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Domestic Travel Insurance

Travelling is all about happy memories and having great times. A trip is full of fun and excitement, if everything goes the way we plan. But, there is always a chance of things getting twisted, due to unforeseen situations that are beyond our control.

On a trip, one wouldn’t want to face situations such as lost baggage, flight cancellations, missing documents, or ill health. These sorts of circumstances may drain all your cash within minutes and can cause emotional chaos as well. A domestic travel insurance plan is all that you need to combat such ill-fated incidents.

A travel insurance is the ‘must-have’ for every travel plan. As unforeseen events may occur anytime, it becomes quite essential to keep a backup plan that can handle emergencies with ease. A domestic travel insurance ensures you a peace of mind, a feeling of security and a sense of preparedness against eventualities.

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Benefits of Domestic Travel Insurance

By having a right domestic travel insurance plan, you are covered against medical expenses incurred during the trip. It protects you against any illness or injury that comes in your way and you can enjoy the trip without any financial contingency. It also protects you against loss/theft of baggage and delay/cancellation of trip. The medical expenses incurred in case of any emergency evacuation are also reimbursed. 24x7 emergency assistance is also provided under the travel insurance plan.The benefits of travel insurance may vary from one plan to another.

Coverage Under Domestic Travel Insurance

Here is the coverage available under the domestic travel insurance policy.

Medical Cover: It takes care of any medical emergencies that could occur to your health during the travel. There may be a health injury, illness or accident that requires an immediate medical attention. A domestic travel insurance policy provides a cover against medical expenses, when you are travelling. Any medical expenses incurred due to an immediate medical treatment of an injury sustained is also covered.

Flight Cancellation/Delay: Airlines are infamous for delaying flights and sometimes cancelling the flights. There is always the higher chances of flight delay or cancellation that not only causes inconvenience, but is also costly as you can miss connecting flights as well. A travel insurance policy provides you the compensation for the flight delays or cancellations.

Lost Baggage: Lost baggage is one of the common scenarios that travellers has to face. Most airlines offer compensation policies for lost baggage, but it may not be sufficient to cover your loss. A travel insurance policy ensures that the cost of your belongings is recovered.

Accidental Death and Dismemberment: Mishaps may occur to anyone, so it’s better to get covered. Some travel insurance policies provide coverage against accidental death or dismemberment sustained during the trip.

Repatriation of Remains: In the event of your death during the trip, the expenses incurred to return your body to your usual residence are covered.

Emergency Medical Evacuation: In case of a medical emergency, the expenses incurred for the evacuation and transportation of the insured for medical care are also covered by travel insurance policies.

Lost Luggage Assistance: There are some insurance companies that offer lost luggage assistance. It provides assistance for the insured by contacting concerned authorities and providing directions for its recovery.

Personal Liability: If a claim is made against you for property damage to a third party, an amount as stated under the policy is payable. Some insurers have started offering this personal liability cover with travel insurance plans.

Best Domestic Travel Insurance Plans

Here is the list of best travel insurance plans, you can opt for.

Domestic Travel Insurance Plans Eligibility Criteria Key Benefits Add-ons
Tata AIG Domestic Travel Guard Policy Anyone traveling by Air/ Rail/ Road within the Republic of India
  • Accidental Death and Dismemberment Benefit
  • Emergency Accident Medical Expenses Reimbursement
  • Missed Departure (Rail / Air)
  • Accommodation charges due to trip delay
  • Loss of TicketsEmergency medical evacuation
  • 24 x 7 Assistance
  • Personal Liability
  • Repatriation of Remains
Not Available
Apollo Munich Easy Domestic Travel Insurance 6 months to 70 years
  • Personal Accident
  • Accident: Medical Treatment, Assistance & Evacuation
  • Trip Cancellation
  • Trip Curtailment
  • Flight Delay
  • Total Loss of Checked-in Baggage
  • Emergency Travel
  • Emergency Hotel
Extra benefits are available on the basis of plan variants opted
Bajaj Allianz Travel Prime Family 6 months to 60 years
  • Personal Accident
  • Medical Expenses and Evacuation
  • Repatriation
  • Loss of Checked Baggage
  • Accidental Death & Disability (Common Carrier)
  • Loss of Passport
  • Personal Liability
  • Trip Delay
  • Hospitalization Daily Allowance
  • Trip Cancellation
  • Delay of Checked Baggage
  • Emergency Cash Benefit
Not Available

Benefit Illustration

Let’s understand the benefits of a domestic travel insurance policy with the help of an illustration.

In case, you have opted for Tata AIG Domestic Travel Guard Policy, you can get coverage against following scenarios.

Accidental Death & Dismemberment: A percentage of the principal sum is payable against the losses incurred. In case of loss of either hand or foot, you are covered up to 50% of the sum insured.

Emergency Accident Medical Reimbursement: The reasonable charges for covered medical expenses incurred are payable. It is covered up to the maximum amount and period, as stated.

Emergency Medical Evacuation: The charges incurred, if the injury or Sickness results in your necessary emergency evacuation during the journey.

Apart from this, it also provides assistance such as medical assistance, repatriation, lost luggage assistance, emergency travel services, lost travel document/credit card assistance and many others.

Domestic Travel Insurance General Exclusions

Here is the list of common exclusions available with a travel insurance policy.

  • Any Pre-existing Condition or any complication arising from it
  • Insured Person is travelling against the advice of a Physician
  • Suicide or attempted suicide
  • Intentionally self-inflicted Injury
  • HIV or AIDS infection
  • Influence of drugs, alcohol, or other intoxicants
  • Any loss arising out of War, civil war, invasion
(Note: The exclusions may vary from one plan to the other)
Travel Insurance Companies

ICICI Lombard Travel Insurance

SBI Travel Insurance

TATA AIG Travel Insurance

Bajaj Allianz Travel Insurance

HDFC ERGO Travel Insurance

Reliance Travel Insurance

Royal Sundaram Travel Insurance

BHARTI AXA Travel Insurance

Future Generali Travel Insurance

IFFCO Tokio Travel Insurance

Religare Travel Insurance

Cholamandalam Travel Insurance


Apollo Munich Travel Insurance