Why you should opt for a domestic travel insurance policy?

We all like to travel. Travel away from our daily routine-oriented life, to a place which is new and exciting, with our loved ones. But have we ever thought of insuring our travel?

While making the payment for our flight ticket, an option of travel insurance appears on the screen, which we just don’t pay heed to and skip to the payment section. The question, though, always lingers, ‘Is it so necessary to get your travel within the country insured?’ We know and understand travel insurance so we get our travel abroad insured but not our domestic travels. Domestic travel insurance policy is equally important as it covers many hitches that may come in your travel.

Reading further, you will understand as to why you should opt for a domestic travel insurance policy

Domestic travel insurance has some very important features attached to it, which one should thoroughly know about:

Loss of Baggage

Reaching your holiday destination without any of your possessions is depressing. While travelling, it may happen that you lose your baggage or your baggage gets stolen. The travel insurance covers such situations by providing you with a compensation for the amount of money you spend to restock your lost items.

Medical Expenses

If by any chance one falls sick when he is on his vacation and unfortunately needs hospitalization or medical attention, then the domestic travel insurance can come very handy. As it will help you save a lot of money on treatments anywhere within the country.

Emergency Medical Evacuation

The money that is spent in travelling from one destination to another during an emergency is covered by travel insurance. If the place you are on holiday does not have a well-equipped hospital then you need to be taken to a big and advanced well-equipped facility where a good amount of your money can be spent.

Benefits on Adventure Sports

Bungee jumping, rappelling, river rafting, paragliding... and the list goes on. More and more people look forward to such adventure sports while on holidays. Though these sports are exciting and fun-filled, they involve a lot of risk. The travel insurance covers any kind of accidents that may occur while enjoying such activities. 

Protecting your Home 

This is one of the extensive features provided by travel insurances. This will cover any damage done to your property due to theft or robbery while you are on a vacation. This feature of travel insurance is exceptionally very beneficial as it protects your home while you are far away as well as covers your travel.

Missed Flight

In the event that the vehicle in which you are travelling to the airport breaks down or meets with an accident, and consequently you miss your flight, then the reimbursement for the flight ticket can be claimed under this travel insurance. There are certain terms and conditions attached to this, which you should check and understand before taking up the insurance.

Missed connecting flight or train

If there is any kind of delay in your journey which results in you missing your connecting flight or train, then the amount of money spent for the connecting journey ticket is reimbursed by the travel insurance. This is one of the most considerate and travel friendly feature of this policy.

Curtailing the Trip

While on vacation, if there is any kind of family or personal emergency, then you would have to cut short the duration of your trip. The travel insurance comes in such situations too as our money saviour and reimburses the money of the ticket of our unexpected and unanticipated journey back home. This plan does not cover any work-related emergencies.

Cost of Accommodation

During your travel, it may happen that your flight gets delayed. In such situations, if the airline does not cover for your accommodation, then your travel insurance can come to your rescue. The policy documents do provide the list of places where you can find accommodation under such situations. There are some sub-limits set as to how much one can claim for.

Accidental Death or Dismemberment

While travelling, if there is any kind of accident wherein the insured person loses his life, then the nominees can ask for a claim, which is much lesser than the life insurance policy. In case of dismemberment too compensation is provided.

After understanding all the various features of domestic travel insurance, we can conclude that while we excitedly get ready for the adventures and pleasures of our journey, we should also get ready for the events which are unforeseen or unexpected. Such factors may kill the fun of our travel. Hence, insurance brings security. The domestic travel insurance policy deals with such situations and helps us in many ways. Travel safely with travel insurance handy. 

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