Frequent traveller? Save money, effort with a cover
The Hindu
Protect your travel adventures with the right insurance - single-trip or multi-trip options available for peace of mind.
Imagine planning your perfect getaway — scenic landscapes, cultural explorations and thrilling adventures await. But what if an unexpected medical emergency, lost baggage, or last-minute trip cancellation turns a dream vacation into financial setback?
Travelling is one of life’s greatest joys, and as the Dalai Lama famously said, “Once a year, go some place you’ve never been before.” Whether you’re craving for a culinary escape, a wellness retreat, or an adrenaline-fuelled expedition, travel opens up a world of possibilities. But let’s be real — unexpected mishaps like medical emergencies, lost passports, or flight cancellations can disrupt plans. That’s where travel insurance comes in to ensure you’re protected.
When it comes to travel insurance, you have two main options: single-trip travel insurance and multi-trip travel insurance.
Single-trip travel insurance covers you for one specific journey, whether domestic or international, for up to 30 days. Your coverage starts when you leave India and ends when you return home or when the policy expires. It’s a good option if you travel occasionally and only need protection for a single trip.
Multi-trip travel insurance, on the other hand, is designed for frequent travellers. It covers multiple trips throughout the year. The trip duration in a multi-trip plan can be chosen between 30, 45, 60, and 90 day though the total travel duration across all trips should not exceed 180 days. This flexibility makes it a convenient and cost-effective choice for those who travel regularly for work or leisure.
Travel insurance policies are generally valid for broader geographies rather than specific countries. If you purchase a policy for a region such as Southeast Asia, it will cover multiple destinations within that region, including Thailand, Bali and other nearby countries. This makes it particularly useful for travellers who enjoy visiting different places within the same geographical area.
If you travel frequently, a multi-trip travel insurance policy can be a more economical and convenient option. If you take three trips in a year with a sum insured of $2,50,000, a multi-trip policy costs about ₹3,861 while a single-trip policy for all three visits separately costs about ₹6,474. This can save you ₹2,613. The pricesare for a 30-day trip duration.
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