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What is multi-trip travel insurance?

Posted by Royal Sundaram on 13 Oct 2009

If you are living out of a suitcase, accumulating miles, then you require travel insurance. But if the frequency of travel is very high, then it is advisable to go in for multi-trip travel insurance, also known as annual travel insurance.

Multi-trip travel insurance is only a temporary insurance policy which is designed to provide overseas travelers with a wide range of coverage on more than one trip. Which is why the policy holder can travel infinite number of times in a year, but the duration of each trip cannot exceed 45 days. It can be taken either for an individual or for a family.

The advantages of signing on a Multi trip travel insurance are-

  • Assistance in case of Lost Baggage/Visa/Tickets and other valuable documents
  • Hijack distress allowance
  • Cover any legal assistance fee you might have incurred abroad
  • Takes care of any loss or damage caused to your home while you are away
  • 24/7 emergency medical assistance and dental treatment
  • Emergency medical evacuation in case of any serious illness
  • Worldwide cover in case of accidental death/dismemberment

What the policy does not cover-

  • Complications related to pregnancy
  • If a person suffering from a pre-existing disease faces complications
  • Psychiatric conditions or accidents by mentally challenged persons
  • Drug abuse or alcohol induced accidents or ailments

Now that you know what is available, all that is left to do is choose a policy based on your travel schedule and get going!

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