Travel Insurance Plans on PolicyBazaar#1
- Individuals
- Sr. Citizens
- Students
What is Annual Multi-Trip Travel Insurance?
Also known as yearly travel insurance, AMT policies provide continuous financial protection for an entire year across multiple trips abroad. These are mostly designed for business travellers or people who take frequent trips abroad. Unlike single-trip plans that protect you only for a specific set of dates, there is no restriction on the number of trips taken within the policy term.
Whether you buy international travel insurance for one year for corporate travel, frequent holidays, or multi-destination travel insurance across continents, AMT covers each journey for up to a maximum duration per trip (e.g., 30, 45, 60, or 90 days).
Annual Travel Insurance: Fast Facts
| Categories | Specification |
| Policy Coverage & Duration | Annual worldwide travel insurance (1 year/ 365 Days) |
| Number of Trips Covered | Unlimited trips during the 1-year policy tenure |
| Trip Duration | 30/45/60/90/120/180 days per trip (depending on the plan) |
| Key Features | Emergency medical expenses, passport loss, trip cancellation, accidental death, luggage delay |
| Eligibility | 3 months - 70 years (Varies with Insurers) |
These plans are ideal for frequent flyer travel insurance needs, for people working in multinational companies or business owners travelling overseas regularly. Beyond your flight tickets, hotel and food, travel insurance is a necessary expense that protects you from unexpected medical or travel-related emergencies.
Know More About: Benefits of Annual Multi-Trip Travel Insurance
Features of Annual Multi-Trip Travel Insurance
With more Indians travelling abroad frequently for business, higher education, and leisure, securing reliable annual travel insurance India coverage has become essential. Moreover, many countries require mandatory travel insurance before issuing visa to foreign visitors. This ensures their safety and well-being in case something goes wrong during their trip. For people going on trips frequently and often urgently, buying a plan each time may only add to their burdens.
This is where an annual multi-trip insurance plan will come in handy. Take a look at some of their features:
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Unlimited Trips
Most AMT plans cover you for as unlimited number of trips within 365 days.
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Flexible Per-Trip Max Duration
Choose per-trip duration limits matching your travel habits—, uch as annual multi-trip travel insurance 45 days, 60-day multi-trip annual travel insurance, or annual multi-trip travel insurance 90 days.
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Free Look Period
If you are dissatisfied with the policy and wish to cancel, you can do so within the first 15 days after purchase. This feature is only available with annual plans.
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Comprehensive All-round Coverage
From emergency medical expenses abroad to flight cancellations, your annual travel insurance worldwide plan will cover everything to ensure your financial safety.
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Grace Period
If you are unable to pay the premium on time for your travel insurance policy renewal, many insurers offer a 30-day grace period after the due date.
Why Buy Annual Multi-Trip Travel Insurance?
Both single-trip insurance plans and annual multi-trip insurance plans have their specific benefits. If you have any doubts about making a decision, consider things before buying an annual travel insurance policy:
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Do you plan to travel abroad 2 or more times to different countries?
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Do you need to spend several days while travelling?
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Do you need year round travel insurance worldwide because of your unpredictable business trips abroad?
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Do you want to save time and reduce documentation while buying travel insurance for multiple countries?
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Do you wish for a simple and easy claim procedure in case of emergencies?
If you answered ‘Yes’ to three or more of these questions, buying annual worldwide travel insurance is the smartest, most cost-effective choice.
How to Choose AMT for Different Trips
When selecting the best annual multi trip insurance, it is important to select a plan that matches your maximum duration spent per trip abroad. Since this will affect the cost of your travel insurance premium, you need to choose a plan accordingly:
| Max Per-Trip Duration Limit | Best Suited For |
| 30 to 45 Days Per Trip | Business travellers, short vacationers |
| 60 Days Per Trip | Corporate consultants, frequent long stays |
| 90 Days Per Trip | Remote workers, researchers, digital nomads |
| 120 to 180 Days Per Trip | Extended business stays, visiting family abroad |
What does the Annual Multi-Trip Insurance cover?
Covered in policy
The exact coverage limits variy from plan to plan. However, the best travel insurance for one year include medical cover, loss of baggage cover and trip cancellation coverage along with essential coverage.
Here are some common inclusions under yearly travel insurance plans:
Medical Cover
International travel insurance for one year covers the medical expenses incurred by the insured or their family members in case of medical emergencies abroad. This can be due to sudden illness, injury while travelling abroad.
Medical Evacuation and Repatriation
Expenses incurred for transporting the insured's mortal remains to India or for burial abroad are also covered. It also offers compensation for permanent disablement or death while travelling.
Personal Liability
Personal liability coverage provides financial support in case you are held liable for any unintentional loss caused to a third party. This cover is especially beneficial for people travelling with kids.
Trip Cancellation & Interruption
This cover helps in saving flight expenses and hotel bookings in case your trip gets cancelled under covered reasons. It covers non-refundable prepaid expenses (flights, hotel bookings, excursions) if your trip is cancelled or interrupted only due to covered emergencies.
Passport Loss
This covers the cost incurred for obtaining a new passport in case your passport is lost or stolen.
Delay/Loss of Checked-In Baggage
Provides financial compensation for essentials if your checked baggage is delayed or lost by the airline.
Special Add-Ons
Customise your best annual travel insurance plan with optional travel insurance add-on covers for complete peace of mind:
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Adventure Sports Cover: Ideal for those who plan to participate (not professionally)in 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.
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Deductible/Excess Waiver: Having an excess waiver cover means you don't need to pay deductibles for certain claims. In case of an injury happening as a result of voluntary manual work, the excess waiver option will not be applicable.
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PED Cover: Pre-existing diseases cover is a must for related emergency medical expenses caused by the declared disease, which are not covered otherwise. If you have a health condition, then make sure to buy this add-on with your travel insurance for 60 days or more.
Not Covered in policy
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.
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No coverage for pre-existing medical conditions, unless it is a very serious or life-threatening disease
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Any expense due to suicide/attempted suicide/ venereal diseases/self-inflicted injuries/ stress/depression/anxiety/alcohol or drug abuse will not be covered
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Any eventualities if travelling against the advice of the doctor
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Any expenses if travelling to get treated abroad
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Expenses incurred due to theft or loss of a passport due to carelessness or negligence
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Expenses for items if the loss or theft is not reported to the local police within the stipulated time
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Circumstances arising out of war or nuclear threat in the destination country
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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 Eligibility Criteria
Annual multi-trip travel insurance is designed for people who travel abroad frequently in a year. The following is the eligibility criteria for annual multi-trip travel insurance:
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Residency: The insured must be a permanent resident of India.
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Age Limits: Available for those aged between 18 and 70 years (dependent children are covered from 3 months up to 21 or 25 years under annual family travel insurance worldwide plans).
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Travel Frequency: Designed for individuals making multiple international trips in a 365-day period.
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Family Coverage: Family plans can cover the insured, spouse, and up to two dependent children.
In specific circumstances, an insured with an immigrant visa who is going abroad permanently can be covered, provided they declare this to the insurer. Please note that eligibility may vary by insurer.
Annual Multi-Trip Travel Insurance Claim Process
Unfortunately, if you need to raise a claim, the process is pretty simple. Most insurers have one of the following ways to initiate a claim process under travel insurance:
- Customer helpline (Generally toll-free)
- Insurer's email
- Mobile application
- Insurer's website through policy number or mobile number
If you wish to register your claim through Policybazaar, here's what you need to do:
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Register Claim
You can get in touch with our claims support team in case of any emergency by clicking on the link which will be shared on your WhatsApp. You can also mail us at travelclaims@policybazaar.com or call us on 1800-258-5881.
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For Medical Claims
Claim forms, Original admission/discharge card, if applicable, Original Bills, Receipts, Prescriptions and Reports, Copy of passport/visa with entry & exit stamp, Personal ID Proof.
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For Baggage Loss
Claim forms, Property Irregularity Report (obtained from the Airline), Copies of correspondence with the airlines confirming the loss, Approximate cost of lost items, Copy of the passport/visa with entry & exit stamp, Personal ID Proof.
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For Trip Cancellation
Claim forms, Original bills of expenses incurred during the period of delay, Copy of ticket & boarding Pass, Copies of Correspondence with the airline authorities certifying the delay, Copy of passport/visa with entry & exit stamp, Personal ID proof.
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For Other Claims
Claim Forms, Copy of the passport/visa with entry & exit stamp, Personal ID Proof, Policy Copy, Original bills and receipts and complaint copies, etc.
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.
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.
How to Choose Annual Multi-Trip Travel Insurance?
Here are some important tips to use before taking out a policy:
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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 later claim rejections and provide a proper estimate of the travel insurance premium.
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Don't forget to compare different travel insurance plans online on Policybazaar.com to get the right plans within your budget.
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Ensure fact-checking, such as the insurance provider's reputation, claim-settlement ratio, and customer reviews, before the purchase.
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Use a travel insurance premium calculator online to know the approximate premium cost.
Why Buy from Policybazaar?
Buying annual travel insurance online through Policybazaar ensures quick policy issue, complete transparency, and competitive pricing:
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Buying online is cost-effective as costs spent on intermediaries and commute is completely avoided.
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The policies can be bought almost instantly, within a few minutes.
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Easy comparison of plans sold by different travel insurance companies in India, all in one place.
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Automated benefits like reminders, sale notifications and toll-free assistance.
Annual Multi-trip Travel Insurance: FAQs
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Q: What type of medical emergencies are covered under long-term travel insurance?
Ans: Most insurers cover inpatient as well as outpatient medical services. It covers medical treatment recommended by the doctor, including diagnostic tests, surgeries, prescriptions, transportation and ambulance charges. -
Q: Is there any healthcare exclusion under multi-country travel insurance plans?
Ans: The exclusions range from pregnancy-related issues, plastic or cosmetic surgeries, to pre-existing diseases. It also does not cover cancer and other terminal diseases. You must go through them before purchase to avoid having your claim rejected later. -
Q: Can I register a claim when I return to India?
Ans: Yes, you can register a claim once you return to India. You need to file it within 30 days of returning or ending your trip. However, you must inform your insurer or TPA immediately if you are in an emergency. -
Q: How can I buy the best annual travel insurance online?
Ans: You can find travel insurance plans online on Policybazaar.com. All you need to provide is your trip duration, the list of countries you'll be visiting, and other information such as your mobile number and passport number. -
Q: What are the claims limits that I can file when I travel?
Ans: The claim limits vary by insurance provider. No two insurance companies have the same limits. To find the exact amount that can be reimbursed, check your policy wording. -
Q: What is the main difference between single-trip and annual multi trip travel insurance?
Ans: A single-trip policy covers one specific travel itinerary for fixed dates. An annual multi trip travel insurance covers an unlimited number of international trips taken within a 365-day period, saving time and money for frequent travellers. -
Q: Does Europe annual travel insurance satisfy Schengen visa requirements?
Ans: Yes. Most Europe annual travel insurance plans provide medical coverage well above the Schengen requirement of EUR 30,000. They also provide medical evacuation and repatriation, which is fully accepted by Schengen embassies.
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