Annual Multi-Trip Travel Insurance

Name: Annual Multi-Trip Travel Insurance for all your trips, starting just at Rs.2,074/yr*
Brand: IndusInd General Insurance
Rating: 4.9 (310 reviews)

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

Cover all your international trips under a single policy with a sum insured of up to $500,000 so all your trips are covered.

Each trip is covered for a fixed duration limit of 30, 45, or 60 days, depending on the plan selected.

Medical treatment costs 3x more overseas compared to India, meaning multi-trip insurance is vital for frequent flyers.

With us, you can get cashless services at any hospital overseas, so it doesn’t matter what country you’re in, you’re always covered!

We offer coverage for trip delays over 12 hours, missed connecting flights up to $500 and trip cancellations up to $1250.

Cover all your international trips under a single policy with a sum insured of up to $500,000.

We offer worldwide assistance 24/7 All you need to do is contact us through the IndusInd insurance app or our global partner Europ Assistance.

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?

Ideal for people who travel multiple times a year, as one policy covers several trips instead of buying insurance repeatedly.

Suitable for professionals who travel frequently for business meetings, conferences or client visits in a year and need coverage under a single plan.

Works well for remote workers who move between countries regularly and want uninterrupted travel protection throughout the year.

Helpful for families taking several vacations or visiting relatives abroad multiple times in a year, offering convenience and cost savings.

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.

Disclaimer: To know the complete list of inclusions and exclusions, please refer to the policy wordings here.

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Country/Region-Specific Annual Multi Trip Plans

Our Asia travel insurance plans are designed for travellers who frequently visit Asian countries for work or leisure. These plans offer affordable premiums with medical coverage of up to $500,000 for trip cancellations, lost or delayed luggage, flight delays, medical emergencies, etc., for shorter or frequent trips within the region.

Suitable for travellers visiting Schengen countries multiple times in a year. Our Schengen travel insurance plans meet Schengen visa insurance requirements with medical coverage of up to $500,000 and covers trip disruptions, flight cancellations and 100% visa rejection refunds.

Ideal for travellers who visit multiple continents across the year. Our International travel insurance plans offer broader geographical coverage, covering 170 countries, high medical coverage of up to $500,000 and 24/7 global support for both business and leisure travel.

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

A 30-year-old traveller choosing Asia-only coverage with a 30-day trip limit usually pays a lower premium because medical costs and travel risks are comparatively lower.

The same traveller opting for Schengen coverage pays more due to mandatory high medical cover requirements and higher healthcare expenses in Europe.

Worldwide coverage (excluding or including the USA/Canada) costs the most, as it covers a wider range of countries with varied and often expensive medical systems.

Destination scope, trip duration per visit, and additional coverage needs not the number of trips taken.

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?

Step

Scroll Up

Scroll up to the top of this page to start the buying process.

Step

Pick Travel Type

Choose Leisure or Business > Enter your contact and travel details.

Step

Choose Coverage

Choose your coverage amount under the plan > Enter your KYC details.

Step

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.

Authors - Location -Travel

IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

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Total Average Rating

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4.7 ★ ★ ★ ★ ★ (45)

I recently purchased my Travel insurance and found the experience very smooth. It met my requirements well and felt tailored to my needs.

Yogya Kolliboina

Rangareddy

4.5

Seamless digital experience

I had a positive experience while applying for Travel insurance from Reliance Insurance Company (now IndusInd Insurance Company) . The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons.

Saroja Kolliboina

Rangareddy

From start to finish, the process of getting my Travel insurance was convenient. The plan offered exactly the type of coverage I was expecting.

Padmanabhan

Mumbai

Quick policy issuance

The journey of purchasing Travel insurance felt effortless and user-friendly. It aligns well with what I needed from an insurance policy.

Alpabharat Gala

Mumbai

Quick policy issuance

The journey of purchasing Travel insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage. I found the entire process trustworthy and efficient.

I was going on a simple holiday and wanted basic cover without unnecessary additions. I only paid for my exact travel dates, and the coverage level felt right for where I was travelling.

For my Europe trip, I mainly wanted medical cover. I could see the hospital and emergency details clearly, so I did not have to overthink while choosing the plan.

Caroline Ghosh

MUMBAI

Easy application

The process of applying for my travel insurance policy was simple and quick to complete.

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Frequently Asked Questions (FAQs)

Is medical coverage included?

Yes. Most annual multi trip plans include medical expenses, emergency hospitalisation, and emergency evacuation during each covered trip, subject to policy limits and terms.

What is the maximum stay allowed per trip?

Each trip has a maximum duration limit, commonly 30, 45, or 90 days per trip, depending on the plan chosen. As long as each trip stays within this limit, you are covered.

Can families or business travellers buy annual multi trip insurance?

Yes. Annual multi trip insurance is available for individuals, families, and business travellers. There are plans designed specifically for frequent flyers, corporate travel, and family travel needs.

What is annual multi trip insurance?

Annual multi trip insurance is a travel insurance plan that covers multiple trips taken within one year under a single policy. Instead of buying insurance for every trip, you stay covered all year for frequent travel.

Is annual multi trip insurance cheaper than single-trip insurance?

Yes, if you travel multiple times a year. Buying one annual policy usually costs less than purchasing separate single-trip policies for every journey.