Best domestic travel insurance USA

Domestic travel in the U.S. has seen a sharp rise in disruptions because of severe weather, air traffic control shortages, and aging infrastructure leading to flight delays, trip cancellations, lost baggage.. affecting the travel plans. These uncertainties have led to a surge in demand for domestic travel insurance in USA, as more travelers seek protection for:

• Trip cancellations or interruptions
• Non-refundable bookings
• Baggage delays or loss
• Unexpected medical emergencies during travel

With U.S. trip costs rising and weather related events (like wildfires, hurricanes, and snowstorms) becoming more frequent, travelers are increasingly turning to affordable domestic travel insurance for peace of mind - even for short weekend getaways.

Domestic travel insurance in the USA offers protection for unexpected disruptions during trips within the United States. Whether you’re flying, driving, or taking a train, US Domestic travel insurance helps safeguard your travel investment expenses and health.

• Trip Cancellation: Get reimbursed for prepaid, non-refundable expenses if you cancel for a covered reason like:
  • Illness or injury (yours or a family member's)
  • Severe weather (hurricane, snowstorm, wildfire)
  • Jury duty, job loss, or death in the family
• Trip interruption: Covers return travel and unused trip expenses if you need to cut your trip short due to an emergency.
• Travel delay: Pays for meals, lodging, and transport if your trip is delayed due to Airline issues, Weather delays and Missed connections.
• Baggage Delay or Loss:
  • Baggage Delay: Covers essential items like clothing and toiletries if your bag arrives late.
  • Baggage Loss: Reimburses you if your luggage is lost, stolen, or damaged.
• Emergency medical expenses: Pays for unexpected medical care during your trip, especially if you're out-of-network or traveling to a different state.
• Emergency medical evacuation: Covers transport to the nearest appropriate medical facility in a serious emergency.
• Optional add-ons (upgrade coverage): Additional coverage for Cancel for Any Reason (CFAR), Rental car damage protection, Adventure sports coverage.

• Cancel for any reason (CFAR) upgrade: This is an optional, more expensive add-on that offers the most flexibility. It allows you to cancel your trip for any reason not covered by the standard policy and receive a partial reimbursement (typically 50% to 75%) of your non-refundable costs. CFAR benefit usually has strict eligibility requirements (e.g., must be purchased within 10-21 days of your initial trip deposit, must insure 100% of your prepaid non-refundable costs).
• Covered trip costs: Only include non-refundable, prepaid expenses that you would lose if you cancelled. This can include airfare, hotel stays, rental cars, cruise costs, tour packages, and event tickets.
• Purchase timing: It's highly recommended to buy domestic US travel insurance as soon as you make your first non-refundable payment for your trip (e.g., flight booking, hotel deposit). This ensures maximum coverage, including eligibility for pre-existing condition waivers and CFAR at an affordable rate.

Domestic travel insurance in the USA starts at $19 for a 15 day trip with a $1,000 trip cost. The travel insurance cost is based on the age, trip length and the trip cost.

You can compare popular U.S. domestic travel insurance providers and buy online through American Visitor Insurance.