Exploring different cities within your country can be a thrilling experience. However, if anything goes wrong, your trip can be ruined. Therefore, it is advisable to get travel insurance, even when you are travelling within India.
To choose the right policy for your trip, you must compare travel insurance policies online. A domestic travel insurance plan can ensure your trip is enjoyable without stress.
Continue reading to learn in detail about the significance of domestic travel insurance in India.
Understanding Domestic Travel Insurance Coverage
A domestic travel insurance plan offers coverage for several unforeseen expenses that might occur while you are travelling in India. Let’s look at some key features of domestic travel insurance.
Coverage for Accidents
Accidents while travelling can lead to hospitalisation or death. A domestic travel insurance policy can help you deal with the associated expenses. It provides coverage for medical treatment, medical evacuation, and even repatriation of the policyholder’s remains in case of unexpected death.
Assistance While Travelling
While travelling within your country, there might be times when you need some assistance. You might require emergency travel services or help identifying where to receive medical treatment. With the right domestic insurance policy, you get excellent assistance in various travel-related aspects, like the ones mentioned above.
Coverage for Emergency Family Travel
If you are hospitalised for an extended period while travelling domestically, domestic travel insurance will cover the cost of a roundtrip for a family member to visit you in the hospital.
Coverage for Personal Liability
In an accident where another individual’s property is damaged or another person is injured, you would not have to pay for the compensation out of your pocket. The expenses associated with the repairs and medical expenses will be covered under domestic travel insurance.
Benefits of Getting Travel Insurance For Domestic Travel
Delayed or Cancelled Flights
A flight delay or cancellation can occur for several reasons, such as technical issues or bad weather. This can result in a lot of inconvenience, especially if you miss a connecting flight. Domestic trip insurance will reimburse you for expenses arising from delayed or cancelled flights.
Loss of Luggage
Losing luggage while in transit is not uncommon. Domestic trip insurance can provide coverage for lost baggage and ensure that your insurance provider compensates you for the cost of your personal belongings.
Medical and Accidental Coverage
Domestic trip insurance provides coverage for all the expenses that arise due to accidents or medical crises that occur while travelling domestically. This means you will not have to pay out of your pocket for such unexpected incidents.
Why do You Need Domestic Trip Insurance
You might think getting travel insurance while travelling within the country is unimportant. However, to minimise the risk of financial burden, you must consider purchasing a domestic travel insurance plan. With this policy, you would not have to handle difficult situations alone.
Baggage loss or damage, flight delays or cancellations, medical crises and accidents are all covered under a domestic travel insurance policy. Having domestic travel insurance in place will allow you to have peace of mind, knowing that you do not have to spend a lot of money on hospitalisation costs or medical care to handle unforeseen complications while travelling.
How to Buy Domestic Travel Insurance Online
Follow the steps mentioned below to purchase domestic travel insurance online.
- Choose a credible and trusted insurance provider.
- Visit the website of the chosen travel insurance provider. Browse through the website to learn about the travel policies and offers they provide.
- Type in your date of travel and destinations. Several insurance companies provide plans for multiple cities as well.
- Enter all the travellers and their ages. If you plan on travelling with others, you can add them to the same travel policy.
- Based on your requirements, choose the right domestic travel policy.
- The last step involves playing the premium amount. Once you have paid, the insurance company will issue your domestic trip insurance policy.
To Wrap It Up
A domestic travel insurance plan provides coverage for various unforeseen circumstances, such as medical emergencies, medical evacuations, travel assistance, missed or delayed flights, and more. However, domestic travel insurance coverage can have certain exclusions.
These exclusions typically include pre-existing health conditions, dental treatment, adventure sports, etc. Therefore, you must be aware of the exclusions of your chosen policy. This will ensure that you get the domestic travel insurance coverage you expect.