Why should one buy Domestic Travel Insurance?
Travel insurance coverage is essential whether it is an overseas travel or within home country. Domestic travel insurance plan is specifically designed for those who travel within India. Emergencies like sudden illness, accident, medical evacuation, repatriation, missed departure are always unexpected and cause financial loss. Domestic travel insurance plan safeguards you from financial crisis during an emergency while you are traveling anywhere in India.
The purpose of any Travel Insurance policy is to ensure peace of mind to the traveller when they leave home for a holiday or on business. It is also required to cover any unforeseen expense that may come up due to medical or non medical reasons during the trip. One must realise and acknowledge that such exigencies are as likely to happen abroad as in India. This suggests that every traveller should protect themselves from financial loss even during their travels within India.
The most common excuses for not buying Travel Insurance for trips within India are:
- Nothing will happen, I’m traveling for just 2-3 days and within India
- I don’t know where to buy a Domestic Travel insurance policy from
- The premium may to be too high and I’m already over budget for this trip
- Are there actaully any claims filed for losses during Domestic trips? The claims process will be too complicated for such a small claim
The traveller could have an unfortunate accident and need medical assistance or even evacuation to a hospital from a remote location…the common carrier they are traveling with could lose or delay delivering their bags…their unattended home could be burgled when they are on vacation…you could miss your flight or train for genuine reasons while reaching the airport / railway station…there could be an untimely passing away of a family member and his/her remains will need to be transported back home…your flight could be delayed indefinitely due to technical snags of the aircraft…your trip could be cancelled or curtailed due to illness or hospitalisation…accidental coverage for Adventure Sports while vacationing…DOMESTIC TRAVEL INSURANCE plans offer coverage for all of these unforeseen emergencies…