden illness, death or injury while travelling abroad. Expenses made for emergency evacuation to India in case of a medical issue are also covered by the insurer.

    Expenses incurred for transporting the mortal remains of the insured back to their home or burial expenses abroad in case of an untimely death; anaesthetic dental surgery due to injury; injury due to accident; and compensation for permanent disablement or death while travelling as a passenger in the common carrier are all covered under this insurance.

    Personal Liability

    Personal liability coverage provides protection against liability towards any loss caused to a third party. This cover is especially beneficial for people travelling with kids.

    Cancellation Covers

    This cover helps in saving flight expenses and hotel bookings in case a trip gets cancelled. However, the cover amount should be so decided that it easily covers all the expenses, including the cost of prepaid excursions.

    Baggage and Personal Possessions Cover

    This covers the cost of lost or damaged baggage in transit. However, while deciding the amount of this cover, also consider the cost of valuables inside the baggage, such as a camera or laptop.

    Cover for Lost Passport

    This covers the cost incurred for obtaining a new or a duplicate passport in case the insured loses their passport.

    For an additional premium, the policy can be customised by choosing cover options for:

    • Sports cover for adventurous and risky activities like skiing, skydiving, paragliding, ski run-walking, and snowboarding. This also includes extra cover against injury and damaged or stolen equipment used for participating in the activity.
    • Excess waiver covers so that the insured doesn’t need to pay any part of any claims that are made. In case of an injury happening as a result of voluntary manual work, the excess waiver option will not be applicable.
    • Opting for the 60-day cover benefit is the most advantageous option as it offers an extended period of cover. Under these trips, up to 60 days or more are covered.

    What’s Not Covered in Annual Multi-Trip Insurance?

    Along with knowing the coverage options under an annual multi-trip insurance plan, it is very important to know and understand the exclusions as well. Here are a few examples of what is not covered under the annual multi-trip policy:

    • The insured wouldn’t be covered for any pre-existing medical condition, unless it is a very serious or life-threatening disease
    • Any expense arising out of the following situations will not be covered
      • Suicide or attempt to suicide
      • Venereal diseases
      • Self-inflicted injuries or illnesses
      • Stress, depression, or anxiety
      • Any mental ailment
      • HIV AIDS
      • Alcohol or drug abuse
    • Any eventualities if travelling against the advice of the doctor
    • Any expenses will not be covered if travelling to get treated abroad
    • No coverage will be provided if the insured is suffering from a terminal disease
    • Any expenses incurred due to theft or loss of passport due to carelessness or negligence or if the loss or theft is not reported to the local police.
    • Coverage will not be provided for the circumstances arising out of war or nuclear threat in the country where the insured is travelling
    • Any expenses related to any kind of emergency after the insured has returned to India, will not be covered under this insurance

    Annual Multi-Trip Travel Insurance Claim Process

    Raising a claim under annual multi-trip insurance is easy, be it abroad or once the insured is back to India. All the insured needs to do is to keep the relevant documents handy and stay in touch with their insurer so that they can navigate through these emergencies.

    Most companies take 15 to 30 days to settle a claim, however, in the case of cashless hospitalisation or payment post-approval, they are settled abroad once all the documents have been received and assessed by the Assistance Service Provider.

    If raising a claim after returning to India, don't forget to do so within the stipulated time frame. This is usually 30 days from the date of return of the insured, after which the claim may be rejected.

    In case of loss, theft or other situations requiring compensation, it's necessary to lodge an FIR and inform the insurance provider at the earliest. Before making a claim, make sure to have reported the lost or stolen item to the police within 24 hours of the loss or theft.

    How to Choose/Buy Annual Multi-Trip Travel Insurance?

    Here are some important tips to use before taking out a policy:

    • Always disclose any pre-existing medical conditions (if any) while buying the policy, and also any new medical complications faced during the policy term. This will avoid any rejection of claims later and give a proper estimate of the travel insurance premium.
    • To get the full benefits out of the cancellations cover, buy the policy in advance, and check if there are any exclusions or excess on the policy.
    • Don’t forget to compare different travel insurance plans online on to get the best plans under a budget.
    • Ensure fact-checking such as the reputation of the insurance provider, claim-settlement ratio and customer reviews before the purchase
    • Use a travel insurance premium calculator online to know the approximate premium cost
    • Do consider a backpackers’ policy if planning to travel for a long duration of time or visiting several countries

    Why Buy from Policybazaar?

    Buying a policy online is not only easier but saves a lot of time as well as money. Browsing annual multi-trip insurance plans online can be easily done on where several insurance plans can be compared along with their coverage. Take a look at some of the reasons to buy from Policybazaar:

    • Buying online from is cost-effective as costs spent on intermediaries and distribution is completely avoided
    • The policies can be bought almost instantly, within a few minutes.
    • Easy comparison of policies offers the best travel insurance plans sold by the top travel insurance companies in India, all in one place
    • Buying from comes with several automated benefits like reminders, sale notification and toll-free assistance


    • Q: Which types of medical emergencies are covered as per this plan?

      Ans: Under a travel insurance plan, most of the insurance providers provide coverage for in-patient as well as out-patient medical services. If the insured can’t be prorogued until he/she returns to India, any medical treatment recommended by the doctor on duty like X-ray, blood test, and various diagnostic tests are covered under this plan. Also, coverage is provided for transportation and ambulance charges.
    • Q: Is there any healthcare exclusion as per the plan?

      Ans: The exclusions as per this plan are mentioned below.
      1. Any pre-existing illnesses.
      2. The medical treatment that isn’t that important and can be delayed until the time the insured returns back to India. This decision would be made by the doctor along with the insurance provider.
      3. Cancer treatment expenses, unless there is an emergency and the treatment is necessary so that the life of the policyholder can be saved or his/her pain can be relieved.
      4. Expenses related to pregnancy or delivery.
      5. Expenses related to plastic surgery or cosmetic surgery.
      6. Expenses incurring due to recuperation at a spa or resort.
    • Q: Can I register a claim when I return to India?

      Ans: Yes, you can register a claim after coming back to India. You need to file it within 30 days after you return or after ending your trip.
    • Q: How can I find the best multi-trip travel insurance plan?

      Ans: It is very easy, simple and hassle-free. You can log on to a website such as Policybazaar, compare various insurance plans and get the best multi-trip travel insurance plans online.
    • Q: Is it possible to apply for a travel insurance policy online? If yes, then what’s the process?

      Ans: Yes, it is very simple and convenient to apply for travel insurance plans online. All you need is to provide your trip details, the list of the countries you’d be visiting, and your contact information like your name according to your passport, your date of birth, your email address, your mobile number and your passport number.
    • Q: What are the claims limits that I can file when I travel?

      Ans: The claim limits vary insurance provider per insurance provider. No two insurance companies have the same limits. To know the exact amount that can be reimbursed, you can check out the guidelines mentioned in your policy document.
    • Q: In case I extend my vacation, is it possible to extend my travel insurance plan?

      Ans: However, you will have to submit a duly filled “Extension Form” before few days after ending your particular trip so that your insurer can extend your plan for that specified period.

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