For many travelers, purchasing domestic travel insurance for a national vacation or business trip is not something that is even considered. But if you have to cancel your trip last minute or if your luggage becomes lost or stolen, will you have enough money to cover the additional fees or cost to replace items that are important to you?

Coverage

Domestic travel insurance is an insurance policy that covers a variety of incidents and emergencies that can occur while traveling in your country of origin. Each policy is different, so it is essential to check the policy wording to check exactly what coverage is included. Many policies, however, will include cover a combination of the following:

• Fees for trip cancellation
• Lost or stolen luggage
• Transportation of body in case of death
• Rental vehicle excess cover

Though domestic travel insurance usually doesn’t cover medical and hospital costs, there are a range of other benefits that make it worth considering. Subject to the policy wording, insurance may save a domestic traveler a significant amount of money in the event that their personal possessions are lost or stolen, or in the event it becomes necessary to cancel a trip.

Buying Coverage

Travelers can purchase domestic travel insurance when traveling within their country of origin from travel agencies, cruise lines, insurance companies or through their employer’s provider. Travelers can choose between coverage that lasts for one trip or they can take out an annual policy that will cover them for a certain amount of time regardless of the amount of domestic travel made.

To find an appropriate policy, carry out some research online or contact a customer service representative for rates and a list of items that will be covered by the policy. Depending on your age, health status and how frequently you plan to travel, different types of policies may be offered to suit your needs. Travel insurance for domestic trips tends to be cheaper than international coverage, and it is generally also possible to find competitive discounts online.

While International Travel Insurance companies may vary in what they include in their policies, domestic travel insurance can save you money and reduce stress while traveling. Having peace of mind while traveling – regardless of whether traveling domestically or internationally – is the greatest benefit to having travel insurance. Because you can’t predict the future, being as prepared as possible even when traveling a few hours away from home could help you overcome emergencies, costs and inconvenience.