I frequently travel abroad and find it a hassle to buy travel insurance every time I am about to travel. I want to know if there are policies that cover multiple trips abroad.
Sumit Srivastava, Mumbai
It is strange that as a frequent flyer, your insurance agent has not informed you about travel insurance for multi-trips. For frequent flying travellers, insurers have come up with policies that provide longstanding and cost-effective travel policies. For instance, a single policy covers travel to multiple countries. Typically, insurers offer policies which are segmented as travel to US-Canada and the one to the rest of the world. Depending on which countries you travel to you could opt for one of the two or a mix of both to get the best premium on the policy. Insurers do set a maximum number of travel days that you can have with such policies, which is normally about 45 days in a single trip. However, if you travel for stretches longer than this, do check with your insurer on the scope of the cover and if there is a way for you to modify the dates or include such a clause in your policy.