October 1, 2023


It's time to think about Travel.

Is It Better To Buy Travel Insurance Per Trip Or Annually?

Asuransi Perjalanan Allianz - Asuransi Allianz

The anticipation that overcomes you as you prepare to embark on an adventure is unlike any other feeling. On the other hand, there is always a chance that you will have an unexpected occurrence that can ruin your trip. This may result from a natural disaster, an unexpected lockdown, a medical emergency, or any other occurrences leading to delays or cancellations. 

Because of this, you should purchase flight travel insurance coverage well before any trip, regardless of whether it will be domestic or international.

Having travel insurance from India protects you financially if something untoward occurs during your trip. In addition to that, it can provide financial protection for the following:

  • Cancellations or delays of the trip
  • Documents, including a passport, luggage, or cash, that went missing
  • Costs associated with hospitalisation in the event of an accident or other medical emergency
  • Burglary of a residence
  • Dental emergency
  • Individual legal responsibility
  • Evacuations
  • 24/7 help

Which Is Better: Insurance for a Whole Year or Just One Trip?

Now that you are familiar with the characteristics of a single trip and a multi-trip travel insurance plan consider purchasing one of these policies based on your requirements and the number of times you travel. While selecting a flight travel insurance policy for yourself, here are some important considerations to keep in mind:

How many vacations do you typically take in a given year?

The number of excursions planned for a given year is one of the most important aspects to consider. Get multi-trip travel insurance if you know you will travel several times during a given year. If, on the other hand, you only want to take one journey, you should get travel insurance coverage for a single trip.*

How long do you plan to remain here?

There are better options than a single-trip package if you intend to remain in the country for over 180 days. You should consider purchasing an appropriate annual insurance plan that covers you for more than 180 days at a single location if you plan a vacation that lasts longer than six months.*

How much does each plan cost in total?

You must conduct a thorough cost analysis of all of your travel plans for the next year, whether you want to take just one trip or multiple trips throughout the year. You need to compute the cost of single trip plans for each of your scheduled short journeys if you have planned more than one short vacation. After that, contrast their rates with those of an annual or multi-trip travel insurance policy. A single-trip plan typically has lower premiums than a yearly one for the same coverage. Choose the option that will safeguard most of your money.*

Selecting the appropriate travel insurance from India is vital to face unforeseeable occurrences without suffering monetary damages. You may not have time to purchase a travel insurance policy if you decide to organise your trip on the spur of the moment. Yet, the travel arrangements are pre-planned the vast majority of the time. By purchasing travel insurance, you can protect yourself against potential hazards and ensure your trip goes off without a hitch. Research several aspects of your journey and select a plan that addresses all of your concerns. Also, make sure that you compare several travel insurance policies online and pick the one that offers the best deal.


If you are going on holiday with your family or other loved ones, you should also consider purchasing a family travel insurance package. Before packing your bags and heading off to your following holiday location, you could buy travel insurance online suited for your tastes.

* Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.