Gold Multi Trip Travel Insurance - Frequent Flyer Travel Insurance Plan

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Get travel insurance priced as per your expected travel days in a year

As a frequent traveller, you can avoid the hassles of buying travel insurance for each trip and get a one-time comprehensive travel insurance plan, priced as per your expected number of travel days in a year.

7 reasons to buy ICICI Lombard Gold Multi Trip Travel Insurance

Customise your policy as per your travel calendar

Our Multi Trip Travel insurance lets you secure up to 30, 45 or 60 days of travel per year, at one go
Experience more coverage without travel worries

Secure your travel with an insurance plan that offers you a sum insured of up to $ 500,000
If you lose luggage, we will compensate the loss

We offer coverage for total loss of checked-in baggage including handbag
Take care of your loved ones, even when you are miles away

Get value added services like medical concierge, automotive and lifestyle assistance
Access high-quality medical care when you need it

Benefit from our tie-up with United Health International (UHI), one of the largest and most diverse healthcare companies in the United States
If you face a medical emergency abroad, get immediate help with our cashless facility

Your travel insurance plan lets you avail cashless hospitalisation facilities worldwide
Age should be no bar to make travel plans

Our Multi Trip travel insurance is available for individuals of up to 70 years of age

Value Added Services for Dependents in India ^$*

With ICICI Lombard International Travel Insurance feel secure because your loved ones back home enjoy an array of concierge services when you are on the move.

1) Medical Concierge Services for Dependents in India

Telephone Medical Information: We will arrange for facilitation of health information for you over the phone
Medical Service Provider Referral: We will provide the details of the medical service provider such as name, contact number, details of the office hours of the hospital/clinic
Appointments with Local Doctors for Treatment: We will facilitate an appointment with the local doctor
Home Nursing Care Assistance

We will provide the assistance for home nursing to ensure your loved ones are being taken care when you are away.

Monitoring assistance
Evacuation / Repatriation Services

2) Automotive Assistance Services for Dependents in India

Minor on the spot repair
Breakdown Services & Towing
Flat tyre service
Jumpstart

3) Lifestyle Services for Dependents in India

Gifts/Flowers Delivery Assistance
Dining Referral and Reservation Assistance
Business Services, including translation of official documents, assistance with tax consultants and attorneys
Special Events and Performance Assistance including arrangement of tickets for sports and other events
Home Movers Assistance
Plumbing Assistance
Electrical Assistance
Pest Control Assistance
Home Cleaning Assistance
Electrical Gadget Repair Assistance

^$ The liability of the Company would always remain limited to providing assistance in terms of arranging the above mentioned services. All charges towards such services would be borne by the insured person.
Note: *Applicable for specific plans

Plan available upto 70yrs of age
Cashless health services available worldwide
Get quality health care with UHI
During a year, you can secure as many as 30, 45 or 60 days
Your loved ones can avail of Medical Concierge Services , Automotive Assistance and Lifestyle services even when you are away from home. (These are value added services)
Gold Multi Trip policy offers worldwide coverage. However due to the latest insurance requirements by Schengen Consulates, Gold Multi trip policy is not valid for getting Schengen Visa for customers who are above 50 yrs of age. If you are falling in the said age bracket and are planning to travel to Schengen countries, we would request you to buy a single trip policy by choosing "Schengen Countries" as your travel location"
Emergency Hotel Extension
Reimbursement for the trip being cancelled or interrupted due to medical problems, acts of terrorism or natural disasters.
Compassionate Visit
Political Risk and Catastrophe Evacuation
Get covered for hospitalization in case of Swine Flu / H1N1 influenza, if it is not a pre-existing disease.

Please note: Any claim due to or arising out of pre-existing medical condition/ailment whether declared or undeclared is not covered under the policy.

Policy Wordings Glossary Read Features and Benefits

Checklist for buying Travel Insurance

Read Article

What is the Limit of Carrying Foreign Currency?

Bad Airports: Traveller Complaints and Facilities

Exploring Asia? Beware of these airports that are notorious for their bad facilities.

Understand your Multi Trip travel insurance policy coverage

Your policy covers:

Total loss of checked-in baggage
Trip cancellation and interruption

Benefits	Sum Insured	Deductibles in $/Hrs
Medical Cover (includes medical evacuation cost)	US$ 7,500	US$100 (Total amount applicable for Medical Expenses along with the applicable extension under Medical Expenses)
Repatriation of Remains (Including in medical sum insured)	US$ 7,500	NA
Dental Treatment	US$ 300	US$ 100
Total Loss of Checked-in Baggage	US$ 500	NA
Delay of Checked-in Baggage^*$$	US$ 100	NA
Loss of Passport	US$ 300	US$ 50
Personal Liability	US$ 1,00,000	5% of Actual
Personal Accident	US$ 15,000	NA
Hijack Distress Allowance^*##	US$ 125 per day for max. 7 days	NA
Emergency Cash Advance	US$ 1,000	NA
Trip Cancellation and Interruption	US$ 500	NA
Missed Flight Connection^#$$	US$ 500	NA
Trip Delay^*$$	US$ 500	NA
Political Risk and Catastrophe Evacuation	US$ 7,500	NA
Accidental Death (Common Carrier)	US$ 5,000	NA
Value Added Services

^*$$ Delay of more than 6 hours
^*## Delay of more than 12 hours
^#$$ Delay of more than 3 hours

Sublimit A: For policies with medical expenses sum insured over US$ 100,000,the limit of liability of the company will be restricted to US$ 100,000 per sickness, disease or accident sustained or contracted within the period of insurance whilst on the trip abroad, that may lead to one or more medical expenses and/or hospitalisation expenses.

Sublimit B: Applicable for all plans, for persons aged 51 years and above.

NOTE:

Multi Trip policy offers worldwide coverage. However, due to the latest insurance requirements by Schengen consulates, Multi Trip policy is not valid for getting Schengen visa for customers who are above 50 years of age. If you fall in the said age bracket and are planning to travel to Schengen countries, we recommend a Single Trip policy choosing ‘Schengen Countries’ as your travel location.

Refer to the Policy Wordings document to understand exactly what all your policy covers, so you can benefit from it better.

Your policy does not cover:

Any claim due to or arising out of pre-existing medical condition/ailment, whether declared or undeclared, is not covered under the policy. Your policy will also not include the following:

Addiction to alcohol, drugs
Mental disorder, anxiety, depression
Venereal diseases
Sexually transmitted diseases, AIDS, HIV
Radiation, nuclear weapons induced

Sporting activities
Expenses arising out of loss of valuables, money, securities and tickets
Naturopathy treatment, ayurvedic/homeopathic therapies
Treatment relating to removal of physical flaws - cosmetic or plastic surgery
Costs incurred relating to rest or recuperation at a spa or health resort

It’s always a good idea to be aware of what is excluded from your policy; so make sure you read the Policy Wordings.

Check your eligibility for Multi Trip policy

If you are an individual between the ages of 3 months and 70 years, you are eligible for the Multi Trip policy.

Explore our simple, hassle-free claims process

In case of an unforeseen medical or non-medical emergency while travelling, be assured of complete assistance from us. We will do whatever is required to get you safe, comfortable and back on your feet as soon as possible.

All you need to do is reach out. Use any of the following ways to get in touch, and leave the rest to us.

In USA and Canada: +1 844 871 1200 (Toll Free)

From the rest of the world: + 91 124 4498778 (Call back facility)

In India: 1800 102 5721 (Toll Free & Accessible in India only)

Fax: +91 124 4006674

Email: icicilombard@falck.com

Get answers to common queries about Gold Trip travel insurance

GENERAL
COVER
PREMIUM
CLAIMS
POLICY

Does this policy cover pre-existing diseases?

Any claim due to or arising out of pre-existing medical condition/ailment whether declared or undeclared is not covered under the policy.

Is there cover for pre-medical conditions like diabetes?

Any claim due to or arising out of pre-existing medical condition/ailment whether declared or undeclared is not covered under the policy.

Why do I need Travel Insurance?

Unfortunate events such as baggage loss, passport loss, a medical emergency or an accident can affect your travels, whether for business or leisure. International Travel Insurance protects you from such perils by ensuring that you are not left stranded in any kind of emergency.

What sum insured should I opt for while traveling to Schengen countries?

You should choose a plan with a minimum sum insured of USD 50,000.

Are there any sub-limits applicable for Schengen countries?

No, there are no sub-limits applicable for Schengen countries.

In case medical treatment is required, is there any need for pre-approval before hospitalization?

You will need to contact our ASP and they will arrange for cashless claims for the medical treatment.

Where can I find out more about the policy coverage?

Please refer to the policy wordings for complete coverage details.

Can more than one policy be issued for the same trip?

Each individual is to be insured by not more than one policy during their journey.

Are business travellers eligible to purchase a Travel Insurance policy?

Yes. Our travel insurance is designed for both leisure and business travellers. Business travellers who go abroad frequently can avail of multi-trip plans.

When does the cover begin and end?

You are covered from the start date of your trip or the policy start date. These will be confirmed on your policy schedule once the policy is purchased.

What if I fail to produce the required documents?

There are some documents that are definitely needed, without which a claim will not be paid. We will try and assist you to find surrogate means to get the required proof.

Within how many days should the claim for insurance benefit be submitted?

Claims should be submitted in 30 days, i.e., within a month after the completion of treatment. In the event of death, they can be submitted after the repatriation of the person's remains/burial.

Will my charges be paid directly to the service provider or do I need to pay the bill first and then claim it from ICICI Lombard later?

For hospitalisation, Please call on +1 844 871 1200 (From USA/Canada), on +91 124 4498778( From Rest of the World) , which you would have to call up for the cashless claim, and for a physician visit, you will be getting reimbursement on his bills

What is the process if we need to claim later?

The forms are available on the website, and you will also receive the forms along with the policy, you can submit them with the relevant documents.

What are the modes of payment?

Now you can choose between 5 payment options to pay your premium online:

Credit Card – Make secure premium payments with your VISA, Master and AMEX card.
Net banking - Transfer premium amounts online through ICICI Bank and 9 other select Banks
Bill Pay – Use your ICICI Bank Internet Banking account to pay your insurance premium
Debit Card – Just enter your Citibank Debit Card details to pay your insurance premium directly
Cash Card - Use your Done Card to make payment online
Choose the product you plan to buy and log in to Buy Online
Fill in the transaction details
Choose from the 3, 6, 12 or 24 months options according to your convenience
Access your policy immediately online

How long does it take to receive the policy papers once I purchase the policy online?

The hard copy of the policy will reach you within 7 working days. However, you can buy the policy online within 15 minutes and print the policy instantly. This works as a legally valid document, even at the time of claims, as all you need to have is your passport details and policy number.

What are the charges for policy cancellation?

The fee for policy cancellation is ` 300.

Will I get a refund if I cancel my policy?

The policy bought online will be cancelled and the amount will be refunded on a pro-rata basis provided no claims have been made subject to minimum 30 days left for the policy to expire.

Read All FAQs

Review and Rating

Show oldest on top

99 reviews

Write a review

Vaishali Murli Ratnam | Apr 30, 2016
4

Very helpful, extremely informative and precise information given. Patiently attended the call. Helped by the travel policy team.
Tanya Shah | Apr 30, 2016
5

The team was great while I was enquiring about travel insurance. They did really well and were patient in explaining the policies to me. I give them a rating of 5.
Bharti Gaur | Apr 30, 2016
4

I appreciate the timely response from your travel team. They were very helpful during the whole transaction and very patiently answered all my queries. Thank you team!!
Shalini Kumar | Apr 29, 2016
4

The team is wonderful, excellent and very professional. They are an asset to company. Very clear and explained everything in depth.
Prashant Kumar Jha | Apr 29, 2016
5

Got assistance from your team for purchasing travel insurance. Extremely satisfied with support. Their professionalism, soft speaking skills and patience can prove a great asset for the organisation. Keep it up.
Maharshi Pathak | Apr 29, 2016
4

The team has given great assistance and pertaining information for enrolling the travel policy today. They have very humble behavior and professional approach.
Altaf Ladak | Apr 29, 2016
5

It was a complete pleasure dealing with the team. They are very persistent, did very good followup, explained the product and helped me buy the policy with ease. Great service.
Ajay Potnis | Apr 29, 2016
4

The team helped me through the entire buying process and made the whole experience very good.
Manoj Bhaskar | Apr 28, 2016
4

Your team cleared my doubts. I was hesitant to take ICICI Lombard but going for this based on policy coverage and benefits. The team said that we will not have any mental tension if we prefer ICICI Lombard over others. This policy will cover all illnesses and provide cashless hospitalisation in USA
Rupa Jain | Apr 28, 2016
3

In the address field, I entered city Kharagpur, West Bengal, and correct pin 721301, but it kept telling me please enter correct pin for city. This is the correct pin. Not happy with this error. Please solve this
Ajnav Deka | Apr 28, 2016
4

The team was extremely helpful in booking a new policy. I had to cancel my previous policy and book a new one. They helped me do so seamlessly. Thank you very much for your support. Very customer friendly approach.
Neeli Ramakoteswara Rao | Apr 28, 2016
4

Nice talking to the team, they clarified all my doubts and made it easy for me to make payment. Thank you so much.
Shubhra Sharma | Apr 28, 2016
5

Service was very good. Concepts were very well and very patiently explained. Team was very helpful in providing efficient service.
Palani Jayachandran | Apr 28, 2016
4

The team helped me a lot in expediting the issue with the payments to extend a travel insurance policy. I really appreciate their help on this.
Malay Sankar Pal | Apr 27, 2016
4

The team helped me in completing the process of buying the policies. Their help was quite comprehensive and made it very easy for me.
Sreehari Butla | Apr 27, 2016
4

The team has given all the information regarding the travel insurance policy which I had asked for and I am very much happy with their response on the call.
Priya Kurle | Apr 27, 2016
5

The team was very prompt and very clear about the policy. They helped me to buy the insurance instantly. Very good service.
Sreejith Vattolil | Apr 26, 2016
4

I had a good assistance with lot of patience and the team also helped me to clarify my doubts about the policy. I would like to appreciate the entire team for their excellent communication through out the policy buying process. Also, I will appreciate if you can provide more space to enter bigger names on "Applicant Name" option online during buying. Thank you.
Aasma Parkash | Apr 26, 2016
4

The team provided me with excellent service. They were patient and very kind as well as helpful. They were quick to respond and provided all the necessary information. Thank you team!
Himakar Tatineni | Apr 26, 2016
5

The team was helpful and gave detailed information on the travel insurance. They have a lot of patience in answering all my queries. Rating on a 1-5 scale would be 5. Thanks.
Vikrant Kalra | Apr 26, 2016
4

The team had been extremely helpful in resolving my problem of buying my international policy. Appreciate all their hard work and the work put in by the firm in training them.
G. Eliasheb Kenny | Apr 26, 2016
5

I would like to take this opportunity to appreciate your travel insurance team who has been extremely supportive and helped me with my query. They were extremely courteous and very hands-on with the process. They are professional, patient and definitely the best customer service team I have interacted with. Thank you.
Payal Merchant | Apr 26, 2016
4

I wish to thank your team for their super quick reponse to my queries and helping me to purchase the travel policy online in quick and easy manner. I am extremely happy with the services. The team knows their work throughly to answer and clear all my doubts on purchashing the policy. I hope you still consider the feedback.
Anantharaman Muralimanohar | Apr 25, 2016
5

Hi, I interacted with your team. They guided me with the travel insurance needed and were very lucid in explaining the pros and cons of the different options available. I am highly satisfied with the interaction.
Ranjani Ramamoorthy | Apr 25, 2016
4

The team was very helpful and courteous. They helped us buying the insurance and were patient with us during the process. Good job.
Abhishek Atree | Apr 25, 2016
4

I had a nice time with the ICICI Lombard representative. He helped me in solving all my questions. I recommend him for any traveler who is planning to buy a travel policy.
Sudeep Khire | Apr 24, 2016
3

Not overly happy with the interaction. Customer service team lost my quote which I had created online. I had to go through the whole process again.
Sudeep R. Prabhu | Apr 24, 2016
3

Thank you for your valuable help in registering for travel insuance. However the website of ICICI Lombard is not good. It takes 3 different browsers and help from people to register a travel insurance . It takes ages to do a simple transaction.
Jamil Shaikh Mohammed | Apr 24, 2016
4

My conversation with your team was excellent and they helped me out to buy my travel Insurance policy for Australia. I appreciate their work.
C. J. Sunil | Apr 24, 2016
4

The team was very helpful and useful too. I was able to buy 2 policies while we spoke on phone. Thanks.
Ilakkuvan Thiruvelan | Apr 23, 2016
3

The dropdown menus on the website did not work for city of London and for relation of sister. I tried on windows 10 browser Edge and Chrome. If yourcall center team had not come in the picture, I would have abandoned this and went to a competitor. Thank you.
Vaidyanathan Kameshwaran | Apr 23, 2016
4

The executive was very helpful in giving valuable information about the product and guided me to purchase the product as I desired. Excellent job done by him and he was perfect on his timing too.
Mani Balakrishnan | Apr 23, 2016
4

I was in conversation with your team for my travel policy. They are good in convincing a customer with all your products. I came for travel Insurance and I was convinced by them for the accident policy. I am really happy of such good professionals in the organisation.
Ashish Khamkar | Apr 23, 2016
4

Excellent experience. The team guided me very clearly on the product and buying process. I am extremely satisfied.
Abhilash Bahuguna | Apr 22, 2016
4

The team has been very helpful in providing all the information I needed and helped me throughout the process of buying this policy. I really appreciate their knowledge and the way they interacted with customer. Very professional. Thanks!
Harinder Jeet Singh Oberoi | Apr 22, 2016
5

Your team had serviced my request. They were very helpful. Very clear in communication and expression. I think they will be an excellent trainer to your future teams.
S. H. Koshe | Apr 22, 2016
4

Wonderful help by your team and thanks for giving me extensive help for issuing my travel policy.
Mallesh Harihar | Apr 22, 2016
5

I spoke to your team who were really helpful and understood exactly what my requirement was and helped to get the insurance with minutes. I would recommend my friends to get the travel insurance from you guys.
Martand Rao Shinde | Apr 22, 2016
4

I have got the best information from your team in detail as I am travelling for the first time to Europe. Keep up this good service.
Atul Kumar | Apr 22, 2016
4

I was serviced by your efficient team. They were quite knowledgeable about the product that I was trying to buy and helpful with all my queries. I was able to make my decision and purchase the policy suitable to my needs based on their answers to my queries. Thanks.
Imran QureshiApril 22, 2016 | Apr 22, 2016
5

I had a query about my international travel insurance and I happened to chat with your team. They were very kind and patient to answer all my queries in a very simple and understanding way. I appreciate their help. Please score them 5 out of 5 from me on their survey score card. Thanks ICICI Lombard. You have the best services and customer care.
Anju Gupta | Apr 22, 2016
4

Interacted with your team. For now I am assured that the payment I have done will be realized by you within 24 hrs and I will receive my travel insurance policy soon. Feedback: The feedback form could have a slot for Miss./Ms. considering some of us are unmarried and wud be better off with the accurate title. The online support feature is truly helpful. I hope it resolves my query, shall wait for 24 hours though to confirm. Thanks.
Sumanta Gupta | Apr 21, 2016
4

Really appreciate the help provided by your travel insurance team. They were extremely helpful on the call.
Satyendu Narayan Mukhopadhyay | Apr 21, 2016
4

The team has helped me very much to purchase 2 policies today. They have shown exemplary patience, equanamity, politeness and perseverence. They are an asset to any organisation. Without their help I could not have succeded in purchasing 2 policies, not for my lack of ability to book online but for some lacuna in the system.
Dilip Vadapalli | Apr 21, 2016
4

I got all the information I was looking for and was able to purchase the policy. Fast and reliable service. Thank you!!
Harsha Govada | Apr 21, 2016
5

The website had an issue which would not submit the details to get a quote online and your team had assisted me real quick and gave me the quote. I would give them a 5 on 5 rating for their help.
Deepak Dhuwalia | Apr 20, 2016
4

Very good support from your team, good experience, co-operative and interactive
Swatilekha Mohanty | Apr 20, 2016
5

I spoke with your team who were really helpful with my queries regarding the travel insurance. Thank you for your services.
Sagar Khupsare | Apr 20, 2016
4

The online chat team was very patient and assertive. They explained me the policy terms and conditions. Great work!!
Raju Samala | Apr 19, 2016
4

The way of follow-up from your team was very polite and they explained in detail all the information related to the policy. I would like to give them a 10 on 10 rating.

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Listen to our customers

“We had gone to the US to visit our unwell son. Due to the extreme climatic conditions, I fell sick. We were really worried about high medica... ”

Vallabh Bordawekar - Advocate - Mumbai

“Before flying to London to pursue a higher degree in fashion designing, I got myself insured under the Student Travel Policy of ICICI Lombar... ”

Kim Kipgen - Student - London

“When I had gone to see my son and family in the US, I developed diarrhoea on the first day itself. I was bed ridden and had to be rushed to ... ”

P. Reddy - IT Professional - Hyderabad

“On my way to Bahamas via London for an award ceremony, I was robbed in London and lost all valuables and important documents. Imagine my sit... ”

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ICICI Lombard General Insurance Company Ltd. is one of the largest private sector general insurance companies in India. We offer insurance coverage for motor, health, travel, home and others. Customers can buy or renew policies online with instant policy issuance.

Trade logo displayed above belongs to ICICI Bank Ltd. and Northbridge Financial Corporation and is used by ICICI Lombard GIC Ltd. under license. The advertisement contains only an indication of cover offered. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. ICICI Lombard General Insurance Company Limited, ICICI Lombard House, 414, Veer Savarkar Marg, Near Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400025. Reg. No.115. Fax no - 022 61961323. CIN: U67200MH2000PLC129408.

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A Delightful Trip Awaits!

7 reasons to buy ICICI Lombard Gold Multi Trip Travel Insurance

Value Added Services for Dependents in India $*

$ The liability of the Company would always remain limited to providing assistance in terms of arranging the above mentioned services. All charges towards such services would be borne by the insured person. Note: *Applicable for specific plans

Checklist for buying Travel Insurance

Bad Airports: Traveller Complaints and Facilities

Exploring Asia? Beware of these airports that are notorious for their bad facilities.

Understand your Multi Trip travel insurance policy coverage

Your policy covers:

Your policy does not cover:

Check your eligibility for Multi Trip policy

Explore our simple, hassle-free claims process

Get answers to common queries about Gold Trip travel insurance

Review and Rating

99 reviews

Write a review

Listen to our customers

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Maximum duration per trip

Value Added Services for Dependents in India ^$*

^$ The liability of the Company would always remain limited to providing assistance in terms of arranging the above mentioned services. All charges towards such services would be borne by the insured person.
Note: *Applicable for specific plans