Every booking site pushes travel insurance. But do you actually need it for a ₹4,000 domestic flight? Here's the honest answer.
What Travel Insurance Covers
When to BUY Insurance
✅ Buy When
- Expensive ticket (over ₹10,000)
- Non-refundable booking
- Traveling with expensive luggage
- Pre-existing health conditions
- Monsoon season (higher delay risk)
When to SKIP Insurance
❌ Skip When
- Cheap ticket (under ₹5,000) — insurance cost vs ticket cost ratio is bad
- Already have a credit card with travel insurance benefit
- Short 1-2 hour domestic flight
- You have health insurance that covers emergencies nationwide
Cost of Travel Insurance
- Basic plan: ₹99-₹199 per trip (covers cancellation + delay)
- Comprehensive: ₹299-₹599 per trip (adds medical + baggage)
- Annual multi-trip: ₹1,500-₹3,000 per year (best for frequent flyers)
Book with Optional Insurance
Search Flights — Add insurance at checkout, no obligation.
Related: Baggage Rules | Lost Luggage Guide