Annual Multi-Trip Travel Insurance

Do you travel abroad frequently for business work, or leisure? Buying travel insurance every time you travel abroad could be a hassle. As a frequent traveller, you can opt for an Annual multi-trip travel insurance and secure all your trips for a whole year. ACKO's Annual Travel Insurance is a single policy that covers you on every international trip for the entire year. Travel smarter with ACKO. Leave the paperwork behind, and focus on your journey.

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What is Annual Multi-Trip Travel Insurance?

Annual Multi-Trip Travel Insurance is a travel insurance policy for frequent travellers who take multiple trips in a year. Unlike single-trip insurance that covers only one journey, this policy covers unlimited trips within a period of 12 months. It is ideal for those travellers who frequently go on business, leisure, or whatever other purposes.

Key Features of Annual Multi-Trip Travel Insurance

Here are the key features of Annual Multi-Trip Travel Insurance:

Validity: Coverage under one policy for multiple journeys is valid for only one year.
Duration: The coverage duration for each trip generally ranges from 30 to 180 days.
Eligibility: generally covers a wide age range (12 to 80 years) and covers worldwide travel.
Coverage: Covers medical emergencies, hospitalisations, trip cancellations, flight delays, baggage loss or delays, passport loss, and personal accidents. Often includes personal liability coverage, legal liability protection, and extensions for delays due to unforeseen events during a trip.
Benefit: Provides an affordable and time-saving solution. It allows more frequent trips without taking insurance for each trip separately.
Renewal: Some plans offer grace periods for renewal, with free-look periods allowing you to cancel the policy within a time frame specified for refund purposes.

Why Should You Buy an Annual Travel Insurance Plan?

If you travel abroad more than once a year, this plan is built around your lifestyle. Whether it’s work or wanderlust, with annual travel insurance, every journey is protected.

Annual Multi-Trip Travel Insurance Plan Ideal For:

Business Travellers: Fly across countries for meetings, conferences, or client visits? Buy once, stay covered all year.
Frequent Vacationers: Love short, spontaneous trips? No need to repurchase insurance each time.
Digital Nomads & Remote Workers: Digital Nomads work from anywhere, worry about nothing.
Frequent Family Travellers: One annual multi-trip travel insurance plan, multiple memories.

Annual Multi-Trip Travel Insurance Eligibility Criteria

Annual Multi-Trip Travel Insurance gives worldwide protection to frequent travellers. Before you pack your bags, here’s a quick look at the eligibility criteria.

Age Limit: 18 to 70 years (adults). Dependent children aged 3 months to 25 years can be covered under a family plan.
Nationality: Available to Indian citizens and residents with a valid passport.
Travel Frequency: Ideal for travellers taking 3 or more international trips per year.
Trip Duration: Choose between 30, 45, or 60 days per trip.
Medical Fitness: No pre-policy medical test is required for most travellers under 70 years of age, unless otherwise specified.
Eligible Destinations: Global coverage, including Schengen countries. (You can choose Worldwide or Worldwide excluding USA/Canada for pricing flexibility.)

Annual Multi-Trip vs Single-Trip Travel Insurance

Choosing between a Single Trip and an Annual Multi-Trip plan? Here’s an easy comparison to help you make a decision.

Aspect	Annual Multi-Trip Plan	Single Trip Plan

Trips Covered	Unlimited within 1 year	Only one per policy
Ideal For	Frequent flyers, business travellers, digital nomads	Occasional travellers
Purchase Effort	Buy once, stay covered all year	Buy every time you travel
Cost-Effectiveness	More economical for 3+ trips a year	Better for one-off trips
Convenience	One policy, zero renewal hassle	Separate policy each time

Why Choose ACKO’s Annual Multi-Trip Travel Insurance?

ACKO’s annual multi-trip travel insurance is made for frequent flyers who value time, safety, and simplicity. Enjoy global coverage, cashless claims, and 24/7 assistance with us. Here’s why frequent travellers prefer ACKO’s Annual Multi-Trip Travel Insurance plan:

One Policy, Many Trips: Buy once, travel unlimited times within a year.
Instant & Paperless: Get covered in under 2 minutes. All digital, no agents.
Worldwide Support: 24x7 emergency assistance across 150+ countries.
Cashless Claims: Direct settlements at global network hospitals.
Flexible Trip Durations: Choose from 30-, 45-, or 60-day per-trip options.
COVID-19 & Medical Cover: Stay protected from unexpected health costs abroad.

Features Of ACKO’s Annual Travel Insurance

Check out key features of ACKO’s Annual Multi-Trip Travel Insurance: coverage duration, destinations, sum insured, and eligibility for frequent travellers.

Feature	Details

Policy Duration	1 Year continuous coverage
Number of Trips	Unlimited trips within the policy year
Max Trip Duration	30/45/60 days per trip (select at purchase)
Geographic Coverage	Worldwide (including Schengen countries)
Eligible Age	18-70 years
Claim Support	24x7 global assistance
Medical Cover Limit	Up to ₹50 lakh (based on plan)
Add-Ons	Trip cancellation, baggage loss, passport loss, and personal liability

ACKO’s Annual Multi-Trip Travel Insurance Coverage- What’s Covered?

Your travel should be about new experiences, not unexpected expenses. ACKO’s Annual Multi-Trip Travel Insurance has you covered from take-off to touch-down. Here’s what’s included in your year-round protection:

Medical & Emergency Coverage

Emergency Medical Expenses: Covers a medical emergency that requires hospitalisation or daycare.
Accidental Emergency: Covers an accidental injury that requires hospitalisation or daycare
Illness Expenses: Covers expenses incurred while travelling due to illness. Travel-related hospitalisation expenses are reimbursed up to a policy limit under travel insurance.
OPD Expenses: Covers OPD medical expenses due to injuries or illnesses
Physiotherapy Expenses: If you get hurt during your travels, rest assured that the cost of required physiotherapy is covered.
Hospitalisation Allowance: If you are hospitalised due to illness or injury while you are travelling, your daily allowance will be covered.
COVID-19 Coverage: Medical care and quarantine costs if you test positive during travel.
Disability Coverage: Permanent total disability/Permanent partial disability caused by an accident during the travel period.
Medical Evacuation: Get flown home safely in the event of a major illness or injury.
Repatriation of Mortal Remains: Coverage for transporting remains in case of death during travel due to injury or illness during the travel period.

Travel-Related Coverage

Loss of Passport: Assistance and Reimbursement for Reissuance of Passport.
Loss or Delay of Checked Baggage: Compensation for total loss/partial loss of checked-in baggage.
Flight Delay: Compensation for flight delay or cancellation.
Trip Cancellation or Interruption: Refunds for non-refundable flight and hotel bookings.
Missed Flight Connection: Compensation if you miss a connecting flight due to a delay.
Compassionate Visits: Family members’ compassionate visit in case of the insured person’s hospitalisation

Personal & Liability Benefits

Personal Accident Cover: Financial support for accidental injury or death abroad.
Personal Liability: Covers accidental damage or injury to third parties.
Emergency Cash Advance: If you lose your wallet or card abroad, we’ll assist you.
Emergency Stay and Extension: If the insured person needs to stay in a hotel due to a medical emergency, we will cover the cost of their stay.
Legal Coverage: Monetary loss brought on by an extended stay following an injury, illness, or hospitalisation

Add Ons

Delayed Booking: Compensation in the event of a paid booking bouncing during travel
Adventure Sports Injury Cover: Adventure sports-related injuries requiring hospitalisation

ACKO’s Annual Multi-Trip Travel Insurance Exclusions - What’s Not Covered?

Transparency matters especially when you’re far from home. Here’s what ACKO’s Annual Multi-Trip Travel Insurance policy doesn’t cover, so you always know where you stand:

Pre-existing medical conditions (unless declared and accepted).
Travel against medical advice.
Losses due to unattended or misplaced belongings.
Participation in extreme or adventure sports (unless an add-on is chosen).
Travelling under the influence of alcohol or drugs.
Illegal acts or policy violations.
Losses due to war, civil unrest, or nuclear events.

How to Buy ACKO Annual Multi-Trip Travel Insurance Plan?

We believe buying insurance should be as easy as booking a flight. Here’s how to buy ACKO Annual Multi-Trip Travel Insurance, step-by-step:

Visit acko.com or open the ACKO app.

Enter Your Travel Details: Destination region, age, and coverage duration per trip.

Choose “Annual Multi-Trip Plan.”

Review Your Coverage - Medical, Trip Delay, Baggage Loss, etc.

Pay Securely Online — via UPI, card, or net banking.

Step 6.svg
Get Instant Policy in Your Inbox & App.

Pro Tip: You can manage, download, or claim directly from your ACKO app: no agent follow-ups, ever.

How To Claim ACKO Annual Multi-Trip Travel Insurance?

If something goes wrong during your trip, ACKO’s claim process is designed to get you back on track fast. Here’s how ACKO’s Annual Travel Insurance claim process works:

Report the Incident: Through the ACKO app, email, or call our helpline within 24 hours.
Upload Documents: Bills, passport copy, tickets, or reports - directly in-app.
Get Assistance: Our 24x7 global partner network arranges hospitalisation or reimbursements.
Track Your Claim: Real-time updates via app and email.

Documents Required for Multi-Trip Travel Insurance Claim Process

Please ensure that you submit the following documents along with your duly filled and signed claim form obtained from us:

Policy number
Proof of travel (tickets, boarding pass)
Expense receipts or invoices

How ACKO’s Annual Multi-Trip Travel Insurance Saved Arjun’s Business Trips?

Arjun, a marketing consultant, travels abroad almost every month for client meetings. With his busy schedule, he decided to opt for ACKO’s Annual Multi-Trip Travel Insurance, one policy to cover all his trips throughout the year.

During one of his visits to Singapore, Arjun’s luggage went missing along with some essential business documents. Just before panic set in, he remembered his ACKO policy. A quick call to ACKO’s support team was all it took. They guided him through the claim process and helped him recover the costs swiftly.

“ACKO’s team handled everything so efficiently,” Arjun shares. “It was such a relief to know I didn’t have to worry every time I boarded a flight.”

That experience reaffirmed his belief in the value of having reliable annual travel insurance-protecting him from unexpected hassles no matter how often he travels.

How to Extend Your Annual Travel Insurance Policy on ACKO?

Do you need to adjust your travel plans? With ACKO, extending your Annual Travel Insurance policy is just as simple as buying one. If your trip is unexpectedly extended, our process ensures uninterrupted coverage.

Follow these steps to extend your annual travel insurance coverage:

Step 1: Log in to the ACKO app using your registered mobile number.
Step 2:Navigate to the ‘My Policies’ section and select your active travel insurance policy.
Step 3:Tap the ‘Edit Policy’ option to update your travel dates.
Step 4:Submit the changes. Based on the extended duration, pay any additional premium online.
Step 5: Once the process is complete, a revised travel insurance document will be emailed to you immediately.

*Note: Always double-check the information before submitting, especially when you purchase travel insurance online, to avoid claim delays or rejections.

How to choose the Best Annual Multi-Trip Travel Insurance?

If you're looking to buy annual multi-trip travel insurance, it is important to consider these factors to choose the policy that is appropriate for your travel needs:

Frequency of Travel: If you travel three or more times in a year, select multi-trip insurance. Single-trip plans are best for the occasional traveller.
Trip Duration: Review the maximum duration of each trip: 30, 45, or 60 days. Choose a plan that corresponds to the duration of your trips.
Coverage Needs: Compare how you are covered for things like medical emergencies, cancellations and delays, baggage loss, personal accidents, and any other add-ons such as gadget coverage or legal expenses.
Cost Effectiveness: Work out how much single-trip insurance would cost cumulatively for each planned trip, and compare it to the annual price for multi-trip travel insurance. It is usually worth it for short trips.
Destination Coverage: Check if almost all of your destination coverage is included in the plan. In addition to international travel, domestic travel must also be covered.
Provider Reputation: Check if the insurance plan is offered by a trusted provider who is regulated by the government.
Age and Health Requirements: Read the fine print to understand their eligibility requirements, especially age and medical conditions. Some plans do not require a health check at a certain age (such as 70).
Service Support: Look for service provider support benefits like 24/7 emergency assistance, cashless treatment networks, and dedicated claim helpdesks.

FAQs for Annual Multi-Trip Travel Insurance

Here are answers to the most common questions frequent flyers ask before buying an annual plan.

Q1. Can I really travel unlimited times in a year?

Yes! As long as each trip stays within your selected limit (30, 45, or 60 days), you can take an unlimited number of trips worldwide.

Q2. Do I need to inform ACKO before each trip?

Nope. Once you’re covered, you can fly anytime within your policy period — no need for approvals.

Q3. Does this plan include COVID-19 coverage?

Yes, medical treatment and quarantine expenses are covered if you test positive while abroad.

Q4. Is this policy accepted for Schengen visa applications?

Absolutely. It meets all Schengen embassy insurance requirements.

Q5. Can I include my family members?

Yes, you can buy a family floater plan under the same annual policy.

Q6. What if I lose my passport or baggage?

We’ll reimburse you for the cost of re-issuance or replacement, and assist you with emergency documentation.