australian domestic travel insurance quote

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Domestic Travel Insurance

What's covered
Why choose us

Additional options

What is allianz domestic travel insurance.

Allianz Domestic Travel Insurance offers cover for a single trip within Australia. It’s designed to cover personal liability, luggage, unexpected trip cancellation, and more. 1 It’s also designed to provide cover for the insurance excess on your rental vehicle if you’re in an accident. 1

Plus, for an additional premium, you might be eligible to add Snow, Cruise and Adventure Packs, increase item limits, and apply for pre-existing medical condition cover. 1 See the Product Disclosure Statement (PDS) for all terms, conditions, exclusions, limits and applicable sub-limits that may apply.

What our Domestic Travel Insurance offers

Benefits we offer
What’s not offered
Optional extras
Accidental Death 1 If, during the period of cover for your journey:
a) you’re injured, and due to that injury you die within 12 months of it occurring; or
b) something you’re travelling on or in disappears, sinks or crashes and your body is not found within 12 months and you’re presumed dead;

we’ll pay the benefit limit payable under the Accidental Death benefit to your estate.

Personal Liability 1,3 If you become legally liable to pay compensation for death or bodily injury to someone else – or physical loss or damage to someone else’s property – as a result of an accident that happens during your journey, we’ll cover you for:
The compensation (including legal costs) awarded against you
Any reasonable legal costs incurred by you for settling or defending a claim made against you, providing you have approval in writing from Allianz Global Assistance before incurring these costs
Luggage, Personal Effects & Valuables 1 Cover is provided for your luggage and personal effects or valuables if, during the period of cover for your journey, they’re stolen, accidentally damaged or permanently lost. See Luggage, Personal Effects & Valuables in the PDS for the exceptions to this cover.
Luggage & Personal Effects Delay Expenses 1 If you need to buy essential items of clothing or other personal items because items of your luggage and personal effects are delayed, misdirected or misplaced by the carrier for more than 10 consecutive hours during the period of cover, we’ll reimburse you for the reasonable expenses you incur.
Cancellation 1 If during the period of cover, your journey is cancelled, rescheduled or shortened because of circumstances that weren’t expected or intended by you and are outside your control, we’ll reimburse you:
The non-refundable portion of unused travel and accommodation arrangements for your journey, that you’ve paid for before cancellation and can’t recover in any other way.
For the value of frequent flyer points, air miles, loyalty card points, redeemable vouchers or similar schemes lost as a result of cancelling the related services, but only if you can’t recover your loss in any other way.

You can choose different levels of cover when you buy your policy.

Additional Expenses 1 We’ll reimburse reasonable additional accommodation and travel expenses if you or your travel companion can’t continue your journey or your journey is otherwise disrupted due to any of the events described under the Additional Expenses section in the PDS.
Travel Delay Expenses 1 If circumstances outside your control result in an unexpected delay to your journey of at least six consecutive hours during the period of cover, we’ll reimburse your reasonable additional meals and accommodation expenses 1 .
Theft of Cash 1 If cash, banknotes, currency notes, postal orders or money orders are stolen from your person during the period of cover for your journey, we’ll reimburse you up to the amount shown in the Table of Benefits in the PDS.
Rental Vehicle Excess 1 If your rental vehicle is involved in an accident while it’s being driven by you and you're the nominated driver, or it’s damaged or stolen while in your custody, we’ll pay you the lesser of (up to your benefit limit) 1 :
the amount specified that you’re liable to pay under the rental vehicle agreement, or
the property damage for which you’re liable.

If you’re diagnosed by the treating medical adviser as unfit to return your rental vehicle to the nearest depot, we’ll pay the cost of returning the vehicle (up to the applicable benefit limit). Note: This cover only applies if:

you hire a rental vehicle from a rental company or agency;
you’re a nominated driver on the rental vehicle agreement; and
the rental vehicle agreement specifies a maximum amount that you must pay if the rental vehicle is damaged or stolen.
1.1 Overseas Emergency Assistance
1.2 Overseas Medical & Hospital Expenses
1.3 Funeral Expenses
1.5 Permanent Disability
3.3 Alternative Transport Expenses
4.3 Travel Documents, Transaction Cards & Travellers Cheques
Adventure Pack 1,3 This optional pack is designed to cover a range of more adventurous sports and activities not automatically covered in your policy. For a list of what sports and activities are covered, refer to the activities listed in the PDS. You must be under 75 years at the time of issue of your Certificate of Insurance to buy this optional pack.
Snow Pack 1,3,4,5 If you’re heading to the snow, this pack is designed to provide cover for you to take part in snow sport activities. Refer to the PDS for a definition of ‘Snow sport activities’ (Our Definitions) and full details of what the Snow Pack covers. You must be under 75 years at the time of issue of your Certificate of Insurance to buy this optional pack.
Own Snow Sport Equipment if your snow sport equipment is stolen, accidently damaged, lost or delayed
Snow Sport Equipment Hire
Snow Sport Pack – to cover non-refundable unused pre-booked and pre-paid ski passes, ski hire, tuition fees or lift passes if you’re injured or become sick during your trip
Piste Closure
Bad Weather and Avalanche
Cruise Pack 1,4,5 This optional pack is designed to provide cover for you to participate in sea and ocean cruising. Refer to the PDS for a definition of ‘ Cruise or Cruising ’ and full details of what the Cruise Pack covers.
Medical cover while cruising
Evacuation cover – Ship to Shore
Cabin Confinement
Pre-paid Shore Excursion Cancellations
Formal Cruise Attire Lost or Damaged
Formal Attire Delayed
Marine Rescue Diversion
Increased Items Limits cover 1,6 You can choose a higher item limit for the loss or theft of, or accidental damage to, your luggage and personal effects by buying Increased Items Limits cover, additional to the plan type you choose. You can view the standard items limits cover for luggage and personal effects in the PDS. If you're planning on taking higher value items with you, such as camera equipment, you may want to consider covering them for a higher value.

Why choose us?

Thousands of satisfied customers, network of medical experts, emergency assistance available, we’re an established insurer.

For an additional premium, you may be eligible to add one or more of the following optional covers to provide additional cover for certain activities. For full terms, conditions, limits and exclusions read the PDS.

Snow Pack and Adventure Pack are only available for those aged under 75 at the time of issue of your Certificate of Insurance.

Adventure Pack 3,5

Cover for 19 more adventurous activities

Snow Pack 3,4,5

Lost, accidentally damaged or stolen snow sport equipment
Cover for piste closure
Bad weather and avalanche cover

Cruise Pack 4,5

Cancellation cover for pre-paid shore excursions

Increased item limits 1,6

Ready to get started, frequently asked questions.

You may wish to consider Allianz Domestic Travel Insurance for travel within Australia if luggage and personal effects coverage and cancellation coverage are important to you, even when travelling domestically.

Allianz Domestic Travel Insurance includes cover for certain events out of your control such as cancellations and delays caused by inclement weather, which require you to seek alternative flights and/or accommodation. It also includes cover for lost or damaged luggage and personal items you take with you on your trip.

Make sure you read the Product Disclosure Statement (PDS) to see all terms, conditions, exclusions, limits and applicable sub-limits that may apply. As with any financial product, you need to consider your own objectives, financial situation and needs before you buy.

Our Domestic Travel Insurance includes cover for trip cancellation if you or your travel companion are positively diagnosed with COVID-19 2 .

You may also receive a full or partial premium refund if you can’t travel because of unexpected border closures or mandatory quarantine periods due to of COVID-19. Find out more about our COVID-19 benefits and what we offer.

If your trip will consist of snow activities, ocean cruising or adventure activities you may want to consider buying a Snow, Cruise or Adventure Pack 1 .

For an additional premium, these packs will cover additional activities that are not automatically included in our policies.

You must be aged under 75 years at the time the Certificate of Insurance is issued in order to buy the Snow Pack and the Adventure Pack. You won’t have cover under Personal Liability benefit for any claims arising from, or in any way connected with your participation in any of the activities listed as covered adventure activities in the Adventure Pack or your participation in snow sport activities.

Our Snow Pack is designed to cover in certain circumstances, for your snow sport equipment and cost of re-hire as well as coverage for piste closure, bad weather and avalanche closure. This cover is subject to conditions, terms, limits and exclusions which are outlined in the PDS.

The Cruise Pack is designed to cover, subject to the terms of the policy, medical and hospital expenses if you’re injured or become sick on a cruise, ship to shore evacuation if required for emergency medical treatment, plus cover for cabin confinement, pre-paid shore excursion cancellation, marine rescue diversion, and formal attire that has been damaged, lost, stolen or delayed 4 .

Allianz Domestic Travel Insurance automatically includes cover for a wide range of activities such as golf or snorkelling. You can also buy an Adventure Pack if you’re planning on participating in adventure activities such as motorbike riding 1 , moped riding 1 , abseiling, deep sea fishing or zip lining. For full lists of the automatically included activities and the adventure activities covered by the Adventure Pack, see the PDS .

Allianz Domestic Travel Insurance plans are available for travellers of all ages, including senior citizens.

However, some of the additional packs available to buy have age restrictions. You must be aged under 75 years at the time the Certificate of Insurance is issued in order to buy the Snow Pack and the Adventure Pack.

The cost of Domestic Travel Insurance varies. You can get your quote online or over the phone to find out the cost of a Domestic Travel Insurance policy for your trip.

What may influence the cost of your policy are factors such as your age, if there are others listed on your policy like a spouse, partner or dependants, if you buy any additional options such as our Snow, Adventure and Cruise Packs, and any pre-existing medical conditions.

See the “Your Insurance Premium” section of the PDS for a list of factors taken into consideration when calculating your insurance premium.

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Domestic Travel Insurance

Travel insurance isn’t just for going overseas, protect yourself at home too

You could save on your travel insurance

You could save up to 5% on a new travel policy if you already have insurance with us 1 .

Choose the cover that’s right for you

Choose between our Domestic Cancellation, Comprehensive and Annual Multi-Trip Travel Insurance plans to make sure you get the cover you need.

Domestic Comprehensive plan

Here’s a summary of our Domestic Comprehensive cover

Cancellation

If your trip is cancelled or rescheduled unexpectedly, you can claim some travel and accommodation costs.

Rental vehicle excess

We'll help cover the insurance excess on your rental if it gets damaged or stolen, when you choose Comprehensive (up to $10,000).

COVID-19 protection

Protect your travel plans against the impacts of COVID-19 (limits and conditions apply).

24-hour emergency hotline

Speak to our expert, multilingual team at any time, from anywhere in the world.

Luggage and personal items

Lost, stolen or damaged luggage and belongings are covered, including travel documents and credit cards when you choose Comprehensive (up to $8,000).

Legal liability

We'll cover your legal and settlement costs in some situations if you accidentally injure someone or damage their property.

Domestic Comprehensive optional extras

Add these when you get a quote for Domestic Comprehensive

Skiing and winter sports

Add cover for things like damaged ski equipment, or approved hospital and medical expenses if you're injured on the slopes.

Cruise cover

Add cover for certain unforeseen cancellations, as well as approved medical and evacuation costs if you get sick or injured.

Valuable items

Add extra cover for special items like your watch, jewellery or camera.

Motorcycle and moped cover

Add cover if you plan on riding or being a passenger on a motorcycle or moped.

Domestic Cancellation plan

You can select the amount of cancellation cover that suits you.

Annual multi-trip

Take as many trips in a year as you want, all on the one policy. All our annual multi-trip plans are Comprehensive, giving you our highest level travel insurance.

You can select cover for up to 15 or 30 days per trip. That way, you can travel as often as you like throughout the year (up to your chosen limit).

To be covered by an annual multi-trip plan, your destination must be over 250km from your home. Or, if your destination is less than 250km from your home, your trip must include at least one night of paid accommodation (like in a hotel or Airbnb).

Not included

There are some things we don’t cover

Medical expenses

We don't cover medical, hospital or dental costs in Australia.

Known events

We don't cover incidents due to things you should know about, like a pandemic, or if you travel against warnings or official advice.

Policy booklets

For full details including limits, conditions and exclusions, read these policy documents

Heading overseas? Get cover for your trip before you set off.

With over 90 years’ experience, we know how to protect the things you care about.

We’re here to give you the emergency assistance you need, 24 hours a day, 7 days a week

You could save up to 5% on a new policy if you already have insurance with us 1

Just need domestic travel insurance that covers cancellation only?

Have a Domestic Travel Insurance question? We can help

Does my travel insurance cover covid-19 claims.

To see if your situation will be covered, read the Product Disclosure Statement (PDS) .

What’s a travel excess and how much is it?

An excess is an amount you may need to pay towards a claim. Different levels of excesses may apply, depending on the policy you choose.

For full details, read the Product Disclosure Statement (PDS) .

How long do I have to make a travel claim?

Most claims can be made at any time, but sometimes you'll need our approval before you incur certain costs. Generally, you should make a claim as soon as possible, but if you're unsure, get in touch with us.

Find out how to make a claim

Will I be covered for cancelling my trip?

All our travel policies include cover for cancellation or rescheduling under certain circumstances. The level of cover depends on the amount you select.

To check what's covered with your policy, read the PDS .

Are children covered when they’re travelling with me?

Children are included in the sum insured of their parent, grandparent or legal guardian's policy if they're:

Under the age of 21
Identified on your policy document
Travelling with you.

When travelling without a parent, grandparent or legal guardian, children need a separate insurance policy. This policy needs to be purchased by a parent, grandparent or legal guardian.

Can I get domestic cover for cancellation only?

Yes, if you don't need cover for things like luggage and legal liability when travelling in Australia, you can choose our Cancellation Only Plan when you get a quote .

Things you should know

The existing customer discount is only available for existing NRMA Insurance customers. We may withdraw this offer at any time.

NRMA Travel Insurance issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507), arranged and administered by Cover-More Insurance Services Pty Ltd ABN 95003 114 145, AFSL 241713 and promoted and distributed by Insurance Australia Limited ABN 11 000 016 722, AFS Licence No. 227681 trading as NRMA Insurance as well as by its authorised distributors. Limits, sub-limits, exclusions, terms and conditions (including eligibility criteria) apply. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Consider your own needs and the Combined FSG/PDS to decide if this product is right for you. For information on the Target Market and Target Market Determinations visit Target Market Determinations (TMD) . If you decide to purchase NRMA Travel Insurance from NRMA Insurance or its distributors they receive a commission, for more information please refer to NRMA Insurance’s FSG .

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Travel Insurance
Best Domestic Travel Insurance For Australians

The journalists on the editorial team at Forbes Advisor Australia base their research and opinions on objective, independent information-gathering.

When covering investment and personal finance stories, we aim to inform our readers rather than recommend specific financial product or asset classes. While we may highlight certain positives of a financial product or asset class, there is no guarantee that readers will benefit from the product or investment approach and may, in fact, make a loss if they acquire the product or adopt the approach.

To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

Readers of our stories should not act on any recommendation without first taking appropriate steps to verify the information in the stories consulting their independent financial adviser in order to ascertain whether the recommendation (if any) is appropriate, having regard to their investment objectives, financial situation and particular needs. Providing access to our stories should not be construed as investment advice or a solicitation to buy or sell any security or product, or to engage in or refrain from engaging in any transaction by Forbes Advisor Australia. In comparing various financial products and services, we are unable to compare every provider in the market so our rankings do not constitute a comprehensive review of a particular sector. While we do go to great lengths to ensure our ranking criteria matches the concerns of consumers, we cannot guarantee that every relevant feature of a financial product will be reviewed. We make every effort to provide accurate and up-to-date information. However, Forbes Advisor Australia cannot guarantee the accuracy, completeness or timeliness of this website. Forbes Advisor Australia accepts no responsibility to update any person regarding any inaccuracy, omission or change in information in our stories or any other information made available to a person, nor any obligation to furnish the person with any further information.

Our Pick Of The Best Domestic Travel Insurance For Australians

Published: Apr 4, 2024, 9:00am

In Australia, domestic tourism accounts for a large proportion of the total visitor economy and—like many aspects of the economy—was severely affected by the Covid-19 pandemic.

However, in the two years since restrictions ended, spend on domestic travel has ramped up, and is expected to keep growing over the next four years, according to Tourism Research Australia (TRA)’s report, Tourism Forecasts for Australia 2023 to 2028 .

The report shows that a large proportion of Australians were quick to embrace domestic travel in 2022—the first year that domestic travel became possible for many of us, while certain international destinations remained out of reach. This demand has eased somewhat, but the TRA is positive in its outlook for domestic tourism.

As the report stated: “…The noticeable slowdown in domestic leisure travel in 2023 has led to a reassessment of the factors that had boosted demand in 2022. As a result, the forecast profile for domestic travel demand is generally softer than that presented last year. Nevertheless, domestic tourism spend (which is already above its pre-pandemic level) is forecast to continue to grow over the forecast period, as are domestic trip numbers.”

If you’re one of the many Australians looking to take a trip across our vast continent, you may want to consider taking out domestic travel insurance.

Many Australians don’t consider domestic travel insurance as a must-have because our medical system, in the form of Medicare or private health insurance, covers us across state borders. But there are other benefits to taking out domestic travel insurance that aren’t medical-related, such as trip cancellations, lost documents and luggage, and theft.

To find what domestic travel insurance would suit you and your trip, Forbes Advisor Australia has compared more than 20 of the most popular domestic travel policies, noting the key features of each. Below is a summary of our pick of the best, why we chose them and the pros and cons of each policy. We also explain how we reached our conclusions in the methodology section below.

Related: Why More Aussies Are Taking Out Domestic Travel Insurance

Note: The below list represents a selection of our top category picks, as chosen by Forbes Advisor Australia’s editors and journalists. The information provided is purely factual and is not intended to imply any recommendation, opinion, or advice about a financial product. Not every product or provider in the marketplace has been reviewed, and the list below is not intended to be exhaustive nor replace your own research or independent financial advice. For more information on how Forbes Advisor ranks and reviews products, including how we identified our top category picks, read the methodology selection below.

Featured Partners

Our Pick Of The Best Domestic Travel Insurance

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Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Cancellations

Unlimited, (Trip Disruption $50,000)

Rental Vehicle Excess

Key Features

25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating

Cover-More Travel Insurance

On Cover-more’s secure website

Medical cover

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance (Comprehensive)

Option of Cruise Cover

Unlimited medical

Yes (some sub limits apply)

Maximum Age Covered

No maximum age limit

Travel Delay Cover?

Up to $2000

$250 for delays six hours or more plus an additional $250 for each additional 24 hours up to a maximum total limit of $500

Allianz is a household name in Australia when it comes to insurance, and its domestic travel insurance policy is popular among travellers. Scoring four stars from more than 3000 customer reviews on Product Review, the Allianz Domestic Travel Insurance policy is clearly a winner for many Aussies.

With no maximum age limit and the ability to tailor the plan with cruise, snow or adventure cover if needed, the policy is pitched at a wide range of travellers and trip types. However, it’s worth noting there is no cover for missed connections nor any online discounts available.

Cancellation cover chosen by customer
No maximum age limit nor excess for higher ages
Cruise, snow and adventure cover can be added on
No cover for missed connections
Cancellation cover isn’t valid if involving death, injury or illness of a relative over 85

$250 for delays 6 hours or more plus an additional $250 for each additional 24 hours up to a maximum total limit of $500

The Bupa Domestic policy is underwritten by Allianz Australia Insurance, making it similar to Allianz’s domestic travel insurance policy. As with Allianz, there is no maximum age limit and travellers can add cover for cruise holidays, winter sports and higher-risk adventure sports. Lost luggage and personal effects are also covered up to $10,000 with sub-limits applying, however higher item limits can be included for valuables, such as engagement rings or expensive equipment.

There is no cover for missed connections, but travel delays are covered up to a total of $2,000, while cancellation cover tops out at $1,500 (and is not available to those aged 85 and over). Additionally, existing Bupa health members can receive a 15% discount on premiums. In terms of customer satisfaction, Bupa scored slightly lower than Allianz with 3.9 stars from 138 reviews on ProductReview.

15% discount for Bupa health members
Option to increase item limits for valuables
Maximum cancellation cover is only $1,500

$75 per completed 6 hours

The Australian Comprehensive Travel Insurance policy is Qantas’ domestic travel insurance offering, available to Australians of all ages. Cancellations are covered up to $5,000, and there is a provision to claim missed connections under additional travel expenses. There is also up to $600 cover for missed connections, with $75 allocated for every six hours of delay.

Cruises are covered within the policy at no extra cost, and snow sports cover can be added as an additional pack. While there are no online discounts available, Qantas frequent flyer members can earn points via the purchase of a policy.

Missed connections can be claimed
Qantas points available
Limited travel delay cover
Some poor customer reviews
No option to add adventure cover

however, those 80 years or older incur a $3000 excess.

$200 for delays 6 hours or more plus an additional $200 for each additional 24 hours

The 1Cover Travel Insurance is highly rated among its customers, receiving a score of 4.2 stars from 91 reviews of its domestic policy on ProductReview. Its domestic travel insurance offering reflects this rating, with no maximum age limit to take out the policy, $5 million in personal liability cover, and unlimited cancellation cover when circumstances occur that are out of the policyholder’s control.

Additionally, customers can choose to add-on additional packs for cruise holidays or snow sports, and both lost luggage and lost personal effects are covered with certain sub-limits applying dependent on the item. Unfortunately at the time of writing, there are no online discounts available for the policy.

Positive customer reviews
Good travel delay and cancellation cover
No increased item limits available for valuables
$3000 excess applicable for those aged over 80
No online discounts

however, older travellers cannot purchase snow/adventure packs

$200 for delays 6 hours or more, plus an additional $200 for each additional 24 hours

The Covid-19 pandemic lockdowns and restrictions demonstrated the importance of travel insurance, especially policies with adequate cancellation cover for when circumstances changed. In this vein, Fast Cover Domestic offers unlimited cancellation cover, along with up to $2,000 coverage for travel delays.

The policy is available for Australians up to age 89, however older travellers will not be able to purchase snow sport or adventure add-ons. There is no option to add cruise cover to the domestic policy; instead customers will need to choose cruise as the destination in order to be covered for the cruise portion of their trip.

Unlimited cancellation cover
Trip delays covered
Must be aged 69 and under to purchase snow pack
Adventure pack limited to those aged 74 and under.

delays must be more than 6 hours, with $250 per 24 hours

The domestic travel insurance policy offered by nib is available to Australians of all ages, with existing nib customers granted a 10% discount. Delays are covered if they are more than six hours long, and only up to the value of $500. Lost luggage is covered up to $4,000, and item limits can be increased if necessary to a total of $10,000.

Unfortunately, cruises are not covered within this plan, nor is there any option to add it as additional coverage. The same goes for adventure activities—however snow sports can be added at an additional premium.

Cancellation cover limit chosen by customer
Option to increase item limits
10% discount for nib customers
No cruise cover available
No other online discounts available
Low coverage amount for delays

Up to $1000

$50 per completed 12 hours

ING Travel Insurance Domestic Policy is available to Australians up to 100 years old. Along with $1000 of travel delay cover, cancellations are also covered up to $12,500 in the policy, however, missed connections are not.

Additionally, cruise cover cannot be added to this policy; instead, ING’s comprehensive policy must be purchased with cruise selected as the destination. Fortunately, there is a 15% online discount available when purchasing the insurance policy.

High age limit
$12,500 cancellation cover
15% online discount
Limited customer reviews
Low travel delay cover
No missed connections cover

99 years subject to acceptance criteria

The Cover-More Domestic policy is available for all ages up to 99 years, subject to acceptance criteria such as pre-existing medical conditions. Delays are covered up to $1000, missed connections are also covered up to the value of $2000, and the value of cancellation cover is chosen by the customer.

Luggage is covered up to $15,000, with item limits available to be increased up to certain amounts. There is no option for cruise cover on this policy, however, snow and adventure packs can be purchased in addition to the base policy. At the time of writing, there is also no online discounts available.

Missed connection cover
Lost luggage covered up to $15,000
Cancellation limit chosen by customer
Can’t add cruise cover
Cover for older travellers is subject to acceptance criteria

however, reduced limits apply for customers over 70

$300 for delays 6 hours or more, plus and an additional $300 for each additional 24 hours

Medibank offers a domestic travel insurance policy that includes unlimited cancellation cover, $2,000 in travel delay cover and $3,000 in missed connections cover, which a lot of other policies do not cover. There is also luggage cover up to $8,000 with certain item limits applying, however, these item limits can be increased for valuables although customers will be required to request a quote.

In order to add snow sport coverage to the policy, consumers will also have to ask for a quote from Medibank. Cruise cover cannot be added to the domestic policy; instead travellers embarking on a cruise holiday will need to purchase Medibank’s international travel insurance policy.

Discount for Medibank customers
Quotes required for certain coverage changes
No cruise cover option
Reduced limits on cancellation cover and other benefits may apply to travellers over 70 years

$250 per 24 hours

Scoring 4.1 stars from 23 customer reviews, the Travel Insurance Direct Domestic policy is well-liked by Australian customers, although it’s worth noting that the domestic policy option has only attracted a handful of reviews so should not be seen as a comprehensive assessment of customers’ experiences.

Cover is available to those aged up to 75 years at the time of purchase. The cancellation cover value is chosen by the customer, which includes a cancellation due to a family emergency, and missed connections are also covered up to $2,000. Unfortunately, there is no option to add cruise cover to the policy nor adventure activities, but there is an option to add snow cover.

Option for snow sports coverage
Positive reviews
No option for cruise cover
Age limit is 75 years
Low level of cover for travel delays

Forbes Advisor Australia took a methodical approach when comparing the best domestic travel insurance for Australians. An in-depth analysis of more than 20 different policies was conducted, with data being analysed from company websites, product disclosure statements, and customer reviews.

The key features examined of each policy included:

Who the policy was underwritten by, to ensure it is a reputable and trusted company;
Whether it covers you for personal liability, in case you unintentionally cause damage to someone or something;
If there is accidental death cover and, if so, what the maximum payout is;
If there is cover for family emergencies, and any criteria that must be met–such as maximum ages;
For those renting a car while travelling, if there is coverage for the excess for damaged or stolen rental cars;
Whether or not it covers you for travel delays, along with any sub-limits related to emergency accommodation or meal costs;
Whether or not it covers you for cancellations, the criteria for a cancellation and the maximum amount the policy will pay;
If there is any cover for missed connecting flights;
Whether there is lost luggage cover, or cover for stolen or damaged luggage;
The sub-categories of lost personal belongings that it may cover, including electronics or cash;
If you can increase the item limits cover that the policy offers for valuables such as jewellery or speciality gear;
The maximum age that the policy offers coverage for;
Any online discounts the insurance provider offers, or additional perks; and
The star ranking it has received from existing and previous customers via the leading independent opinion site, ProductReview. This metric was considered more reliable if the insurer had a large number of reviews; a smaller number of reviews were considered less reliable.

About Star Rankings You will note that we have included a star rating next to each product or provider. This rating was determined by the editorial team once all of the data points above were considered, and the pros and cons of each product attribute was reviewed. The star rating is solely the view of Forbes Advisor editorial staff. Commercial partners or advertisers have no bearing on the star rating or their inclusion on this list. Star ratings are only one factor to be considered, and Forbes Advisor encourages you to seek independent advice from an authorised financial adviser in relation to your own financial circumstances and investments before you decide to choose a particular financial product or service.

During the Covid-19 pandemic, states and territories all had different rules and requirements for domestic travel. This included mandatory quarantine, proof of vaccinations, border declarations, and government-enforced mask wearing or isolation requirements.

There are now no restrictions in place for domestic travel, meaning Australians are able to travel to different states and territories as they please.

Airlines have also loosened their restrictions, with mask wearing no longer enforced on planes, but rather encouraged.

Despite restrictions no longer being in place, Covid-19 is still active in communities. Considering that you or anyone you are travelling with could contract the virus and possibly be too ill to travel, it is worth determining if your domestic travel insurance would cover cancellations or flight changes due to Covid-19.

Related: Best Travel Insurance for Australians

As most Australians already have medical cover that is valid no matter where in Australia they are–whether via Medicare or private health insurance–there are still many other reasons to purchase domestic travel insurance that don’t relate to medical needs. Some of these factors may include:

Your domestic travel insurance policy can cover you if unforeseen events arise that cause you to have to cancel your trip. As Smarttraveller puts it, if you’ve already spent a lot on your holiday, it’s not too much extra to buy travel insurance to then be able to recoup potential losses.

It’s important to check your product disclosure statement (PDS) to understand what and what will not qualify as a reason for cancellation. For example, some policies may no longer cover you having to cancel due to contracting Covid-19, as it is no longer a requirement to isolate if you contract the virus.

Delays and Change of Plans

Similar to cancellations, domestic travel insurance can also cover you if you have to change your holiday plans or are subject to delays. For example, if you have to travel home early due to sickness or injury, your insurance policy may be able to cover the cost of the new flight.

Another example is if you are travelling for a concert or an event that is already pre-paid and you are subject to travel delays that cause you to miss the event. In this instance, your policy may reimburse you for lost costs.

Lost Belongings

Domestic travel insurance policies can also cover lost items, which is important if you are travelling with valuables. Many policies offer this cover in terms of three different categories: lost luggage, lost valuables, and lost cash. Additionally, the cover usually also extends to belongings that have been stolen or damaged.

There are often sub-limits applicable to certain items, such as electronics.

Car Hire Excess

If you are hiring a car for your travels, then domestic travel insurance is a smart choice of investment (if it offers car hire excess coverage). This is because if any damage occurs to the vehicle, your travel insurance policy will cover the cost of your excess up to a certain amount.

If you don’t have travel insurance with a car hire excess coverage, you would have to pay the car hire company’s full excess charge for any damage that occurs which is usually quite a costly charge or pay more at the vehicle car hire provider to reduce your excess to zero (if this is possible).

Personal Liability

A domestic travel insurance policy will usually provide cover up to a certain amount if you accidentally cause damage to a property or accidentally injure someone else. It’s worth noting that this cover is often included in comprehensive car insurance policies, so if you are travelling by road in your own vehicle and have a comprehensive car insurance policy, it may not be a necessary inclusion.

Cruise, Snow and Adventure Cover

If you are going on a specific type of trip, it’s important to make sure that your domestic travel insurance policy will cover the activities you intend to take part in. For example, if you are heading for a snow holiday, or on an ‘adventure’ trip such as a motorcycle tour, it’s important to make sure you are covered.

While these kinds of trips may not automatically be covered in a domestic travel insurance policy, they are often able to be covered upon purchasing an additional pack on top of the base policy such as “snow cover” or “adventure activities”. A brief note regarding cruise cover: even if you are cruising in Australian waters, you may not be covered by Australia’s Medicare system because the cruise company is not obligated to have a Medicare-registered GP on board, or you may cross into international waters. This is why cruise cover is especially important.

For seniors looking to travel domestically, travel insurance is advised. However, it’s important to note that many travel insurance providers and policies have maximum age limits. That being said, it’s important to make sure your policy will cover you and anyone in your travelling party for whatever age they are on the trip.

Some policies have a maximum age limit of only 69 years old, while others don’t have a maximum age at all. Additionally, some policies may enforce an additional excess for seniors depending on the destination or duration of your trip; others may stipulated that there are certain limitations on cancellation cover or other benefits for seniors.

While many policies cover accidental death, there may also be limitations placed on this cover depending on your age. Ultimately, there is no one-size-fits-all when it comes to domestic travel insurance for seniors (or travellers of any age, for that matter). That’s why it is essential to carefully read the PDS of your chosen policy to understand whether you and your travelling party will be covered, and any conditions or exemptions that you should be aware of that may affect your ability to make a claim.

You can read more in our pick of the Best Insurance Providers for Seniors .

The advice and information provided by ForbesAdvisor is general in nature and is not intended to replace independent financial advice. ForbesAdvisor encourages readers to seek expert advice in relation to their own financial decisions and investments.

Data research: Mia Dunn Fact checking: Johanna Leggatt, Anna Rey.

Can you get travel insurance for domestic travel?

Yes, domestic travel insurance policies are available from many travel insurance providers in Australia. These policies can cover you for a range of circumstances while travelling throughout the nation, including stolen valuables or car hire excess.

Am I able to travel domestically without a passport?

Yes, you are not required to have a passport in order to travel domestically. There are no passport checks when crossing state borders within the country, whether you are travelling by road, sea or air.

What is the best domestic travel insurance in Australia?

The ‘best’ domestic travel insurance policy available to Australians is subjective, considering Australian travellers will have different needs in terms of cover for their trip. For example, a 21-year-old going on a ski holiday in Victoria will want a policy that includes cover for snow sports, while an 80- year-old going to visit family in Western Australia will not.

Despite differing needs of travellers, Forbes Advisor Australia has analysed some of the most popular insurers on the market and compiled a list of our favourite providers, based solely on our editorial judgment. However, it’s important to note this list is not intended to be definitive and does not replace your own research as to the best domestic travel insurance for you.

Is travel insurance within Australia worth it?

Domestic travel insurance is certainly recommended by most travel experts as a form of protection against the myriad events that can go wrong when travelling: delays, illness, cancellations and theft of luggage or valuables. While you won’t need medical coverage while travelling domestically (as you are covered under Medicare), most travel insurers offer a type of domestic policy that is tailored specifically to local travellers and the most common mishaps, such as having to cancel a trip because you are ill or travel delays.

Can you buy domestic travel insurance?

Yes, and many of the travel insurers that offer comprehensive international trip coverage, will also offer a domestic policy that is specifically tailored to locals. This type of insurance is perfect for unforeseen events, such as luggage theft, travel delays or cancellations, personal liability, missed connections and car excess coverage.

Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany, Sophie has worked closely with finance experts and columnists around Australia and internationally.

Domestic travel insurance: Australia

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Is domestic travel insurance worth it?

What does domestic travel insurance cover, cheap domestic travel insurance: insureandgo, domestic travel insurance and covid-19, good reasons to get domestic travel insurance in australia, compare domestic travel insurance, why compare domestic travel insurance with finder, how to find cheap domestic travel insurance, what's not covered with domestic travel insurance, frequently asked questions.

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What you need to know

Domestic travel insurance covers you for unexpected costs while travelling within Ausrtalia.
Thanks to your medical costs already being covered by Medicare or insurance, domestic policies are generally cheaper.
Cover starts from around $2.60 a day, so it offers decent value.

Domestic travel insurance is generally worth taking out, although it's not always a no-brainer like international travel insurance is. That's because you should already covered for medical care in Ausrtalia, either with Medicare or an OVHC policy, if you're here on a visa.

Domestic tourism is always increasing - November 2023 saw 9.2 million overnight trips , up 8% from the year before. That's 9.2 million opportunities for luggage to get lost, plans to get interrupted or unexpected costs to crop up.

Delays and cancellations

30% of Australians have had issues with a low-cost carrier in the past 12 months, according to Finder research. Domestic travel insurance can cover you for cancelled or delayed flights .

COVID-19 expenses

Lots of domestic travel insurance policies now cover COVID-related expenses e.g. if you need cancel or rearrange your trip because you catch COVID.

Luggage and personal belongings

Comprehensive travel insurance policies cover lost and delayed luggage . This could be a really helpful benefit when travelling in Austrlia. According to Finder's latest 2023 research, almost 8% of Australians have lost personal items when travelling.

What's good about InsureandGo?

It's very cheap. Out of 23 insurers, its Domestic Gold policy is typically $180+ less than average.
The Bare Essentials option cost $2.60 a day for a 2 week trip. That makes it the cheapest policy on Finder.
The Domestic Gold option won Finder's domestic travel insurance award . It covers up to $50,000 for cancellations, $25,000 for travel delays, $8,000 for lost luggage, $5,000 for COVID cancellation and rearrangement costs, and $7,500 for rental car excess cover.
As the name implies, Bare Essentials covers well, the essentials - $2,000 for cancellations, $2,000 for lost luggage and it can cover pre-existing conditions with an assessment.
The Bare Essentials option is probably fine for short trips. It might not be enough for longer holidays.
The product disclosure statement is confusing. Unfortunately, this is an issue with many travel insurers.

Why Gary selected InsureandGo Travel

Domestic Gold

The insurance team analysed 23 comprehensive domestic travel insurance policies as part of the 2023 Finder Awards. We rated policies on both price and 14 different features. InsureandGo's Domestic Gold was one of the cheapest comprehensive policies.

Bare Essentials

The Domestic Bare Essentials was the cheapest policy available on Finder. We used our travel insurance engine to compare quotes. The cheapest policy was based on a 2 week trip for a 30 year old.

Lots of domestic travel insurance policies cover COVID-related expenses . These can include:

Trip rearrangement or cancellation costs if you, a fellow traveller or your host gets COVID and it impacts your trip
Expenses if you're unexpectedly forced into quarantine during your trip
A prepaid activity that's booked in Australia or New Zealand is shut down
Extra child care costs if you get COVID

Brands with covid benefits for domestic trips

Yes, you've got Medicare but there are lots of other ways travel insurance can come in handy:

Cancellations. This can include anything you've pre-booked – flights, accommodation, excursions and more.
Luggage. Lost and delayed luggage has been more common since COVID. Travel insurance can cover essentials so your trip isn't disrupted.
Hiring a car. Rental car excess cover is often included in your domestic travel insurance policy so you can avoid the pricey insurance at the dealership.
Snow trips. Most brands offer ski insurance policies that will cover your equipment and reimburse you for unused lift passes if something goes wrong. There are similar policies for golfers too.

There are loads of domestic travel insurance policies to choose from. While most cover similar situations, you will find some differences with price and benefit limits. It's also often the case that certain benefits are automatically included or offered as add-ons.

Here is a list of some of our partners and how their domestic policies compare. The policy cost is based on a hypothetical 7-day trip taken by a 28-year-old traveller between 5 and 12 April 2024.

We compare prices from more travel insurance brands than any other site in Australia

You pay the same price as buying directly from the travel insurer

We don't ask for your phone or email to see prices

Our travel insurance engine and expert picks makes it easy to find domestic cover

Finding a cheap domestic travel insurance policy shouldn't be difficult. Here are a few simple ways you can reduce your domestic travel insurance premium:

Buy a bare-bones policy. Some insurers offer budget policies that only cover you for the most costly risks, like needing to cancel your trip or cut it short due to an emergency. Obviously, you won't be covered for as much, but if you're looking to save, this is the easiest way to do it.
Increase your excess. You can reduce your premium by agreeing to pay a higher excess on your claims. Just don't increase your excess to a level you'd have a hard time paying.
Bargain shop. Insurers often run special promotions. If you look hard enough, you'll find coupon codes , giveaways and loyalty incentives.
Buy a joint policy. Many insurers will give you a discount if you and your travelling companion (be it friend or partner) take out a policy together . You'll each receive full benefits in most cases.
Don't add options you don't need. Some people need extra cover, especially if their trip involves expensive hobbies like skiing. But if your flights and activities didn't cost much, you can go with a more no-frills policy instead.
Shop around. It definitely pays to weigh your options. Once you've determined what you need, comparing policies becomes much easier. Review your options carefully and pay attention to each policy's features, limitations and exclusions.

Because of Australia's public healthcare system, Medicare, domestic travel insurance rarely provides medical cover. As well as this, insurers will provide you a list of circumstances that will void your cover . These are called exclusions. Here are some you may encounter:

You didn't disclose a pre-existing condition. You'll be denied for claims related to pre-existing conditions unless your insurer approved it ahead of time. If you have an ailment, tell the insurer before signing up.
You were careless with your belongings. Don't leave your stuff unattended. If it's stolen, the insurer won't replace it.
You acted recklessly. Say goodbye to your claim if you're drunk or high , or if you break the law.
You ignored medical advice. If the doctor says don't travel, you should probably listen. It's dangerous to your health and your claim.
You cancelled your trip for no good reason. Your insurer won't reimburse you just because you changed your mind about travelling .

Meet our travel expert Angus Kidman

Angus Kidman is the international editor-at-large at Finder. He's an award-winning journalist, avid travel enthusiast and passionate frequent flyer. Angus appears regularly on Sunrise, Today, The Project, Seven News and other TV and radio shows to share his expert tips.

Angus's top domestic travel insurance tips

Your health insurance will cover you for injuries while in Australia, but you still need travel insurance to deal with unexpected cancellations and lost luggage.
One other common trap? Remember, you're not covered by Medicare on a cruise, even if it's only in Australian waters.
Shop around - there are big differences in the costs of policies with similar inclusions.

Why you can trust Finder's travel insurance experts

We're experts

We're independent

Is medical evacuation and repatriation covered by domestic travel insurance?

Only a select few brands will cover you for medical evacuation by road or air if you need it in Australia. Our researchers found that Travel Insurance Direct will cover up to $50,000 in expenses for medical evacuation or repatriation on home turf. If you're cruising on Australian waters and want to be covered for emergency medical evacuation, you'll typically need to purchase a comprehensive international travel insurance policy. Remember to read the fine print in your PDS to find out how you're covered.

Read more about Travel Insurance Direct .

Will I be covered by Medicare if I go to see a doctor in another state?

Yes. Medicare will cover you regardless of what state you are travelling in. Because domestic travel insurance policies don't need to cover medical expenses, they are typically a bit cheaper than international policies. The only thing you might want to check is if your ambulance health cover includes all states.

I am over 70. Can I take out cover?

Yes. Most insurers will cover you if you're over 70 years. In some cases you may be required to submit details of your medical history in order to take out cover.

Do I have to be a certain distance from my home for cover to apply?

In most cases, yes. Most insurers will require you to be at least 200km from your place of residence for your domestic policy to apply.

Is cover on my credit card enough?

Most credit cards don't offer cover for domestic travel, only for international trips. That said, there are some cards that will offer cover for cancelled flights, delays and missed connections. Find out more about how credit card travel insurance compares to standalone cover .

I'm taking a cruise in Australian waters. Is domestic travel insurance enough?

You will not be covered by Medicare or private health insurance for any medical-related losses while at sea, even if travelling between Australian ports, so you'll need an international policy. Learn more about cruise travel insurance .

Is Norfolk Island covered under domestic policies?

There are no Medicare benefits for Norfolk Island so you will need an international policy. As an example, for the provider Covermore, this would fall under region Indonesia, South West Pacific, Norfolk Island and New Zealand.

Gary Ross Hunter

Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full profile

More guides on Finder

The best travel insurance policies are different for each individual traveller.

Compare Travel Insurance Direct policies online to save time and money. Travel Insurance Direct offers various policies including Annual multi-trip, The Works, The Basics and Domestic travel.

If time is valuable to you, Travel Insuranz may be suitable for you. With its fast online processing process, Travel Insurance provides easy access to protecting yourself for travel. Read its policy online.

Compare Travel Insurance Saver with other policies to see if they are right for you.

Find out how travel insurance for trip disruption actually works and policies from Australian brands.

Find out how travel insurance covers accidental death and what will be paid from in the event of a claim.

Beware when swimming at Byron, Ballina, Bondi and Bells.

Learn more about travel insurance brokers, how they are paid and the way they can help you find comprehensive travel cover.

Is travel insurance a worthy investment? Find out why travel insurance is an invaluable travel item.

Guide to high-risk travel insurance: What is and isn't covered.

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Domestic Travel Insurance

When travelling Australia, you can be confident we’ll be there for you every step of the way. Our domestic Travel Insurance plans can cover flight delays, lost or delayed luggage and rental car excesses, depending on what cover you choose. Plus, members save 10%.¹

Get a quote online and take out cover before you travel.

Choose your domestic cover

Domestic plan

Unlimited cover for cancellation fees
Cover for lost deposits resulting from an illness or accident
Cover for delays
Up to $5,000 cover for hire car excesses
Up to $7,500 cover per adult for lost or stolen luggage
Choose the Ski and Winter Sports Option to cover equipment hire, bad weather and more if you’re heading to the snow.

Cancellation Only travel insurance

Rental Car Excess insurance

If your rental car is involved in an accident or stolen, this policy covers the excess you’d need to pay to the rental car company.

You can choose from our flexible cover options, up to $8,000.

Cheaper for RAA members

RAA members save 10% on travel insurance policies.

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^Unlimited means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit.

*Lost or stolen luggage must be reported within 24 hours.

¹Member discount applies to premium payable for the product.

Conditions, exclusions, limits, and sub-limits apply. This insurance is issued by Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL AFSL 246548) (Tokio Marine).

Royal Automobile Association of South Australia Incorporated acts as agent for Tokio Marine and may receive a commission which is a percentage of the premium paid and may also receive a portion of the underwriting profit. Consider the relevant PDS and Target Market Determination , Terms and Conditions and Privacy Policy , available on the RAA website when deciding whether to purchase this product.

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Domestic Travel Insurance

An Australian Domestic Travel Insurance policy provides you with the level of cover you need to enjoy a happy worry-free Aussie holiday.

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Explore Australia with confidence

While many see the value in taking out travel insurance when travelling overseas, did you know that domestic travel insurance is just as important? An RACV Domestic Travel Insurance Policy includes benefits that can cover:

Cancellation fees and lost deposits
Travel agent fees
Lost, stolen, or damaged luggage or personal items
Luggage delays
Emergency expenses *
Travel delays

*Medical costs incurred in Australia are not covered.

Enjoy travel insurance which is specifically designed for domestic travel. You can choose the policy which best suits your next holiday, including RACV Domestic Travel Insurance, RACV Rental Car Excess and RACV Domestic Cancellation policies.

Cover applies from when you leave your home to go directly to the place you depart from for your travels, and ends when you return to your home.

COVID-19 Benefits

RACV Travel Insurance now includes limited COVID-19 cover # on RACV Comprehensive Travel Insurance.

#Limits and sub-limits apply. Refer to the Product Disclosure Statement for full details.

RACV Members get 15% off RACV Travel Insurance

Cover the whole family on the same policy

Booking a family holiday in Australia with your kids or grandkids? RACV Travel Insurance policies insure your children and grandchildren at no extra cost. 1

Simply add your dependent(s) travelling with you to your Certificate of Insurance. 1

1.Dependents such as children, grandchildren, stepchildren, and foster children aged 25 or under at no extra cost provided they are travelling with you the whole time, are financially dependent on their parents or grandparents, not working full time and do not require a medical assessment.

Enjoy cover for cruises around Australia

Are you planning on taking a cruise which isn’t leaving Australian waters? Consider an RACV Travel Insurance policy which covers cruises and provides cover for your possessions on board, cancellations if the unexpected happens and 24-hour emergency assistance.

Check with your Cruise provider as the medical providers onboard are not registered with Medicare.

Select “Australian Cruises” as your destination when purchasing a policy.

By selecting Australian Cruise as a destination, this means you will be offered the international policy options and benefits. This will include medical and evacuation benefit whilst at sea. Medical cover is not provided if you go to a medical provider whilst in port in Australia.

When you purchase a policy cruise option must be selected for all ocean voyages more than one night. This will determine the premium you pay.

Aerial view of the Great Barrier Reef with cruise ships

Frequent traveller? Find out more about RACV Annual Multi-Trip Travel Insurance.

Cover for activities and sports

Australia’s great outback and coastline is packed full of adventure activities for you to enjoy on your next holiday. Whether you’re snorkelling with turtles on the Great Barrier Reef, hiking through the Blue Mountains or Hot Air Ballooning over the Yarra Valley, choose an RACV Travel Insurance policy that suits your needs.

View a full list of activities and sports which are covered under certain conditions under this domestic travel insurance policy.

It’s important to note that domestic travel insurance does not cover medical expenses incurred while in Australia if you are an Australian resident or eligible overseas representative, as these will be covered by Medicare or your private health insurance policy. 2

2. View the Product Disclosure Statement for a full list of limits, exclusions and inclusions for RACV Domestic Travel Insurance Policies.

Why choose RACV Domestic Travel Insurance?

Cover for lost or stolen items.

Whether your luggage has gone missing on your flight, your new camera has been stolen or your belongings have a been damaged while travelling, you will be covered for the loss, theft or damage of your luggage and personal effects with your domestic travel insurance policy.*

Cover for cancellation fees & lost deposits

RACV Domestic Travel Insurance will provide you with your policy’s level of cover for severe unforeseen circumstances beyond your control, such as travel delays, trip cancellations and amendments.*

With RACV Domestic Travel Insurance, you also have a level of cover for travel agent’s cancellation charges and lost frequent flyer points, subject to the limits and terms and conditions set out in the Product Disclosure Statement . Situations like these can have knock-on effects which can eat into your holiday budget and savings. A domestic travel insurance policy will provide you with added peace of mind.

Cover for cancellation fees and lost deposits begins from the time the travel insurance policy is issued.

*Terms, limits and conditions apply. Exclusions for unattended items and luggage apply. Please read the Product Disclosure Statement for more information.

RACV Domestic Travel Insurance summary of cover

When it comes to choosing a domestic travel insurance policy for your next Australian holiday, you need to ensure that the policy you choose has all the inclusions you need.

Domestic travel insurance policies provide a different level of cover to international travel insurance policies. From cover for cancellation fees and lost deposits to luggage delay, emergency expenses and travel delays, discover what’s included in an RACV Domestic Travel Insurance policy below.

* This cover is per person listed in your policy.

Please read the Product Disclosure Statement carefully to understand what this policy covers. Importantly, please note that exclusions, limits and sub limits apply.

Summary of cover

Domestic (per adult), cancellation (per adult), rental car excess (per policy).

Section 1 Cancellation fees and Lost Deposits

1A: Unforeseen Circumstances#

$unlimited^^

Not Applicable

1B: Death, Injury or Illness of Your Relative, Your Travelling Companion or Your Travelling Companion’s Relative#

1C: Emergency Worker Leave+ (Sub Limit)

1E: Travel Agent Fees+ (Sub Limit)

3A: Luggage#

3C: Luggage Delay+ (Sub Limit)

3E: Personal Money+ (Sub Limit)

4A: Emergency Expenses#

4C: Emergency Expenses for Death, Injury or Illness of Your Relative, Your Travelling Companion or Your Travelling Companion’s Relative

5: Accidental Death*

6: Accidental Disability*

7: Your Legal Liability

$10,000,000

8: Rental Car Excess#

Choice of Cover: $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000

9: Loss of income#

10: Financial Default#

13: Travel Delay#

Ski and Winter Sports optional add-ons

16: Snow Ski Equipment Hire^

17: Ski Pack^

19: Bad Weather and Avalanche^

20: Lift Pass

22: COVID-19 Cancellation Fees and Lost Deposits

$3,500 combined limit

23: COVID-19 Additional Expenses# and Special Events

24: COVID-19 Travel Delay#

*#Limits and Sub Limits apply. See pages 10-23 for details. ^^$unlimited means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit. **$unlimited means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit. This benefit covers reasonable overseas medical and hospital costs as a result of an injury (including arising from a Terrorist Act) or illness occurring which first shows itself during Your Period of Insurance. Benefits may be paid up to 12 months from the time You received treatment for the injury or illness, but only for reasonable expenses incurred during that time. All medical treatments must be provided by Your Treating Doctor or Our Consulting Medical Officer. You must notify Us as soon as practicable of Your admittance to hospital. *This cover is per person listed in Your Policy. ^This cover is per policy. +This Sub Limit is a subset of this overall policy benefit section. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations . For copies, visit racv.com.au . RACV Travel Insurance issued by Tokio Marine & Nichido Fire Insurance Co., Ltd ABN 80 000 438 291 AFSL 246 548. Terms & conditions apply, refer to the PDS . Royal Automobile Club of Victoria (RACV) Ltd AR 001243563 is an authorised representative of the issuer and receives commission for each policy sold or renewed.

Luggage item limits

Are you planning on taking any valuable items such as your laptop, phone or golf clubs with you on holiday? Be sure to check whether the value of these personal items fall within the policy limit shown below to ensure they are adequately covered.

Policy benefits

Medical Devices

Domestic policy options and add-ons

Ski and winter sports cover.

If you are planning on hitting the slopes on your next Australian holiday, then you will need to purchase Ski and Winter Sports Cover. This add-on will cover you for winter sports activities such as skiing or snowboarding. See activities page for more details.

Annual multi-trip plan

Planning on taking more than one holiday around Australian in the next 12-months. Save yourself the hassle of needing to re-apply each time and take out an Annual Multi-Trip Plan policy with RACV Travel Insurance. 3

This policy provides you with the same level of cover as a one-trip domestic travel insurance and provides cover for accompanied children and grandchildren. It also provides year-round cover for your travel provided you are 250km from your home.

Excess options

You can choose to vary your Excess, which is the amount you must pay if you have a claim. The Excess you choose will either increase or reduce Your Premium. The Plan Type you select has the following Excess ranges: • Domestic $0 or $100 Your Excess will be shown on your Certificate of Insurance

Medical conditions

Check out the list of different conditions and their criteria that are covered by RACV Travel Insurance policies here , for all other conditions you can complete an online assessment to see if the insurer can cover them as well. Even though medical treatment is not covered while in Australia,. You may need to declare conditions to cover for other benefits such as cancellation fees.

3. In respect of any Annual Multi-Trip plans means the travel You are undertaking and commences from the time You leave Your Home or place of departure to start Your Trip until You return Home or until the end of the Period of Insurance shown on the Certificate of Insurance, whichever is sooner. The length of any one Trip cannot exceed 30, 45 or 60 days (depending on the plan chosen) and must be at least 250Kms from Your home.

Travel alerts, claims and policy documents

Travel alerts.

RACV Travel Insurance won't cover you for countries/regions with a DFAT travel advisory of "Do Not Travel".

Smart traveller
Recent travel alerts
COVID-19 travel advice & FAQs

Review or manage your policy

For full details on how you’re covered, read the RACV Travel Insurance Product Disclosure Statement.

Make a claim
Find a policy document
Contact us on 13 13 29

Domestic travel insurance

Compare domestic cover | What is covered | What isn't | Why you need domestic cover | FAQs

With international travel off the agenda for the foreseeable future, it's encouraging to see Aussies scratching their itch in their own backyard. The COVID-19 pandemic has affected thousands of Aussie travellers and their future holiday plans, but, cooped-up Aussies are keen to hit the road in their home country as the travel bug continues to bite hard.

Although the travel industry is in a place of extreme uncertainty, domestic holidays have begun to boom. After being locked indoors and restricted for so long, Aussies are looking for unique, regional and peaceful places – not cities to visit. For now, we can say bye to Bali and Fiji and hello to Port Douglas, Byron and Broome. Australia is one big place and there is just as much to see and do here as there is going abroad. Blessed with beautiful beaches, a myriad of natural wonders, unique wildlife, large expanses of the outback and a collection of cosmopolitan cities, it’s easy to see why this captivating country is a complete travel destination. The comfort of being close to home combined with the relaxed Aussie lifestyle makes it easy to overlook travel insurance for a domestic holiday. Whilst the majority of us don't need to worry about medical cover when travelling domestically (assuming you're covered by Medicare or private health cover), being protected at home is just as important as being covered overseas.

Lost luggage, damage to a rental car, flight delays, cancellations and theft are all situations that could quickly put a downer on any domestic trip. Our guide helps to explain everything there is to know about cover for your holiday-at-home! We all need to do our bit to keep our loved ones and country safe, so its important to be informed of the government restrictions in place across Australia. Be sure to understand the current restrictions and changes that may affect you and your travels. You can check restrictions in all states and territories using the COVID-19 Restriction Checker . Right now, you cannot travel overseas unless you have an exemption to leave Australia. You can learn more about leaving Australia by visiting COVID-19 and the Australian border . Having said that, Pacific and Asian travel bubbles are on the way. Travel insurance is there to cover you for unexpected and unforeseen events, so cover for COVID-19 is scarce. We're not aware of any policies that will cover you for cancellations relating to COVID-19, so be sure to opt for travel booking options that offer flexibility in cancellations.

Compare domestic travel insurance

The following table shows some of the most common cover levels of comprehensive domestic travel insurance.

WHAT DOES DOMESTIC TRAVEL INSURANCE COVER?

cancellation cover

Sometimes trips just don't go to plan! Domestic cancellation benefits cover the cost of rearranging or cancelling your trip because of unforeseen circumstances like illness, accidents & extreme weather. Cover starts from the day you buy your policy not when your trip starts :)

Lost or Damaged Luggage

It's a real pain in the butt when your stuff is lost, stolen or doesn't show up. At least if disasters happen on your holiday at home your policy will replace or reimburse you for your baggage and personal items if they disappear or are damaged.

Travel delays

Bummer, your interstate flight is delayed, now what!? If your transport is postponed due to an unforeseen reason, your out-of-pocket accommodation, meals, and transport costs would be covered until you get back-on-track.

Rental car excess

Hiring a car? Did you know domestic travel insurance often includes your rental vehicle excess should you have a ding or your hire car is stolen? Don’t take up the expensive collision damage waiver with your rental company, get cover with your domestic policy for a fraction of the cost.

Family emergency

It's always a worry going on holiday leaving loved ones behind. Never fear, should a close relative, or the person you’re travelling with become seriously ill, injured or heaven-forbid die, your travel expenses would be claimable. Restrictions can apply for relatives age, medical conditions and where they live.

Personal liability

A lawsuit would certainly put a dampener on your dream holiday. Relax as you're covered in the event that you are found to be legally liable for accidental injury or damage you may have caused to another person or their property whilst on your trip.

WHAT doesn't domestic travel insurance cover?

Common claims on domestic travel insurance.

Things can go wrong when you’re travelling in Australia too. Sometimes before you even get a chance to leave your home.

We surveyed some of Australia's leading travel insurers on the most common claims for Domestic Travel Insurance:

Trip cancellation costs because a traveller or a family member becomes seriously ill or injured (33% of claims)
Lost, stolen or damaged luggage - including our beloved mobile devices (15% of claims)
Excess for a stolen or damaged rental car (11% of claims)
Flights cancelled due to natural disasters or severe weather (8% of claims)
Additional expenses because someone’s sick or hurt (5% of claims).

Why you need domestic cover?

Too many Aussies go on holidays at home without thinking they need travel insurance when they do! Here’s why!

Exxy flight Costs

Australia is a big place! Going from one side to the other will set you back significantly. If a family emergency stopped you from going on your trip, or your flight was cancelled, would you have enough money to pay for another flight?

Natural disasters

Floods, storms, hurricanes don't just happen overseas, they happen here too. Should a severe weather event affect your trip, your domestic cover will reimburse you for any out-of-pocket expenses. Phew!

Missed events

Booked flights to see your favourite pop star or sporting team perform? In the event that your flight to that big event is cancelled or delayed domestic travel insurance will help you get there on time.

Your stuff is important

Loss, theft or damage to your prized possessions can be a common, yet gut-wrenching experience. Don't worry, if your personal belongings go AWOL the right policy will pay to replace or repair them. Woop!

For your peace of mind

Many holidays are hassle-free but a reasonable domestic policy is a small price to pay to cover your holiday at home. You wouldn’t travel overseas without cover, so don’t travel around Australia without it either.

Hiring a car in Australia

Cruising d omestically , domestic travel insurance faq's, what region does domestic travel insurance cover.

When you buy domestic cover, you are purchasing a policy for the whole country including Tasmania, Norfolk Island and Torres Strait. Create a quote to start comparing prices and features.

Am I covered if my domestic flight is cancelled due to the coronavirus?

The short answer is, no. If your airline cancels your flight due to the coronavirus it is their responsibility to reschedule or reimburse the costs of the flight.

Am I covered for holidays within a short distance from home?

This depends upon the policy that you buy. Some insurers require you to be a certain distance from your home in order for the domestic cover to kick-in! It varies from around 50-200km so be sure to check the PDS if you're planning a staycation close to home.

Am I covered for cruising domestically?

It's choppy waters out there! Some insurers cover you automatically when going on a cruise, others require you to purchase a cruise pack and some cover you as long as you have an international policy like the Pacific for example. If you are unsure, pick up the phone and give your insurer a call to check that you have the right cover. When you go on a cruise in Australian waters, in most cases it’s required for you to purchase a Pacific policy. This is because visiting the doctor onboard the ship is charged at private/international rates. You’ll also need a Pacific policy to be covered for helicopter rescue off the ship. Some companies still allow you to purchase a domestic plan, but you’ll need to add-on a cruise pack in order to be covered from ship-to-shore.

What does rental vehicle excess cover?

Rental vehicle excess is the amount that you would have to pay in the event that your rental vehicle is stolen or damaged, while in your care. Many people buy domestic travel insurance for this benefit alone as it is far cheaper to buy a travel insurance policy, including cover for your hire car than it is buying excess cover direct from your rental company.

Can I buy domestic travel insurance for relatives visiting me in Australia?

Some Aussie companies offer “Visitors Travel Insurance” as it is known. You may be required to purchase the policy before the friends or relatives arrive in Australia and waiting periods may reply. See more about visitors to Australia cover here.

Does domestic travel insurance cover me for family emergencies?

Yes, in most cases, if a loved one is unexpectedly hospitalised or passes away and you need to return home early, your domestic cover will pay to get you there.

Does domestic travel insurance cover me for skiing in Thredbo or Perisher?

In most cases, you’ll need to purchase some sort of ski or adventure pack in order to be covered for skiing or snowboarding within Australia. You should also consider whether ambulance costs would be covered should you need to be evacuated off a mountain. Speak to your chosen insurer to check if emergency evacuation benefits are included in their domestic snow pack.

Can I buy annual travel insurance for domestic trips?

Are you in favour of a frequent city break? Whether it's Sydney, Adelaide or Perth you might benefit from a multi-trip policy designed for frequent domestic travellers. If you have more than two trips planned within a 12 month period an annual travel insurance policy can be significantly cheaper than purchasing a single trip policy each time you travel.

What does domestic travel insurance cover?

Domestic Travel Insurance is specifically for trips within Australia. Your cover will typically include cover for loss or damage to luggage, travel delays, cancellation fees. Other benefits such as rental vehicle excess, personal liability and theft of cash are common too. It's important to note that medical benefits are not covered for domestic policies.

OTHER HANDY Tips & Guides

VISITORS TRAVEL INSURANCE

Are you visiting Australia from overseas? Or need to arrange travel insurance for friends or family visiting you? Get travel insurance for visitors to Australia today!

ONE WAY TRAVEL INSURANCE

Heading on an adventure with no return date? Get one-way travel insurance for your trip. Find out who you can buy it from right here.

non-resident cover

Are you living in Australia on a temporary visa and planning a trip overseas? We've done the hard work for you. 15 out of 20 insurers offer travel insurance to non-residents. Yippee

Eugene Wylde

Eugene is the king of insurance! Having spent more than ten years raising awareness on the importance of holiday protection, he is a self-confessed insurance geek extraordinaire when it comes to the world of travel cover. Eugene loves helping people save time, worry and loads of money with the right policy at the right price. His ideal holiday is any one where he has a pina colada in his hand. Salut!

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Comparetravelinsurance.com.au is Australia’s leading comparison site solely focused on travel insurance.

Our comparison is a free service that allows users to compare quotes in a few simple steps based on limited personal criteria. Comparisons supplied are not a recommendation or opinion about the suitability of a policy for a user. Comparisons are default ranked according to price and users have the ability to sort by popular cover levels. Whilst we compare a vast range of policies, we do not compare all providers in the market. This site compares the following brands: 1Cover, AllClear, Budget Direct, Downunder, Fast Cover Travel Insurance, Insure4Less, InsureandGo, iTrek, Simply Travel Insurance, Ski-Insurance, Travel Insurance Saver, Travel Insuranz, Wise Traveller, Zoom Travel Insurance . The directors and shareholders are common with companies i-Trek Pty Ltd, Zoom Travel Insurance and 1Cover Pty Ltd including it’s subsidiary brand Ski-insurance. CoverDirect takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the providers who participate on this site and should be verified with the insurer before you purchase. This site links users to the website of the provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

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Domestic Travel Insurance for Australia

Worldcare Travel Insurance
Domestic Travel Insurance

Don't let unexpected losses, cancellations and delays spoil your break.

Our Domestic Travel Insurance plan is designed to cover you for cancellation expenses and lost or damaged luggage (including laptops, tablet computers, cameras, mobile phones and electronic gadgets)*. It may also provide cover for additional accommodation and travel expenses if you become sick and are unable to travel*.

We also offer rental vehicle excess cover, designed to cover the excess specified in the rental agreement or the property damage you're liable to pay if you have an accident while driving a rental vehicle, or it is damaged or stolen while in your custody*. You can even tailor our Domestic Travel Insurance to suit your trip by adding optional snow, adventure (age eligibility applies) or cruise coverage to your policy for an additional premium*.

*Terms, conditions, exclusions, limits and applicable sub-limits apply; refer to the Product Disclosure Statement for details.

Worldcare’s Domestic Travel Insurance includes

Accidental death
Cancellation cover, with your choice of the level of cover you need, right from the moment you buy your policy*^^
Additional expenses*
Travel delay expenses*
Lost, stolen or damaged luggage, personal effects and valuables*
Theft of cash
Rental vehicle excess cover
Personal liability#
And more — see the Product Disclosure Statement for full details

This is a summary of the cover provided. Terms, conditions, exclusions, limits and applicable sub-limits apply; refer to the Product Disclosure Statement .

*Sub-limits apply — refer to the Policy Benefits section of the Product Disclosure Statement for details.

^^A default limit for Benefit 2.1 Cancellation is automatically included in your cover unless you make a selection. However, you are able to choose different levels of cover from the amounts available to you when you purchase your policy. Any benefit limit selected by you will be shown on your Certificate of Insurance. The benefit limit shown will be the most we will pay for all claims under Benefit 2.1 Cancellation.

#You will not have cover under Benefit 6.1 Personal Liability for any claims arising from your participation in any activities listed under Adventure Pack or your participation in snow sport activities.

Frequently asked questions

What is domestic travel insurance.

Domestic travel insurance is designed to cover you for travel within Australia. It can provide some financial coverage for some of the unexpected incidents or accidents that could happen on your trip.

What does domestic travel insurance cover?

Worldcare’s Domestic Travel Insurance is designed to provide cover for cancellation fees and lost deposits, travel delay expenses, lost or stolen luggage, theft of cash, rental vehicle excess, accidental death and personal liability*. You also have the option to add cruise, snow or adventure cover to your policy for an additional premium, should you meet age eligibility.

Do I need travel insurance for domestic travel in Australia?

Domestic travel insurance is certainly worth considering if you’d like to be insured for unexpected cancellations, delays, lost or stolen luggage or rental car mishaps*. As with any insurance product, it’s important to consider your needs and read the Product Disclosure Statement before making a decision.

Does domestic travel insurance cover medical and hospital bills?

No. Medical and hospital expenses are not covered under Worldcare Domestic Travel Insurance.

Does domestic travel insurance cover adventure activities, skiing, cruises and valuable items?

Yes, if you purchase an optional ‘add-on’ for the extra cover you require. You can add an Adventure Pack, Snow Pack and/or Cruise Pack to your Worldcare Domestic Travel Insurance policy, should you meet age eligibility. To increase the item limit for higher-value items, add Increased Limits Cover to your plan, so your item may be covered for a higher value, should it be stolen, lost or damaged*.

*Terms, conditions, exclusions, limits and applicable sub-limits apply. Please refer to the Product Disclosure Statement for full details.

Why choose Worldcare Domestic Travel Insurance?

At Worldcare we’ve been assisting Aussie travellers for more than 35 years. Our policies are underwritten by Allianz Australia Insurance Limited, and the friendly team in our contact centre are there to help. Let us take Worldcare of you!

Is domestic travel insurance available for seniors?

Absolutely! Worldcare Domestic Travel Insurance is available to travellers of all ages. However, the Adventure and Snow Packs are only available as an optional cover for travellers aged under 75 years at the time the Certificate of Insurance is issued.

How much does domestic travel insurance cost?

The cost of any travel insurance policy depends on a number of factors, including but not limited to, the length of your trip, your age and what activities you will be doing, as well as the cancellation limit and excess you may choose. You can refer to the Product Disclosure Statement for details on how we calculate your insurance premium, or for a quote, call us on 1800 008 614.

Can I cover the excess on my rental vehicle insurance?

Yes. Rental vehicle excess cover is included as a standard benefit in all Worldcare Domestic Travel Insurance policies at no added cost. This is designed to provide cover towards the excess you are liable for if your hire car is damaged or stolen*.

Sales and General Enquiries

1800 008 614

Claims and Client Services

1300 726 087

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Worldcare and Allianz Global Assistance are trading names of AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (AGA) which issues and manages travel insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Terms, conditions, exclusions, limits and applicable sub-limits apply. Allianz and AGA do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Before making a decision please consider the Product Disclosure Statement . The Target Market Determination is available at https://www.allianz-partners.com/en_AU/policies-and-services.html . AGA receives a commission which is a percentage of the premium you pay for a policy - ask us for further details prior to purchasing.

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Domestic Travel Insurance

15% off travel insurance for Medibank and ahm health members

Travel Insurance for Australia

Holidaying here this year? Even when you’re on your home turf flights can get cancelled, luggage can go missing and accidents can happen. With Medibank Domestic Travel Insurance you can enjoy your Aussie adventure knowing some of those mishaps are covered.

Cover for COVID-19

We’ve added a number of benefits related to COVID-19 onto our domestic and international policies. Including cover for overseas medical costs if you are diagnosed whilst travelling.

Cancellation costs

Expense cover for accommodation and other prepaid costs if you have to cancel due to certain unforeseen circumstances such as a family emergency. 1

Rental car insurance excess

Sometimes, the excess on your rental car can be, well excessive. Our Domestic Travel policy provides covers for your rental car excess if you have an accident.

Cover for luggage and personal effects

Includes cover for lost, stolen or damaged valuables such as luggage, laptops, cameras and certain personal items. 2

Multi-award winning travel insurance

We're proud to be winners of Mozo's Experts Choice awards in 2022 & 2023 and Canstar's 2023 Most Satisfied Customer - Travel Insurance award.

We're proud winners of Mozo's Experts Choice awards in 2022 and 2023.

What cover do I have in Australia?

Even within Aussie shores, luggage can go missing, flights get cancelled and rental car fenders can get bent. With Medibank Domestic Travel Insurance, you'll have cover for the new situations and some cancellation costs.

For full terms and conditions, limitations and exclusions, please read the Product Disclosure Statement (PDS)

COVID-19 Travel Insurance Benefits and inclusions

Whether you're planning a trip within Australia, or heading overseas, our COVID-19 travel insurance benefits can help you relax and enjoy your much needed break.

Domestic Cruise Travel Insurance

If you’re travelling on a multi-night cruise that takes you from one Australian port to another, then you’ll be leaving Australian coastal waters. This means that you’ll need to purchase an International Plan and add Cruise Cover to receive benefits payable under the policy.

Simply enter your destination as “Domestic Cruise” and select “Yes” to Cruise Cover when building your travel insurance quote.

Learn more about cruise insurance

Domestic travel insurance FAQs

What is travel insurance for domestic travel.

Medibank's Domestic Comprehensive Travel Insurance policy covers a range of unexpected hiccups during your Australian adventure. It includes benefits such as cancellation and amendment fees, missed connections, theft, loss and damage of luggage, and rental car insurance excess - this even includes a bonus cover for the insurance excess on your personal vehicle. We also offer COVID-19 benefits for a range of situations such as COVID impacting your accommodation and pre-paid activities, so you can book your travel at ease.

Please read the combined PDS/FSG for further information on coverage and exclusions.

Why aren't medical expenses covered for domestic travel cover?

Medibank does not cover medical expenses for domestic travel to help limit over-insurance for our customers. While traveling domestically, Australian citizens and permanent residents can use Medicare or private health insurance to access medical treatments. Visa holders who are allowed to live, work or study in Australia would be able to use OVHC/OWHC/OSHC cover to access medical treatments.

Things you should know

1 Conditions apply to cancellation cover. Only applies to the International Comprehensive and Domestic policies.

2 Item limits apply. See the Combined FSG/PDS for more information.

3 Limits apply. See the Combined FSG/PDS for more information.

4 Maximum liability collectively for sections Loss of Income, Personal Liability and Accidental Death is $10,000 on the Domestic Plan and $25,000 on the International Comprehensive Plan. Limits will be shown on the Certificate of Insurance.

Limits, sub-limits, exclusions and conditions apply. This is general advice only. Medibank Private Limited, ABN 47 080 890 259, an Authorised Representative, AR 286089, of Travel Insurance Partners Pty Limited, ABN 73 144 049 230 AFSL 360138 arranges the insurance on behalf of the insurer. The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507. Please consider your own needs and the Combined FSG/PDS to decide if this product is right for you. For information on the Target Market and Target Market Determinations , visit medibank.com.au/travel-insurance/help/

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Leave your details and a Medibank expert will be in touch to take you through your options. In providing your telephone number, you consent to Medibank contacting you about health insurance.

We'll have someone call you soon to help with any questions you have.

COVID-19 Health Assist - Expression of interest

Complete this form to express your interest in one of our programs. If you're eligible, a member of our team will call you within 2-3 business days.

What program are you interested in?

Sorry, only members with current Hospital cover are eligible to participate in these programs

Eligible Medibank members with Extras cover are able to access a range of telehealth services included on their cover - you can find out more here . Alternatively, if you would like to talk to one of our team about your cover, we're here on 132 331 .

Your membership details

Please provide your details so we can know how to contact you.

Your contact details

By clicking Submit, I understand that Medibank or its subsidiaries may contact me to discuss my eligibility for the Covid-19 Heath Assist program(s), and will disclose my personal information within the Medibank Group of companies and to third party service providers. Please see Medibank’s privacy policy for further information about how Medibank will handle my personal information, and how to contact Medibank: https://www.medibank.com.au/privacy/

Thank you for expressing your interest in one of our COVID-19 Health Assist programs.

If you are eligible, one of our health professionals will call you in 2-3 business days to discuss your situation and help to enrol you in the relevant program.

There is no cost to participate, however some referred services may incur an out of pocket cost.

Domestic travel insurance

Members save 15% on travel insurance

Get your quote

Family travelling on river cruise in Australia

Explore more of Australia with award-winning travel insurance

Aussie holidays are made of priceless memories. Capturing iconic views, finally using the snorkel you got for Christmas, enjoying backseat silence on a long drive – those experiences are irreplaceable.

15% policy discount for RACQ members
Cover for lost, stolen, or damaged luggage, smart phones, tablets, and computers^
Cover for cancellation fees and lost deposits if unforeseen circumstances cancel or cut your trip short^
Choose from our Domestic, Domestic Cancellation or Rental Car Excess plans
Optional ski and winter sports and cruise cover

Get your quote Make a claim

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To learn about all of the inclusions in our Domestic Travel Insurance policy, see our Product Disclosure Statement (PDS) and any applicable Supplementary PDS .

Up to $7,500 per Adult for lost, stolen, or damaged luggage items including smart phones, tablets, and computers.^

Cancellation fees and lost deposits for travel and accommodation arrangements if your trip is cancelled or cut short due to unforeseen circumstances. ^

Medical and evacuation benefits whilst at sea if you’re going on a cruise in Australian waters or only calling into Australian ports. Select “Australian Cruise” as your country of destination when completing the quote form if you are going on a cruise.

We provide coverage for up to $1,500 for additional meals and accommodation expenses, after an initial 6-hour delay, if your trip is disrupted due to circumstances beyond your control and you cannot claim the expenses from anyone else.^

You can choose to change your excess. The default excess for our Domestic Travel Insurance Policy is $100 but can be reduced to $0 for an increased premium. Your excess will be shown on your Certificate of Insurance.

Other domestic travel insurance plan options

Check out our Product Disclosure Statement (PDS) and any applicable Supplementary PDS for full details of what's included in other RACQ Domestic Travel insurance policy options.

Coverage is provided for:

Up to $1,000 for each listed person if your trip is cancelled or cut short at any time through circumstances beyond your control^
Cancellation fees and lost deposits for travel and accommodation arrangements that you have prepaid and cannot recover in any other way^
Prepaid tickets for tours and theme parks that can no longer be used as a result of your trip cancellation^
COVID-19 cover does not apply to this policy type
The cost of the rental car excess or the cost of repairs which would have been covered under the excess, whichever is the lesser, if you hire a vehicle from a recognised rental company and it is involved in an accident or stolen^
The excess component up to the applicable benefit limit stated on your Rental Vehicle policy. You can choose up to $8,000 in excess cover.^
Drivers accepted by the rental company and listed on Your Rental Vehicle agreement.^
Payments you are responsible for under the terms of your Rental Vehicle agreement following accidental damage to windscreens and tyres.^
Up to $1,000 for accidental loss, theft of, or damage to, your snow skiing equipment^
Up to $500 for the unused portion of the irrecoverable cost of your pre-paid and pre-booked ski passes, ski hire, tuition fees, or lift passes if you are injured or become unwell during your trip and are unable to utilise the full duration^

Enjoy better holidays with RACQ member benefits ~~

Manage your insurance

Domestic travel insurance faqs.

Need help or would like to know more? RACQ offers many convenient ways for you to get in touch with us.

Things to note

^ Limits (including sub-limits), conditions and exclusions apply. This insurance is issued by Tokio Marine & Nichido Fire Insurance Co., Ltd (Tokio Marine & Nichido) ABN 80 000 438 291, AFSL 246548. Please read the Product Disclosure Statement (PDS) and any applicable Supplementary PDS before making a decision about this product and read the Target Market Determinations (TMDs) before determining whether this product is suitable for your circumstances.

Offer is subject to change/withdrawal without notice.

Specific terms and conditions, limits (including sub-limits) and exclusions apply to each of our policies and the different benefits. Please read the ' RACQ Travel Insurance- Combined Financial Services Guide and Product Disclosure Statement ' for full details.

The information in this article is general advice only and does not take into account your objectives, financial situation or needs. Because of this, you should, before acting on the advice, consider the appropriateness of the advice, having regards to your objectives, financial situation and needs. You should obtain the ' RACQ Travel Insurance- Combined Financial Services Guide and Product Disclosure Statement ' and consider it before making a decision about whether to acquire RACQ Travel Insurance .

RACQ Operations Pty Ltd (ABN 80 009 663 414 AR 000234978) and Members Travel Group Pty Ltd (ABN 45 144 538 803 AR 000432492) are acting as an Authorised Representative of the issuer of the insurance, Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548). Any advice set out above is general in nature only, and does not take into account your objectives, financial situation or needs. Before purchasing any travel products, please consider the RACQ Travel Insurance Product Disclosure Statement (PDS) and the Target Market Determinations (TMDs) that apply to these products. Whilst the PDS outlines the Terms and Conditions of these products, the TMDs outline the intended class of customers that comprise the target market for these travel products. This will allow you to consider which products best suit your objectives, financial situation and needs and consider the products appropriateness to your personal circumstances. TMDs also outline matters involving the distribution and the review of these products. The PDS, Supplementary PDS and TMDs for each travel product can be found here .

~~ Terms and conditions apply to all offers. View the individual offer for full details. Offer is subject to availability and may be withdrawn at any time without notice.

# Conditions apply. Offer available at participating Caltex and Puma Energy service stations. Visit racq.com/caltex for details.

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Whatever your travel budget, style or needs, let's travel the world together - safely.

International Basic

Essential cover designed for Australian travellers on a budget.

Pre-trip cover if you're diagnosed with COVID-19

On-trip cover if you're diagnosed with COVID-19^##

Unlimited~ overseas emergency medical expenses^

Up to $5,000 luggage cover

Existing medical conditions cover available

Optional cancellation cover

Single Trip policies

Annual Multi-Trip policies^

Rental vehicle insurance excess

International Comprehensive

Extensive cover and benefit limits to provide extra financial protection.

Pre-trip cover if you're diagnosed with COVID-19#

On-trip cover if you’re diagnosed with COVID-19 while travelling^##

Up to $15,000 luggage cover*

Optional cancellation cover with Cancellation Extensions

Single Trip or Annual Multi-Trip^^ policies

Rental vehicle comprehensive cover

International Comprehensive +

Everything our Comprehensive Plan includes and more + higher benefit limits.

Pre-trip cover if you’re diagnosed with COVID-19 before travelling#

Up to $25,000 luggage cover*

Business trip benefits

* Item limits apply.

~ Cover will not exceed 12 months from onset of the illness, condition, or injury.

^ For cruise-related expenses, Cruise Cover must be included in the policy. There is no cover for cabin confinement related to COVID-19.

^^ Policy availability subject to age, trip duration and area of travel. Policies may not be available to all travellers.

# Up to $5,000 per policy (or the amount chosen if this is less) applies to International Comprehensive Plan and Comprehensive+ Plan policyholders with Amendment or Cancellation Costs cover included. You must be diagnosed with COVID-19 and certified by a qualified medical practitioner as being not fit to travel for cover to apply.

## Up to $5,000 per policy (or the amount chosen if this is less) applies per policy for policyholders with Amendment or Cancellation Costs cover included. You must be diagnosed with COVID-19 and certified by a qualified medical practitioner as being not fit to travel for cover to apply. A special excess applies.

Searching for COVID-19 cover?

To help you explore the world with confidence, our travel insurance provides cover for COVID-19-related:

Overseas medical costs*~#

Amendment and cancellation costs*^

Additional expenses*#^

*Limits, sub-limits, conditions, and exclusions apply.

~Medical cover will not exceed 12 months from onset.

#Cover for medical costs related to COVID-19 is not available on our Domestic Plans.

^A special excess will apply.

Holiday hasn't gone to plan?

You can submit a Cover-More travel insurance claim online at any time – and from anywhere.

Get emergency support, fast. We're here 24/7.

When adventure awaits... we can help provide cover.

Setting sail for two or more nights? You'll need to let us know and Cruise Cover will be added to your policy.

Snow Sports

Hitting the slopes? Consider protecting your winter getaway with one of our two levels of Snow Sports Cover.

Adventure Activities

Planning on engaging in extreme activities? We've got two additional Adventure Activities Cover options for you.

Motorcycle & Moped

Want to take to the road on two wheels? See if one of our Motorcycle/Moped Riding Cover options is right for your trip.

We're by your side when you need us most

We've been protecting Australian travellers for over 35 years. Read our customers' Cover-More travel insurance reviews to discover how our expert team provides exceptional care during uncertain times.

Mosquito bite in Bali

Shannon was bitten by a mosquito in Bali, which caused Dengue Fever.

"Cover-More were absolutely fantastic. I wasn't responding well to medical treatment, so they flew in a specialist from Singapore to accompany me all the way home. I'm so glad I had Cover-More travel insurance."

Boat crash in Thailand

Natalie was involved in a speedboat crash in Thailand, which resulted in a fractured pelvis and a brain haemorrhage.

"Luckily I had Cover-More insurance. They took care of everything and made sure we had the best medical treatment available."

Accidental fall in Poland

Irene was visiting family in Poland when she had a fall, which resulted in a bad fracture and extensive medical costs.

"Amazing. I can't praise them highly enough. Wonderful, wonderful people... Nobody should travel without insurance."

Protect your trip with us - get a free travel insurance quote now.

How can we help you travel smarter.

Whether you’re a seasoned traveller or a first-timer, we’re here to help you feel empowered to travel further, safely.

Finding cover for Existing Medical Conditions (EMCs)

Have an EMC? We can provide cover for various conditions to help keep you exploring, safely.

7 ways COVID-19 has changed the way we travel

Worried about travel risks during COVID-19? Discover how you can help ensure a safer trip.

What you should know before you hit the slopes

Planning a ski trip at home or abroad? Don't depart without reading our expert advice.

Got a question about travel insurance? We're here to help

What is travel insurance.

Travel insurance is a specific type of insurance that helps cover several costs and disruptions when travelling both domestically and overseas. Levels of cover differ per plan; however, travel insurance typically protects against trip cancellation, delays, lost luggage and personal belongings, overseas medical expenses and repatriation, and personal liability.

Most travel insurance providers offer single or multi-trip policies, which can cover multiple countries within a specific timeframe. Things like the destination, length of trip, optional additional cover for specific activities and pre-existing medical conditions all help determine the cost of a travel insurance policy.

How much does travel insurance cost?

The cost of a travel insurance policy varies from traveller to traveller because various factors affect the amount payable.

At Cover-More, we consider a number of factors when calculating the total amount payable. The following is a guide on these key factors, how they combine and how they may impact the assessment of risk and therefore the premium paid:

Area: higher risk areas cost more.
Departure date and trip duration: the longer the period until you depart and the longer your trip duration, the higher the cost may be.
Age: higher risk age groups cost more.
Plan: International Comprehensive+, which provides more cover, costs more than International Comprehensive or Domestic.
Excess: the higher the excess the lower the cost.
Cruise cover: additional premium applies.
Cancellation cover: on some policies you can choose your own level of cancellation cover. The more cancellation cover you require, the higher the cost may be.
Adding cover for Existing Medical Conditions and pregnancy (where available): additional premium may apply if a medical assessment is completed and cover is accepted by us.
Options to vary cover (where available): additional premium applies.

While a cheaper policy cost upfront may seem appealing, always read the Product Disclosure Statement to ensure your needs are adequately covered should an incident occur.

How does travel insurance work?

Travel insurance protects you when travelling domestically or internationally by providing coverage against unforeseen circumstances that may impact your travel plans. By purchasing travel insurance with cancellation cover prior to departure, your policy can help by providing cover for the costs of trip cancellations should you no longer be able to travel, as well as the costs of overseas medical treatment, lost passports, and personal items while you’re travelling.

The customer usually pays for these costs upfront, before being reimbursed by the travel insurer upon claim approval. To approve a claim, travel insurers require documentation such as medical reports, itemised medical bills or police reports to confirm the incident occurred.

However, at Cover-More, if our customer becomes ill overseas, they can also contact our 24-Hour Emergency Assistance team for support and to seek approval for expensive medical bills to be paid directly by us to the medical care provider/s instead.

Always read the Product Disclosure Statement before purchasing a travel insurance policy to ensure it provides adequate coverage for your circumstances.

What does – and doesn’t – travel insurance cover?

Unfortunately, travel insurance can’t cover absolutely everything. This highlights the importance for travellers to read the  Product Disclosure Statement  before purchasing to avoid becoming frustrated if claims are unsuccessful. It will contain details on the situations you likely won’t be covered in, including cancellation, pre-existing medical conditions, theft or loss of belongings, adventure sports, COVID-19 scenarios and more.

For full details of the exclusions within our Cover-More travel insurance plans, consult the  Product Disclosure Statement  .

When is the best time to purchase travel insurance?

The best time to purchase travel insurance is as soon as a trip is booked, as this can increase protection. When purchased ahead of time, a Cover-More customer can cancel their travel insurance policy for a full refund within the 21-day cooling-off period. If the policy is purchased before departing on the trip, claims for rearrangements and cancellations caused by unforeseen circumstances can also be made where cancellation cover is added to the policy.

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Domestic Travel Insurance Quotes
Domestic Travel Insurance for Australian Holidays
Online Travel Insurance Quote
Travel Insurance Quotes
The Best Travel Insurance For Australia And Why You Need It
Australian Domestic Premium Travel Insurance

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Domestic Travel Insurance Quotes
Allianz Domestic Travel Insurance offers cover for a single trip within Australia. It's designed to cover personal liability, luggage, unexpected trip cancellation, and more. 1 It's also designed to provide cover for the insurance excess on your rental vehicle if you're in an accident. 1. Plus, for an additional premium, you might be ...
Domestic Travel Insurance quotes
Our Domestic Travel Insurance plans across Australia let you choose cover for cancellations, luggage and more. Get a quote online with NRMA Insurance today. ... Add these when you get a quote for Domestic Comprehensive. ... NRMA Travel Insurance issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507), arranged and ...
Best Domestic Travel Insurance Providers
The Australian Comprehensive Travel Insurance policy is Qantas' domestic travel insurance offering, available to Australians of all ages. Cancellations are covered up to $5,000, and there is a ...
Domestic Travel Insurance
COVID-19 benefits for domestic and international plans 1,3. Get a quote in minutes. Great value international and domestic plans. From comprehensive to basic cover, you choose which benefits matter most. 24/7 support means help is only a phone call away. Reduce your premium with variable excess.
Domestic Travel Insurance Australia
The Bare Essentials option cost $2.60 a day for a 2 week trip. That makes it the cheapest policy on Finder. The Domestic Gold option won Finder's domestic travel insurance award. It covers up to ...
Domestic Travel Insurance
Domestic Travel Insurance. When travelling Australia, you can be confident we'll be there for you every step of the way. Our domestic Travel Insurance plans can cover flight delays, lost or delayed luggage and rental car excesses, depending on what cover you choose. Plus, members save 10%.¹. Get a quote online and take out cover before you ...
Domestic Travel Insurance Australia Quote
An RACV Domestic Travel Insurance Policy includes benefits that can cover: Cancellation fees and lost deposits. Travel agent fees. Lost, stolen, or damaged luggage or personal items. Luggage delays. Emergency expenses *. Travel delays. *Medical costs incurred in Australia are not covered. Enjoy travel insurance which is specifically designed ...
Domestic Travel Insurance
Save Time, Worry And Loads Of Money! Stay up to date with our latest news, deals and special offers. Don't pay more than you need to for travel insurance when travelling in Australia. Compare domestic travel insurance policies and save today! Cover includes luggage, cancellation and rental vehicle excess.
Australian Domestic Travel Insurance
Rental Car Insurance Excess claim value: $4,000. An airline lost a customer's suitcase, and the items were not recoverable. Luggage claim value: $2,500. Find out how affordable cover can be by getting a quote online or call our team on 1300 72 88 22. We can help you find our best domestic travel insurance plan that suits your needs.
Domestic travel insurance
Domestic travel insurance provides you with cover for unexpected incidents or accidents while you're travelling around Australia and can be a great safety net to ensure your holiday stays on track. Some of these accidents could be if your plans are disrupted by lost or stolen luggage, flights cancelled due to natural disasters or severe ...
Domestic Travel Insurance Australia
Travel Insurance for australia. Travelling within Australia? 1Cover's Domestic travel insurance covers you for things like trip cancellation, rental car excess, losing your luggage and family emergencies, but it doesn't cover medical expenses while you holiday at home. If you're hiring a car, it can also provide cover for the rental insurance ...
Domestic Travel Insurance Quotes for Australia
Domestic travel insurance is designed to cover you for travel within Australia. It can provide some financial coverage for some of the unexpected incidents or accidents that could happen on your trip. *Terms, conditions, exclusions, limits and applicable sub-limits apply; refer to the Product Disclosure Statement for details.
Domestic Travel Insurance
Australian Travel Insurance. Comprehensive single trip cover from $25 1 for domestic travel within Australia. Includes cover for trip cancellation, baggage and car rental excess. All policies earn Qantas Points. To earn the maximum amount of points a min. spend of $1,000 applies. Points will be awarded up to 6 weeks from the date of departure.
Domestic travel insurance
Get a quote for domestic travel insurance with 24/7 emergency assistance so you're covered for travel in Australia. ... You can read the details of everything our travel insurance for Australia covers in our PDS. PREV Domestic # NEXT Emergency travel arrangements & accommodation expenses: $10,000 Cancellation costs: $2,000 with option to ...
Domestic Travel Insurance For Australia
With Medibank Domestic Travel Insurance you can enjoy your Aussie adventure knowing some of those mishaps are covered. ... Simply enter your destination as "Domestic Cruise" and select "Yes" to Cruise Cover when building your travel insurance quote. Learn more about cruise insurance ... The insurer is Zurich Australian Insurance Limited ...
Domestic Travel Insurance
Domestic travel insurance usually applies if you need to cancel, reschedule or shorten your trip because of unexpected circumstances, such as sickness. Lost, damaged or stolen personal belongings. Be mindful of the policy limits and sub-limits per item. For example, if you have a new $1,500 phone and it is stolen, your policy may only pay up to ...
Domestic Travel Insurance Quote
Before making any decision about whether to acquire this product, please consider your own needs and read the Combined FSG/PDS and TMD. Save up to 5% off domestic travel insurance quotes as an NRMA member. Get coverage for travel delays, lost luggage, medical, cancellation, and more within Australia. Get a quote.
Domestic Travel Insurance Quotes
With Zoom's domestic travel insurance, you don't need stress about the crazy hire car excess fees or reducing your excess at the rental agencies counter. If you have a bingle, we will reimburse you for up to $5,000 for any excess that you have to pay or deductible under your rental vehicle hiring agreement. If you require more cover, you can ...
Domestic Travel Insurance
Our Domestic Plan provides limited cover for COVID-19 cancellation fees, lost deposits, additional expenses, special events and travel delay, up to $3,500 per Adult (combined limit).^. Up to $7,500 per Adult for lost, stolen, or damaged luggage items including smart phones, tablets, and computers.^. Cancellation fees and lost deposits for ...
Domestic Travel Insurance Australia
A 15% discount applies to the premium paid for a new Budget Direct Travel Insurance policy initiated and purchased online on or after 22 February 2023. Discounts do not apply to any renewal offer of insurance. Discounts only apply to the insurance portion of the premium.
Travel Insurance
Plus, Bupa Health Insurance members get 15% # off. Get a quote chevron ... The Domestic policy offers cover for a single trip within Australia. ... insurance as agent for Travel Insurance Partners Pty Ltd (ABN 73 144 049 230, AFSL 360138) who manage and administer travel insurance issued by Zurich Australian Insurance Limited ABN 13 000 296 640 ...
Travel Insurance Quote
Protect your trip with us - get a free travel insurance quote ... International Comprehensive+, which provides more cover, costs more than International Comprehensive or Domestic. Excess: the higher the excess the lower the cost. ... by Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713) on behalf of the product issuer ...