All About Domestic Travel Insurance

Domestic Travel Insurance - BimaBandhu

India, a land of diverse cultures, breathtaking landscapes, and unforgettable experiences, beckons travelers from all corners of the globe. From the bustling Delhi streets to the Kerala backwaters, this vibrant country offers a myriad of treasures waiting to be explored. However, amidst the excitement of embarking on an adventure, it is crucial to prioritize your safety. With travel risks lurking around unexpected corners, ensuring your well-being becomes paramount. That’s where domestic travel insurance comes into play, offering you the peace of mind you need to fully immerse yourself in the beauty of India.

Traveling in India, like anywhere else, comes with its share of uncertainties. While we all hope for smooth and hassle-free journeys, it’s essential to acknowledge the potential risks involved. Statistics reveal that the Indian travel insurance market is expected to achieve a CAGR of 12% during 2023-2028. Therefore, it’s clear that more and more people are taking a proactive approach to safeguarding their travel plans.

In such a scenario, purchasing domestic travel insurance becomes an indispensable part of your travel planning. It acts as a protective shield, guarding against the unexpected and providing financial coverage in times of distress. Whether you’re a solo backpacker, a family on vacation, or a business traveler exploring new opportunities, having travel insurance tailored to domestic travel within India can make all the difference.

While the idea of buying insurance might not be the most glamorous aspect, it’s a small price to pay for the peace of mind it offers. We, at BimaBandhu, are dedicated to helping you understand domestic travel insurance better.

What is Domestic Travel Insurance?

Domestic travel insurance is a type of travel insurance plan specifically designed for individuals traveling within their own country. It provides financial protection and assistance in case of unexpected events or emergencies that may occur during the trip. 

You should also know that domestic travel insurance in India is not a substitute for health insurance. It primarily focuses on travel-related risks and expenses. If you have existing health insurance, it’s advisable to check if it provides coverage for medical emergencies while traveling within your own country. If not, purchasing domestic travel insurance can help fill that gap.

What are the Common Features of Domestic Travel Insurance Plans

While the specific coverage may vary depending on the insurance provider and the policy you choose, here are some common features of domestic travel insurance in India:

  • Trip cancellation or interruption

This coverage reimburses you for non-refundable expenses if you have to cancel or cut short your trip due to unforeseen circumstances such as illness, injury, or a family emergency.

  • Medical expenses

Domestic travel insurance policies typically cover emergency medical expenses incurred during your trip. This can include hospitalization, doctor’s fees, medication, and emergency medical evacuation if necessary.

  • Baggage and personal belongings

If your baggage gets lost, stolen, or damaged during the trip, your travel insurance plan can provide compensation for the value of your belongings. It may also cover the cost of essential items you need to replace while traveling.

  • Travel delay or missed connection

If your flight or other mode of transportation is delayed or you miss a connection due to reasons beyond your control, travel insurance may reimburse you for additional expenses such as accommodation, meals, or transportation.

  • Personal liability

In case you cause accidental injury to someone else or damage their property, domestic travel insurance in India can provide coverage for the related expenses.

What are the Advantages of Buying Domestic Travel Insurance?

Given below are the advantages of purchasing domestic travel insurance:

  • Financial protection

One of the primary benefits of buying domestic travel insurance is the financial protection it provides. In case of trip cancellation or interruption, you can be reimbursed for the non-refundable expenses you have already incurred. This can include costs related to flights, accommodations, tours, and other pre-paid bookings. This way, you won’t have to bear the financial burden of unexpected trip changes.

  • Emergency medical assistance

Medical emergencies can occur anytime, even when you’re traveling within your own country. Domestic travel insurance covers emergency medical expenses and ensures that you receive necessary medical treatment without incurring hefty out-of-pocket expenses. From hospitalization to doctor’s fees and medication, you can travel with peace of mind knowing that your medical needs are taken care of.

  • Travel assistance services

Domestic travel insurance often covers travel assistance services that can be invaluable during your trip. These services may include a 24/7 helpline for emergency assistance, travel information and advice, translation services, and coordination of medical services. Having access to such services can be a great help, especially if you encounter any unexpected situations or require immediate assistance.

  • Protection for personal belongings

Losing your baggage or having your personal belongings stolen can be a major inconvenience during your trip. Domestic travel insurance provides coverage for lost, stolen, or damaged baggage and personal belongings. This can include compensation for the value of your items, enabling you to replace essential items and continue your journey smoothly.

  • Peace of mind

Traveling can be unpredictable, and unforeseen circumstances can disrupt your plans. Having insurance coverage ensures that you are prepared and protected against these uncertainties. It allows you to focus on enjoying your trip rather than worrying about the financial implications of potential mishaps.

  • Customizable coverage

This type of travel insurance policy offers flexibility and allows you to customize the coverage based on your specific needs. You can select the coverage limits, deductible amounts, and additional options that align with your travel plans and preferences. The flexibility to customize the policy ensures that you pay for the coverage you need.

What are the Domestic Travel Insurance Policy Inclusions?

The features of domestic travel insurance defined above largely cover most of the common inclusions. The exact benefits/coverage depends on the insurer and insurance policy you select. Hence, it is advisable to read the policy documents and consult with the insurance provider to clarify any doubts or questions you may have regarding the coverage

What are the Domestic Travel Insurance Policy Exclusions?

While travel insurance provides coverage for various situations, it’s important to be aware of what is typically not covered under such policies. While the specific exclusions may vary depending on the insurance provider and policy, here are some common exclusions that you may find in domestic travel insurance:

  • Pre-existing medical conditions

Most domestic travel insurance policies do not cover expenses related to pre-existing medical conditions. These are typically conditions for which you have received medical advice, treatment, or medication prior to purchasing the insurance policy. However, some insurers may offer coverage for the acute onset of pre-existing conditions, so it’s essential to check the policy details.

  • High-risk activities and extreme sports

These travel insurance plans often exclude coverage for injuries or accidents that occur while participating in high-risk activities or extreme sports such as skydiving, bungee jumping, mountaineering, or other activities that are considered hazardous. If you plan to engage in such activities, you may need to purchase additional specialized coverage.

  • Non-medical evacuation

While travel insurance may cover emergency medical evacuation, it typically does not cover non-medical evacuations where you need to be evacuated for non-medical reasons, such as civil unrest, natural disasters, or political instability.

  • Self-inflicted injuries or reckless behavior

Domestic travel insurance in India generally excludes coverage for injuries or damages resulting from self-inflicted injuries or reckless behavior. If you engage in activities that are intentionally harmful or put yourself at unnecessary risk, any associated expenses may not be covered.

  • Losses due to intoxication or substance abuse

Expenses or losses incurred as a result of being under the influence of alcohol, illegal drugs, or other substances are typically excluded from coverage. It’s important to note that insurance companies may have specific definitions and criteria for what constitutes intoxication or substance abuse.

  • Travel against medical advice

If you travel against medical advice or with a known medical condition that is deemed unsafe for travel, any related expenses or incidents may not be covered under domestic travel insurance. Therefore, it’s important to follow the guidance of your healthcare provider regarding your fitness to travel.

Things to Remember While Buying Domestic Travel Insurance

Here are some important things to remember while buying domestic travel insurance in India:

  • Assess your coverage needs

You need to determine the specific coverage you require based on your travel plans, such as trip cancellation, medical expenses, baggage loss, or personal liability. Consider factors like destination, duration, and activities planned.

  • Compare policies

It is important to research and compare different insurance providers to find the policy that best suits your needs. Look at coverage limits, exclusions, deductibles, and additional benefits offered by each provider.

  • Read the policy documents

You should carefully read the policy documents, including terms and conditions, coverage details, and exclusions to understand what is covered and what is not to avoid any surprises later.

  • Consider add-ons

Some insurance policies also offer optional add-on coverage for specific needs, such as adventure sports, rental car damage, or trip curtailment. Hence, it is important to evaluate if any add-ons are necessary for your trip.

  • Check claim process

You must also understand the process for filing claims and the required documentation. Ideally, it should be a hassle-free and efficient process for faster claim settlement in case of emergencies or incidents.

  • Check network hospitals

Since medical coverage is important to you, you must check the list of network hospitals where you can avail of cashless medical services. Ensure the network hospitals are easily accessible at your destination.

  • Consider customer reviews

You can also read customer reviews and ratings of insurance providers to get an idea of their service quality, claim settlement process, and customer satisfaction.

  • Compare premiums

You can compare travel insurance premiums of different policies online or use a travel insurance premium calculator to ensure you are getting the best value for your money. Keep in mind that the cheapest policy may not always provide adequate coverage, which is why you should balance cost with coverage.

  • Check policy validity

You should also verify the policy validity period and ensure that it covers the entire duration of your trip. Some policies offer single-trip coverage, while others provide annual multi-trip domestic travel insurance coverage.

  • Disclose relevant information

You should also provide accurate and complete information about your health, pre-existing conditions, and any activities you plan to engage in during your trip. Failing to disclose relevant information may lead to claim denial.

  • Seek expert advice

If you are unsure about the policy terms or need assistance in choosing the right coverage, consider seeking advice from insurance agents or professionals who specialize in travel insurance. Read insurance-related guides and blogs to understand how different types of policies work.

How to Buy Domestic Travel Insurance?

In India, you have the option to buy domestic travel insurance either online or offline. Let’s explore both modes of purchase, including buying directly from the insurer and through aggregator platforms.

Steps to buy domestic travel insurance online

1. Directly from the Insurer

  • Visit the official website of the insurance company you are interested in and navigate to their travel insurance section. 
  • Fill in the required details, such as trip dates, coverage preferences, and personal information, in the online application form. 
  • Review the coverage, policy terms, and premium before proceeding with the payment. 
  • Make the payment online using a secure payment gateway. 
  • Once the payment is confirmed, you will receive the policy documents via email.

2. Through aggregator platforms

Online insurance aggregator platforms allow you to compare and purchase travel insurance policies from multiple insurers in one place. 

  • Visit a reputable aggregator platform that offers domestic travel insurance. 
  • Fill in the necessary information, including your travel details and coverage requirements. 
  • The platform will provide you with a list of available policies from different insurers along with their coverage details and premiums. 
  • Compare the options and select the policy that suits your needs. 
  • Proceed with the online payment, and the policy documents will be sent to you electronically.

Steps to buying domestic travel insurance offline

1. From the Insurer’s Office

  • Visit the nearest branch office of the insurance company that offers domestic travel insurance. 
  • Speak to a representative or agent who will guide you through the policy options and assist you in selecting the right coverage. 
  • Fill in the application form with the necessary details and submit it along with the required documents. 
  • Make the premium payment through the available payment methods, such as cash, card, or cheque.
  • Once the payment is processed, you will receive the policy documents physically or via mail.

2. Through insurance agents

  • Contact an authorized insurance agent who represents one or more insurance companies.
  • Discuss your travel plans and coverage requirements with the agent and ask him to suggest suitable policies based on your needs. 
  • Provide the necessary information and complete the application form. 
  • Make the payment to the agent, and he/she will process your policy. 
  • You will receive the policy documents physically or via mail.

When purchasing domestic travel insurance, whether online or offline, it’s essential to provide accurate information and read the policy documents carefully. 

What are the Eligibility Criteria to Buy Domestic Travel Insurance in India?

The eligibility criteria to buy domestic travel insurance in India can vary slightly among insurance providers. However, here are some common eligibility requirements:

  • Residency

Generally, domestic travel insurance in India is available to Indian residents. You should have a valid residential address in India to be eligible for coverage.

  • Age

Most insurance providers have a minimum and maximum age limit for purchasing domestic travel insurance. The minimum age is typically around 3 months to 6 months, while the maximum age can range from 70 to 85 years, depending on the insurer.

  • Trip duration

Insurance providers may have limitations on the minimum and maximum trip durations that they cover which usually range from a few days to around 180 days.

  • Pre-existing medical conditions

Insurance providers may have exclusions or limitations related to pre-existing medical conditions. Some policies may not cover expenses related to pre-existing medical conditions at all, while others may provide coverage for acute onset of pre-existing conditions. This is why it’s important to check the policy terms regarding pre-existing conditions and any associated coverage limitations.

  • Destination

Domestic travel insurance is specifically designed to cover trips within India. Therefore, you should be traveling within the country to be eligible for this type of insurance. If you plan to travel internationally, you may need to consider international travel insurance instead.

  • Valid ID proof

When purchasing domestic travel insurance, you will likely be required to provide a valid identification proof, such as a passport, driving license, Aadhaar card, or PAN card. The identification proof helps establish your identity and residency.

It’s important to note that these eligibility criteria may vary slightly among different insurance providers and policies. It’s recommended to carefully review the policy documents or consult with the insurance provider directly to understand the specific eligibility requirements and any additional criteria that may apply.

What Are the Common Myths Related to a Domestic Travel Insurance Policy?

There are several common myths related to domestic travel insurance policies in India. Let’s debunk some of these myths here.

Myth 1: Domestic travel insurance is unnecessary for travel within India. 

While traveling within your own country, you may assume that you don’t need travel insurance. However, domestic travel insurance provides essential coverage for situations like trip cancellations, medical emergencies, baggage loss, and personal liability, ensuring you have financial protection and peace of mind during your trip.

Myth 2: Domestic travel insurance is expensive. 

The cost of domestic travel insurance can vary depending on factors such as coverage limits, deductibles, and the duration of your trip. However, the insurance is generally affordable and offers valuable coverage for unexpected events. The cost is often a small fraction of your overall travel expenses and can save you from significant financial losses in case of emergencies.

Myth 3: My existing health insurance policy covers me during domestic travel. 

While some health insurance policies may provide coverage for medical emergencies during domestic travel, not all policies offer this benefit. It’s important to check the terms and conditions of your health insurance policy to understand if it includes coverage for travel-related medical expenses. Purchasing dedicated domestic travel insurance ensures comprehensive coverage specifically tailored for travel-related risks.

Myth 4: I don’t need travel insurance because I have a credit card with travel benefits. 

Some credit cards offer travel benefits, including limited coverage for certain travel-related incidents. However, these benefits are often minimal and may not provide comprehensive coverage. They may have restrictions, such as requiring you to make travel bookings using the credit card to be eligible for coverage. Purchasing dedicated domestic travel insurance provides more comprehensive coverage and tailored benefits for your specific travel needs.

Myth 5: Domestic travel insurance covers all types of activities and sports. 

While this type of travel insurance covers a wide range of activities, certain high-risk or extreme sports may be excluded from coverage. Activities like mountaineering, skydiving, or motor racing may require additional specialized coverage. Therefore, it’s essential to review the policy terms and exclusions to understand which activities are covered and if any additional coverage is required for specific adventure sports.

Myth 6: I can buy domestic travel insurance at any time, even during my trip. 

Domestic travel insurance needs to be purchased before the start of your trip. Insurance providers require you to buy the policy in advance to ensure coverage for any unforeseen events or emergencies that may occur during your trip. Hence, it’s advisable to buy travel insurance as soon as you make any pre-paid bookings for your trip to ensure maximum coverage.

By dispelling these common myths, it becomes clear that domestic travel insurance is a valuable investment that provides financial protection and peace of mind during your travels within India.

How to File a Claim Under Domestic Travel Insurance?

Filing a claim under domestic travel insurance involves a few simple steps. Here is a generic guide on how to file a claim:

  • Contact your insurance provider

You first need to notify your insurance provider as soon as possible about the incident or event that requires you to file a claim. This can typically be done through their customer service helpline or by following the instructions provided in your policy documents.

  • Gather required documentation

Collect all the documents you need to support your claim. This may include the claim form provided by the insurance company, original receipts or invoices, medical reports, police reports (in case of theft or loss), travel tickets, and any other relevant supporting documents. Make sure to keep copies of these documents for your own records.

  • Complete the claim form

Fill out the claim form carefully and provide the requested information. Be thorough and provide detailed explanations of the incident or event that led to the claim.

  • Submit the claim form and supporting documents

Submit the completed claim form along with the supporting documents to your insurance provider. This can typically be done through email, online portals, or physical submission, depending on the instructions provided by your insurance company.

  • Follow up with additional information

In some cases, the insurance provider may require additional information or documentation to process your claim. Respond promptly and provide any requested information to ensure a smooth claim process.

  • Cooperate with the claims process

Cooperate fully with the claims process and any investigation required by the insurance provider. Respond to any queries or requests for information promptly to avoid delays in claim settlement.

  • Await claim decision and settlement

The insurance provider will assess your claim based on the provided information and documentation. They will communicate their decision to you and provide details on the claim settlement, including the amount approved and the payment process.

  • Receive claim amount

If your claim is approved, the insurance provider will initiate the claim settlement process. This may involve reimbursing you for the approved amount directly to your bank account or issuing a cheque, depending on the settlement method agreed upon.

It’s important to note that the specific claim process may vary depending on the insurance company and the nature of the claim.

Why Should You Buy Domestic Travel Insurance Online?

Buying domestic travel insurance online offers several advantages that make it a convenient and efficient option. Here are some reasons why you should consider purchasing domestic travel insurance online:

  • It allows you to complete the entire process from the comfort of your own home or anywhere. You can browse different insurance providers, compare policies, and make your purchase at any time that suits you.
  • It provides access to a wide range of domestic travel insurance policies from various insurance providers. You can easily compare coverage, benefits, and premiums, allowing you to make an informed decision based on your specific needs and budget.
  • Online purchase eliminates the need for visiting physical insurance offices or dealing with agents, saving you time and effort. With just a few clicks, you can complete the entire buying process, saving valuable time for other travel preparations.
  • Online purchase of domestic travel insurance typically results in instant policy issuance. Once you complete the payment process, you will receive the policy documents electronically, allowing you to have immediate proof of coverage.
  • Online platforms provide detailed information about each policy, including coverage details, exclusions, and terms and conditions. This transparency enables you to thoroughly review the policy features and understand what is covered before making a purchase.
  • Online platforms enable easy comparison of premiums and coverage across multiple insurance providers. This allows you to find the best value for your money and potentially save on the cost of domestic travel insurance by choosing a policy that meets your needs at a competitive price.
  • Reputable online platforms and insurance provider websites use secure payment gateways to ensure the safety of your financial transactions. You can have peace of mind knowing that your personal and payment information is protected.


Is domestic travel insurance necessary for travel within India? 

While buying this type of insurance is not mandatory, it is highly recommended. It provides financial protection against unforeseen events such as trip cancellations, medical emergencies, baggage loss, and personal liability, ensuring peace of mind during your travels within India.

Can I purchase domestic travel insurance after I start my trip? 

No, domestic travel insurance needs to be purchased before the start of your trip. Insurance providers require you to buy the policy in advance to ensure coverage for any unexpected events or emergencies that may occur during your trip.

Does domestic travel insurance cover pre-existing medical conditions? 

In most cases, these policies do not cover expenses related to pre-existing medical conditions. It’s important to review the policy terms and exclusions to understand the coverage limitations regarding pre-existing conditions.

Can I cancel my trip and get reimbursed with domestic travel insurance? 

Most of these insurance plans often provide coverage for trip cancellation or interruption due to unforeseen events such as illness, injury, or family emergencies. You may be eligible for reimbursement of non-refundable expenses incurred before the trip cancellation or interruption.

What should I do when faced with an emergency during my trip? 

In case of an emergency, immediately contact your insurance provider’s helpline or emergency assistance number provided in the policy documents. They will guide you through the necessary steps and provide support, such as arranging medical assistance or helping with travel-related issues.

How long does it take to receive a claim settlement? 

The claim settlement process duration can vary depending on the insurance provider and the complexity of the claim. Generally, it takes a few weeks for the claim to be processed and settled. Therefore, it’s important to cooperate with the claims process and provide any requested information promptly to avoid delays.

Can I extend my domestic travel insurance coverage if my trip duration changes? 

Some insurance providers may offer options for extending the coverage period if your trip duration changes. It’s advisable to contact your insurance provider before your policy expires to inquire about extension options and any associated fees.

Remember that the answers provided here are of a general nature, and the specific terms and conditions may vary among insurance providers and policies.

Why Choose BimaBandhu?

BimaBandhu, an all-insurance information portal, can provide valuable benefits to individuals looking for domestic travel insurance. Here’s how:

  • Comprehensive information

BimaBandhu offers comprehensive guides and articles that provide in-depth information about various types of insurance policies, including domestic travel insurance. You can gain a better understanding of the coverage, benefits, and features of domestic travel insurance to make informed decisions.

  • Clear Explanations

The content on BimaBandhu is designed to simplify complex insurance concepts and jargon. Individuals seeking domestic travel insurance can benefit from clear explanations of terms, coverage details, and policy requirements, making it easier to understand what is included in their insurance coverage.

  • Insurance-buying guidance

BimaBandhu can provide guidance on the process of buying insurance, including tips on selecting the right coverage, comparing policies, and understanding the factors to consider when purchasing insurance. This guidance can help individuals make well-informed decisions when choosing a domestic travel insurance policy.

  • Policy comparison

It offers insights and tools for comparing insurance policies from different insurance providers. You can access side-by-side comparisons of coverage, benefits, and premiums, allowing them to evaluate options and select the policy that best suits their specific travel needs and preferences.

  • Tips for claims

It also provides tips and guidance on the claims process for travel insurance by outlining the necessary steps to follow when filing a claim, the required documentation, and how to ensure a smooth and efficient claims experience. Such information can be valuable to individuals who need to navigate the claims process.

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