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Single trip or Multi trip travel Insurance: What are Travellers Choosing?

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Travelling can be one of the most fun things you get to do. Whether you're travelling for business purposes or leisure, every trip brings you a new experience. Now, amidst all the fun, you must not forget about safety. When you're travelling to a new destination, unforeseen circumstances can accidentally occur, which is why you should secure yourself with travel insurance.

While checking the coverages, you'll get two options: a single-trip and a multi-trip travel insurance plan. Each of these travel insurance plans has its benefits. You need to compare the two before you finalise your choice.

Single Trip Travel Insurance

As the name suggests, single-trip insurance provides coverage for only one trip, whether international or domestic, usually for up to 180 days It covers flight delays, baggage loss, ticket cancellations, passport loss and medical emergencies.

Benefits

• Comprehensive coverage from start to end of the trip.

• Flexible for short and long trips.

• Cost-effective for one-time travel.

Best For

• Travellers taking only one trip annually.

• Those on a limited travel budget.

Multi-Trip Travel Insurance

• Multi-trip travel insurance covers several trips over 365 days, ideal for frequent business or leisure travellers.

• It offers year-round protection for all trips taken during the policy period.

Benefits

• Saves time and money with one annual premium.

• 24x7 assistance for travel and health emergencies.

• Continuous protection against trip disruptions.

Best For

• Frequent international travellers.

• Business travellers or impulsive explorers.

What Does the Policy Cover?

Single-Trip Insurance

• Trip cancellations or missed flights

• Loss of baggage or passport

• Emergency medical care

• Theft or burglary

Multi-Trip Insurance

• Loss of baggage and passport

• Trip delays or cancellations

• Emergency medical services

• Emergency evacuation and extended coverage

Which Type is Cheaper?

• For frequent travellers, a multi-trip insurance is cheaper and more convenient than buying multiple single-trip plans.

• Single-trip policies are affordable for one-time or rare travel needs.

Things to Consider

• Trip Duration: Single-trip covers ~180 days; multi-trip covers 365 days with trip length limits.

• Budget: Choose based on travel frequency and affordability.

• Travel Style: Assess if your travel is premium or budget-based.

• Coverage Limits: Check maximum claimable amounts.

• Exclusions: Always read the policy exclusions to stay informed.

Which Should You Choose?

• Travel rarely? Opt for single-trip insurance.

• Going on one long trip? Single-trip still works.

• Spontaneous trips? Multi-trip gives you flexibility.

• Frequent business travel? Multi-trip saves money and stress.

Conclusion

Choosing between single or multi-trip travel insurance depends entirely on your needs. Compare your options using this blog on policy comparison.

you want cost-saving and convenience, go for multi-trip. For one-time or long trips, stick with single-trip. Decide wisely and travel worry-free!

RELATED ARTICLES

4 Benefits of Multi-Trip Travel Insurance

Single trip travel insurance v/s. multi trip travel insurance

Things to Keep in Mind When Buying Travel Insurance Policy

Disclaimer: This information is for illustrative purposes only. Please refer to the policy wordings before making a purchase.

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