When traveling domestically, it’s common to think that travel insurance is unnecessary. But is that really true? Domestic trips can be cancelled, and bags and can get lost or delayed just as easily when flying to New York as they can when flying to London or Dubai. Domestic travel insurance is an inexpensive way to protect yourself when things don’t go as planned. Think of it as cheap peace of mind that can pay dividends when you need it.
Why You Need Domestic Travel Insurance?
You need domestic travel insurance (or annual domestic travel insurance) for the same reasons you need international travel insurance. Planning a trip means paying in advance for a lot of nonrefundable things like airline tickets, hotel rooms, event tickets, etc. If you’re forced to cancel your trip for a covered reason, travel insurance may be the only way to get your money back. But domestic trip insurance can cover a lot more than that.
What Does Domestic Travel Insurance Cover?
- Trip Cancellation – If you have to cancel your trip for a covered reason, the best domestic travel insurance can reimburse you for your prepaid, nonrefundable expenses like airfare, hotel rooms, theme park tickets, etc.
- Trip Interruption – If you’re forced to cut your trip short due to a covered emergency at home, domestic trip insurance offers trip interruption coverage. It can pay for transportation and other costs so you can get back home as soon as possible.
- Emergency Medical Care – If your domestic trip takes you to a place outside of your health insurance network, the emergency medical coverage offered by travel insurance can be your saving grace. It can also function as secondary medical insurance to help you save money on treatment.
- Lost or Delayed Baggage – Most airlines make you jump through all kinds of hoops to get reimbursed due to a luggage issue. Travel insurance can help by promptly reimbursing you for any additional covered costs you incur due to a lost or delayed checked bag.
- Travel Delay – A delayed flight can be a real hassle. Even more so when it causes you to miss an event you’ve already paid for or requires you to spend extra money you weren’t planning on. In these cases, travel insurance can cover you.
- Cancelling for Any Reason – If you want the flexibility to cancel your trip for a reason not covered by standard travel insurance, cancel for any reason (CFAR) coverage can help. It can reimburse you a percentage of your prepaid, nonrefundable costs even if you simply decide not to travel.
How Much Does Domestic Travel Insurance Cost?
Though the exact cost of domestic travel insurance will vary depending on your trip, plan on spending an average for 4% to 6% of your total trip cost on insurance. For most people, this ends up being around $200. However, when you consider the fact that a travel insurance plan could save you thousands, it’s well worth the extra expense.
Are Flight Insurance and Domestic Travel Insurance the Same?
No, flight insurance is not the same as domestic travel insurance. A flight insurance plan is a basic form of life insurance that can provide financial compensation to the listed beneficiary in the event that the insured is killed or injured on a scheduled airline flight. This is much different than the variety of benefits offered by travel insurance.
Do I Need Trip Insurance for a Domestic Flight?
Yes, you should definitely purchase trip insurance for a domestic flight. Without domestic travel insurance, you could be at risk of losing a lot of money if your trip must be cancelled, delayed, or interrupted. It only makes sense to be on the safe side. Get your free quotes for travel insurance today!
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