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Annual Multi Trip Travel Insurance

Switch to Reliance General Insurance. Trusted by 5 Crore+ Indians

Annual Multi Trip Travel Insurance

Annual Multi Trip Travel Insurance

  • No Paperwork
  • No Medical Check-up
  • Cashless Hospitalisation Worldwide
Annual Multi Trip Travel Insurance

Plan Details

Are you travelling multiple times in a year? Do you spend most of your pre-trip time finding and buying the right travel insurance? Multi-Trip Travel Insurance is all you need.

Designed for frequent travellers, multi-travel insurance is a single-plan solution for all your needs. Benefit from comprehensive coverage, journey support, medical assistance and more under a single travel policy.

Reliance Multi-Trip Holiday Insurance is carefully curated to offer maximum financial protection at affordable rates. So, if you have multiple trips planned for the year, you must secure your trip with Reliance Annual Multi-Trip Travel Insurance.

5 Crore +
Happy Customers
100% 
Claim Settlement Ratio
2-minute
Policy Purchase and Extension
Up to USD 500,000
Sum Insured Benefits
₹2074
​Premiums start at just

​What is Annual Multi-Trip Travel Insurance?

Multi-trip insurance means a type of travel insurance that provides financial protection for multiple trips within a single plan. With annual travel insurance, you receive extensive coverage for all trips made within a specified period, usually one year.

This policy covers various risks, including passport loss, baggage losses and delays, medical emergencies, trip delays and personal accidents. If you are looking for a cost-effective and comprehensive solution for multiple work trips, our Reliance annual trip insurance is highly recommended. 

How Does the Reliance Holiday Insurance Multi-Trip Annual Cover Work?

  • Buy Policy - Purchase the plan with the most suitable coverage for you.

  • Travel Around - Once you have done this, plan and take trips as planned. You must activate your coverage for each trip by notifying us about the travel dates and destination.

  • Claim Filing and Settlement - If you encounter a covered incident during your trip, file a claim as soon as possible to get a settlement.

Benefits of Annual Multi-Trip Travel Insurance 

Coverage for Multiple Trips

One of the top benefits of multi-trip insurance is coverage for multiple trips under the same plan. For instance, if you are a business owner who needs to visit Greece frequently in a year, our annual business travel insurance plan will effectively cover all your trips.

Financial Protection for Medical Emergencies

Another benefit of our annual travel protection is extensive coverage for medical emergencies for all trips in a year. With this financial safety net, you do not have to stress about spending hefty amounts towards treatments in case of an emergency.

Complete Journey Support

Trip mishaps can be financially and emotionally draining. With our travel protection annual plan in hand, you can get ample financial support for such situations. For instance, you get reimbursed for the pre-booked flights and hotels in case of trip cancellation, compensation for lost baggage, assistance to obtain a fresh or duplicate passport and more.

Third-Party Liabilities

If you cause unintentional damage to a third party or their property during your trip, it can turn into an expensive affair. However, to reduce the burden, you can get the necessary financial support with our annual travel insurance to cover legal and compensatory expenses.

Peace of Mind

With the various benefits of multi-trip insurance, you can explore the world and get your work done with added peace of mind. No matter if it is a medical emergency, trip delay, unexpected flight cancellation or lost passport, you will get hassle-free coverage for these situations under a single plan with Reliance General Insurance.

Also Read - Why you Need Multi Trip Travel Insurance

Reliance Annual Multi-Travel Insurance Plan for Frequent Fliers

  • Comprehensive Coverage for Multiple Trips: Reliance Annual Travel Insurance covers multiple trips under one policy, offering maximum convenience for frequent travellers.

  • Affordable Premiums: We offer competitive premiums to ensure affordability and accessibility for everyone.

  • Wide Range of Coverage: Our cost-effective premiums provide coverage for a variety of unforeseen circumstances.

  • Cashless Hospitalisation: Enjoy cashless hospitalisation worldwide for added peace of mind.

  • High Claim Settlement Ratio: We have a 100% claim settlement ratio, ensuring reliable and efficient claim processing.

  • Easy Online Processes: Manage all policy-related requirements online for a hassle-free experience.​

Features of Reliance Multi-Travel Insurance

Covers Standard Plan (in USD) Silver Plan (in USD) Gold Plan (in USD) Platinum Plan (in USD)

Medical Expenses Incl. transportation, evacuation and repatriation of mortal remains

50,000

100,000

250,000

500,000

Dental treatment

500

500

500

500

Loss of passport

300

300

300

300

Total loss of checked-in baggage *​

500

1,000

1,200

1,500

Delay of checked-in baggage

100

100

100

100

Personal accident

15,000

20,000

25,000

30,000

Accidental death - common carrier

2,500

2,500

5,000

5,000

Personal liability

50,000

100,000

200,000

250,000

Daily allowance in case of hospitalisation

NA

25 per day (5 days max)

25 per day (6 days max)

25 per day (7 days max)

Financial emergency assistance

NA

300

300

300

Hijack distress allowance

NA

50 per day (7 days max)

75 per day (7 days max)

125 per day (7 days max)

Trip delay

NA

25 per day (6 days max)

50 per day (6 days max)

60 per day (6 days max)

Trip cancellation & interruption

NA

600

600

600

Missed connections

NA

200

300

500

Compassionate visit

Return fare for any one accompanying person - spouse/child/family doctor

What Does Reliance Annual Trip Holiday Insurance Plan Cover?

  • Accidental bodily injury during the trip.

  • Acute anaesthetic treatment of teeth due to an injury.

  • Emergency medical evacuation to India.

  • Insurance against burglary in your home in India while you are travelling abroad.

  • Special distress allowance if your plane is hijacked for more than 12 hours.

  • Cost of obtaining a fresh or duplicate passport in case of a lost passport.

  • Facility to provide you emergency cash in case you lose travel funds due to theft.

  • Expenses incurred if you miss a connecting flight due to a delay.

  • Compensation for death or permanent disability due to an accident within 12(twelve) calendar months of the occurrence of such injury.

  • Expenses incurred if a trip is cancelled or interrupted due to airline, medical, personal employment problems or natural disasters.

  • Expenses incurred while transporting the insured's mortal remains back home (INDIA) or towards burial abroad in case of an untimely demise.

  • Expenses incurred if a trip is delayed for more than 12 hours due to airline, medical, personal employment problems or natural disasters.

  • If your checked baggage is delayed more than 12 hours, we will reimburse your essential expenses. We will also compensate you in case the common carrier loses your baggage completely.

  • If you're hospitalised for more than 7 days, you can be reimbursed the return ticket fare for a family member visiting you, the insured.

  • Compensation for a third party in case your involuntary actions result in someone's demise, cause someone injury or damage to health or property.

What Does Reliance Annual Holiday Insurance Cover Not Include?

  • Pre-existing medical conditions, unless it's a life-threatening condition.

  • Life-threatening conditions arising out of disclosed pre-existing diseases, which are mentioned in the policy schedule, are covered only for people up to 70 years of age. Customers need to declare all pre-existing diseases while taking the policy.

  • Claims arising out of non-disclosed and non-declared pre-existing medical conditions will not be covered.

  • Expenses incurred due to any of the following conditions:

  1. ​​Suicide

  2. ​Self-inflicted injuries or illnesses

  3. Mental disorder

  4. ​Anxiety, stress or depression

  5. Venereal diseases

  6. Alcohol/drug abuse

  7. HIV/AIDS

  • Expenses incurred if you're:

  1. ​Travelling against the advice of a physician and having to be hospitalised.

  2. Receiving or are on a waiting list for specified medical treatment.

  3. Travelling to receive treatment abroad.

  4. Have been given a terminal prognosis for a medical condition.​

  • Any issues faced due to theft or loss of passport when left unattended or if you don't report the loss to local police authorities.

  • In case of loss of checked baggage, no partial loss or damage shall become payable.

  • War or nuclear threat in the country where you're travelling.

  • Any emergency financial assistance claims made after you have returned to India.

Why Choose Reliance's Annual Travel Insurance?

Comprehensive Coverage

One of the top reasons why you should choose annual insurance cover for your trips from Reliance General is to enjoy comprehensive coverage. You can benefit from financial assistance for medical emergencies, trip mishaps, personal liabilities and much more for all trips under a single plan.

Cashless Hospitalisation

Reliance's multi-trip cover offers cashless claim flexibility for medical emergencies to offer maximum convenience in filing claims no matter where you are. All you need to do is file an online claim for the annual trip insurance with the right documents. Once done, we verify the claim and settle the payment directly with the hospital on your behalf.

100% Claim Settlement Ratio

We have a 100% claim settlement ratio for FY 2023-24. This ensures you benefit from timely and efficient claim settlements against your travel insurance claims.

Online Convenience

Reliance offers a user-friendly website to reduce the hassle of physical appointments for policy purchases, extensions and claims. You can fulfil any of these requirements online from anywhere in just a few minutes.

24/7 Customer Support

Our dedicated customer support team is available 24/7 for instant query resolution and acknowledgement. Whether you have an emergency or require assistance buying annual holiday insurance, we will ensure you get the right support.

Easy Trip Extension

If you need to extend your trip for medical treatment or other reasons, we offer an easy extension process that can be completed at your convenience. This ensures you benefit from continuous coverage until your trip ends.

Additional Benefits

Along with comprehensive coverage, you get additional benefits with Reliance Annual Multi-Trip Insurance. The list includes financial emergency assistance, daily hospitalisation allowance, hijack distress assistance, home burglary insurance, compassionate visit cover and many more.

Who Should Consider Annual Multi-Trip Travel Insurance?

Frequent Travellers

If you are a frequent traveller who takes multiple trips to the same destination for work purposes, this plan is an affordable solution. You get coverage for all trips under the same plan, which reduces the hassle of purchasing a new policy for every trip.

Travellers Who Need Comprehensive Coverage

When you buy annual travel insurance, you benefit from comprehensive coverage for various unforeseen circumstances. This plan is very beneficial for travellers who take frequent trips and are exposed to different risks during their travels.

Travellers Looking for Cost-Effective Annual Coverage

Individual travel insurance plans for frequent travellers can be a significant financial burden for people. Thus, a better and more cost-effective solution for such travellers is a multi-trip travel insurance policy. The premiums are cheaper, and you get 1 year of coverage under the same policy.

Eligibility Criteria for Annual Travel Insurance Plans

The eligibility criteria for our annual multi-travel insurance are straightforward. The list includes -

  • Age - The traveller should be between 3 months and 70 years old only.

  • Trip Duration - Every single trip should either be within 30 days or 45 days long. No longer than a certain duration is eligible for this plan.

  • Health - Certain health conditions might make travel too risky, restricting the purchase of travel insurance. Thus, you must be transparent about your health conditions to check for eligibility.

How to Buy Multi-trip Travel Insurance Online?

You can buy Reliance annual trip travel insurance online by following these few simple steps:

  • Step 1: Go to our homepage and navigate to our Travel Insurance page from there.

  • Step 2: On the travel insurance page, enter your details, such as name, number, travel destination and number of travel days.

  • Step 3: Choose your desired plan and click buy now.

  • Step 4: Check your plan details, like the premium amount, and then enter the remaining personal details.

  • Step 5: Select your preferred mode of payment and proceed to pay.

You will get your annual travel insurance policy once you complete the payment.

Factors Impacting Annual Multi-Trip Travel Insurance Price

Age

Your age is taken into consideration when finalising any annual multi-trip insurance premium. For younger people, the premiums may be lower due to a lower risk of health issues. However, for older people, the premiums may be higher due to the high risk of health complications.

Travel Destination

The premium might not vary significantly for most travel destinations. However, a higher premium may be charged for trip locations that are considered dangerous or at high risk of theft and other crimes to offer necessary coverage.

Trip Duration

Your chosen trip duration can also affect the premiums. For instance, shorter trips throughout the year have a lower premium than longer trips that require more coverage for the additional days.

 Type of Coverage

There are different types of annual travel insurance plans. Thus, based on the type of coverage you choose for your multiple trips, the premiums can vary. For lesser coverage, the premium may be lower and vice versa.

Add-Ons

Our plans offer a wide range of add-ons to help you customise your plan for additional coverage. The premiums can increase based on the number and type of add-ons you combine with your plan.

Pre-Existing Conditions

Individuals with pre-existing conditions incur a higher premium than individuals with no such issues. This is because the chances of medical emergencies are higher for travellers with pre-existing conditions. Moreover, they might require additional coverage with their plan for financial security.

Single-Trip vs Multi-Trip Insurance

Parameters Single Trip Travel Insurance Multi-Trip Travel Insurance
Coverage Duration It offers coverage for a single trip only.It offers for multiple trips taken in a year.
PremiumsLower premiums, as only a single-trip coverage is available. Higher premiums, as multiple trips are covered.
Scope of CoverageIt includes coverage for lost or delayed baggage, lost passport, trip delays, cancellations or interruptions, dental treatments, medical assistance and more for a single trip. It includes coverage for lost or delayed baggage, lost passport, trip delays, cancellations or interruptions, dental treatments, medical assistance and more for multiple trips taken in a year.
Ideal ForFor individuals who take one or two trips in a year.For frequent travellers who take multiple trips in one year.
Number of Permitted TripsOnly 1 trip.As many trips as required within the policy period of 1 year.

Annual Multi-Trip Travel Insurance Claims Process

  • Step 1: Inform us about the incident within 24 hours of its occurrence. You can do so by calling us at +91-1800-209-55-22 or downloading our Reliance Self-i App.

  • Step 2: Collect all the necessary support documents for the multi-trip insurance claim. This will include a First Information Report (FIR), photographic evidence if valid and other applicable documents based on the claim type.  

  • Step 3: Once done, submit the applicable claim form and supporting documents for verification.

    1. For a reimbursement claim - Submit the documents and form to us via courier to this address - Europ Assistance India Pvt. Ltd., 7th Floor, Star Hub, Bldg No. 2, Near ITC Maratha Hotel, Sahar, Andheri East, Mumbai.

    2. For a cashless claim - Contact us at +91-22-4890-3009 or email us at reliance@europ-assistance.in and submit the documents as requested.

  • Step 4: Once we receive your documents, we will verify them. If approved, you will either receive your multi-trip travel insurance claim settlement amount reimbursed to your bank account or directly settle with the other party involved.

Multi-Trip Insurance Claim: Required Documents

You need to complete the KYC Process as per the AML/CFT Guidelines issued by IRDAI. You also need to submit PAN/Form 60 along with the documents mentioned below.

  1. The original ticket/boarding pass, a copy of the passport indicating the travel dates, and the completed claim form for every claim.

  2. Original bills/vouchers/reports and discharge summary for all claims.

  3. An official death certificate and a physician's statement giving the cause of death to avail reimbursement of the costs of transporting the mortal remains of the Insured/Insured Person to the Republic of India or costs of burial abroad.

  4. For claims related to a lost passport, you have to submit a Police Report obtained within 24 hours of the Insured/Insured person becoming aware of the theft, along with the original bills/receipts of expenses incurred for a new/fresh passport.

  5. In the event of checked-in baggage loss, the common carriers usually issue a Property Irregularity Report or other report. A letter from the airline stating the compensation, if any, received for the lost baggage will also need to be submitted.

  6. For claims related to personal liability, you need to submit proof of a Court decision.

  7. For claims under the financial emergency assistance benefit, the police report filed within 24 hours of becoming aware of the robbery must be submitted.

Also Read -Documents Required to Register a Claim: Inland Travel

Tips to Buy Multi-Trip Insurance

Assess Your Needs

The first thing to do is assess your coverage needs. This includes understanding the extent of coverage you want to get financial protection for in times of emergencies during your trips. For further clarity, you must also check your needs based on the number of trips planned for the year, the trip itinerary and the travel destination.

Compare Plans

Compare our different annual travel insurance plans based on their coverage and premiums. This will help you choose a plan that best aligns with your coverage needs and budget.

Check Pre-Existing Conditions and Related Inclusions

Every annual multi-travel insurance plan does not include pre-existing conditions. Some might offer limited coverage or no coverage at all. Thus, you must review every plan based on the inclusions related to pre-existing conditions if you have any to get support. Our Reliance Travel Care Policy covers life-threatening pre-existing medical conditions.

Assess Policy Exclusions

Other than assessing the coverage included in the plan, check the policy limitations, terms and exclusions. This is necessary to choose the right plan and get the necessary coverage during trip mishaps and emergencies.

Review Online Claim Process

With annual multi-trip travel insurance, you get coverage for many trips. However, each trip will require a different claim. Thus, you must review the convenience of online claims to get timely settlements. With Reliance General Insurance, you can file a cashless claim using our national and international assistance facilities.

Check Customer Support

In addition to assessing the insurer's claim settlement ratio and market image, you must review the customer support available. This will ensure you get the necessary assistance and query resolution on time.

Reliance General Insurance offers 24/7 customer service to help you with any doubts instantly.

Also Read -Why We Should Compare Travel Insurance

How to Extend Your Multi-Trip Travel Insurance Policy?

If, due to sudden itinerary changes or emergencies, you need to extend your trip, you can request extended coverage with your annual travel plan. Reliance General Insurance ensures convenience and easy coverage extension.

The simple process to extend your long-stay annual travel insurance is as follows -

  • Download two forms - The Extension Form and the Good Health Declaration Form from our website.

  • Fill them out accurately with the correct information.

  • Please review the forms and then submit them at our nearest branch. If necessary, you may be required to submit additional documents.

Related Articles to Multi-Trip Travel Insurance

Disclaimers: *T&C Apply. Details mentioned are for Reliance Travel Care Policy: Annual Multi Trip Plan UIN: RELTIOP08002V010708. Premium: The premium mentioned is excluding taxes for medical sum insured of $1,00,000 for an individual aged 20 years on a trip of 30 days per trip. This is applicable for geographical regions excluding USA and Canada only. Total loss of checked baggage: Maximum amount payable per checked in baggage in case more than one bag has been checked in is 50% (100% for only one checked in baggage) of applicable sum insured and per item in baggage max 10%.​​

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Average Rating:

4.9(Based on 329 ratings)

Showing 10 reviews

  • “good travel insurance for backpackers.”

    I am a backpacker and I have purchased the annual multi trip travel insurance for myself.

    Mihir M19 February 2018, Kalyan
  • “good policy for a frequent flyer”

    Purchased the annual multi trip travel insurance plan. I am a backpacker and this plan covers me for every international trip in a period of one year. Thanks Reliance!

    Sunil K4 January 2018, Pune
  • “Confident and Happy”

    Reliance General Insurance team is very helpful and confident.I was happy interacting with them.Thank You

    Ishwar Reddy21 June 2016, Hyderabad
  • “I am very happy with their service”

    One stop solution for all travel insurance queries. Reliance annual multi trip insurance keeps me protected during my frequent travels to foreign countries. I am very happy with their service.

    Raman K10 November 2015, Delhi
  • “Confident and Happy”

    Reliance General Insurance team is very helpful and confident.I was happy interacting with them.Thank You

    Ishwar Reddy14 October 2015, Hyderabad
  • “Claim settlement was fast”

    You truly find out about a Insurance company when its the unfortunate time to file a claim , Reliance General Insurance was quick with the response and paying claims.

    Montu Singh8 October 2015, Kolkatta
  • “Clarity in products”

    The team from Reliance General Insurance have done a great job and have cleared all my doubts

    Anuja Memani29 September 2015, Mumbai
  • “Happy to be with Reliance General”

    I have been with Reliance for last 5 years and I am only happy to see that their services are improving and they are setting benchmark for all…Kudos team …..

    Mayuri Parab22 September 2015, Thiruvananthapuram
  • “Happy and proud customer”

    I am happy and proud to be a customer of Reliance General Insurance.I had put a claim and the same was settled before TAT.

    Radhika Gandhi15 September 2015, Lucknow
  • “Good features”

    Your free sim card was very helpful whilst I was travelling.

    Vibha Tyrewala4 September 2015, Mahesana
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