✈️ The "Airport Panic"
You are at Mumbai International Airport, ready to fly to Dubai or New York for a client meeting. Suddenly, it hits you: "I forgot to buy travel insurance." You scramble to buy a policy on your phone, paying a premium price in a hurry.
If you travel internationally more than 2 or 3 times a year, you are wasting both money and time. There is a smarter product designed specifically for frequent flyers: The Annual Multi-Trip (AMT) Policy.
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| Flying to Dubai 4 Times a Year? |
An Annual Multi-Trip policy covers you for unlimited trips within a 365-day period. You purchase it once, and you are protected for every journey, whether it's a quick 2-day trip to Singapore or a 2-week vacation in London.
Save 40% Instantly
Let's calculate the realistic 2026 cost for a business traveler flying to the US/Europe 4 times a year.
Not only do you save ₹5,500, but you also eliminate the administrative headache. You are legally "ready to fly" at any moment.
The "30/45 Day" Rule (Crucial Warning)
While AMT policies allow unlimited numbers of trips, they have a strict limit on the duration per single trip.
⚠️ Read the Fine Print:
Most Indian AMT policies cover individual trips up to 30 days, 45 days, or 60 days only.
• Good for: Business meetings, short family vacations.
• Bad for: Parents visiting the USA for 6 months.
The Trap: If you stay for 50 days on a policy with a 45-day limit, the insurer may declare the entire trip void from day one, not just the extra 5 days. Ensure your trip length never exceeds the "Max Trip Duration" clause.
Chief Editor’s Verdict
If you travel internationally at least twice a year, the Annual Multi-Trip policy is worth it for the peace of mind alone.
You never have to worry about forgetting insurance again. Your medical, baggage, and flight delay cover is essentially "always on," waiting for you to step onto the plane.
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