What Domestic Travel Insurance Covers
Domestic travel insurance within India generally covers trip cancellation, baggage loss and sometimes accident cover during the trip, but medical coverage is often more limited since you're still within the country's healthcare system. It's a lighter, lower-cost option suited to short domestic holidays where the main risks are cancellations or lost luggage rather than major medical expenses abroad.
Why International Cover Works Differently
International travel insurance is built around the risk of medical emergencies abroad, where treatment costs can be very high and not covered by your regular health insurance back home. Beyond medical cover, it typically includes trip cancellation, baggage loss and sometimes emergency evacuation. For international trips, especially to countries with expensive healthcare, this cover isn't really optional, it's a practical safeguard.
- Domestic insurance focuses more on cancellation and baggage cover
- International insurance includes cover for overseas medical emergencies
- Check the medical coverage limit before choosing a policy
- Some countries require proof of travel insurance for visa approval
- Compare policies based on your destination's healthcare costs