Due to the sudden outbreak of COVID-19 pandemic, the Government of India has suspended all international aviation services. However, domestic flights are resuming their services gradually while following some strict travel guidelines.
Amidst such conditions, travel insurance plans have become more important than ever as it provides financial coverage against any emergencies that individuals may encounter during their tour. More specifically, the domestic travel insurance policy comes handy whenever individuals make any travel plan within the country.
Apart from vacationers, such a policy is also beneficial for business travellers.
Reasons to insure your domestic travel
As the Government is slowly allowing more interstate transportation, including airlines, to operate within the country, it is likely that more individuals will choose domestic holiday plans over international ones, at least for the time being. However, in any case, a domestic travel insurance plan is necessary to safeguard every trip they take.
Following are some of the merits of owning such a travel insurance policy.
- Coverage for emergency expenses incurred during a trip
To stop the spread of COVID-19, national lockdown can be enforced anytime, and a traveller can get stranded on his/her holiday. In such a scenario, one needs emergency funds for an unplanned extended stay that includes hotel bills, food and others.
A domestic travel insurance plan in India ensures that the policyholders can pay the hotel bills, by providing financial assistance of up to Rs.50,000. It also covers a portion of the expenses incurred upon return journey and other essential services conveniently.
- Financial assistance for loss of luggage
One of the most common problems that frequent flyers have to face is misplaced or lost baggage during a flight. Unfortunately, the number of airlines offering compensation for such inconvenience is meagre.
While the chances for recovering a lost luggage are low, any best domestic travel insurance company ensures you get adequate financial compensation in case you face such a scenario. For example, availing a Domestic Holiday Cover offered by Bajaj Finserv under its Pocket Insurance & Subscriptions allows you to claim up to Rs.3 lakh on a particular insured trip.
- Roadside assistance with no extra cost
Not all travellers undertake a journey by airlines; some of them also love to opt for a long road trip with their friends and family. While such adventures are exciting, the chances of a sudden breakdown of a car are not uncommon. This can get you stranded in the middle of nowhere, and you may have to settle for expensive mobile car repair services.
In such cases, you can also apply for online domestic travel insurance plan in India that covers 700+ locations across the nation. It ascertains that policyholders do not have to bear the expenses incurred during the repair work.
- Additional features
Apart from these, top insurers also provide several complimentary insurance covers that can help create a monetary support of a substantial amount if you get involved in any accidents while travelling. It includes accidental hospitalisation, personal accidents, cancellation of trips and several others.
Moreover, you can opt for a home protection cover to financially safeguard yourself against cases of burglary when you are away from home. However, it is advised to take proper precautions and make prior arrangements before planning any vacation considering the COVID-19 situation.
Regardless of your destination and travel itineraries, availing a domestic travel insurance plan can prove to be especially beneficial in the long run. Nonetheless, despite taking all safety measures, you can still test positive for COVID-19. Hence, to facilitate the treatment for the same, availing a COVID-19 protection cover would be a wise decision that will allow you to seek treatment from the best possible medical facility if the need arises.