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Save time and money with Multi-Trip Travel Insurance

Prices starting at just ₹2,094/yr

  • 1 year validity
  • Multiple coverage options
  • Cashless treatment in hospitals

Millions of Indians love us because

  • Anywhere-Cashless-hospitalisation
    Cashless hospitalisation*

    Worldwide cashless medical facility on your international trip

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Multi Trip Travel Insurance

If you enjoy travelling and exploring new places, multi-trip travel insurance is the best option for you. Multi-trip holiday insurance covers many trips during the policy duration and safeguards you against unforeseen events such as baggage loss, medical emergency, loss of passport, etc. The policy comes with a one-year validity.

Features of ICICI Lombard's multi-trip travel insurance

Multiple coverage options

When you purchase multi-trip insurance cover from us, you can choose from the various sum insured amounts such as USD 1 lakh, USD 2.5 lakh, and USD 5 lakh, and multiple trip duration such as 30 days, 45 days, and 60 days.

Year-long validity

Our multi-trip insurance cover provides extensive coverage for several trips undertaken within 365 days from the date of policy purchase.

Advanced healthcare facilities

With our multi-trip travel insurance, in case of a medical emergency you not only get cashless treatment facility but also gain access to some of the world's best and most reputable hospitals.

Emergency hotel extension

Due to any emergency such as your medical condition, natural disaster etc., if you need to extend your trip, our multi-trip travel insurance will pay for the additional lodging expenses.

7 reasons to buy ICICI Lombard's gold multi-trip travel insurance

Cashless facility

If you end up falling sick on any of your trips, having to arrange cash to pay your medical bills should be the last thing you worry about. Our multi-trip insurance cover provides cashless treatment facility worldwide.


Every trip is different and so is the coverage you’ll need for each one. Our gold multi-trip insurance policy allows you to tailor the policy to suit your specific needs at any time during the policy duration.

No medical test

We don’t need you to undergo a medical screening while planning your trip. This helps you to get multi-trip travel insurance instantly.

VAS for dependents

If your family needs some urgent assistance while you are on your trip, leave it to us. At ICICI Lombard, we provide your loved ones with VAS services such as automotive assistance, medical concierge services and lifestyle services.

Compassionate visit

If your trip takes an ugly turn and you are hospitalised, our multi-trip travel insurance will cover the cost of travel and lodging for a family member who flies down to be by your side to help you recover.

Baggage cover

Losing your luggage while on a trip can ruin your plans. However, if you have a multi-trip insurance policy with us, we will compensate you for the loss.

Age no bar

Did you save your travel dreams for your free time after retirement? Believing age is not a factor in pursuing travel goals, we offer our multi-trip travel insurance for those up to 70 years of age.

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What’s covered under ICICI Lombard's multi-trip travel insurance plan?

  • Inclusions
  • Exclusions
  • While on a trip, if you suffer injury or contract any disease or illness, we will pay you for your in-patient and out-patient medical expenses.

  • If you need dental treatment due to an accident or disease during the trip, we will cover the cost of such treatment.

  • If you lose your checked-in baggage that was in the custody of a common carrier, our annual multi-trip insurance will compensate you with the value of lost baggage.

  • In case of delayed baggage, our multi-trip policy will pay the fixed allowance as per the terms and limitations outlined in your policy document.

  • If you lose your passport while on a trip, our multi-trip travel insurance will cover the costs of acquiring an emergency certificate as a replacement for your passport.

  • If a third party suffers bodily injury or property damage due to an accident involving you, we will compensate for the personal liability.

  • If the insured sustains an injury, or becomes partially or permanently disabled or dies, our multi-trip policy will reimburse the insured or their nominee, depending on the circumstances.

  • If the common carrier is hijacked, we compensate the insured as per the per day rate specified in the policy document.

  • If your baggage, wallet, cash cards or money is stolen, we will arrange emergency cash for you from your immediate relative in your native country.

  • If you have to delay, cancel or interrupt your trip due to a natural or man-made disaster, or the death or hospitalisation of an immediate family member, or due to your medical condition, we will compensate you for your financial losses.

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  • Claims arising due to the treatment of pre-existing medical conditions are not valid under our annual multi-trip travel insurance.

  • Treatment of injury resulting from participation in illegal, adventurous or sporting activities is not covered under our multi-trip travel insurance.

  • If you suffer injury due to war, hostility, rebellion, or other similar occurrences, then our multi-trip travel insurance will not pay for your medical treatment.

  • If are found travelling against the advice of a registered medical practitioner, our annual multi-trip travel insurance will stand void.

  • Our multi-trip travel insurance does not cover any claims made before the commencement of your trip or after you return home from the trip.

  • If you have lost your belongings but have not reported it to the local police, we are not liable to compensate for such losses.

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Eligibility criteria for multi-trip travel insurance plans

In case you are planning to purchase worldwide multi-trip travel insurance from us, then the minimum and maximum age to avail of the policy benefits is 3 months and 70 years, respectively. When buying insurance from us, we let you choose the trip duration out of 30 days, 45 days and 60 days.

Why should you buy
travel insurance online?

  • Switching to the online method allows you compare the coverage under our annual multi-trip travel insurance.
  • When you buy annual multi-trip travel insurance online the premiums are more affordable.
  • You also get immediate cover and a contactless multi-trip travel insurance policy in your mailbox within minutes.

How to buy a travel insurance policy online?

If you have a long list of travel destinations and wish to visit them all in a single year, we can assist you in making your journey more joyful and stress-free. Simply buy multi-trip travel insurance from us by following these steps:


Share your contact information along with a few basic details here and get an instant quote.


Pick the worldwide multi-trip travel insurance that suits your needs.


Pay online using our secure payment gateway.


Get instant multi-trip travel insurance.

Claim procedure for multi-trip travel insurance policy

To claim under our multi-trip travel insurance policy, you’ll first need to notify us about an emergency. Keep all the claim related documents handy. In case of medical claims, you’ll need to keep the hospitalisation bills, registered medical practitioner prescriptions advising hospitalisation, and a few additional documents ready. Whereas, if your belongings are stolen, an FIR copy is required. You can call us to make a claim on our national toll-free number 18001025721 or write to us at


Multi-trip vs. single trip travel insurance

Regardless of your travel frequency, the decision of whether to purchase a single trip policy or multi-trip travel insurance is always a difficult one. The features of both these options are quite distinct from one another. Therefore, you must choose wisely to ensure you have a stress-free travel experience.

Parameters Multi-trip policy Single trip policy
Validity Multi-trip travel insurance comes with a one-year validity. Single trip travel insurance is valid for a maximum of 180 days.
Maximum age The maximum age to purchase this policy is 70 years. To purchase this policy, you must not exceed 85 years of age.
Number of trips You can take as many trips as you want throughout the policy period. The policy is applicable for a single journey, regardless of how many places you visit on that trip.
Trip duration Depending on the policy, the trip duration can be a maximum of 30 days, 45 days, and 60 days. You cannot stay at one place for a period exceeding 180 days.
Suitability Annual trip insurance plans are ideal for frequent travellers. The single trip policy is ideal for those who usually take one or two trips throughout the year.
Premium Multi travel insurance premiums are slightly higher than single trip policies. Single trip travel insurance has lower policy premiums.

How to extend your multi-trip travel insurance policy?

If you are a frequent traveller, having a multi-trip insurance cover shields you against several financial losses. Although the policy comes with a one-year validity, you may find yourself in a situation where your annual trip insurance plan is about to expire. In that scenario, you can extend your policy's terms and benefits by reaching us on our toll-free number 18002666 or writing to us at

FAQs related to COVID-19 for international travel insurance claims

  • COVID-19
  • Other

Can I raise a COVID-19 related hospitalisation claim while on vacation in another country?

Yes, if you contract the coronavirus disease while on an overseas trip and your condition necessitates hospitalisation, then you can claim for both in-patient and out-patient COVID-19 related hospitalisation expenses.

What if I catch coronavirus and my health conditions force me to cancel my trip? Will the insurer compensate me for my financial losses?

Yes, if you have purchased multi-trip travel insurance from us, we will compensate you for any financial losses incurred due to trip cancellation or interruption caused by COVID-19 illness to you or your immediate family member.

What is the maximum age limit on an annual multi-trip policy?

To purchase an annual multi-trip policy, the age of the proposer should not exceed 70 years.

How many times can I travel if I have a gold multi-trip policy?

When you purchase a gold multi-trip, you can take as many trips as you want throughout the policy period. However, when it comes to your trip duration, then depending on the option chosen, the maximum length of a single trip can be 30 days, 45 days, or 60 days.

Can the period of travel insurance be extended for multi-trip travel insurance?

Yes, at ICICI Lombard, we allow emergency trip extension in certain circumstances such as medical conditions, natural catastrophes etc. To request an extension, contact the assistant service provider, or reach us at our toll-free number 18002666 or email us at

Do I need to undergo any medical examination for coverage?

No, medical check-ups are not mandatory to buy multi-trip travel insurance from us.

When does the coverage for a multi-trip start?

The benefits offered under the multi-trip travel insurance will begin from the date of commencement of your journey to the day when you return to your home country after completing your overseas trip.

Reviews and ratings

  • 4.5

  • Our customers have rated us

    Based on 832 reviews
Product Product Code UIN Code
International travel insurance 4129 ICITIOP22093V032122

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