Travel Insurance
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*Price shown is for a 30 day trip to Thailand with 1 lakh dollar coverage for an adult of age 25 years

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Domestic Travel Insurance

Domestic travel insurance is important if you want to avoid unforeseen expenses within India. Emergencies don't come with prior notice and your journey can entail potential risks. Domestic travel insurance will protect you from medical & non-medical expenses with quick claim reimbursements and cashless options.

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Plans for an individual of 30 years age travelling to USA for 15 days

What is Domestic Travel Insurance?

Domestic Travel Insurance is an insurance policy that provides cover against any unforeseen incidents such as loss of baggage, loss of passport, trip cancellation, medical emergency, and personal liability, etc. during domestic travel.

Travel insurers provide different plans with a different set of coverage to fit the policyholder’s needs. Domestic Travel Insurance has features such as medical treatment cover, loss of travel ticket as well as emergency evacuation cost cover.

What’s Great About Domestic Travel Insurance?

Categories Specification
Eligibility Indians aged between 18 and 65 years or as per the Insurer
Areas Covered Throughout India unless specified
Policy Duration Usually up to 1 year or as per the Insurer
Major Benefits Loss of Travel TicketsLoss of BaggageMedical Expenses CoverFlight Delay & Additional Costs IncurredMedical Evacuation & RepatriationPersonal Accident, Roadside Assistance
Special Add-On No Age Limit CoverHome Burglary CoverCoverage for Adventure SportsAccommodation Expenses caused by Train Delay
Claim Procedure Can be done Online or In-person (offline)
COVID-19 Covered By some insurers
Claim Settlement Period Usually 30 days but varies with insurers
Time Required to Buy Can be purchased instantly if buying policy online

Why Buy Domestic Travel Insurance?

Domestic Travel Insurance

Most people buy travel insurance when traveling abroad, but tend to ignore it when traveling within India. It's necessary to invest in a comprehensive domestic travel insurance plan to eliminate all financial risks and unwarranted medical expenses. A domestic travel insurance policy will help you ensure a pleasant and relaxing journey and stay safe against all adversaries when traveling in your home country. 

Domestic travel insurance covers medical emergencies, accidents, flight delays, cancellation, damage or loss of baggage, etc. Domestic Medical Travel Insurance comes packed with the assurance that you won't have to spend a fortune for medical treatment and hospitalization expenses in order to manage and cope with unforeseen hassles. 

Features of Domestic Travel Insurance in India

  • It covers the individual policyholder
  • It is available only for the people above 18 years of age and below 65 years of age
  • Domestic travel insurance is a cheap and hassle-free way to be prepared for eventualities when travelling in your own country
  • 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
  • Domestic travel insurance Provides 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

What are the Best Domestic Travel Insurance Companies in India?

Domestic travel insurance comes in handy to cover tour trips within the country. This policy provides comprehensive financial protection against travel-related risks leading to a financial emergency. When it comes to offering domestic travel insurance policies, Indian insurers have introduced a range of plans at competitive premium rates.

Company Name Plan Name Key Features
Aditya Birla Travel Insurance Domestic Travel
  • Loss of baggage cover
  • Personal accident cover
  • Delayed flights cover
  • Medical Expense cover
Bajaj Allianz Travel Insurance Bharat Bhraman
  • Cashless claim settlement
  • No age limit
  • Coverage for adventure sports (Optional)
Bharti AXA Travel Insurance Domestic Travel Insurance
  • Domestic roadside assistance
  • Domestic medical assistance
  • Hospitalization cover in case of Covid-19
Cholamandalam Travel Insurance Domestic Travel Insurance
  • Claim settlement within 30 days
  • In case of delay in claim amount payment, insurer will be liable to pay 2% of interest above the bank rate
Digit Travel Insurance Domestic Travel Insurance
  • Delay in flight cover
  • Delay in checked-in baggage Cover
  • Trip cancellation cover
Future Generali Travel Insurance Shubh Yatra
  • Toll-free number to get road side assistance service
  • Claim process starts within 30 days
Tata AIG Travel Insurance Tata AIG Domestic Travel
  • Covers for accidents
  • Travel assistance
  • Personal liability
  • Emergency family travel
Universal Sompo Travel Insurance Domestic travel insurance
  • Assistance provided during covered emergencies
  • Burglary is covered
See More Plans

Disclaimer: *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

Domestic Travel Insurance Policy Inclusions

Majorly all travel insurers provide a medical or accident cover, cancellation or delay cover, and lost or damaged baggage cover. These domestic 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 commonly provided covers under domestic travel insurance policy:

  • Medical or Accident cover

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

  • Flight cancellation or delay

    From unpredictable weather conditions to technical glitches, there can be numerous reasons for a flight delay. Along with being troublesome, it can also cause additional burden on your shoulders due to a missed connecting flight. In such circumstances, the insurer covers you against the expenses incurred due to the delay or cancellation.

  • Lost baggage

    Although most of the airlines have policies to provide compensation for the lost baggage, still the loss of baggage in transit is a fear of every traveler. In such circumstances, lost baggage cover under this 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.

  • Personal liability

    This is a newly introduced cover that is not offered by many but some travel 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.

Domestic Travel Insurance Policy Exclusions

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 travel insurance policy. Situations arising out of an act of terrorism or war are also excluded. 

Any harm to the insured due to drugs abuse, the influence of alcohol, and voluntary participation in hazardous activities and criminal acts is also not covered under this domestic travel insurance plan.

  • Non-medical expenses are not covered by domestic travel insurance.
  • If the insured is traveling against his/her doctor’s advice
  • If traveling for medical treatment or detected with a terminal ailment
  • The accident caused due to the consumption of alcohol or drugs
  • Self-initiated harm, suicide, Sexually Transmitted Diseases, mental disorder like stress, anxiety, depression etc.
  • If the insured is a member of Armed Forces and has not mentioned it earlier
  • If the insured is a part of any criminal activities, civil commotion, riot etc.
  • Any damage happened due to the participation in adventure activities or water sport, mountaineering, bungee jumping, scuba diving, race, hang gliding etc.
  • No insurance is offered for the damage due to caving, hunting, horse-riding, surfing, rafting, canoeing, underwater sports etc.

Things to Remember While Traveling in India

Travelling within the country does not make you immune to unforeseen incidents that may cause loss or damage. This is why it is recommended to purchase a domestic travel insurance plan so that you stay covered for several things like loss of baggage, flight delay, trip cancellation, etc. Also, plan ahead of your journey and purchase domestic travel insurance from the right insurer that fulfills all your requirements. Since flight delays can keep you from reaching your destination on time that can cause you some kind of loss hence there are insurers out there providing you cover for situations like this.

Important Points to Note Before Buying Domestic Travel Insurance

There are several important points to note before buying domestic travel insurance plan. They are as follows:

  • Explore different domestic travel insurance plans before settling for one
  • Book your domestic travel insurance before you book you flight tickets.
  • Make sure that the domestic travel insurance plan provide cover for the things you require
  • Make sure to inform about the pre-existing medical conditions
  • Check the insurers that provide multi-trip domestic travel insurance policies
  • Check the feedback of the customer online

Myths about Domestic Travel Insurance Policy

People often do not realize the necessity of domestic travel insurance and consider it as a block on their liquidity. There are many misconceptions that prevent people from investing in domestic travel insurance plans in India. 

Mentioned below are a few myth busters to make you understand the need and importance of domestic travel insurance.

  • Flying Time

    People usually have a misconception about not having a need of domestic travel insurance policy 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 domestic travel insurance is the only way to face and tackle these circumstances. An appropriate domestic travel insurance plan can be your financial support in such circumstances and save you from stress.

  • Expensive Plans

    As misinterpret by most people, domestic travel insurance is not expensive. If you understand the need and benefits, 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.

  • Complicated Process

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

  • Claim Settlement

    Mostly, as a result of mis-selling domestic travel insurance plans, 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 domestic travel insurance policy documents carefully before investing

When Do You Need Domestic Travel Insurance Policy?

When you are planning to go on a trip within the country then you need to be insured with domestic travel insurance. The trip can be related to business, solo or family holiday, you can consider purchasing a domestic travel insurance plan. You never know what kind of unforeseen incident might take place during your trip so it is better to be insured than sorry.

Eligibility for Buying Domestic Travel Insurance Policy

Any Indian travelling within the country is eligible to buy travel insurance. Any national from another country, traveling in India or working with a permit in India can also buy domestic travel insurance plan.

The eligibility age for domestic travel insurance is usually between 18 to 65 years and varies from plan to plan. The coverage provided by the travel 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 the best domestic travel insurance in India is certainly a necessity; because all the while you travel you are surrounded by risk and uncertainties.

How to Claim Your Domestic Travel Insurance

You can claim your domestic travel insurance plan by following a few simple steps. Some insurance companies offer instant settlement over the phone while others may require you to fill out a claim form, produce relevant documents, witness and so on. The claim process for domestic travel insurance depends on the type of claim and how you present it. 

We advise, keep it straight to cover the payment. The best part is that with the Internet booming so fast, you can make a claim online as well as offline, i.e. by visiting your insurer's office.

Let's take the example of flight cancellation or delay. A flight delay is the most annoying situation that you may face during your travel and may lead to an extra financial burden on you as you miss the connecting flights and hotel accommodations, or sometimes, important business meets. Buying another ticket is not everyone's cup of tea all of a sudden. 

Here, domestic travel insurance comes to your rescue. The travel insurer recompenses the entire interruptions, provided you have to produce valid proof of your claim or a certificate from the airline that you were supposed to travel, validating your claim.

How Does PolicyBazaar Help You?

Buying domestic travel insurance from PolicyBazaar is beneficial:

  • Compare domestic travel insurance quotes to make an ideal choice
  • You can choose a domestic travel insurance plan in accordance with your key requirement
  • Domestic travel insurance policy benefits and coverage can be fully transparent
  • Quick comparison of various features of various domestic travel insurance plans concurrently
  • Effortlessly buy the most efficient domestic travel insurance policy as per your needs
  • Easy and quick online insurance shopping
  • Assurance of safety and end-to-end assistance

Domestic travel insurance not only provides safety assurance in terms of finance but also provides peace of mind. PolicyBazaar provides you with a global platform to make an efficient choice and that too within your budget.


Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 118 Reviews)

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Domestic Travel Insurance Reviews & Ratings
4.9 / 5 (Based on 118 Reviews)
(Showing Newest 10 reviews)
Surat, August 04, 2022
Train delay
We had family travel insurance for our trip and our train got delayed by more than 9 hours. Thanks to domestic travel insurance we were able to claim reimbursement for the delay and lodging.
Jhansi, August 03, 2022
Goa trip
I went to Goa on my birthday and got a domestic travel plan at a very affordable price from and it covered all sorts of necessary emergencies. Nothing went wrong but just knowing I had a backup was really good!
Kanpur, August 02, 2022
Good one
My experience with Policybazaar was really good. I needed to buy a travel insurance as I was going on a long interstate trip across India and wanted to remain safe at all times. Thankfully, I found a great plan at very genuine price.
Thane, August 01, 2022
Got reimbursed for my lost bag
I was travelling to Mumbai when one of my bag was stolen. Upon reaching there I contacted my insurance company about this, after which they told me what to do. From filing an FIR to filling the claim forms, I was able to get compensated for my lost belongings to some extent.
Mumbai, July 31, 2022
Got refunded for cancelled train
I had a family trip to Shirdi and my train was cancelled after a wait of 5 hours. Thankfully, my insurance reimbursed us for the cancelled trip as well as the non-refundable bookings we made earlier.
Surat, July 28, 2022
large variety of features
I purchased domestic travel insurance from Policybazaar, which covers medical and accident expenditures, aircraft cancellation or delay, personal liability, and luggage loss. My travel package was the lowest and had a large variety of features.
Lucknow, July 27, 2022
Helpful strategy
My pals and I were arranging a trip. Policybazaar provided me with domestic travel insurance. The staff is really helpful and educated. The staff recommended a great strategy that fit my budget. I would really love to return here.
Jaipur, July 26, 2022
Paid medical bills and hospital bills
Nobody knows what is going to happen. We were in an accident while on our way to Banglore. Fortunately, the injuries were not severe, and we did not suffer too badly. We had purchased insurance from PolicyBazaar, which covered all of our medical fees and hospital bills, as well as the damages. We were the victims, thus we were also rescued there.
Pune, July 25, 2022
Helped me complete the process
This is first time I have recived proper assistance from an insurance company. I had a problem with claiming my claim settlement. PolicyBazaar's assistance is is truly great. They were on call with me until I had completed the process. I am truly greatful to them.
Ajmer, July 24, 2022
Policy aided my mother
Policybazaar offers the best domestic travel plans. My mother was travelling to Bangalore to see her sister, so I purchased domestic travel insurance for her. She had a difficulty with her trip since she misplaced her bags at the airport. Her policy aided her by helping her recover her baggage.

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*Price shown is for a 30 day trip to Thailand with 1 lakh dollar coverage for an adult of age 25 years

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