Please Note - If you are cruising around Australia you need to select Pacific.
With Regions, variances can apply for Bali, Indonesia, Japan and Middle East.
You are not required to enter stop-over countries if your stop-over is less than 48 hours.
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.
The following table shows some of the most common cover levels of comprehensive domestic travel insurance.
|Insurer||Underwriter||Rental Vehicle Excess||Cancellation||Luggage||Buy Now|
|1Cover||Certain underwriters at Lloyd's||$5,000||Unlimited||$15,000|
|Budget Direct||Auto & General Services Pty Ltd||$4,000||$10,000||$5,000|
|Fast Cover||Hollard Insurance Company Pty Ltd||$5,000||Unlimited||$7,500|
|InsureandGo||Mitsui Sumitomo Insurance Company Limited||$5,000||$25,000||$8,000|
|Online Travel Insurance||Allianz Australia Insurance Limited||Optional||Unlimited||$10,000|
|Tick||Mitsui Sumitomo Insurance Company Limited||$4,000||$20,000||$7,500|
|Travel Insurance Saver||Pacific International Insurance Pty Ltd
|Worldcare||Allianz Australia Insurance Limited||$3,000||Unlimited||$10,000|
|Zoom Travel Insurance||Certain underwriters at Lloyd's||$5,000||Unlimited||$7,500|
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:
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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!