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International travel insurance has been getting its due recognition as a brilliant fallback option when you’re faced with inconveniences during your trips abroad. However, not many people are aware of the importance of domestic travel insurance plans. Traveling within the borders of your own country is not as daunting as going to a new country for your exploration, agreed. However, the role of travel insurance remains the same, considering the uncertain nature and probability of accidents on the go. Whether within the bounds of the UAE or outside them, you, as a traveler are equally likely to encounter an unpleasant situation while traveling. This piece will cover all the important details that you must know to find the best domestic trip insurance plan for your trip.
Essentially, it’s a type of travel insurance plan that covers domestic travels within the country. Domestic travel insurance plans can only be used for trips that are taken within the political and geographical borders of the UAE. Domestic trip insurance plans provide the same kind of coverage that international travel insurance plans do, from medical benefits to trip inconvenience benefits. Similar categories, classifications, and types of travel insurance as that of international travel insurance can be found in domestic trip insurance.
Travel insurance is often laden with general misconceptions that prevent people from making the most of it. While people are becoming aware of the importance of international travel insurance plans now, domestic travel insurance is still regarded a non-essential. Let’s bust some of the most common myths about domestic travel insurance policies, starting with:
One of the most common misconceptions related to domestic travel insurance is related to flight duration. Many people believe that insurance is only required when you are flying for at least a few hours at a stretch. However, let’s not ignore the fact that mishaps are a matter of only a split second. Travelling for short distances does not miraculously eliminate the chances of mishaps. Missed or cancelled flights, lost luggage or delayed luggage, medical emergencies, etc. are some of the many potential troubles you may face during a domestic flight. That is why it is important to have a domestic travel insurance plan even when you’re flying for short distances.
That’s a myth. Domestic travel insurance plans are one of the most affordable types of insurance plans. They’re cost effective and budget-friendly as well. We, at Policybazaar UAE offer a range of brilliant domestic insurance plans start at just AED 24. These plans cover all the basic benefits that you would need on your domestic trip within the emirates. Additionally, domestic travel insurance plans can be customised as per your requirements with nominal changes in the premium amount.
The days of going through cumbersome paperwork, paying hefty middlemen fees, and spending days flipping through insurance plan pamphlets are long gone for good. Buying insurance may have been complicated earlier, but with onset of online platforms, buying insurance is as easy as ordering food online. Almost all top travel insurance providers in the UAE have gone digital now which means you can buy domestic travel insurance from the comfort of your home or on the go. You can shop with Policybazaar UAE to further simplify this process. You can compare, select and buy your domestic travel insurance plan using a single, universal insurance platform at Policybazaar UAE.
Claim settlement is the end game of having a travel insurance plan. Claim settlement is generally high in case of legitimate claims that are coupled with the right paperwork. Just make sure that your claim documents are duly filled and all the supporting documents are present. Do not rely on your insurance agent blindly to get you the settlement. Take the matter into your hands and file the claim correctly to get your dues.
Given below are the top providers of domestic travel insurance plans in the UAE with a list of domestic travels plans offered by them:
|Plan Name||Medical Cover||Max Duration||Starting from||Price|
|Alliance Insurance||AED 150,000||90 days/trip||AED 33|
|Orient Insurance||AED 150,000||92 days/trip||AED 183|
|See More Plans >>|
There can be two basic classifications of domestic travel insurance plans – single-trip and annual multi-trip plans. Both these types can be bought as individual, family or senior citizen travel insurance plans, as per the need of the hour. Let’s learn about them in a bit more detail:
The basic inclusions and benefits of domestic trip insurance can be divided into two parts – trip benefits and medical benefits. Given below is a complete breakdown of the same:
Any UAE resident or citizen older than 18 years of age is eligible to buy a domestic trip insurance plan in the UAE. The upper age limit of buying travel insurance can range between 65-75 years, as per the unique policies of each insurance provider. One must have all the required documents to prove their citizenship or residency when buying travel insurance. This includes a passport, resident’s visa, an emirate’s ID. Plans made for senior citizens can be bought by folks older than 65 years. Again, the upper age limit can differ as per the providers. For children, you can include a child as young as 30 days in a family insurance plan.
|Travel Insurance by Age Group|
|Travel Insurance for over 65||Travel Insurance for over 70||Travel Insurance for over 75|
There are two simple ways to buy domestic travel insurance plans in the UAE – online and offline. You can buy your domestic travel insurance online from either a provider website or right here. Simply go to the domestic insurance purchase portal and choose your provider. Obtain a few quotes as per the benefit you need. Compare the quotes and the benefits offered in the plans. Finalize one plan and proceed with the buying formalities. You can also visit the provider's website and buy your domestic travel insurance online. The offline purchasing procedure mainly depends on the brokers and representatives of the insurance company you choose. Visit one of the branches of your insurance providers and apply for the insurance plan you want to buy. You will be assigned an agent who will take care of the insurance process further.
A domestic travel insurance policy is essential to ensure that you will be ideally protected against most potential mishaps and emergencies during your journey to other emirates. These plans cover all kinds of flight and luggage-related emergencies, medical emergencies as well as personal liabilities.
Your coverage begins from the moment your trip begins. If your domestic travel insurance plan includes benefits like trip cancellation, the coverage will begin from the moment you buy the plan. If your trip happens to get cancelled due to an unforeseen reason, the plan will cover charges for pre-bookings that cannot be cancelled now.
The maximum number of trip days covered by single-trip domestic travel insurance plans can differ for each provider. However, the limit may range between 90 to 120 days for most domestic travel insurance providers in the UAE.
No, domestic travel insurance policies do not cover pre-existing diseases as a basic benefit of the plans.
Immediately contact your insurance provider and for the nearest network hospital. Have someone arranged to take you to the hospital immediately for starting the required treatment.
Accidental, theft, personal liability and any kind of lost item claims would require you to submit an official police report for settlement.
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