Domestic travel insurance

Average customer rating: 4.3/5
Written by Tiana Lee-Collins
Reviewed by Adrian Taylor
Last updated March 8, 2024

Domestic travel insurance tips

Catriona Rowntree’s top travel insurance tips for domestic travel.
Catriona Rowntree

Why take out domestic travel insurance

Whether it’s a single trip or multiple trips to various locations, it’s a good idea for Aussies to take out a domestic plan for travel insurance. It can provide you peace of mind for any trips around Australia; instances where your policy may help include:

  • If your trip has to be cancelled or delayed due to unforeseen events, your policy may help you recoup some of these costs or reschedule your trip.
  • If you are involved in an accident with your rental car and need to pay the rental company an excess payment.
  • If your luggage is lost or stolen while on holiday, your domestic travel insurance policy may be able to reimburse you.

Choosing domestic travel insurance for your trip

Before choosing a domestic plan for travel insurance, it’s important to understand exactly what coverage you need and what is available to you. Be sure to consider:

  • What benefits are included in your policy, and what might need to be purchased as an add-on.
  • The exclusions, limits and sub-limits of a policy including any age limits or excluded activities, such as adventure sports.
  • How often you travel, as frequent travellers may find more value in annual multi-trip policies rather than multiple single trip ones.

Expert tips to find the right domestic travel insurance policy

Our travel insurance expert, Adrian Taylor, has specialised knowledge on finding the right domestic travel insurance policy for your trip.

Adrian Taylor
Executive General Manager – General Insurance

Declare pre-existing medical conditions

Always declare your pre-existing medical conditions when applying for a policy. While any medical or hospital expenses won’t be covered, you may be covered for cancellations if your condition impacts your ability to commence or continue your trip.

Consider what you need cover for

Your domestic policy may cover emergency assistance, cancellation fees, lost personal effects, personal liability, travel delays and more. Depending on your travel plans, you may also consider adding cover for cruises or ski holidays to your policy for an extra premium. Think about what level of cover you need to make sure you’re protected while on holiday.

Remember cruise travel isn’t covered automatically

Cruise cover is not offered as part of a domestic plan. If you’re taking a domestic cruise, you’ll need international travel insurance with cruise cover for your trip. However, unlike regular domestic trips, cruises can be protected by medical cover in the event you need medical treatment.

All about domestic travel insurance

What is domestic travel insurance?

Domestic travel insurance for seniors

Inclusions and exclusions

What can domestic travel insurance cover?

Cruise cover

What does domestic travel insurance exclude?

Meet our travel insurance expert, Adrian Taylor

Adrian Taylor
Executive General Manager – General Insurance

As the Executive General Manager of General Insurance, Adrian Taylor believes in educating customers about the importance of travel insurance so that anyone can kick back and make the most of their time away from home. While no one wants a disrupted holiday, a suitable travel insurance policy can provide a financial safety net for yourself, your belongings and your trip in case things go wrong.