Travelling in Australia

When it comes to travelling around Australia, TID offers great value especially if you are renting a car, motorhome or campervan. Here's some more information about our Domestic policy.

Rental vehicle insurance excess

The rental vehicle insurance excess benefit in the TID policy means that you won't need to pay the rental car company to reduce the excess on their policy. However, the vehicle still needs to be insured for damages through the rental car company. We'll cover the excess up to $6,000.

Medical cover

Medical expenses are not covered by the TID policy while you are in Australia. We will cover you for repatriation if medically necessary, but any medical expenses including ambulance are not covered. The Private Health Insurance Act 2007 prevents us from covering your medical expenses in Australia, as we aren't registered to do so.

Cover for your deposits and pre-paid travel arrangements

Booking a luxury trip to the Whitsundays or somewhere further afield? Then the cancellation cover may come in handy. You'll be covered for your pre-paid, non-refundable travel and accommodation expenses if you need to cancel before you go for unforeseen reasons. The cancellation section will cover you for the costs to rearrange your trip if that works out cheaper than cancelling altogether.

Luggage and personal effects

Luggage and personal effects are also covered when you are travelling in Australia. Some home contents policies offer cover for 'portables' that you list on your policy. If you experience permanent loss, theft or accidental damage to an item also insured on your home contents policy, you can still claim through us, but let us know the policy number and insurer for your home contents policy, and we will liaise with that insurer. You won't be able to claim the same costs on both policies, but we'll work with them to assist with the claim or recover our costs.

Cruising in Australian waters

If you are cruising around Australia, make sure you select 'Australian Waters' as your destination; otherwise, you won't be covered to see the doctor on board.

What's not covered

  • Medical expenses and ambulance costs in Australia
  • Loss of income
  • Out of pocket expenses
  • Return airfare
  • Resumption of trip
  • Withdrawal of services
  • Total permanent disability

This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.

Last updated: 21 December 2021

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