Annual multi-trip insurance, starting at just ₹2,074/yr*
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One Policy for Multiple Trips
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Up to $500,000 Coverage*
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Cashless Claims Worldwide*
Annual Multi-Trip Travel Insurance
Annual travel insurance, often referred to as multi-trip travel insurance, is specially designed for those who travel abroad multiple times a year. These plans offer coverage similar to single-trip insurance plans, but extend their extensive coverage beyond just one trip.
Annual travel plans cover unlimited trips up to a maximum of 45 days* in a year, eliminating the need to buy a new travel insurance plan every single time you plan a trip overseas! For example, if you travel to Dubai several times a year due to work, you can get our annual multi-trip travel Insurance to cover all the trips you take within the year. It's less expensive than buying a new plan every time you travel, and you get year-round coverage against common travel risks, like medical emergencies, baggage loss, passport loss, or flight delays.
With IndusInd Annual Multi-Trip Travel Insurance (formerly Reliance Annual Multi-Trip Travel Insurance), you get cashless claims and 24/7 customer support via Self-i. Enjoy uninterrupted travel coverage every time you travel overseas!
IndusInd Annual Multi-Trip Travel Insurance Benefits
Annual Multi-Travel Statistics
It's been reported that 18% of Indian international travellers take 2 or more trips annually.
Plus, the number of Indians taking 2 or more international trips has surged by 32% over the past year, with the UAE, Thailand, and the USA being the leading popular destinations.
Why 5 Crore+ Policyholders Trust Us?
If you travel frequently for work, business meetings, or quick getaways, investing in annual travel insurance is a smart move. With IndusInd Multi-Trip Travel Insurance, your year-round journeys get the year-round support they deserve.
AI-Powered Self-i App*
Quick processes and 24/7 support
$500,000 Sum Insured*
Cover ALL your trips!
Covers up to 45 days per year*
30-45 days cumulative cover*
Up to 170 Countries*
Multi-destination coverage*
IndusInd Annual Multi-Trip Travel Insurance Plans
1
Annual Multi-Trip Standard Plan
The standard plan offers basic coverage for multiple international trips in a year for 30 - 45 days in total*. It offers nominal coverage for emergency medical expenses, accidental treatment, total loss of baggage, trip and baggage delay and more. It is ideal for short business or leisure stays.
2
Annual Multi-Trip Elite Plan
The Elite plan offers more extensive coverage than the standard plan, with coverage for medical expenses extending up to $500,000*. It also protects your home and belongings while you complete your overseas trips with home burglary coverage of up to $300,000*. This plan is best for long international trips.
IndusInd Annual Multi-Trip Travel Insurance Coverage
Highlights the main features and coverages provided by our Annual Multi-Trip plan. This is a one-time payment that allows for unlimited international travel over the course of twelve months. The plan includes a total duration of 30-45 days.
Parameters | Basic Coverage (in USD) | Maximum Coverage (in USD) |
|---|---|---|
Medical Expenses | $100,000 | $500,000 |
Personal liability | $100,000 | $250,000 |
Personal accident | $20,000 | $30,000 |
Total loss of baggage | $500 | $1500 |
Loss of passport | $300 | $300 |
Delayed checked-in baggage | $100 | $125 |
Trip Delays | $30 per day | $60 per day |
Dental Treatment | $500 | $500 |
Home burglary insurance | Nil | ₹300,000 |
Compassionate visit | Return fare for a family member/doctor | Return fare for a family member/doctor |
IndusInd Annual Multi-Trip Travel Insurance: Inclusions and Exclusions
What is covered?
Medical Emergency: Emergency medical costs for illness, accident or life-threatening complications from pre-existing illnesses
Personal Liability: If you accidentally cause damage to someone or their property, their medical damages and legal costs are covered.
Trip And Baggage Delay: Baggage delayed for over 12 hours by your airline and trip delays due to unexpected emergencies.
Passport Loss: We help pay to get a new or duplicate passport if your passport gets lost or stolen during your trip.
Baggage Loss: We cover the cost of necessities like toiletries, clothes and medicine if your airline fully loses your checked-in luggage. |
Emergency Assist: Emergency cash assistance is provided in case you lose money due to theft or any accident during the trip.
What is not covered?
Medical Tourism, Undisclosed Pre-Existing Diseases & Maternity: We cover all medical emergency costs while you're overseas except for maternity costs, undeclared PEDs and planned medical treatments.
Negligence & Travelling Against Medical Advice: All your trip emergencies are always covered; however, we do not cover trips taken against a doctor's advice, or claims due to personal delays or negligence.
Legal Action: Liability-related costs are fully covered except for ones arising out of any legal violations while overseas.
Disclaimer: For the complete list of inclusions and exclusions please refer to the policy document linked here
Planning multiple trips this year?
Call us for seamless year-long coverage
How to Buy IndusInd Annual Multi-Trip Insurance?
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Choose Leisure or Business > Enter your contact and travel details
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Choose your coverage amount under the plan > Enter your KYC details
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Pay using your preferred payment mode > Get your policy instantly via email.
Annual multi-trip travel insurance starting at just ₹2,074 per year*!
Made for the Miles You Clock
Every time you travel abroad, your IndusInd Multi-trip Travel Insurance policy kicks in — no extra steps needed, you're automatically covered for your trip!
How to Claim Annual Multi-Trip Travel Insurance?
File quick cashless claims with the Self-i app! For medical claims, all you need to do is submit your policy details at the hospital reception to get cashless coverage. And for non-medical claims like flight delays, trip cancellations, lost checked-in luggage, etc., open the app and tap “InstaClaim”.
Here are the details and documents you will need to provide when filing a claim. These will need to be scanned and emailed to us at indusind@europ-assistance.in –
General Documents
Travel Documents & Claim Form: Your original ticket, boarding pass or a copy of your passport indicating the travel dates. Duly filled and signed claims form.
For Medical Claims: Medical bills, test reports, discharge summary, etc. They need to show your name and treatment date, the type of illness and details of the items used for medical treatment.
For Theft & Emergency Cash: A Police Report obtained within 24 hours of the incident. For theft, the report needs to be obtained within 24 hours of you knowing when the item has gone missing.
Passport Loss: Original bills/receipts of costs for a new/fresh passport.
Additional Documents
Total Loss of Checked-In Baggage: A Property Irregularity Report or other report issued by the airline. You also need to submit proof of ownership of lost items worth more than US$100.
Delay of Checked-In Baggage: Original bills of emergency items purchased, and the Property Irregularity Report from the airline stating the date and time of arrival of the delayed baggage.
Flight Delays & Missed Connections:
Confirmation from the airline, with the scheduled arrival time and the actual arrival time. Reason for the flight delay needs to be mentioned and all original bills for costs.
For Third Party Liability: A police report and proof of judicial decision.
Disclaimer: For the complete list of documents, please refer to your policy documents. For further assistance, you can contact customer support. It takes around 30 working days* to settle your claim from the date of submitting the final claim document.
Single-Trip vs Multi-Trip Insurance
Parameters | Single-Trip Travel Insurance | Multi-Trip Travel Insurance |
|---|---|---|
Coverage Duration | It provides coverage for a single trip. | Covers multiple trips in a year, for 30-45 days in total |
Number of Permitted Trips | Only 1 trip within the policy period | Multiple trips, with each trip being no longer than 45 days |
Premiums | Premium is lower than multi-trip insurance | Premiums are generally higher, as it covers more travel days |
Who is it for | For individuals who take one or two trips in a year. |
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Convenience | Convenient for one-time travellers, with specific coverage. | Offers a one-time purchase for all trips for frequent travellers |
How is IndusInd Annual Multi-Trip Travel Insurance Better?
How is our product better than any other plan?
Features | IndusInd Multi-Trip | IndusInd Single-Trip | Other Insurer |
|---|---|---|---|
Medical Expenses | $500,000 | $500,000 | $250,000 |
Personal Liability | $250,000 | $250,000 | $180 |
Baggage Loss | $1,500 | $1,500 | $1,000 |
Loss of Passport | $300 | $300 | $300 |
Trip Cancellation | $1,250 | $600 | $750 |
Personal Accident | $30,000 | $30,000 | Nil |
Key Takeaways
IndusInd General Insurance (formerly Reliance General Insurance) offers a cost-effective solution for frequent flyers and business travellers starting at just ₹2,074 per year*. Our annual multi-trip travel insurance plan covers multiple trips taken within a year, where we cover up to 30-45 days in total.
Under the IndusInd multi-trip travel insurance (formerly known as Reliance multi-trip travel insurance) plan, you will get coverage for medical emergencies, trip cancellations, flight delays and missed connecting flights, along with checked-in baggage loss and delays, in case your airline ever delays or loses your luggage during your travels.
Another added advantage of choosing IndusInd multi-trip travel insurance (formerly known as Reliance multi-trip travel insurance) is that you get cashless services at any hospital overseas for medical claims. So, no more referring to set lists to see what hospitals we cover, because we cover them all! All you need to do is contact Europ Assistance, file your claim through the website or the Self-i app, and we handle the rest.
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