TRAVEL INSURANCE

Domestic Travel Insurance — Travel Worry-Free Across India

Comprehensive domestic travel insurance covering trip cancellation, medical emergencies, baggage loss, flight delays, and adventure sports across India.

What is Domestic Travel Insurance?

Domestic travel insurance provides financial protection during trips within India. It covers unexpected events like trip cancellation, medical emergencies during travel, loss of baggage, flight delays, personal liability, and even adventure sports activities.

Whether you are travelling for business, leisure, or adventure — from a weekend trip to Goa to a month-long tour of Ladakh — domestic travel insurance ensures you are protected against financial losses from unforeseen events.

Why Do You Need Domestic Travel Insurance?

Medical Emergency Cover — Hospital expenses if you fall ill or get injured during travel
Trip Cancellation — Recover non-refundable expenses if trip is cancelled due to covered reasons
Baggage Protection — Compensation for lost, stolen, or delayed baggage
Flight Delay — Coverage for expenses due to flight delays beyond specified hours
Adventure Sports — Optional cover for trekking, rafting, skiing, and other activities
Personal Liability — Protection if you accidentally cause injury or property damage to others

Key Benefits

Medical Cover

Emergency hospitalization, medical treatment, and emergency evacuation during travel.

Baggage Protection

Compensation for lost, stolen, delayed, or damaged baggage during the trip.

Trip Cancellation

Recover pre-paid non-refundable expenses if trip is cancelled for covered reasons.

Flight Delay

Hotel and meal expenses covered if your flight is delayed beyond 6-12 hours.

Adventure Sports

Optional cover for trekking, paragliding, rafting, bungee jumping, and more.

Personal Liability

Coverage if you accidentally cause injury or property damage to third parties.

Types of Plans Available

Basic Travel Plan

Essential medical emergency and trip cancellation cover. Ideal for short domestic trips.

Standard Travel Plan

Comprehensive coverage including baggage, flight delay, and personal liability. Best for most travelers.

Adventure Travel Plan

Standard plan plus adventure sports cover. Perfect for Ladakh, Manali, Rishikesh, and other adventure trips.

Claim Process

Contact insurer helpline immediately in case of emergency

For medical: Get treatment at nearest hospital, save all bills and reports

For baggage: File report with airline/police and obtain Property Irregularity Report

Submit claim form with supporting documents within 30 days of return

Insurer verifies and processes claim within 7-15 working days

Documents Required

Travel tickets and booking confirmations
Hotel booking receipts
Identity proof (Aadhaar, Passport)
Medical bills and reports (for medical claims)
Property Irregularity Report from airline (for baggage claims)
FIR copy (for theft claims)

Frequently Asked Questions

Is domestic travel insurance worth it?

Yes, especially for expensive trips, adventure travel, or when you have non-refundable bookings. The premium is typically ₹200-500 for a week-long trip, which is minimal compared to potential losses.

Does it cover COVID-19 related issues?

Many policies now include COVID-19 coverage for medical emergencies and trip cancellation. Check the specific policy terms for COVID-related exclusions and inclusions.

Can I buy travel insurance after booking my trip?

Yes, you can buy it anytime before your departure date. However, buying earlier ensures trip cancellation coverage from the date of purchase.

Does domestic travel insurance cover adventure sports?

Standard plans typically exclude adventure sports. You need an adventure sports add-on or an adventure travel plan specifically for activities like trekking, rafting, paragliding, and skiing.

What is the claim process for lost baggage?

Report the loss to the airline immediately and get a Property Irregularity Report (PIR). File a police complaint for theft. Submit these along with the claim form and receipts of the lost items.

Are pre-existing medical conditions covered?

Generally, pre-existing conditions are excluded from travel insurance. However, emergency stabilization treatment may be covered. Check policy terms carefully if you have any existing health conditions.

Can I extend my travel insurance if my trip is extended?

Some insurers allow extensions. Contact your insurer before the policy expiry date. If the trip extension is due to a covered event (like flight cancellation), extended coverage may apply automatically.

Does it cover road trips within India?

Yes, domestic travel insurance covers all modes of travel within India including road trips, train journeys, and flights. The coverage applies regardless of the mode of transport used.

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