Travel Insurance in India: When we think about Travel Insurance, most of us get reminded of foreign trips. Most of us think that travel insurance is needed or is better to have only when you travel abroad. But, it is not even for domestic travelling; this is going to be useful. In the worst-case scenario, flight gets delayed, accidents on the road, sudden hospitalization in the new city can be covered through this insurance. Let’s now understand what is included in domestic travel insurance.

Things Included in Domestic Travel Insurance:
Trip cancellations, delays, missed connections, delayed or missing baggage, and unintentional hospitalization are covered by the majority of insurance policies. For trips that include a domestic flight, which often costs under ₹300, the coverage lasts for three to seven days. Journeys by train or road are significantly less expensive. The coverage would include lesser set amounts for baggage or cancellations and ₹2–5 lakh for medical situations.

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When can Domestic Travel Insurance be useful?
Domestic flight or travel insurance is a smart option if you are purchasing an expensive non-refundable ticket, making hotel reservations that can affect you financially if the flight gets cancelled. It is very helpful when visiting places with expensive or scarce healthcare, including remote vacation spots or mountain resorts.

Things to check while opting for domestic travel insurance:
It is advised to look after the policy properly while taking the domestic travel insurance. In some policies, pre-existing medical issues, high-risk activities like trekking without permits, and cancellations for personal reasons are often not covered by insurance. Read the complete policy thoroughly before depending on lower price premiums because they may also indicate strict claim requirements.

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