As a traveller, you must have heard of other kinds of insurance plans when you are planning a trip abroad. But is a domestic travel insurance plan really beneficial when you are in your own country?
We understand your doubts, but you cannot predict danger beforehand. Ask yourself: Do you know if your luggage will go missing or if you will fall sick? This is why you need a safety net like travel insurance plan. So, let’s discuss in detail what is domestic travel insurance and how it is helpful.

Domestic Travel Insurance
Domestic travel insurance can be defined as an insurance policy that is helpful in overcoming uncertain situations during their travel. However, when this travel insurance covers the costs for medical emergencies, accidents, damage, flight delays, lost baggage, etc., within the domestic boundaries, it is known as domestic travel insurance.
Why is Domestic Travel Insurance Required?
It is required for the following reasons:
- It will cover all kinds of travel-related medical emergencies for the policyholders.
- If the policyholder faces theft or robbery, the insurer will fully cover their personal liabilities.
- Travel insurance for domestic flights allows an individual to plan a comprehensive trip without worrying about any unpredictable losses.
Key Takeaways
- The right plan will improve your vacation experience instead of being a futile investment.
- If you get injured on your trip, your travel insurance will cover your medical expenses.
- Your domestic travel expenses will also cover the loss of your baggage or your passport.
- It will protect your families as well from any kind of unforeseeable expenses.
Who Should Buy Domestic Travel Insurance?
- Any Indian citizen travelling within the country can buy travel insurance plan.
- An international traveller possessing a passport of any other country other than India can also buy domestic travel insurance online if they submit the necessary proof of work permits or touring.
- The age of the person getting domestic travel insurance in India can vary from six months to 70 years. However, it is important to note that a minor between the age of six months to five years will be repaid along with their parents or guardian.
Also Know: How to Buy Travel Insurance?
Features of Domestic Travel Insurance in India

A lot of domestic trip insurance products provided by Indian insurers come with an information service provider that will keep you updated with the latest travel and health facts regarding your destination. Moreover, a specific itinerary for different cities with highlighted tourist gems will also be provided if you need it.
Did You Know?
According to research by ComparePolicy.com, India has seen a 62% growth in the travel insurance for domestic travel sector for 2020 compared to previous years. This highlights the fact that Indian citizens are increasingly becoming more aware of domestic travel insurance in India.
Domestic Travel Insurance Covers For Your Expenses During An Accident
The worst thing about accidents is that they can happen anytime. You cannot exactly predict how and where they will happen. And once it does, you might get seriously injured and would have to get hospitalized. This, in turn, ensures that your expenses skyrocket. This is an alarming cause. After all, you had a budget in mind for your trip, and now it is exceeding that.
But with domestic travel insurance in India, your hospital bills and any other medical expenses will be covered. This is perhaps single-handedly the most important feature of a travel insurance for domestic flights plan. It makes sure that wherever you are in the country, you get your emergency medical treatment.
Domestic Travel Insurance Protects Your Family Members As Well
Even if you won’t, your family members might fall sick during the trip. Especially if it’s in a place with a completely different weather condition. So, you might as well prepare for its possibility.
Buy domestic travel insurance online and free yourself from the anxiety about medical expenses for your family.
Word to Remember
Insurance Claim
An Insurance claim is a request you put forward to your insurance company so that your purchased insurance plan can cover for your expenses.
Domestic Travel Insurance Pays For You If Your Trip Gets Cancelled or Delay
Travel insurance for domestic flights will cover for you if your flight gets cancelled or delayed. You wouldn’t have to worry about how much money you lost.
Domestic Travel Insurance Covers For Your If Your Luggage Or Passport Goes Missing
Travel insurance have you covered in case you lose your suitcases. Not only that, but it will also cover for your missing passport.
Domestic Travel Insurance Covers for Any Damage That Happens Because Of You
We do make mistakes and sometimes, it can cost us very heavily. You might be driving on the road and hit a local, or you might be negligent towards the hotel furniture you are using and as a result, end up damaging it. If you buy domestic travel insurance online beforehand, you have no cause for anxiety in these cases. That’s because your travel insurance for domestic flights will cover for any kind of loss or damage.
4 Things to Consider Before Taking Domestic Travel Insurance Online
1. List Of Medical Benefits and the Total Sum Covered
Your travel insurance plan covers your medical costs, but you need to be sure what kind of medical costs it covers. Some schemes do not cover expenses due to an existing medical condition. Nor do they cover injuries sustained in adventure sports. So make sure you are aware of the medical benefits before you buy your domestic travel insurance online.
Also Know: What is Travel Medical Insurance?
2. The Process Of Claiming Your Travel Insurance
There is no point in buying domestic travel insurance online if you are not able to claim it when circumstances demand you to do it. So be well aware of the process of claiming it. Know about any kind of time excess or deductibles before you buy travel insurance in India.
3. The Terms & Conditions of Your Travel Insurance
This ties into the point we made above about your claiming process. Your domestic insurance plan has a list of terms & conditions about where your claim applies. Makes sure you read them before you buy your package.
4. Whether You Can Use Your Domestic Travel Insurance Online Or Do You Have To Rely On Paper
Paperwork can be cumbersome. To avoid the frustration of dealing with so many papers and the agony that comes if you lose even one page, see if you can use your domestic travel insurance online.
Common Myths About Domestic Travel Insurance

You Do Not Require Travel Insurance Because Nothing Will Happen To You Inside Your Own Country
Unfortunately, any troubling instance can happen anytime. It doesn’t matter if you are abroad or inside your own country, there will always be a certain risk. So make sure you are protected against these unforeseen damages with travel insurance.
You Do Not Have to Buy Travel Insurance Because You Already Have A Life Insurance Plan
Many insurance companies do not cover travel-related expenses under life insurance. So, you will not be able to use that if you fall ill or you misplace your luggage while on your trip. Travel insurance for domestic flights plan is specifically tailored for your vacation-related expenses.
Your Travel Insurance Will Cover For Natural Calamities And Terrorist Attacks
While some insurance companies do provide travel insurance for natural disasters and terrorist attacks, others don’t. So, make sure you read the terms & conditions first before you buy your insurance.
Conclusion
Now that you know what is domestic travel insurance, you can make your life so much more convenient than you can probably imagine. It will save you from any medical expenses you incur during your trip. It will also cover for you in case you damage or hurt something/someone. On top of this, your family will also be covered under this.
So, whether you need travel insurance for domestic flights or for something else, make sure you do buy travel insurance.
FAQs
People often question the need to avail travel insurance. However, it is important to realize that travel insurance is a necessity as it provides coverage for delayed or missed flights, lost baggage, medical emergency, and much more.
One of the best things about travel insurance is that it goes into effect the very next day after you purchase it.
There are five major varieties of travel insurance plans available in the market, depending on the journey and the mode of transportation. For instance, according to the standard guidelines of domestic insurance,
-Plan A covers travelling within 100 km from the point of origin through a taxi or bus.
-Plan B covers travelling beyond 100 km through a taxi or bus.
-Plan C and D cover train and air travel with no particular restriction on the distance.
-Plan E covers all the modes of transportation, and it also covers the round trip.
Unfortunately, no domestic insurance company fully covers pre-existing illnesses. However, there are certain plans that only cover life-threatening emergency situations.
While travelling, there might be a possibility of you coming across a medical emergency. This is where having a domestic insurance plan can help you cover the costs of your medical emergency.
List of things required to claim domestic insurance-
-Policy document
-Identification
-Trip tickets
-Airport correspondence
-Cancellation
-FIR
-Loss of passport
-Hospital bill
Always keep in mind these few things while getting travel insurance for domestic flights-
-How does your medical report look like
-Whether you are a frequent flyer or not
-How long is your trip
-How does your itinerary look like
-Where are you heading to
Also Read: Here’s Why You Need International Travel Insurance