5 Scenarios When Domestic Travel Insurance is Essential

India is on most travellers' checklist, and it is good to know that the number of domestic travellers is on the rise. Exploring our own country helps us to connect with our heritage and roots.To ensure you enjoy your trip without hassles, it is a sensible decision to buy travel insurance for domestic travels. Mishaps can occur anytime, and during travel, it could be in the form of a medical emergency, trip cancellation, loss of baggage, accident, etc.Let us look at some situations when a travel insurance plan can be of utmost help:

• Delay or Cancellation of Flight: An unexpected weather condition or a sudden technical glitch can cause prolonged flight delays or even cancellation. In case you had a connecting flight, a delay means you are forced to miss it.
• Missing the Flight: Ask the frequent flyers, and they'll tell you that they have missed the flight at least once in their life. From vehicle breakdown to traffic jams to even getting up late for your early morning flight, reasons could be plenty. Travel insurance covers you for missing the flight.

1. Covers Flight-related Issues One of the most important reasons to go for travel insurance, even when travelling domestically, is that it covers most flight-related issues, such as;
2. Medical Emergencies During the Trip If you face a medical emergency or an accident which requires immediate treatment, your travel insurance can take care of the expenses. In case, an emergency medical evaluation is required, the insurance will cover it as well. Domestic travel insurance may also cover accidental death and disability. However, pre-existing ailments may not be covered as per the policy terms.
   The constituents included in the medical cover may be different with different insurers. Make sure you read the inclusions and exclusions before buying.
3. You Are Forced to Cancel the Trip If you are unable to make the trip due to a sudden turn of events, be it a sudden illness, a mishap in the family or a natural disaster occurring in your destination, travel insurance offers the coverage for the expenses you have incurred.
4. Your Luggage is Lost There could be two chances here. One, your luggage is lost in transit, or it gets stolen. For the former, the airline may offer compensation, but that may not be enough. In such a case, travel insurance will provide the needed coverage.
   Do check with the insurer if they cover luggage theft during your trip as a part of the insurance or as an add-on.
5. You Caused damage to a Property During the Trip Such damages are covered under ‘personal liability’ but only if it was caused unintentionally. Any ruckus created under the influence of drugs or alcohol is not covered in insurance.
   Opting for a travel insurance while touring within India is thus extremely helpful. Since it is economical as well, you can opt for a comprehensive cover to ensure your trip is hassle-free and convenient.

The information contained herein is generic in nature and is meant for educational purposes only. Nothing here is to be construed as an investment or financial or taxation advice nor to be considered as an invitation or solicitation or advertisement for any financial product. Readers are advised to exercise discretion and should seek independent professional advice prior to making any investment decision in relation to any financial product. Aditya Birla Capital Group is not liable for any decision arising out of the use of this information.