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Home / Travel Insurance / Frequent Flyers Insurance

Annual Multi Trip Travel Insurance for Frequent Flyers

Do you keep travelling across the globe for work or leisure purposes? If yes, then it's time for you to set off to the next destination with a safety cover of HDFC ERGO Annual multi-trip cover. With Annual multi-trip coverage, you don't have to buy insurance for every trip. We offer you coverage for multiple trips in the period of one year; this eases your travel agenda and saves time too. Being a frequent flyer, it is necessary that you get multi-trip travel insurance to secure your trips so that you don't have to struggle overseas due to a medical or dental emergency. International travel insurance gives you the security you need to explore places while ensuring that you are adequately covered for travel-related and medical emergencies that can catch you off guard at foreign shores..

Where do you wish to wander today?

Asia

Experience the diversity of Asia without a single worry with our travel insurance plans. The medical insurance coverage comes in particularly handy when traveling to remote parts of the continent.

Schengen countries

While it is compulsory to get travel insurance to obtain a Schengen visa; the sceneries shine brighter, and parties get louder when you have someone looking out for you at every step of the way!

Worldwide, excluding USA and Canada

For nomads constantly hopping from one country to another, a comprehensive travel insurance plan offers the safety and peace of mind to travel at will to any part of the world without any hassles.

Worldwide coverage

It's beautiful to see the sunrise from a different country every week, but as a globetrotter, you must also prioritise your safety. Travel the world fearlessly as we protect you and everything dear to you.

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What Does HDFC ERGO Travel Insurance Policy Cover?

Emergency Medical Expenses

This benefit covers hospitalization, room rent, OPD treatment, and Road Ambulance costs. It also reimburses expenses incurred on Emergency Medical Evacuation, Medical Repatriation and Repatriation of mortal remains.

Dental Expenses

We believe dental healthcare is just as important as hospitalization due to physical illness or injury; hence, we cover dental expenses which can occur during your travel. Subject to policy terms and conditions.

Personal Accident

We believe in seeing you through thick and thin. In the event of an accident, while traveling abroad, our insurance plan provides a lump sum payment to your family to assist with any financial burdens caused by permanent disablement or accidental death.

Personal Accident : Common Carrier

We believe in being by your side through ups and downs. So, under unfortunate circumstances, we will provide a lump sum payout in case of accidental death or permanent disablement arising out of an Injury whilst on a Common Carrier.

Hospital cash - accident & illness

If a person is hospitalized due to injury or illness, we will pay the per day Sum Insured for each complete day of hospitalization, up to the maximum number of days stated in the Policy Schedule.

Flight Delay & Cancellation

Flight delays or cancellations may be beyond our control, but worry not, our reimbursement feature allows you to meet any essential expenses arising from the setback.

Trip Delay & Cancellation

In case of a trip delay or cancellation, we will refund the non-refundable portion of your pre-booked accommodation and activities. Subject to policy terms and wordings.

Loss of Passport & International driving license

Losing important documents can leave you stranded in a foreign land. So, we will reimburse expenses related to obtaining a new or duplicate passport and/or international driving license.

Trip Curtailment

Don't worry if you have to cut your trip short due to unforeseen circumstances. We'll reimburse you for your non-refundable accommodation and pre-booked activities as per the policy schedule.

Personal Liability

If you ever find yourself liable for third-party damage in a foreign land, our travel insurance helps you compensate for those damages effortlessly. Subject to policy terms and conditions.

Emergency Hotel Accommodation for Insured Person

Medical emergencies may mean you need to extend your hotel booking by a few days more. Worried about the added expense? Let us take care of it while you recover.subject to policy terms and conditions

Missed Flight Connection

Don't worry about unexpected expenses due to missed flight connections; we will reimburse you for the expenses incurred on accommodation and alternate flight booking to reach your destination.

Hijack Distress Allowance

Flight hijacks can be a distressing experience. And while the authorities help sort out the issue, we'll do our bit and compensate you for the distress it causes.

Emergency Cash Assistance Service

When traveling, theft or robbery can lead to a cash crunch. But don't worry; HDFC ERGO can facilitate fund transfers from the insured 's family in India. Subject to policy terms and conditions.

Loss Of Checked-In Baggage

Lost your checked-in baggage? Don't worry; we'll compensate you for the loss, so you don't have to go without your essentials and vacation basics. Subject to policy terms and conditions.

Delay of Checked-In Baggage

Waiting is never fun. If your luggage gets delayed, we'll reimburse you for essentials like clothing, toiletries and medication so you can start your vacation worry-free.

Theft of baggage and its contents

Theft of baggage can derail your trip. So, to ensure your trip stays on track, we'll reimburse you in case of baggage theft. Subject to policy terms and conditions.

The above mentioned coverage may not be available in some of our Travel plans. Please read the policy wordings, brochure and prospectus to know more about our travel insurance plan.

What Does HDFC ERGO’s Travel Insurance Plan Not Cover?

Breach of Law

Any sickness or health issues caused to due to war, injury, or a breach of the law.

Consumption of Intoxicant substances

If you consume intoxicant or banned substance, the policy shall not entertain any claims.

Pre existing diseases

If you're suffering from a disease before travelling or undergo treatment for an illness which already exists, we do not cover it.

Cosmetic and Obesity Treatment

If you or your family member choose to undergo cosmetic or obesity treatment, it stands uncovered.

Self Inflicted Injury

We apologise but if you hurt yourself or get hospitalised due to suicide attempt we shall not be able to cover you

Adventure Sports

Any injury caused due to an adventure sport remains uncovered.

International Travel Insurance for Most Visited Countries

Take your pick from the options below, so you can be better prepared for your trip to a foreign country

Plans for Frequent Fliers

Individual Single Trip International Insurance

As the name goes, single trip international insurance is apt for all those who wish to travel just once to a particular overseas destination. Just like you wish to go on a solo backpacking to Georgia or Bahamas or a business conference at U.S.A this travel insurance is best for you. If you are a group of friends or family going for a vacation then this suits the best. HDFC ERGO offers comprehensive benefits, like offering medical cover when you fall sick or face an accidental injury.

Individual Multi Trip International Insurance

For the ones who are always on the go and keep hopping to multiple countries or visit the same country many times a year, this insurance is a must. The best part is it saves you from the hassle of multiple renewals. You can buy it for a year and travel as much as you wish to without worrying about getting travel insurance for every single trip. This is best suited for frequent flyers!

Individual Travel Medical Insurance

Travel Insurance is a must for medical necessities! We all know medical expenses cost a bomb at international destination even a minor injury or fever treatment may hamper your trip budget. Hence, it's always recommended to buy travel insurance for medical coverage. We offer benefits like:

● Emergency Medical Expenses

● Dental Expenses

● Personal Accident

● Hospital Cash

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List Of Countries Where Travel Insurance Is Mandatory

Here are some of the countries that require mandatory overseas travel insurance: This is an indicative list. It is advisable to check each country’s visa requirement independently before travel.

Schengen countries

France
Spain
Belgium
Austria
Italy
Sweden
Lithuania
Germany
the Netherlands
Poland
Finland
Norway
Malta
Portugal
Switzerland
Estonia
Denmark
Greece
Iceland
Slovakia
Czechia
Hungary
Latvia
Slovenia
Liechtenstein and Luxembourg

Other countries

Cuba
Ecuador
Iran
Turkey
Morocco
Thailand
UAE
Togo
Algeria
Romania
Croatia
Moldova
Georgia
Aruba
Cambodia
Lebanon
Seychelles
Antarctica

Source: VisaGuide.World

Hear from Our happy customers

4.4/5 Stars

Our customers have rated us

View all 22,662 Reviews

JAGRATI DAHIYA

STUDENT SURAKSHA OVERSEAS TRAVEL

10 Sep 2021

Happy with the service

Vaidyanathan Ganesan

my:Single trip Travel insurance

05 Jul 2019

I have seen few of the insurance policies before deciding to choose HDFC insurance as my life partner. One of the interesting part is monthly-autodeduction from my card as well as it sends the reminder before the due date. The app developed is also so friendly to use and gives me a better experience compared to other insurance company.

SAKSHI ARORA

my:Single trip Travel insurance

05 Jul 2019

Pros: - excellent pricing: quotes from other insurers during past three-four years have been always 50-100% higher including all possible discounts and membership benefits - excellent service: choice of billing, payment, documentation options - excellent customer service: newsletters, prompt and professional replies from the representatives Cons: - none till now

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Frequently asked questions on Multi Trip Insurance

1. What is the maximum duration covered under annual multiple trip plan?

Per trip duration can be 15, 30, 45, 60, 90 or 120 days.

2. Are there any geographic restrictions in case if I purchase the Annual Multi-trip Plan?

The Annual Multi-trip plan provides worldwide coverage. UN Sanction countries are obviously out of scope of the policy.

3. I am pretty healthy, but in case I need emergency medical attention on an OPD basis, will I be covered?

Yes, our policy will reimburse for the emergency medical expenses due to sickness or injury on an OPD basis.

4. Who are the travel assistance partners?

Allianz Worldwide are our travel assistance partners. They have a vast network of 8 lacs+ service providers with 24x7 service capabilities.

5. Which types of medical emergencies are covered in this plan?

HDFC ERGO's frequent flyers insurance plan covers a range of medical emergencies that you might suffer on the trip. These include the following -

● Emergency medical treatments that you might need if you are injured or if you fall sick while on the trip

● Emergency dental expenses that you might incur when you suffer a dental injury while travelling and need dental treatments

● Medical evacuation wherein the costs of transporting you to the hospital via air or surface would be covered

● Hospital daily cash allowance wherein you get a daily cash benefit when you are hospitalised abroad

● Medical and body repatriation wherein the costs incurred on sending the dead body back to India are covered

● Accidental death and disablements are covered wherein a lump sum benefit is paid

6. Is there any healthcare exclusion as per the plan?

Yes, if you suffer from any injury or illness due to the following instances, the medical costs would not be covered -

● Self-inflicted injuries or attempted suicides

● Breach of law

● Use of intoxicating substances

● Participation in hazardous sports or activities

● Cosmetic and obesity treatments

● Pregnancy and childbirth-related complications

● Pre-existing conditions, etc.

7. Does this policy cover pre-existing diseases?

No, pre-existing diseases are not covered. If you suffer any medical complications due to such diseases, the claim would not be paid.

8. Who are the travel assistance partners?

Allianz Worldwide are our travel assistance partners. They have a vast network of 8 lacs+ service providers with 24x7 service capabilities.

9. When does the cover begin and end?

The frequent flyer insurance plan is valid for one year. It, thus, begins when you buy the policy and ends when the year is over.

10. What is the process if we need to claim later?

To make a claim, you can get in touch with HDFC ERGO and/or its TPA which is Alliance Global Assist. The company or the TPA would guide you about the claim process and the documents required for the same. Follow the process; submit the relevant documents and the claim would be settled.