Annual Multi-trip Insurance

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Annual Multi Trip Travel Insurance

Travel insurance is an essential part of international trips. Some countries even mandate international travel insurance coverage as a part of their visa processes. It offers financial protection for emergencies like missed flights, lost luggage, theft, medical emergencies, etc.

If you are someone who travels overseas frequently throughout the year, whether it be for work or leisure, you can definitely benefit from multi-trip holiday insurance. These plans are specifically designed for frequent flyers.

Let’s find out what exactly is an annual multi-trip insurance plan and how you can get one.

What is Multi-Trip Travel Insurance?

An annual trip travel insurance plan, also known as multi-trip travel insurance, is specifically designed for frequent flyers. These plans function similarly to single-trip plans but will cover multiple trips within a given year instead of one.

There is no restriction on the number of trips you can take within the year either. You will be covered so long as your travel insurance yearly plan stays active.

So, if you are a business owner or work in a multinational company that needs you to travel outside India pretty often, or if you are simply fond of travelling overseas, Tata AIG’s annual multi-trip travel insurance can help secure your trips.

Our travel insurance provide unmatched financial coverage against different kinds of trip-related emergencies.

A Quick Overview: Annual Multi-Trip Travel Insurance

Key Features  Details 
Eligibility  12 - 80 years 
Coverage  Worldwide (1 Year)
Coverage Duration  30/45/60/90/120/150/180 Days (for single trip)
Key Features and Benefits Emergency medical and hospitalisation expenses, stolen/lost passport, luggage delay/loss, accidental death, trip cancellation, flight delays and missed flights
Grace Period 30 days
Free-Look Period 15 days from the policy start date

Eligibility Criteria for Annual Travel Insurance Plans

At Tata AIG, anyone between the ages of 12 - 80 years who take 2 or more trips to destinations outside of India can get multi-trip insurance. You get 30 - 45 days of consecutive travel insurance coverage per trip and an automatic extension of 7 days for unforeseen delays.

*Remember that these parameters can vary depending on your chosen insurance provider.

Features of Multi-Trip Holiday Insurance

Free Look Period: This feature is only available with annual travel insurance plans. So, if you have any objections to the terms of your travel policy, you can cancel your plan within the first 15 days of purchase and get a full refund.

Unlimited Trips in a Year: With annual multi-trip travel insurance, you can get coverage for an unlimited number of trips in a single year, with each trip having a duration of 30 - 45 days. It is a cost-effective way to cover multiple overseas trips.

All Around Travel Coverage: Under annual holiday insurance, you get coverage for trip cancellations, flight delays/cancellations, medical insurance coverage for hospitalisations, loss of passport, etc., meaning you stay covered against most, if not all, perils while overseas.

Personal Liability (Third Party Coverage): Any accidental damages or personal injury caused by you to a third-party individual will be covered by multi-trip insurance. This also includes any legal liabilities that may arise due to the accidental damage.

Grace Periods and Extensions: Another unique feature of annual travel plans is their 30-day grace period renewal payments. You also get an automatic coverage extension of 7 days if necessary due to unforeseen delays that are beyond your control.

What Does Multi-Trip Insurance Cover?

Third-Party Liability: If a third-party person suffers bodily injury or property damage due to an accident involving you, you will get insurance coverage for the financial and legal liability costs.

Trip Assistance: You will be reimbursed for non-fundable costs like hotel bookings, pre-booked events and reservations, and flight tickets in the event of a cancelled trip due to an unforeseen emergency.

Flight Delay or Cancellation: You might miss a flight because of delays or because your first flight got cancelled. With a multi-trip travel insurance plan, you will be compensated if your flight is cancelled or delayed.

Medical Support: You get medical insurance coverage for accidental death or injury during your trips. This means you will be covered for emergency hospitalisations, dental costs for medically necessary treatment and emergency medical evacuations.

Loss of Baggage and Passport Coverage: If you end up losing your passport or your luggage during the trip, you can make a travel insurance claim and the insurer will cover all the costs for replacing your lost items. For your lost checked-in luggage, your total cost would be compensated by the travel plan.

Repatriation and Death Coverage: In case of the traveller’s (policyholder’s) sudden death or permanent disability during the trip, the repatriation of the body or the treatment expenses would be covered under the annual trip travel insurance policy.

Hijack Cover: If in case your plane gets hijacked, according to the policy terms and conditions, you will be compensated for the distress caused to you during such an unfortunate incident.

What Does Multi-Trip Insurance Not Cover?

  • Medical expenses for the treatment of pre-existing unless it is a life-threatening medical emergency.

  • Medical expenses for the treatment of a terminal illness.

  • Treatment for self-inflicted injuries, suicide attempts, HIV, routine check-ups and alcohol or drug abuse.

  • Any eventualities if you are travelling against the advice of your doctor.

  • Medical costs if you are travelling overseas specifically for your medical treatment.

  • Claims regarding nuclear perils, war and war-like activities will not be covered.

  • Any non-medical expenses not explicitly included under policy coverage terms.

  • Expenses due to theft or loss due to carelessness or negligence, or if the loss/theft is not reported to the police.

  • Medical emergencies that arise after the insured person has returned to India

Things to Consider Before Buying an Annual Trip Travel Insurance Plan

  • Single-trip travel policies and annual travel plans have targeted benefits. Hence, it is crucial to consider these key factors before buying multi-trip insurance:

  • Do you need to travel outside of India/overseas many times during a given year?

  • Are your trip durations long? - i.e., Do they take several days or weeks?

  • Are your travel plans unpredictable, and do you require worldwide insurance coverage?

  • If the answer to any of these questions was a yes, then multi-trip travel insurance plans may be the right choice for you. You will be happy to note that Tata AIG’s plans offer flight ticket insurance to cover last-minute trip cancellations.

How to Buy a Travel Insurance Yearly Plan?

  • Visit Tata AIG’s website and navigate to our international travel Insurance page.

  • Choose your travel purpose, enter the country(s) you are travelling to and enter your trip start and end date. You will also need to toggle the “Travel Multiple times a Year?” option.

  • Once you are done entering your details, click “Get Plan”.

  • On the next page, enter your DOB and your mobile number and click “See Plan”.

  • Choose your preferred Travel Guard plan option and click “Buy Now” to get insured.

Annual Multi-Trip Travel Insurance Claims Process

  • In the event of an emergency, you must contact us within 7 days or no later than 30 days to inform us of the incident and to initiate your claims process.

  • You can do this through our website, contact us directly through our toll-free number, or via the relevant and authorised assistance company when filing claims overseas. In the case of theft, you must also inform the local authorities of the incident within 24 hours of its occurrence.

  • Keep all relevant documents regarding your claim handy. E.g., Copy of FIR in case of theft, medical bills for hospitalisations, etc., and submit them on time.

  • Generally, your claim settlement will take no later than 30 days to be paid out. If it takes more than 45 days, the payment of your claims will be 2% above the bank rate.

Why Choose Tata AIG’s Annual Travel Insurance?

At Tata AIG, we have some of the best-suited annual multi-trip insurance policies for you. Here are some key reasons to choose us as your international travel insurance provider:

Affordable: Our annual travel insurance plans are a cost-effective way to stay protected when overseas. You get coverage for multiple trips under one plan rather than having to buy multiple plans.

Instant Policy Purchase: We offer overseas travel insurance online, meaning you can get instant insurance coverage in just a few clicks.

COVID-19 Coverage: We offer COVID-19 coverage for our international plans if you test positive in the middle of your trip and require hospitalisation.

Flexible Plans: You get multiple plan options to choose from when buying annual travel insurance from Tata AIG. This way, you can tailor your plan to suit your coverage needs.

24/7 Customer Support: You can contact us for support at any time, no matter where you are in the world. Our customer support team is always ready to help you in your time of need.

Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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What is the difference between a single-trip and an annual multi-trip insurance plan?


Single-trip plans will only offer travel insurance coverage for one trip. The coverage for the policy will lapse after 180 days or after your trip ends and you will need to buy a new plan to get coverage on your next trip. Multi-trip insurance plans will offer coverage for multiple overseas trips in a given year. You can take as many trips during the policy year and you will be insured for all of them. These plans are ideal for frequent travellers.

Can I register my travel insurance claim when I come back to India?


No, your travel insurance coverage ends when you return to India. All claims must be filed within 30 days maximum from the date of the incidence.

Do I need to undergo a medical examination to buy my Tata AIG travel insurance yearly plan?


No, with Tata AIG, you can enjoy instant policy purchases with no prior need for medical check-ups or tests.