Multi-trip insurance, also referred to as annual travel insurance, is designed for individuals who frequently travel within a year. This type of policy offers coverage for multiple trips within a set time frame, eliminating the need to purchase individual insurance for each journey. It ensures comprehensive protection for medical emergencies, trip interruptions, and other unforeseen events, giving travelers peace of mind while they explore.

Coverage

Multi-trip insurance typically includes the following:

  • Medical Expenses
  • Loss of Passport
  • Total Loss of Checked-in Luggage
  • Delay of Checked-in Luggage
  • Daily Allowance During Hospitalization
  • Trip Delays
  • Trip Cancellation or Interruption
  • Missed Connections
  • Emergency Medical Evacuation
  • Emergency Cash Advances
  • Flight Delays

Key Benefits of Multi-Trip Insurance

  1. Cost Savings
    Ideal for frequent travelers, multi-trip insurance eliminates the need to purchase separate coverage for each trip, making it a cost-effective option.
  2. Comprehensive Protection
    Provides extensive coverage, including medical emergencies, trip interruptions, and baggage-related issues, ensuring peace of mind throughout your travels.
  3. Convenience
    A single policy offers protection for all trips taken within a year, reducing the hassle of repeatedly applying for insurance.
  4. Flexibility
    Policies are customizable, allowing you to select the level of coverage that suits your travel needs. You can also choose the duration of the policy, which is usually valid for up to a year.

Exclusions

While multi-trip insurance provides extensive coverage, it may not include the following:

  • Travel undertaken against medical advice.
  • Medical expenses for pre-existing conditions unless explicitly covered in the policy.
  • Non-emergency treatment or elective procedures.
  • Claims arising from intoxication, drug use, or self-harm.
  • Participation in high-risk activities or extreme sports.
  • Loss or damage due to war, civil unrest, or nuclear incidents.
  • Expenses related to unauthorized travel or entry into restricted areas.
  • Any claim involving non-compliance with the advice of a doctor.

Claim Procedure

To file a claim, follow these steps:

  1. Notify the Assistance Service Provider as soon as possible regarding the incident.
  2. Submit the required documents, including a completed claim form and supporting evidence like medical reports, receipts, or police reports.
  3. Ensure all claims are filed within the specified timeframe, typically no later than 30 days from the end of the covered trip.

Once all documents are reviewed and approved, the insurer will process the claim in accordance with the terms and conditions of the policy.