Tata AIG
Travel Guard Plus
₹1,850/trip · $500K
- Claim ratio
- 96.4%
- Cashless
- 1M+ hosp.
- Medical
- $500K
- Trip cancel + baggage delay
- COVID-19 in-patient cover
- Emergency medical evacuation
Annual multi-trip
One policy, unlimited trips for a year.
Covers every international trip you take over 365 days, with per-trip duration caps of 30/60/90 days. Cheaper than buying individual single-trip plans once you cross 3–4 trips a year.
Unlimited
Trips in 365 days
30–90d
Per-trip cap
Worldwide
Destination cover
Top picks
Top annual multi-trip plans.
Three standouts for a frequent flyer · $500K cover · worldwide.
Best value
HDFC ERGO
Travel Explore
₹2,120/trip · $1M
- Claim ratio
- 94.8%
- Cashless
- 900K+ hosp.
- Medical
- $1M
- Adventure sport add-on
- Rental car excess
- 24×7 multilingual helpline
Bajaj Allianz
Travel Elite
₹2,480/trip · $1M
- Claim ratio
- 95.2%
- Cashless
- 1.2M+ hosp.
- Medical
- $1M
- Hijack allowance
- Missed connection
- Priority-pass lounge access
Common questions.
Does annual cover all destinations equally?
No — most annual policies tier by region: Asia (cheapest), Europe + Middle East (mid), worldwide-excluding-US/Canada (high), worldwide-including-US/Canada (highest). The certificate names the regions you've paid for.
Is travel insurance mandatory?
Required for Schengen, the UK and several other visas. Elsewhere it's optional but highly recommended — a single hospital night abroad can outrun a year's premium.
What counts as a pre-existing condition?
Anything you've been treated for, medicated for or diagnosed with in the last 12–24 months (varies by plan). Declare it up front — we tag plans that cover them for a small top-up.
Can I extend my cover mid-trip?
Yes — most insurers allow one extension up to the policy cap. Do it before the current cover expires, otherwise it's a fresh underwrite.
What if my trip gets cancelled?
Trip cancellation cover reimburses non-refundable bookings (flights, hotels, tours) up to the plan sub-limit. We flag every plan's cancellation triggers.
Sub-products
Other shapes of travel cover.
Trips all lasting the same length? Annual works. One unusually long trip? Single-trip is cheaper.
Single trip
One leg, one return — dated cover for a single journey.
Best for vacations + short work trips
from ₹249
You’re here
Annual multi-trip
Unlimited trips for 365 days, each up to 30/60/90 days.
Frequent flyers + consultants
from ₹4,899
Schengen visa travel
Meets €30,000 cover + 24×7 helpline visa requirement.
Required for Schengen visa approval
from ₹412
Student overseas
Long-stay cover + tuition refund + mental-health care.
University students abroad 6–24 mo.
from ₹6,500
Senior citizen
Pre-existing cover + 24×7 helpline, no age cap.
Travellers over 60
from ₹1,840
Buy once, fly all year.
90 seconds, 8 insurers, annual multi-trip plans compared on per-trip caps. No spam calls.
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