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A Guide to Annual Multi Trip Travel Insurance

Jet-setting in and out of the country too often?

Getting a travel insurance for each trip can be not only be troublesome but also burn a massive hole in your pocket. A multi-trip travel insurance policy can give you peace of mind as you would have sufficient cover while you are on a trip abroad.

What Is Multi-Trip Travel Insurance?

If you love taking more than one holiday a year, you can save up money by opting for a multi-trip annual travel insurance policy. It protects you from unforeseen contingencies during your trip.

A single trip plan can prove to be expensive if you have to travel around 2 – 3 times a year. If you consider buying a multi-trip plan, you can travel alone or choose to pay a slightly higher premium and take your partner along with you.

Benefits of Multi-Trip Travel Insurance

  • Ideal for you if you have to fly out very often
  • More flexibility for last minute trips and sudden city breaks
  • Useful if you have a relative abroad whom you wish to visit several times a year
  • Covers losses and expenses incurred due to unexpected emergencies
  • Spend economically on a multi-trip plan rather than unnecessarily splurge on single trip plans

What is Included?

  • Medical Cover
  • Compensation for Personal Accident and Accidental death and disability
  • Cashless services for medical expenses abroad
  • Medical Evacuation and Medical Repatriation
  • Compensation for Baggage loss cover, trip delay, trip cancellation, delay of baggage
  • Hijack distress allowance caused due to hijack for more than certain number of hours while on trip

What is Excluded?

  • Accidental coverage for high-adrenaline activities such as skiing, water sports and bungee jumping
  • Delay of baggage that occurs in less than 24 hours
  • Flights missed due to riots/strikes/civil wars
  • Pre-existing diseases are mostly not covered by most insurers expect for one of two of them
  • Losses that are incurred due to local/civil protest

Eligibility for Buying Multi-Trip Travel Insurance

Suitable if you’re flying solo or as a couple for more than two-three times a year. Ages 18-70 years is the common age limit that is set by most insurers.

Optional Coverage in Multi-Trip Travel Insurance

Some travel insurance companies also offer additional coverage options in their plans.

  • Coverage for personal liability and loss of passport are also sometimes a part of your plan
  • Covers expenses losses caused due to over-booking
  • Expenses for emergency accommodation if you were unable to stay in the accommodation originally booked because of natural calamity

Factors to keep in mind while choosing the right policy for you

Duration of the Trip

The most important aspect that you must be aware of before purchasing multi-trip travel insurance is the DURATION of the trip. This can vary from 20 – 60 days depending on the insurer. Make sure you always read the policy wordings carefully before buying the plan.

Covered to the Destination of your Choice

Check if the original destination that you wish to travel to is covered by your insurer. Even when they say worldwide coverage, certain plans exclude USA and Canada. Verify by reading the terms and conditions mentioned in the policy document.

The Cost of Premiums in Comparison with Features

Is the cost of premium suitable for the number of features in your policy? Compare premiums of different plans by checking if the medical cover would be adequate and remaining features would be beneficial.

Types of Medical and Travel Benefits

Since you are travelling frequently, you are more prone to unfortunate events. That is why figure out if you are gaining optimum benefits for the premium amount paid by you. Compare plans on major criteria such as cancellation, medical expenses and lost baggage.

Claim Settlement Ratio

Research and compare the claim settlement ratio of travel plans offered by different insurers. This will give you a better idea of which insurer is more reliable when it comes to settling claims.

How can Coverfox help you choose the right multi-trip travel plan?

Feel free to plan getaways to your favorite destination more often.

  • Get the best quotes by providing inputs such as age, duration of trip, and start date
  • Our easy-to-use interface allows you to shop easily online
  • We believe in providing unbiased suggestions to our customers
  • You can also do a side-to-side comparison of the various plans
  • We help our customers make the right choices with our expertise and unbiased guidance

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