Multi Trip Travel Insurance

Benefits

A Multi Trip Travel Insurance provides coverage against travel related contingencies such as loss of baggage, loss of personal belongings, flight cancellation, interruption & delay, etc. Not only this, it also provides cover against expenses incurred in medical treatment during the trip. You can also avail coverage against stern scenarios such as emergency evacuation, hijack, burglary, etc.

You don’t need to worry about all these contingencies, multi trip travel insurance is there to assist you all the way need.

Coverage Available

Following are the coverage available under a multi trip travel insurance policy.

Emergency Medical Expenses: This travel insurance policy covers medical expenses incurred due to any sudden illness, injury or accident. It ensures you a comprehensive medical cover, so you don’t need to worry about medical expenses.

Pre-existing Diseases : Some insurance companies cover pre-existing ailments, in case of life threatening situations. You need to read the policy terms, if your illness is covered under the policy.

Loss/Dealy of Checked Baggage: In the event of loss of checked-in baggage, this travel insurance policy reimburses the insured for the replacement value of any damaged or lost articles, as specified under the policy terms. In case of delay of checked-in baggage, the insured receives an amount for emergency purchase of essentials.

Loss of Personal Documents: Loss of personal documents such as passport creates a panic situation for your travel. This travel policy covers the cost incurred towards obtaining a fresh or duplicate passport.

Trip Cancellation, Interruption & Curtailment: It covers pre-paid and non refundable expenses incurred, such as advance tickets booking, hotel room booking, etc, in case of cancellation of trip, interruption or when you cut short the trip.

Accidental Death & Disablement: In the event of demise or disablement due to accident occurred during the travel, this policy pays compensation as specified under the policy.

Repatriation of Remains: In case of untimely death of the insured while travelling, the expenses incurred towards transporting the mortal remains to the home residence are covered.

Emergency Medical Evacuation:It pays the costs incurred for sending insured back to the country of residence, requiring immediate medical care. Some insurance companies also cover the cost incurred for transporting insured to a nearby medical facility. Most of the insurance companies include medical evacuation under medical coverage available under the policy.

24/7 Assistance: When travelling, you may need a support in case of troublesome situations such as medical emergency, loss of baggage, trip cancellation or delay, any legal assistance, and others. With a multi trip travel insurance, you can avail round the clock support.

Personal Accident (common carrier): Most of the insurance companies provide cover against accidental death or disability sustained when travelling in a common carrier during the trip.

Personal Liability: It provides compensation against damages to a third party, including bodily injury, death or damage to property.

Hijack: In case of hijack of the common carrier in which you are traveling, insurance companies has started offering a hijack distress allowance.

Miss a Connecting Flight: In case, you miss a connecting flight, this travel insurance policy covers the cost incurred under this scenario. Insurance companies specify some time of delay, after which it is covered.

Emergency Cash: In case you lost your money due to theft or robbery, policy pays to the insured the emergency cash.

(The coverage available may differ from one plan to another.)

Benefit Illustration

Let’s understand the benefits of a multi trip travel insurance policy with the help of an illustration.

In case, you have opted for Apollo Munich Annual Multi Trip Easy Travel Insurance Plan, you can get coverage for the following scenarios.

Medical Treatment: It is covered up to US $5,00,000 with a deductible of US $100. Dental treatment up to US $500 is covered under medical treatment sum insured.

Repatriation of Mortal Remains: In case of your demise during the travel, the cost incurred towards repatriation of mortal remains is covered up to US $10,000.

Loss of Passport: In case you lost the passport during the travel, this policy pays you up to US $300 with a deductible of US $30 for the expenses incurred in getting a fresh passport.

Personal Accident: In case of any personal accident during the travel, this policy covers you up to US $25,000. Personal accident while travelling through common carrier is covered up to US $20,000.

Personal Liability: In case you are liable to pay for damages to a third party, this policy covers you up to US $1,00,000.

Hijack Daily Allowance: In case of hijack, the company pays you a hijack daily allowance up to US $500. It is payable on a hijack of over 12 hours.

Total Loss of Checked-in Baggage: Loss of checked-in baggage is covered up to US $1000. Delay of checked-in baggage is covered up to US $300.

This policy also covers trip delay, trip cancellation, trip curtailment, and hospital daily allowance.

Multi Trip Travel Insurance General Exclusions

• Pre existing condition or its complication
• Traveling abroad for obtaining medical treatment
• War, invasion, act of foreign enemy
• Participation or involvement in adventure sports or activities
• Breach of law with criminal intent
• Self-inflicted injury
• HIV/AIDS, & other STDs
• Pregnancy, childbirth & its complications, etc.

(Note: The exclusions may vary from one insurer to the other)