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Travelling on holidays is supposed to be fun. You are ready to explore a new place, try new food and spend some quality time with family and friends. You would have planned what you want to see and activities you want to do in advance, right? But you might not have prepared for emergencies like cancellation of flights or baggage being lost in transit!
The good news is you can plan for such emergencies as well, by purchasing Domestic Travel Insurance.
Where Can I Buy Domestic Travel Insurance?
There are a lot of online travel and insurance broking companies that can help you with this. They have tie-ups with general insurance companies who have these products. Alternatively, you could also approach a general insurance company and buy domestic travel insurance from them, either online or offline.
What Does Travel Insurance Cover?
Before you buy domestic travel insurance, you need to know what it covers.
Cancellation and Delays: If your flight is cancelled or delayed, you are protected by Domestic Travel Insurance. You might have to suddenly cancel a holiday or have to rush back while you are on holiday due to a medical emergency. This would involve purchasing a return ticket which would be very costly. If you buy domestic travel insurance, they will cover the cancellation charges and cost of the return ticket.
Medical Costs: When you get Domestic Travel Insurance, you protect yourself against any medical costs payable by you when you are on a trip. Travel insurance covers emergency medical expenses, medical evaluation and more. If you have been hospitalized for more than seven days, then return ticket airfare is reimbursed for a family member who visits you. You also have access to a 24 x 7 toll-free helpline to contact the insurer for making arrangements during a medical emergency while travelling. If you have any pre-existing medical illnesses, even then you can buy domestic travel insurance, but there are certain conditions to be fulfilled.
Loss of Possessions: Losing your baggage is something that happens to a lot of passengers. You will have to immediately purchase all the essentials and clothing. Domestic Travel Insurance will ensure that you are reimbursed for your lost baggage. Some insurers cover you if you are pickpocketed.
Personal Accident Liability: You might accidentally cause damage to third-party property or person. Your Domestic Travel Insurance will cover the liability arising out of the accident, including any legal costs that you will have to incur.
While there are a lot of things which a Domestic Travel Insurance policy covers, here are some things which are not covered:
What Are My Options?
When buying Domestic Travel Insurance, you could either go for a single trip policy or a multi-trip policy. If you travel frequently, it would be more convenient and economical for you to go for the multi-trip cover instead of buying a single trip policy every time you travel. The policy will cover your family members as well.
You can also extend your Domestic Travel Insurance if your holiday is extended. However, you need to fill up the extension form on time. However, you need to keep in mind that there are age restrictions for Domestic Travel Insurance policies. If you have a family member over the age of 85, they will be required to undergo medical tests before they get travel insurance cover.
Points to Remember When Choosing a Policy
When choosing a Domestic Travel Insurance policy, you need to remember that:
Enjoy Your Trip With Domestic Travel Insurance
Travelling should be about fun and not worrying about what to do if things go wrong. Domestic travel insurance guarantees you your peace of mind! So, go online, find out what the different insurers are offering you and choose the policy that serves your purpose! Bon Voyage!