Domestic travel insurance is US travel insurance designed to provide coverage for trips taken within the United States. These include vacations to Disney theme parks, a vacation at the beach, road trips to national parks or monuments, family visits, or business travel within the United States.
Although travel insurance is commonly associated with international trips, domestic travel insurance is important and offers valuable protection for unforeseen events that can occur even when you're traveling within the U.S.
Domestic travel insurance offers financial protection for trips taken within your home country, such as vacations, weekend getaways, or business travel in the United States. While coverage can vary by provider and plan, most domestic travel insurance policies typically include the following:
Domestic travel insurance is ideal for:
You're about to depart for a trip when a sudden storm causes your flight to be cancelled. You lose money on non-refundable expenses like hotel reservations and a rental car- Trip cancellation benefits can reimburse those lost expenses.
Just before your trip, you fall ill and are unable to travel. You've already paid for non-refundable expenses like your hotel, event tickets, and rental car - Trip cancellation coverage helps recover your prepaid costs.
While traveling, you suffer an injury and need urgent medical care. Your health insurance has a high out-of-network deductible, leaving you with unexpected expenses - Emergency medical coverage can help cover those unexpected medical bills.
You arrive at your destination, but your luggage doesn’t. You have important plans and need to purchase clothes and essential items to get through the day - Baggage delay coverage reimburses you for emergency items.
A missed flight connection leaves you stranded overnight, far from home. You need a hotel and meals while waiting for the next flight – travel delay benefits can cover these added expenses and unexpected costs.
Midway through your trip, a traveling companion becomes seriously ill, and you need to cut the trip short and return home early - Trip interruption coverage can reimburse you for the unused portion of your trip and any rebooking expenses.
Trip Cost?
Up to $14,000
Trip Duration?
90 days
Maximum Age insured?
Up to age 85
Coverage type?
Primary
Trip Cost?
Up to $20,000
Maximum Age insured?
Up to age 99
Trip Duration?
90 days
Coverage type?
Primary
The cheapest domestic trip cancellation insurance plan within the USA is Pathway domestic insurance. Other affordable domestic travel insurance options include Pathway Essential, and Trip Protection Basic. These plans offer essential coverage at low cost, making them ideal for U.S. residents seeking budget-friendly protection for travel within the country.
The best domestic travel insurance plan for U.S. residents is iTravelInsured Travel LX. Other top-rated options include Pathway Premium and Trip Protection Choice. These plans provide comprehensive coverage, including higher trip limits, robust emergency medical benefits, optional Cancel for Any Reason (CFAR), and additional travel protections. Ideal for travelers seeking maximum coverage and peace of mind within the USA.
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.
| Plan Name | Trip cancellation | Age 20 | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|---|
| Pathway Domestic | 100% of Trip Cost (Up to a Max. of $14,000) | $19 | $25 | $42 | $59 |
| Safe Travels Protect | 100% of Trip Cost (Up to a Max. of $14,000) | $24 | $32 | $39 | $74 |
| Pathway Plus | 100% of Trip Cost (Up to a Max. of $50,000) | $32 | $43 | $70 | $98 |
| Trip Protection Basic | 100% of your nonrefundable Trip Cost up to $30,000 | $34 | $47 | $70 | $70 |
| Itravelinsured Choice | 100% of Trip Cost | $39 | $50 | $73 | $110 |
| Pathway Premium | 100% of Trip Cost (Up to a Max. of $100,000) | $43 | $56 | $90 | $126 |
| Trip Protector Economy | 100% of Trip Cost(Up to a Max. of $5,000) | $47 | $55 | $71 | $75 |
| Safe Travels Voyager | 100% of Trip Cost (Up to a Max. of $100,000) | $62 | $76 | $102 | $189 |
| Trip Protection Choice | 100% of your nonrefundable Trip Cost up to $100,000 | $65 | $87 | $118 | $118 |
| Itravelinsured LX | 100% of Trip Cost | $102 | $114 | $138 | $171 |
Source: American Visitor Insurance®
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It’s best to purchase domestic travel insurance soon after making your first trip payment—like booking a flight, hotel, or tour. Buying early ensures you get the most benefits, such as
The earlier you buy, the more peace of mind and protection you have before and during your trip.
Yes, even for short trips, unexpected events like illness, weather-related delays, or lost luggage can disrupt your plans. Domestic travel insurance helps you recover costs and reduces stress during such situations.
It generally includes coverage for:
Not always. Some plans may have high out-of-network deductibles or limited coverage in other states. Domestic travel insurance can help fill those gaps and cover emergency expenses while you're away from home.
Buy it soon after your first trip booking (like your flight or hotel). This gives you access to the most benefits, such as coverage for pre-existing conditions or the Cancel For Any Reason (CFAR) upgrade.
Yes, many plans offer a waiver for pre-existing conditions but only if you buy the insurance within a specific window (usually 10–21 days) after your initial trip payment and meet other conditions like being medically stable.
Domestic travel insurance at American Visitor Insurance starts as low as $19 for a 15-day trip. This makes it a highly affordable option for protecting your travel plans within the U.S.
The actual cost depends on several factors, including the total trip cost, duration, age of the traveler(s), and the level of coverage selected whether basic or comprehensive. Even for inexpensive domestic trips, having insurance can be well worth it, as it protects against unexpected cancellations, medical emergencies, or travel delays that could otherwise lead to significant out-of-pocket expenses.
You can compare and purchase domestic travel insurance online at American Visitor Insurance a trusted platform offering top-rated plans from leading providers.
Absolutely. Domestic travel insurance works for all types of trips whether it’s a road trip, weekend getaway, city break, beach vacation, or even business travel as long as it’s within your home country and includes non-refundable expenses. It’s a smart way to protect your travel investment, even on shorter trips.
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