India has a rich heritage, diverse culture, varied landscapes, and stunning travel destinations. Each of these factors lends to unlocking many travel opportunities for travellers worldwide. Whether you like the deep blue sea, serene mountains, thousands of years of heritage personified in monuments, or the modern tourist destinations emerging every year, there is something for everyone in India. 

But while India brings unlimited opportunities to travel within the country, there are still numerous risks that a traveller might face. Domestic travel may not be as risky as international travel, but it may still result in financial loss and hamper the well-being of travellers. 

This is where travellers can opt for travel insurance to secure their trip and ensure the well-being of themselves and their loved ones.

What is domestic travel insurance?

Domestic travel insurance is a risk management tool that protects travellers when exploring their country. As a type of travel insurance, although not as comprehensive as the policies designed for international travel, it still provides coverage for risks associated with travelling.

Why is domestic travel insurance necessary for the safe exploration of India?

If you are planning a domestic trip, although not mandatory, it is highly beneficial to opt for travel insurance. There are numerous risks associated with traveling, whether frequent flight delays or cancellations resulting in a missed connection, loss of checked-in baggage, or accidents. Travel insurance provides financial protection for these risks through coverage, thus making it a necessary tool for all travel. 

Here are a few common coverages provided by travel insurers: 

  • Loss of checked-in baggage coverage

Misplacement or loss of checked-in baggage is a common risk that can result in financial loss. With coverage for these risks, travellers will be compensated for the non-recoverable cost loss of checked baggage.

  • Missed connecting flight coverage

Travel insurance also covers any connecting flights missed due to delayed arrival of a common carrier. 

  • Medical emergency coverage

Although domestic travel is often covered under a comprehensive health insurance policy from insurers like Niva Bupa, travellers can also use travel insurance in case of certain medical emergencies.

  • Trip delay, interruption, cancellation coverage

Travel insurance provides coverage for delay, cancellation, and trip interruption. This allows policyholders to recover non-refundable expenses paid for transport and accommodation if their trip is affected. 

  • Personal accident coverage

When travelling, certain unexpected circumstances can often lead to bodily harm and result in financial loss. This is where personal accident coverage ensures proper healthcare while mitigating the financial impact of these risks.

  • Personal liability coverage

There might be circumstances where a traveller accidentally causes damage to property or injury to others. Personal liability coverage protects the policyholder from financial and legal ramifications. 

How do you buy domestic travel insurance online?

If you are planning to purchase domestic travel insurance, there are two ways by which you can do so: 

  • The first method is to purchase a travel cover offered by travel providers and aggregators like Cleartrip or IRCTC when booking a ticket. These travel providers and aggregators offer insurance by partnering with insurers, making it easy to purchase insurance when travelling. These policies, however, are limited in scope and typically only applicable when using a specific mode of transport. 
  • The second is to independently opt for a comprehensive insurance policy from a dedicated insurance provider like Niva Bupa. 

You can buy insurance using either of these methods based on your specific needs and requirements.

Conclusion

Travelling is integral to our lives, whether for business or leisure, relaxation, or a purpose. However, hidden or unexpected risks can often lead to a negative experience. This is why, whether planning a domestic or international trip, securing yourself and your loved ones is essential. 

Opt for the right travel insurance today and travel within India or abroad with peace of mind and confidence.