Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin

GoDigit Travel Insurance

In today's fast-paced world, the urge to travel and explore new horizons is stronger than ever. People are prioritizing experiences over possessions, filling their bucket lists with destinations near and far. Whether it's the classic allure of Europe or the hidden gems of Thailand's islands, the possibilities for travel are boundless. Thanks to the digital age, not only is planning these adventures more accessible, but so is securing your journeys. Welcome to the world of Go Digit Travel Insurance – your partner in ensuring that your travel experiences are memorable for all the right reasons.

must dot
Buy Best Travel Insurance Plans for your Overseas Journey from Just ₹552 Onwards*
Buy Best Travel Insurance Plans for your Overseas Journey from Just ₹552 Onwards*
  • Loss of passport
    Loss of passport
  • Emergency Medical cover
    Emergency Medical cover
  • Trip delay cover
    Trip delay cover
  • Loss of baggage cover
    Loss of baggage cover

*Standard Terms and Conditions Apply.

The Essence of Travel Insurance

No matter how well you plan your trips, there are always unforeseen travel glitches that can disrupt your journey. These travel glitches can range from flight delays and lost luggage to illnesses and accidents. This is where travel insurance comes into play. Travel insurance is designed to protect you against unexpected losses and disruptions that can occur during your trip.

Types of Travel Insurance

When choosing travel insurance, consider the type that best suits your trip. Different types of travel insurance plans are available based on the purpose, duration, and nature of your journey. It's important to also keep the coverage and premium offers in mind. Here are some common types of travel insurance:

1. Individual Travel Insurance

An individual travel insurance plan is suitable for solo travelers. It is essential to have comprehensive coverage when traveling alone, as you might face multiple uncertainties without the support of fellow travelers.

2. Corporate Travel Insurance

Corporate travel insurance is provided to employees traveling for business purposes. This plan is usually purchased by the employer to ensure the safety and well-being of their employees during work-related trips.

3. Student Travel Insurance

Student travel insurance is tailored to meet the needs of students traveling abroad for educational purposes. It offers beneficial coverage at a reasonable cost to protect students during their overseas studies.

4. Group Travel Insurance

Group travel insurance is designed to benefit an entire group of travelers who may face unforeseen expenses or losses during the trip. This type of insurance often comes at a lower cost compared to individual policies for each traveler.

5. Family Travel Insurance

Family travel insurance covers the immediate family members of the policyholder under a single plan. It is designed to provide comprehensive protection for families traveling together.

6. Senior Citizen Travel Insurance

Traveling at an older age carries its own set of risks, making senior citizen travel insurance essential. It protects against unforeseen issues such as medical expenses, financial emergencies, and more.

7. Domestic Travel Insurance

Domestic travel insurance is suitable for trips within your own country. It provides coverage for various situations, including trip cancellations, medical emergencies, baggage loss, and more.

8. International Travel Insurance

International travel insurance is a must for trips abroad. In many countries, it is a mandatory requirement when applying for a visa. This type of insurance safeguards travelers from unforeseen expenses and mishaps during international travel.

9. Schengen Travel Insurance

Schengen travel insurance is specifically applicable when traveling to one of the 26 Schengen countries. It not only helps with visa approval but also offers protection against financial losses and other unexpected events.

10. Annual or Multi-trip Travel Insurance

An annual or multi-trip travel insurance plan is suitable for frequent travelers, especially those in the corporate sector. This type of insurance covers multiple trips taken throughout the year.

11. Single Trip Travel Insurance

A single trip travel insurance plan is designed for individuals who travel abroad occasionally, rather than frequently.

Why Should You Have Travel Insurance?

Travel insurance becomes invaluable in various scenarios:

1. Unpredictable Travel Hiccups: Travel insurance offers protection against unexpected hiccups such as flight delays, luggage mishaps, theft, illnesses, and accidents.

2. Medical Emergencies: Whether you or your travel companion falls seriously ill or faces a medical crisis during your vacation, travel insurance comes to the rescue by covering non-refundable expenses like flight tickets and hotel reservations.

3. Strikes or Riots: In situations like airport closures due to political tensions or civil unrest, travel insurance steps in to cover your pre-booked, non-refundable expenses.

4. Natural Calamities: When Mother Nature unleashes her fury, affecting your home or travel destination, travel insurance helps shoulder the financial burden if you decide to cancel your trip.

5. Lost or Misplaced Passport or Visa: Losing your travel documents just before your departure can be a nightmare. Travel insurance provides coverage for expenses associated with trip cancellations due to document loss.

6. Flight Delays: Travel insurance can reimburse you for flight delays, even if the delay is as short as 75 minutes for domestic flights. Claims are often initiated automatically for your convenience.

7. Missing Connecting Flights: If a delayed flight causes you to miss your connecting flight, Go Digit Travel Insurance can provide compensation if the previous flight was delayed by more than 75 minutes.

8. Unexpected Hospitalization: In case you require hospitalization while abroad, travel insurance covers treatment costs, room fees, medical expenses, diagnostics, and other related costs.

9. Baggage Issues: Whether your baggage is delayed for a few hours or lost entirely, travel insurance provides coverage for your belongings. What's more, it offers a flat benefit for lost baggage, simplifying the claims process.

10. Cancellations: Travel insurance can cover pre-booked, non-refundable expenses in case you have to cancel your trip due to emergencies like hospitalization, legal summons, natural disasters, strikes, loss of passport, and other covered reasons.

Benefits of Go Digit's Travel Insurance

Here are some key advantages of Go Digit's travel insurance policy:

  1. Zero Deductibles: You won't have to pay anything when making a claim. The entire cost is covered by Go Digit.

  2. Adventure Sports Coverage: Go Digit covers activities like scuba diving, bungee jumping, and skydiving (up to one day's duration).

  3. Immediate Compensation for Flight Delays: If your flight is delayed for more than six hours, you'll receive immediate compensation of ₹500-1000.

  4. Smartphone-Enabled Processes: Forget about cumbersome paperwork. Simply upload your documents when making a claim.

  5. Missed-Call Facility: Give Go Digit a missed call at +91-7303470000, and they will call you back within 10 minutes, saving you from international calling charges.

  6. Worldwide Support: Go Digit has partnered with Allianz, the world's largest health and travel insurance network, to provide seamless support worldwide.

Key Features of Go Digit's International Travel Insurance

Here are some key features of Go Digit's travel insurance:

  • Premium starting from ₹225.

  • Smartphone-enabled claims process with no paperwork.

  • 24x7 missed call facility available.

  • Coverage in 150+ countries and islands worldwide.

  • ₹500-1000 automatically transferred for flight delays of 6 hours or more.

  • Zero deductibles – no additional costs.

  • Covers include trip cancellation, medical expenses, flight delay, delay of checked-in baggage, loss of passport, and daily emergency cash, among others.

How to Buy Go Digit's Travel Insurance?

Purchasing Go Digit's travel insurance is a straightforward process that can be completed online in just a few steps:

  • Visit the Go Digit Travel Insurance Policy main page on their website or download their app from the Play Store or App Store.

  • Select your travel destination based on geography or country.

  • Choose the start and end dates of your trip.

  • Enter the age of the travelers and view or compare available plans.

  • Provide your details, including name, date of birth, mobile number, email, and information about any existing illnesses or health conditions.

  • Make the payment online using various methods such as card, net banking, UPI, wallet, or EMI.

  • Complete KYC verification to receive your policy instantly.

Travel Insurance Plans that Fit Your Needs

Go Digit offers two main travel insurance plans to cater to your specific needs:

  1. Basic Option: This plan covers the most common mishaps that can occur during an international trip.

  1. Comfort Option: In addition to covering common mishaps, this plan provides added protection for a smoother journey.

These plans cover a range of aspects, including medical cover, emergency accidental treatment and evacuation, trip cancellation, loss of passport, and more. You can choose the one that aligns with your travel requirements.

What’s Included In GoDigit Travel Insurance?

Go Digit Travel Insurance offers an array of benefits tailored to your specific needs:

- Personal Accident: Coverage for accidents during your trip.

- Adventure Sports: Protection for emergencies during adventure sports activities.

- Trip Cancellation: Coverage for non-refundable expenses in the event of trip cancellations due to emergencies.

- Flight Delay: Compensation for flight delays, starting at 75 minutes for domestic flights.

- Delay of Checked-in Luggage: Coverage for delayed checked-in luggage (up to 6 hours).

- Total Loss of Checked-in Luggage: Coverage for lost or misplaced checked-in luggage.

- Missed Connection: Compensation for missed connecting flights due to delays.

- Loss of Passport: Coverage for expenses to obtain a new passport in a foreign location.

- Stolen Money/Wallet: Emergency cash provision if your money and wallet are lost or stolen.

- Emergency Trip Extension: Coverage for trip extensions due to emergencies.

- Trip Abandonment: Reimbursement for nonrefundable travel expenses when you need to abandon your trip.

- Personal Liability Bond: Coverage for legal issues in a foreign country.

- Accidental Death/Disability: Compensation for expenses arising from death or disability during your vacation.

- Emergency Dental Treatment: Coverage for emergency dental treatments.

- Emergency Accidental Treatment & Evacuation: Compensation for expenses arising from accidental treatment and evacuation.

- Emergency Medical Treatment & Evacuation: Coverage for medical treatment and evacuation due to illness.

- Daily Cash Allowance (up to 5 days when hospitalized): Provision of daily cash allowance while you or a family member is hospitalized.

What’s Excluded in GoDigit Travel Insurance?

While Go Digit Travel Insurance offers extensive coverage, it's crucial to understand the exceptions and situations that may not be covered:

- Pre-existing illnesses or conditions known before the trip.

- Daily cash allowance during hospitalization applies only in a foreign country.

- Death or disability not covered after 365 days from the accident.

- Adventure sports coverage is limited to activities lasting one day.

- Flight delays aren't covered if you were informed at least 6 hours in advance.

- Delay of checked-in luggage due to customs is not covered.

- Missed connections with insufficient time between flights.

- Thefts are not covered if the police report is made after returning from the trip.

- Thefts are not covered if the police aren't notified within 24 hours.

- Trip extensions due to childbirth or related matters aren't covered.

- Trip abandonments due to pre-existing illnesses or health conditions aren't covered.

- Trip cancellations due to visa rejection aren't covered.

Know Your Insurance Policy

Understanding your insurance policy is crucial, and Go Digit aims to simplify complex terms. Some essential terms to be aware of include:

  1. Disclosure to Information Norm: Misrepresentation, misdescription, or non-disclosure of necessary facts can render your policy void/invalid, with the premium forfeited.

  1. Cashless Facility: Cashless facility allows for pre-authorized payments to be made directly to the network provider/hospital/ASP by your insurer.

  1. Medically Necessary Treatment: This refers to any treatment, tests, medications, or hospital stays necessary for the management, care, or treatment of any illness or injury sustained by the insured.

  1. Free Look Period: This is a specific set of days (15 days from the date of receipt of the first policy) during which you can review the terms and conditions of the policy and return it if you disagree with any conditions.

  1. Subrogation: Subrogation is the substitution of one person in the place of another with reference to a claim, demand, or right. Your insurer has the right to subrogate in your name.

  1. Proof of Loss: This is a formal statement made by the insured setting out details of an insured loss. It's important for initiating a claim.

  1. Policy Expiry: This is the date on which the policy ends, and coverage is no longer available.

  2. Policy Inception: The policy inception is the date on which the insurance contract comes into effect and covers you for the specified period.

How to Compare Travel Insurance Quotes Online?

Comparing travel insurance quotes online is a crucial step in finding the right coverage for your trip. Here are the top three things you should look for and compare while buying travel insurance online:

1. Medical Benefits & Sum Insured

Medical expenses can vary significantly from one country to another, making it essential to check the medical benefits and the sum insured, which represents the maximum coverage amount provided by your travel insurance plan. Ensure that the coverage is sufficient to handle potential medical emergencies in your travel destination.

2. Claim Processes

The ease and efficiency of the claim settlement process are vital factors to consider. Review the claim settlement processes and the claim settlement ratio of the insurance provider. A high claim settlement ratio indicates that the insurer is reliable and committed to assisting its policyholders when they need to make a claim.

3. Terms of Claims

Always pay attention to the terms attached to claims. Certain conditions, exclusions, and documentation requirements may apply when filing a claim. Understanding these terms will help you know what you can and cannot claim for, ensuring transparency in the event of an unforeseen situation.

What Does Insurance Premium Depend On and How Can You Lower It?

Your travel insurance premium is the cost you pay to be insured during your trip. The premium amount is calculated based on various factors, and it can be influenced to some extent. Here's what your premium depends on and how you can lower it:

1. Age: The age of the travelers affects the premium. Older travelers may have a higher premium due to an increased risk of health-related issues.

2. Duration: The length of your trip impacts the premium. Longer trips may have higher premiums.

3. Location: The destination plays a role in premium calculation. Traveling to countries with higher healthcare costs may result in a higher premium.

4. Number of Travelers: The number of people covered in the insurance policy can affect the premium. Individual plans are usually costlier than group plans.

5. Add-ons: Adding extra coverage options or add-ons to your policy will increase the premium. Be selective and choose only the covers that are essential for your trip.

To lower your premium:

  • Choose only the essential covers based on your needs, such as coverage for flight delays or missed connections, baggage/passport loss, and medical expenses.

  • Purchase your travel insurance plan well in advance. Early buyers may receive discounts or other benefits.

  • Avoid high-risk activities that can increase your premium costs. For example, some adventure sports may lead to higher premiums.

  • Consider traveling in a group, as group plans often offer reduced costs compared to individual plans.

  • Research and compare travel insurance plans across different providers to find the best value for your specific needs.

By understanding what influences your premium and making informed choices, you can effectively manage the cost of your travel insurance.

Is Travel Insurance Mandatory for International Travel?

Travel insurance is not mandatory for all international travel, but it is highly recommended. It not only provides coverage against unexpected situations abroad but can also strengthen your visa application in some cases. In certain countries, travel insurance is compulsory for visa approval. Here's a list of countries where travel insurance is mandatory:

- Cuba

- United States of America

- United Arab Emirates

- Schengen Countries (a group of 26 countries in Central Europe)

- Ecuador (including the Galapagos Islands)

- Antarctica

- Qatar

- Russia

- Turkey

- New Zealand

- Nepal

- Morocco

Before your international trip, it's essential to check the visa requirements for your destination country. Some countries may require specific travel insurance as a part of their visa application process.

List of Countries Where Indians Don’t Need a Visa/Get a Visa on Arrival

Here’s a list of countries where Indians can travel visa-free or obtain a visa on arrival:


- Thailand

- Bhutan

- Cambodia

- Maldives

- Macau

- Indonesia

- Iraq

- Nepal

- Laos

- Jordan

- Timor Leste


- Mauritius

- Seychelles

- Togo

- Ethiopia

- Madagascar

- Uganda

- Kenya

- Tanzania

- Mozambique

- Guinea-Bissau

- Cape Verde

- Comoro Islands

South America:

- Ecuador

- Dominica

- Bolivia

- Guyana

North America:

- British Virgin Islands

- Haiti

- Jamaica

- Grenada

- Montserrat

- St. Lucia

- St. Kitts & Nevis

- St. Vincent

& the Grenadines

- Trinidad & Tobago

- Nicaragua

- Turks & Caicos


- Cook Islands

- El Salvador

- Vanuatu

- Tuvalu

- Palau

- Nieu

- Samoa

- Fiji

- Micronesia

Traveling to these countries can be relatively hassle-free in terms of visa requirements for Indian citizens, making them attractive destinations for vacation.

Travel Insurance for Schengen Countries

If you're planning to visit any of the 26 Schengen Countries, you will need Schengen travel insurance to obtain your Schengen Tourist Visa. Schengen Travel Insurance offers more than just visa approval assistance. It also provides protection against a range of unforeseen situations, such as flight delays, baggage loss, loss of passport, missed flight connections, trip cancellations, medical emergencies, and financial emergencies. It's a valuable safety net for travelers exploring Europe.

Things to Carry When You’re Traveling Abroad

  • Passport (a must-have for international travel)

  • International Adapters (for charging your devices)

  • Basic medications (such as paracetamol, painkillers, and anti-allergy tablets)

  • Sunscreen (for summer travel) and moisturizer (for winter travel)

  • Comfortable shoes (you never know when you'll need to walk or hike)

  • Forex Card (for hassle-free financial transactions)

  • Travel Insurance (to protect yourself during your journey)

  • Camera (to capture memories)

  • Raincoat or umbrella (especially for destinations with unpredictable weather)

  • A book of your choice (for entertainment and relaxation during long flights or downtime on your trip)

  • Comfortable jacket or hoodie (for flights and varying weather conditions)

These items can make your international travel experience more enjoyable and stress-free.

Precautions to Remember Before Traveling Abroad

Before leaving for your international dream destination, it's essential to take some precautions to ensure a safe and smooth trip:

  • Avoid carrying your passport everywhere; keep it in your hotel locker and carry a copy for identification.

  • Don't carry excessive cash; when withdrawing money from ATMs, be vigilant about your surroundings and check your notes after withdrawal.

  • Be cautious about common travel scams, such as fake monks asking for donations or overcharging cab drivers. Familiarize yourself with potential scams in your travel destination.

  • Disperse your cash in multiple locations, such as your wallet and an inside pocket of your backpack.

  • Know the location of your accommodation and use metered cabs to avoid scams by unscrupulous taxi drivers.

How to File a Claim with Go Digit's Travel Insurance

Go Digit's travel insurance claims process is designed to be quick and hassle-free. It can be summarized in three simple steps:

Step 1: Give them a call at 1800-258-5956 (if in India) or drop a missed call at +91-7303470000, and they'll call you back within 10 minutes.

Step 2: Upload the required documents and your bank account details through the provided link.

Step 3: Go Digit takes care of the rest, ensuring your claim is processed efficiently.

While travel insurance can't predict the future, it can certainly provide peace of mind and financial security during your travels. Go Digit Travel Insurance offers comprehensive coverage, ensuring that your journeys are memorable for all the right reasons. Before embarking on your next adventure, consider safeguarding your trip with the robust coverage provided by Go Digit Travel Insurance. Your travel experiences will be enriched, knowing that you have a reliable partner to address the unexpected.

Frequently Asked Questions (FAQ)

  • What are the eligibility criteria to buy GoDigit international travel insurance?

    You must be over the age of 18 and under the age of 60 to purchase international travel insurance from GoDigit General Insurance Company.

  • Is it possible to buy travel insurance after booking my flight tickets?

    Yes, you can buy travel insurance after booking flight tickets, but make sure you purchase it before your departure date.

  • What is the Schengen Travel Insurance plan?

    Schengen travel insurance protects the policyholder from financial loss that may happen while travelling to the 26 Schengen countries.

  • What is corporate travel insurance?

    A corporate travel insurance plan is one that provides coverage to an employee who is travelling on a business trip. 

Insurance Dekho Contact Details

Reach us for help anytime

Find the right travel insurance for you

Claims Benefits

  • 35,000+ Claims Assisted
  • Priority Claim Approvals
  • Fast & Hassle Free Claims

Find the right travel insurance for you