With the festive season knocking on our doors, it’s time to start planning your next travel destination! Even the word “travel” ignites excitement in the minds of those with an adventurous spirit. When you finally finish all your travel-related essentials, did your checklist include domestic travel insurance? If not, believe us, it is serious business!
Usually, people spend quality time searching for a travel destination, bookings, or accommodations, and tend to ignore travel insurance. The foremost reason behind this is that they already own a life insurance policy. To burst that bubble, we want to inform you that most life insurance plans don’t cover all travel-related misfortunes that fate may throw your way – but domestic travel insurance does.
What Does Travel Insurance Cover?
A travel insurance plan covers you during travel and medical emergencies while you are traveling within India or anywhere else abroad. You can purchase a travel insurance plan from any Indian insurer and can customize the plan according to your travel destination. You can get travel insurance online as well. The foremost reason one must have travel insurance is to access financial assistance during unforeseen circumstances like an accident, illness, theft, hijacking, terrorist attack, personal liability, or other travel-related complications. Owning a domestic travel insurance plan with comprehensive cover means you needn’t worry about bearing the unplanned expenses due to an emergency. This gives you peace of mind to travel safely.
Types of Travel Insurance & Entry Age
- Domestic Travel Insurance – This plan offers complete coverage for travel-related misfortunes and covers two adults up to 65 years old and two children up to 18 years old. Some plans offer floater benefits as well.
- Family/International Travel Insurance – This plan offers travel coverage for two adults aged up to 60 years and two children up to 21 years old. Family travel insurance offers floater benefits to the policyholder.
- Student Travel Insurance – This plan is beneficial for those who dream of pursuing their studies in a foreign university. This is for students in the age bracket of 16-40 years. Indian students who are already abroad also qualify for this plan.
- Senior Citizen Travel Insurance – Elderly persons up to 85 years can opt for this plan to secure their trips. They aren’t required to face any medical check-ups to procure this plan.
- Schengen Travel Insurance – Adults who are 70 years old (maximum) and infanta over 90 days can be added to this plan to avail the travel benefits. This is mainly used for business or tourism purposes.
Destinations that You Should Travel to with Domestic Travel Insurance Only
Travelers plan their trips given their preference to a particular season. Hence, travel destinations for monsoon season may vary from those chosen for the winter season. As the festive season gears up and vacations are announced in most of the schools and colleges, we’ve compiled a list of a few amazing travel destinations that you can explore this season. Don’t forget to buy travel insurance online before you finalize your trip!
Darjeeling: Surrounded by the alluring Himalayas, Darjeeling is a sure shot treat for your eyes – with emerald green lands and the sun rising through the clouds and between the hills. We bet the natural aura of misty Darjeeling will rejuvenate your mind and soul. However, exploring this place with an adequate domestic travel insurance plan provides security during your trip and you can remain stress-free if any misfortune occurs.
Ladakh: Famous as the cold desert of India, this place is one of the most popular places to explore. However, the best time to visit this place is during monsoon season or summer. You will be mesmerized by its heaven-like beauty, majestic mountains of multani mitti, luminous lakes with crystal clear water, and snow-covered potent mountains. If you are planning to visit this place during the holiday season or beyond, we suggest purchasing domestic travel insurance, as this place becomes hazardous during the winter. Roads are, most of the time, closed due to heavy snowfall, and you cannot predict an unplanned expense during your visit. It’s best to prepare for it and take appropriate safety measures!
Goa: Goa is always a center of attraction for its amazing beaches, Westernized culture, and mesmerizing seafood – it rightfully lures travelers from every corner of the globe. This land of beaches is surely worth a visit, where you can experience thrilling water sports at Baga beach, trekking or hiking at the famous Dudhsagar waterfall, get familiar with the scintillating view of Aguada fort, enjoy nighttime beauty of the sea on a local cruise, or feel like a millionaire at the casino. This place makes you feel like you’re on top of the world, and you won’t want to miss a single minute of it.
Of course, with the good comes the bad, and if you fall ill or are injured during the trip, this may spoil the entire experience – and you may end up spending a huge amount of money out-of-pocket due to medical bills. Again, cruise ship mishaps may lead to huge monetary drains if you are traveling without domestic travel insurance. You are responsible to bear all medical expenses that arise.
Wrapping it Up!
This list is not a fully comprehensive one, and there are so many astounding places in India to explore. Before diving headfirst into the natural beauty and adventurous activities, however, make sure to acquire an adequate domestic travel insurance plan to make sure your trip ends with only happy memories.