Domestic Travel Insurance

Safeguard yourself from the unforeseen troubles with the best domestic travel insurance. Compare and select from a wide range of domestic travel insurance plans at PolicyBazaar.

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Travelling has become essential nowadays; be it for work or as an escapade from the fast and mundane life. However, travelling is always fun. But, with all this fun, comes an element of uncertainty and risk. What if you face a medical emergency in a completely new city, if you miss your flight or it gets delayed or your baggage is lost? Domestic Travel Insurance gives you the ability to manage and cope with such unforeseen hassles. With domestic travel insurance, comes a peace of mind, a feeling of security, and preparedness against eventualities.

Features of Domestic Travel Insurance Plans

  • It covers the individual policyholder
  • It is available only for the people above 18 years of age and below 65 years of age
  • It is a cheap and hassle-free way to be prepared against eventualities when travelling domestically
  • It provides coverage against the loss of travel tickets and passport
  • The coverage is offered for a period of one year and up to the limit of sum insured
  • Covers the expenses due to the delay in flight and the missed connecting flight
  • Provides a coverage for all the expenses incurred on repatriation and emergency evacuation costs will be covered.
  • Bears the loss or damage to someone’s property, that you are liable for
  • Covers the emergency medical costs and expenses for anesthetic dental treatment
  • Provides complete coverage against total loss of accompanied baggage

Eligibility for Buying Domestic Travel Insurance

Any Indian national travelling within India is eligible to buy Domestic travel insurance. Any national from another country, traveling in India or working with a permit in India can also buy a domestic travel insurance plan. Some of major providers of domestic travel insurance policies in India are ICICI LombardBajaj Allianz domestic travel insurance, Tata AIG domestic travel insurance, and many more.

The eligibility age is usually between 18 to 65 years and varies from plan to plan. The coverage provided by the insurer depends upon numerous factors such as you’re the destination you are travelling to, medical conditions, the duration of your trip and many more.

Buying Domestic travel insurance is certainly a necessity; because all the while you travel you are surrounded by risk and uncertainties.

Coverage under Domestic Travel Insurance

Majorly all the insurers provide a medical or accident cover, cancellation or delay cover, and lost or damaged baggage cover. These travel insurance covers are useful especially when your flight is unduly delayed due to any reasons or when you are travelling with valuable or expensive assets in your baggage.
There are also various covers, such as covers for that particular trip, family covers, or frequent business covers available in the market Let us look at some common provided covers under domestic travel insurance:

1. Medical or Accident cover

This cover helps to deal with the expenses incurred due to medical emergencies or accident during the trip. This cover is extremely beneficial; especially if you do not have a medical cover or have one, but with a limited cover.

2. Flight cancellation or delay

From unpredictable weather conditions to technical glitches, there can be numerous reasons for a flight to get delayed. Along with being troublesome, it can also get heavy on your pocket due to your missed connecting flight, or accommodation rents gone waste. In such circumstances the insurer covers you against the expenses incurred due to the delay or cancellation.

3. Lost baggage

Although most of the airlines have policies to provide compensation for the lost baggage, still loss of baggage in transit is a fear of every traveler. In such circumstances lost baggage cover, under domestic travel insurance, gives you peace of mind and a feeling of security. It goes some way in ensuring that at least the cost of your belongings is recovered; if not value.

4. Personal liability

This is a newly introduced cover that is not offered by many but some insurers. It provides coverage against accidental damage to a third party’s property and is your liability. This type of cover is especially beneficial if you are travelling with kids.


Read in Detail About Coverage under Domestic Travel Insurance


Exclusions in domestic travel insurance

Besides understanding what all is covered under domestic travel insurance, it is also important to know the exclusions.
Domestic travel insurance does not provide coverage for any pre-existing medical criticalities and related complications. Any form of self inflicted illness or injury, suicide attempt, non-adherence to medical advice of the doctor, and HIV/AIDS are also not covered under the policy. Situations arising out of an act of terrorism or war are also excluded. Any harm to the insured due to drugs abuse, influence of alcohol, and voluntarily participation in hazardous activities and criminal acts is also not covered under a domestic travel insurance plan.

Myths about Domestic Travel Insurance

People often do not realize the necessity of domestic travel insurance and consider it as block on their liquidity. There are many misconceptions that prevent people from investing in domestic travel insurance. Mentioned below are a few myth busters to make you understand the need and importance of travel insurance; no matter travelling domestic or international.

1. Flying Time

People usually have a misconception about not having a need of travel insurance if their flight duration is small. Miss happenings or emergencies do not depend upon the duration of your flight; it is just a matter of a few seconds.

  • Delay in your flight, leading to a miss of your connecting flight.
  • Cancellation of your flight, leaving you troubled.
  • Theft or misplacement of your baggage.
  • Medical emergency while on the flight.

All of these eventualities have no relation with your flight duration. Buying travel insurance is the only way to face and tackle these circumstances. An appropriate travel insurance plan can be your financial support in such circumstances and save you from stress.

2. Expensive Plans

As misinterpret by most people, domestic travel insurance is not expensive. If you understand the need and benefits of domestic travel insurance, it wouldn’t seem expensive to you any further. The best part being, nowadays you have numerous insurers and an array of customizable plans available in the market. You can definitely choose a plan as per your requirements and affordability.

3. Complicated Process

Gone are the days when the process of buying and renewing insurance policies was cumbersome. Most of the insurance companies facilitate online purchase of policies and excellent post-sales assistance as well. Apart from buying and renewing your plan online, you can also file a claim online.

4. Claim Settlement

Mostly as a result of mis-selling, people face challenges in claiming the right amount when in need. To prevent the same you should:

  • Never rely blindly on the agent.
  • Buy your policy online so that you can be sure about the accuracy of the information that you provide.
  • Compare wisely and then buy.
  • Read the policy documents carefully before investing.
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