Domestic Travel Insurance

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We pay a lot of attention, when we plan to go out for an overseas trip. However, this is not true for the domestic tours, in spite of the fact that we may face the same troubles in a domestic tour like that of a foreign land trip. Insurance is a factor, which we hardly care to avail during a domestic travel. Travel insurance policy covers all the mishaps, which may occur during your journey, ranging from the baggage being stolen to an accident, since more and more people are opting for adventure tours these days. Domestic travel insurance can be of two types:

The single trip domestic travel insurance policy: This policy covers a single trip.

The annual multi-trip domestic travel insurance policy: This policy covers a 12-months duration. You can avail as many trips you want to avail in one year. This is a very cost-effective policy for frequent travelers.

Domestic travel insurance coverage:

This insurance policy covers cancellation costs. If you want to cancel your trip, and thereby want to cancel hotel booking and associated arrangements, this insurance can help you to get your money back.

This policy covers personal liability. It covers the policyholder if any accidental damage takes place to another person's stuff.
This insurance plan offers luggage cover, which includes luggage loss, luggage damage or theft etc. It also covers credit card and other personal belongings theft.

This policy offers additional costs. When you are on a holiday, not everything may occur according toy our plans. For this reason, domestic travel insurance is very necessary.

This policy offers rental vehicle insurance surplus. If you have an accident or damage any rental car, this policy will cover you.

Generally, domestic travel insurance policies do not cover medical expenses during your holiday.

Domestic travel insurance providers:

TATA-AIG Domestic Travel Guard Insurance: TATA-AIG is one of the best insurance service providers in the country. They also offer domestic travel insurance, which covers flight delays, luggage loss or theft, and ticket loss.

ICICI Lombard General Insurance: ICICI Lombard General Insurance along with Kingfisher Airlines offers domestic travel insurance. This policy includes tour cancellation, trip disruption due to natural calamities, luggage theft or loss, medical expenses, and hospitalization.

Bajaj Allianz Domestic Travel Insurance: The domestic insurance policies, offered by Bajaj Allianz is an all in one package. It includes personal accidental benefits including hospitalization and associated expenses during a tour.

Bank Of India: Bank Of India offers domestic travel insurance policy for their individual account holders. Their policy covers an individual for a year or more. This plan has three sections: personal accidents, hospitalization expenses, and luggage loss. These plans are accompanied with very low premium, which is suitable for all classes of people.

Domestic travel insurance policy can make your trip stress free. When you are roaming around a different city or state, anything can happen. This insurance covers almost all the possibilities to make your journey less-hazardous.

Last Updated on 20/06/2011

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