Annual Multi-Trip Travel Insurance
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Passport Loss Cover
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Quick Claim Settlement
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Missed Flight Cover
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 policy 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 the IndusInd Insurance app. Enjoy uninterrupted travel coverage every time you travel overseas!
What is Annual Multi Trip Travel Insurance?
Annual multi trip travel insurance is a travel insurance plan that covers multiple trips within a year under one single policy. Instead of buying a new policy for every journey, you stay covered for all your trips during the policy period, as long as each trip falls within the allowed duration.
This type of travel insurance is ideal for frequent travellers, such as business professionals, consultants, students visiting home often or leisure travellers who take several international trips a year. It saves time, reduces paperwork and is usually more cost-effective than buying multiple single-trip policies.
How Does Multi Trip Travel Insurance Work?
Annual multi trip travel insurance works on a fixed policy period, usually one year, during which you can take any number of trips. Each trip, however, must not exceed a predefined maximum duration, which is 30, 45 or 60 days, depending on the plan chosen.
The coverage automatically starts when you begin each trip and ends when you return, without the need to inform the insurer every time. Benefits like medical emergencies, trip delays, baggage loss, and personal liability apply to every trip taken during the policy year, subject to policy terms.
The policy is renewed annually, and coverage limits reset as per the policy structure. As long as each trip stays within the allowed duration and destinations covered, you remain continuously protected throughout the year.
Key Features of Annual Multi Trip Insurance
Plans Covered Under Annual Multi Trip Travel Insurance
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.
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.
Who Should Buy Annual Multi Trip Travel Insurance?
Annual Multi Trip Insurance vs Single Trip Travel 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 |
Number of Permitted Trips | Only 1 trip within the policy period | Multiple trips, with each trip up to 45 days |
Premiums | Premium is lower than multi-trip insurance | Generally higher, as it covers more trips |
Who is it for | For those who take 1/2 trips in a year | For frequent travellers, taking multiple trips in a year |
Convenience | Convenient for one-time travellers | Offers a one-time purchase for all trips |
IndusInd Annual Multi-Trip Travel Insurance: Inclusions and Exclusions
What is covered?
Medical Coverage: Emergency medical costs for illness, accident or life-threatening complications from pre-existing illnesses.
Emergency Evacuation & Repatriation: If your medical condition requires urgent evacuation to the nearest suitable hospital or return to India, the policy covers medically necessary evacuation and repatriation expenses
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.
Personal Accident Coverage: In case of accidental death or permanent disability during the trip, the policy provides a lump-sum payout to support you or your family financially.
Home Protection While Travelling: The policy provides cover for loss or damage to household contents back in India due to risks like burglary while you are travelling overseas.
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.
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Country/Region-Specific Annual Multi Trip Plans
What Affects Your Premium?
Age of the Traveller
Premiums generally increase with age, as medical risks tend to be higher for senior travellers.
Destination Covered
Plans covering Asia usually cost less, while Schengen or worldwide coverage is priced higher due to expensive healthcare systems and visa requirements.
Trip Duration Cap
Annual plans allow multiple trips, but each trip has a maximum duration (for example, 30, 45, or 60 days). Higher trip limits increase the premium.
Add-ons Selected
Add-ons like adventure sports cover, business equipment cover, or higher medical limits raise the overall cost.
Purpose of Travel
Business travel plans may cost more than leisure plans due to extended coverage needs and higher risk exposure.
Sample Premium Illustration
How to Choose the Best Annual Multi Trip Travel Insurance
How Often You Actually Travel
If you travel more than 2–3 times a year whether for work, short holidays, or family visits, an annual multi trip plan saves you money and the hassle of buying insurance before every trip.
Where You Travel Most Often
Choose a plan that clearly covers all your destinations. Some plans are limited to Asia, while others include Europe (Schengen) or worldwide travel. Always match the policy region with your real travel routes.
Length of Each Trip
Check the maximum number of days allowed per trip, such as 30, 45, or 60 days. Pick a limit that fits your longest typical journey so you don’t risk being uninsured mid-trip.
Your Age and Travel Group
Make sure the plan suits your age and whether you travel alone, with family, or as a senior traveller. Some plans offer better coverage and benefits for families or older travellers.
Reason You Travel
If you travel for business, conferences, or a mix of work and leisure, ensure the policy allows business travel and related activities without restrictions.
Medical and Emergency Protection
Frequent travellers should prioritise strong medical coverage, emergency evacuation, and hospitalisation benefits. These features matter most when travelling often or across multiple countries.
How to Buy IndusInd Annual Multi-Trip Insurance?
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Scroll Up
Scroll up to the top of this page to start the buying process.
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Pick Travel Type
Choose Leisure or Business > Enter your contact and travel details.
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Choose Coverage
Choose your coverage amount under the plan > Enter your KYC details.
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Review and Buy
Pay using your preferred payment mode > Get your policy instantly via email.
How to Claim Annual Multi-Trip Travel Insurance?
Cashless Claim Process
Visit a network hospital and inform the reception about your policy.
Share your travel insurance policy details at the hospital desk.
The hospital coordinates directly with the insurer for approval.
Get treatment without paying upfront for covered expenses.
The claim is settled directly between us and the hospital.
Reimbursement Claim Process
Open the IndusInd Insurance app and tap on “InstaClaim” to start.
Select the claim type such as delay, cancellation, or luggage loss.
Scan and email required documents to indusind@europ-assistance.in.
Submit bills, reports, and supporting proof for verification
Receive the claim amount in your bank account after approval.
Claim Documentation Checklist
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.
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