Do You Need Travel Insurance for a Domestic Holiday?

When Miraj landed in Bangalore to meet her college friend after years, she realized that her luggage was missing. After some stress-filled enquiries, she learned that her luggage was in fact misplaced and all her necessary belongings were lost. Thankfully, her trip was insured and she could get reimbursed for her loss. If youre not too sure about buying travel insurance for your domestic trip, this article is for you!

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    Do I Really Need Insurance for Domestic Travels in India?

    While Miraj was only travelling to another city, it was still a big deal to lose all her belongings in a mere 4-hour flight. Thankfully, she was used to travelling frequently abroad as well as in India and knew how unpredictable things could get. But there are still so many people who dont take their local journeys as seriously. While theyre quick to buy overseas travel insurance, very few of them even consider getting one for their domestic travels.

    Coming back to the question above, do you actually need domestic trip insurance? You can easily give an answer to this yourself; if youre free from the damage of any emergency, then perhaps you dont. However, most of us cant easily cope with our baggage loss or getting into an accident in a city we dont know. While India is well connected and has helpful people everywhere, what about the extra money youd need to shell out? In such cases, only your insurer can help you.

    How is Domestic Travel Insurance Useful?

    Depending on the kind of policy you opt for as well as who your insurer is, your domestic travel insurance is more useful than you may know! Take a look at some of its benefits:

    Offers Coverage for Flight Delays/Cancellation

    One of the most common contingencies, a flight can get delayed for many reasons. However, if your flight is delayed to such an extent that it causes you additional expenses or discomfort then several insurers offer reimbursement for your inconvenience. Usually, any extra accommodation costs are also covered that may otherwise disturb your budget. In case of cancellations too, you will be compensated for your inconvenience or extra expenses. It's important to note that several travel insurance companies in India also provide compensation for train delays and cancellations. Thus,

    Covers Medical Emergencies

    Among the most important benefits of domestic trip insurance, if you or your family requires hospitalisation or urgent medical care while travelling then your insurer will cover the necessary medical costs. Travel health insurance is especially useful for people who may face higher risks while travelling. This can consist of elders or those prone to higher risks of falling sick during their journey.

    Provides Coverage for Lost Baggage

    Who hasn't heard of misplaced or stolen luggage while travelling in India? Be it on buses, trains or flights, losing your baggage is extremely uncomfortable. Your insurer will compensate you for the loss that you had to face because of lost luggage. Some insurers also help you find the lost baggage or offer reimbursement for basic toiletries and necessities.

    Covers Personal Liability

    A recent feature, many travel insurance providers in India have also started offering coverage against accidental damage. In case you damage other people's property while travelling then your insurer will help cover the legal expenses. This is especially useful for people with kids that may unknowingly cause damage to another's property.

    Who Can Buy a Domestic Travel Insurance Policy for a Holiday in India?

    Any Indian citizen can buy the best suited domestic travel insurance plan for themselves. These plans are available for both single trips as well as annual plans that cover multiple trips. Most insurers provide domestic coverage to people aged between 0.6 years and 60 years, however, this will vary with the provider.

    What's more, the benefits of your insurance policy can also be extended to your spouse and dependents. Another important feature to note is the customisable nature of these policies, with several travel insurance companies in India offering optional covers at additional premiums. Some of the most popular ones include cover for loss of railway ticket, cover for train delay, emergency cash advance and more.

    In a Nutshell,

    Now that the benefits of insuring your domestic trip are clear, dont forget to compare various plans on Policybazaar.com to find the best trip insurance for you and your loved ones. The scope of coverage of your trip insurance is usually throughout the country, which makes it very convenient for people to travel stress-free. Be it a family vacation or a business trip, you will be well cared for in case you need financial help during your time away from home.

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