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Insure every domestic trip, for a whole year.

Auto claim settlement for flight delays

No customer initiation required — we track your flight and credit the benefit directly to your account.

Flight delay?

Auto-paid to you

Missed flight?

Train delay covered

Baggage lost?

Covered up to ₹5000

domestic-place

Domestic Travel

What is TripSecure+ Domestic Travel Insurance?

India is travelling like never before. From quick weekend getaways in Goa to crucial business summits in Mumbai, our domestic travel landscape is booming. The journeys may have unpredictable moments such as flight cancellations, baggage delays, etc.

That is where we step in. ICICI Lombard’s TripSecure+ domestic travel insurance is designed to keep your focus entirely on your trip. Whether you’re travelling for work or leisure, we protect your plans, your luggage, and even your home while you are away. With our domestic travel insurance, you can get annual protection for trips across India under one single policy, so you don’t have to buy a new policy every time you travel, subject to policy terms and conditions of the Policy.

Why ICICI Lombard

Why choose ICICI Lombard TripSecure+ domestic travel insurance?

When travel throws a curveball, you’ve got backup

Going places all year?

This single policy keeps you covered for every trip you take throughout the year subject to policy terms and conditons.

Got only a few minutes?

A few quick clicks, and you're covered! There is no paperwork or physical forms to worry about.

0% GST

With no GST applicable on individual and family travel insurance premiums, you pay only the base premium for your policy.Need us at unexpected time?

Need us at 2 AM?

Travel emergencies do not stick to office hours, so our customer support team is always awake and ready to help.

Had to call off the trip due to unexpected, covered events?

Cancelling your travel plans is disappointing enough—the unexpected costs do not have to be all on you.

Still waiting for your bags?

We will pay to replace permanently lost bags and even give you cash to buy essentials if they are just running late.

Flight delayed?

Skip the stress and the paperwork—enjoy an automatic claim payout if your flight is delayed past your waiting limit.

Looking for cover beyond your flight?

Your protection extends far beyond the air, covering you for transit medical emergencies, baggage issues, and vacant home risks.

Seamless claim process?

Just upload your documents on our IL TakeCare App for processing your claim

COVERAGE THAT TRAVELS WITH YOU

What does TripSecure+ domestic travel insurance cover?

Cover for the ‘what ifs’ of travelling

Enroute personal accident

Get coverage for accident protection during the trip

Because your journey doesn't start at the boarding gate, we provide coverage  for six hours before your flight and six hours after you land also.

Domestic flight delay – Fixed benefit

A little relief when your flight keeps you waiting

Get a fixed payout when your flight is delayed beyond a specified time.

Domestic airline-operated cancellation benefit

When the airline cancels your flight

Get a fixed amount to offset the hassle and rebooking costs if your flight is cancelled by the airline.

Domestic trip cancellation & interruption

When plans must change

Get covered for domestic tip cancellation in case of covered events such as cancellation due to personal contingencies like death etc.

Domestic loss of checked in baggage

When your bag doesn’t make it back

Get a fixed amount to help cover the cost of your belongings if the airline permanently loses your checked-in luggage.

Missed connection

When your bag doesn’t make it back

Get coverage for additional expenses required to proceed with the trip in case you miss a scheduled connecting flight.

Theft/Burglary of home contents

Theft coverage for your home contents while you are away.

If your locked home is burgled while you are away on your trip, we will provide coverage for the actual loss of and/or damage to the Contents of the residence.

Domestic Travel

What’s covered & what’s not

What’s covered

1

Accident & hospitalisation inclusions

  • Accidental death or permanent disability payouts
  • Hospital bills and medicine costs for accidents
  • Outpatient treatment costs for accidental injuries
2

Transit & en-route protection

  • Accident cover while travelling on transit modes
  • Hospitalisation cover for transit accidents
  • Outpatient treatment for en-route accidents
3

Baggage & home contents inclusion

  • Theft or natural disaster cover for personal baggage
  • Home burglary protection while you are away
  • Fixed payout for permanently lost checked-in baggage
  • Fixed allowance if flight baggage is delayed
4

Trip delay & cancellation benefits:

  • Travel expenses if you miss your connecting common carrier
  • Digital airport lounge voucher for delayed flights
  • Fixed benefit for long domestic flight delays
  • Fixed payout if the airline cancels your flight
  • Meet-and-greet airport help for cancelled flights

What’s not covered

1

Medical exclusions

  • Emergency medical treatment and hospitalisation while travelling
  • Compensation for trip cancellation, curtailment and delays
  • Cover for checked-in baggage loss and delay
  • Personal accident cover throughout your journey
  • Cashless claims at a nationwide network of hospitals
2

Behavioural & legal exclusions

  • Anxiety, stress, depression, or venereal disease
  • Suicide, self-injury, or drug/alcohol abuse
  • Criminal acts, law breaches, or riots
  • Fraudulent claims or false declarations
3

Activity-based exclusions

  • Un-declared professional sports or training
  • Adventure sports without an extra premium
4

Travel & duration limits

  • Incidents before your trip starts or after it ends
  • Delay claims initiated voluntarily by passengers
  • Claims below your set policy deductible
5

Other exclusions

  • War, rebellion, mutiny, or foreign invasion
  • Radioactive or nuclear contamination
  • Cash or valuables inside checked-in baggage
  • Home burglary if vacant for over 30 days

Note: These inclusions and exclusions represent standard boundaries under our TripSecure+ multi-trip domestic travel insurance policy. Specific limits, deductibles, or premium waivers may apply. For complete details, please refer to your policy wording.

WHY ICICI LOMABARD

Why domestic travel insurance is essential for Indian travellers

Popular travel routes within India, including Mumbai–Delhi and Bangalore–Mumbai, frequently operate at peak capacity, which may lead to occasional delays or baggage wait times. Weather conditions across regions can also impact flight schedules. In case your travel plans shift or you need alternative arrangements, costs may vary depending on availability.

For travellers who prefer additional reassurance while they are away from home, a domestic travel policy offers coverage for trip bookings, luggage, and unattended home risk in a single policy.

SPOTLIGHT

Flight delayed? Here’s how your benefit works

No one likes watching the departure time move further away. With XYZ domestic travel insurance, a flight delay can qualify for a fixed payout.

  • 01Share your flight details with us
  • 02We track the delay
  • 03Confirm your bank details
  • 04If the delay meets the specified criteria we initiate the claim for you.

Why this matters

Unlike a reimbursement benefit, the specified amount is payable on fulfilment of the policy terms and conditions. So you don’t need to sit and calculate every rupee you spent because of the delay

TWO MINUTES, START TO FINISH

How to buy ICICI Lombard domestic travel insurance online

Getting your trip protected is quick and easy:

  • 01
    Share

    Share your trip details and required information here and get a domestic travel insurance India quote.

  • 02
    Pick

    Pick a suitable coverage that fits your trip.

  • 03
    Pay

    Pay online securely using UPI, cards, or net banking.

  • 04
    Policy

    We will electronically provide the policy document to you.

KNOW THE DIFFERENCE

Domestic vs International Travel Insurance

Feature Domestic Travel Insurance International Travel Insurance
Where it covers Anywhere within India Anywhere outside India
Medical cover Focuses on accident-related injuries in transit Comprehensive cover for sudden illnesses during the trip
Main use case Local flight delays, missed connections, home safety Visa requirements, overseas health troubles, currency loss
Baggage cover Fixed payouts for baggage delayed or lost by airlines Reimburses/pays fixed amount for delayed luggage, lost bags, passports, and travel documents
Feature
Domestic Travel
International Travel

Where it covers

Anywhere within India

Anywhere within India

Medical cover

Focuses on accident-related injuries in transit

Comprehensive cover for sudden illnesses during the trip

Main use case

Local flight delays, missed connections, home safety

Visa requirements, overseas health troubles, currency loss

Baggage cover

Fixed payouts for baggage delayed or lost by airlines

Reimburses/pays fixed amount for delayed luggage, lost bags, passports, and travel documents

Note: The aforesaid is an illustrative list only but not exhaustive. For complete details, you are requested to go through the policy terms, conditions, inclusions, and exclusions.

TRANSPARENT PRICES

What affects your domestic travel insurance premium?

Your travel insurance policy premium may depend on factors such as the coverages and benefits selected, number of travellers, age of travelers, and policy tenure, as applicable to the policy. You can use an online travel insurance premium calculator to get an estimate. You just need to provide basic details including age, number of travellers, travel duration, etc.

TRAVEL SMARTER

Who can buy domestic travel insurance?

Our domestic travel insurance is designed to be accessible to travelers as per the policy terms and conditions:

Taj Mahal

Age limits:

To purchase this policy, the proposer (you) must be 18 years of age or older. You can cover any traveller on your trip aged between 0 and 85 years.

Residency:

Open to all Indian citizens and foreign nationals living in India with a valid visa.

How you travel:

You must have a confirmed booking with a licenced flight, train, bus, or cab operator.

Taj Mahal

KEEP THESE HANDY

Documents required for domestic travel insurance

We ask for KYC documents which include identity and address proof (eg: PAN card, Driving License, Voter Id, Aadhaar card, etc) when you buy your policy.

If you ever need to make a claim, we will just need a few basic details: 

Identity proof

Identity proof

Aadhaar, PAN, voter ID or driving licence for each traveller.

Travel tickets

Travel tickets

Common carrier ticket, boarding pass for the insured trip

Bills & receipts

Bills & receipts

Medical bills and expense receipts required at the time of claim.

Claim form

NEFT details

Bank account number, IFSC code, etc. to be confirmed during claim

SUPPORT WHEN IT COUNTS

How to file a domestic travel insurance claim

If something goes wrong, we want to help you get sorted as quickly as possible:

1

Let us know

Register your claim on our IL TakeCare app.

2

Upload your documents

Snap a photo of your boarding passes, receipts, or reports and upload them on our app.

3

Verify your bank details:

Crosscheck the bank account details where we can send you the claim amount. If a different account needs to be added, update on the app.

4

We verify the details

Our team will quickly check the flight status or receipts.

5

Track your claim

Stay updated on the status of your claim.

6

Get paid

Once approved, we will transfer the money directly into your bank account.

TRANSPARENT PRICES

Claiming for a flight delay?

Where applicable, we’ll use your submitted flight details to check the delay and initiate the claim process or if flight details are not updated, you may intimate the claim along with necessary supporting documents.

TRAVEL SMARTER

Tips for domestic travel in India

A little prep goes a long way

Track your flight

Head to the IL TakeCare app’s Flight Tracker feature, enter your flight details & date, and check your flight status before you head to the airport.

Cross check locks of your Home

Double-check all doors and windows, and make sure your home burglary cover is active before you leave.

Keep digital copies handy

Save your tickets, identification, and insurance policy where they’re easy to access.

Report incidents promptly

If baggage is lost or another covered incident occurs, inform the relevant authority and retain the necessary documentation.

Tag your luggage

Add your name and contact information to checked-in luggage for clear identification. A clear tag can also help stop other passengers from picking it up by mistake.

ALL COVERAGE

Top cities covered across India

Delhi Delhi
Mumbai Mumbai
Bengaluru Bengaluru
Kolkata Kolkata
Chennai Chennai
Hyderabad Hyderabad

Got questions?

Frequently Asked Questions (FAQs)

1

Does domestic travel insurance cover terrorism or civil unrest incidents?

If your trip is disrupted, cancelled, or if you suffer accidental injuries due to an act of terrorism or civil unrest, your policy will cover your medical bills or non-refundable booking losses.
2

Whether medical expenses due to accident are covered during travel within India?

Yes. Your policy specifically covers hospitalization due to an accidental injury while travelling. It also covers outpatient (OPD) clinic visits for the injuries suffered during the travel.
3

Is trip cancellation covered due to illness, weather, or airline issues?

If you must cancel your trip because of severe weather, a covered natural disaster, or sudden hospitalisation of yourself or an immediate family member.
4

Will I get compensation if my flight is delayed?

If your flight is delayed past your chosen limit, we will pay you a fixed benefit or send a digital voucher for airport lounge access to your phone as per the coverage you opted
5

Does the policy cover baggage loss, theft, or baggage delay?

If the airline delays your bags, we pay a fixed allowance for essentials. If they lose your bags permanently, or if your bags are stolen during your trip, we will reimburse you to replace your things as per the Policy terms and conditions.
6

Can I buy domestic travel insurance at the last minute before my trip?

Yes, you can buy the policy online right up until your scheduled departure time. However, to get the full benefit of trip cancellation covers, it is suggested to buy it when you book your tickets.
7

Is adventure sports or trekking covered under domestic travel insurance?

No. Standard domestic travel plans do not cover adventure sports.
8

What documents do I need to submit while filing a claim?

You will typically need your travel tickets, boarding passes, ID proof, and evidence of what happened—such as an airline delay certificate, hospital bills, or a police FIR for home burglary.
9

Does domestic travel insurance cover train or road travel, or is it only for flights?

Our en-route accident and medical covers protect you across all licenced common carriers—including scheduled flights, trains, buses and registered cabs.
Policy Wordings
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Product Product Code UIN Code
TripSecure+ 4233 ICITIOP27060V032627

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