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Travel insurance is mandatory for foreign travel. However, we don’t take travel insurance when we travel in our own country. There are various reasons for it. A lot of people don’t even know that there is domestic travel insurance. Also, many people feel that travel insurance only covers the loss due to an accident. However this is not the case, besides medical emergency, domestic travel insurance also covers luggage loss, passport loss, trip cancellation etc.

When you make domestic travel plans, the amount of money you pay for cover is not very high. However, it is effective in compensating your losses if unfortunately a medical emergency occurs or your belongings are lost.

Domestic travel insurance includes coverage for medical emergencies, accidents, travel-related issues, flight delays, damages, cancellations, baggage loss, and more.

Now let’s understand why it is necessary to get domestic travel insurance. Taking domestic travel insurance is beneficial for several reasons. If you have this insurance, you get many benefits. Let’s have a look at them.

Health emergency

In case of a health emergency related to travel to a new place, insurance helps cover the cost of medical treatment.

Theft

If there is an incident of theft or robbery, the insurance company provides complete coverage.

Financial loss

You can plan your trip without worrying about unpleasant situations and financial losses.

Trip cancellation

In case of situations like flight cancellations or ticket cancellations, the insurance company refunds you.

Document loss

The cost of making duplicate copies of documents such as passports or credit cards that are lost is covered by the insurance.

Many plans offer assistance services if your car or taxi breaks down during the trip. You can get help with ambulance services, medical evacuation, and more.

Insurance plans

Let’s look at some of the major domestic travel insurance plans, there are options available such as Suhana Safar Policy from New India Assurance Company, Shubh Yatra Policy from Future Generali, Bharat Bhraman Policy from Bajaj Allianz, Tata AIG Domestic Travel Insurance Policy, and so on. These plans include micro plans and also cover durations such as monthly, six months, yearly, and longer.

These policies cover different things. Some include cover for emergencies like family travel during travel. That means if you are alone and have to be hospitalised for a long time, the travel insurance company will pay for the travel expenses of your family members coming to see you.

Missing flights

If you miss your flight or train, the insurance company will reimburse the cost of your ticket.

Similarly, some policies include personal liability. For example, if you have an accident that causes harm to someone’s life or property, the insurance company will compensate for it.