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.
Many people forget to buy domestic travel insurance when they travel around Australia, but being covered at home is just as important as being covered overseas.
Australia is one big place and there is just as much to see and do here as there is going abroad. Assuming you're covered by Medicare, you don't need to worry about your health but there are still plenty of good reasons to buy travel insurance for trips around Australia.
Lost luggage, damage to a rental car, flight delays and 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!
The following table shows cover levels of comprehensive domestic travel insurance quotes.
|Insurer||Underwriter||Rental Vehicle Excess||Cancellation||Luggage||Buy Now|
|1Cover||Certain underwriters at Lloyd's||$5,000||Unlimited||$15,000|
|American Express||Chubb Insurance Australia Limited||-||$10,000||$5,000|
|Budget Direct||Auto & General Services Pty Ltd||$4,000||$10,000||$5,000|
|Downunder||Certain underwriters at Lloyd's||$3,000||$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|
|Simply Travel Insurance||Certain underwriters at Lloyd's||$6,000||Unlimited||$7,500|
|Tick||Mitsui Sumitomo Insurance Company Limited||$4,000||$20,000||$7,500|
|Worldcare||Allianz Australia Insurance Limited||$3,000||Unlimited||$10,000|
|Zoom Travel Insurance||Certain underwriters at Lloyd's||$5,000||Unlimited||$7,500|
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.
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 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 evacuating off a mountain. Speak to your chosen insurer to check if emergency evacuation benefits ae 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.
Originally from the UK, Hayley took a gap ‘year’ in 2011… and it’s still going! She’s travelled all over the world, volunteering in a Ugandan orphanage, skydiving in Australia, shark diving in South Africa, and skiing in the Alps (and snapping in a ligament in the process!). Certified in Tier 2 General Insurance General Advice and working in travel insurance for over two years, Hayley is a thrillseeker and a storyteller who loves hearing about customers’ holiday plans and sharing her own tips and must-see spots to help get them inspired.