Travel Insurance Direct

Domestic Travel Insurance

Get cover for staycations. Our Domestic Plan is designed to protect you for trips within Australia.

What is domestic travel insurance?

Domestic travel insurance is cover designed for any trip taken around Australia. You might think you don't need insurance because you have Medicare, but travel insurance for Australia can cover you for things that your medical healthcare doesn't. Even if you're not going too far, things can still go wrong on trips close to home.

Buying a policy for a long weekend or just a week might seem weird, but you may want to make sure your well-being and your belongings are protected – especially if you're flying or renting a car.

What are the benefits included in domestic travel insurance?

All the things that can go wrong overseas can still happen at home. Our domestic insurance has the same benefits that our other policies cover, except medical overseas bills.

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Cancellation

If you've booked a hotel or a tour and have to head back home because a family member suddenly becomes ill, for example, cover may be available for unused accommodation and transport.

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Car rental

If you're thinking of hiring a car and taking an Aussie road trip, our domestic insurance can cover some of the car hire excess if your rental vehicle is damaged or stolen.

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Medical evacuation

While Medicare covers hospital stays, doctors' services and outpatient care, the domestic plan also provides cover for medical evacuation by road or air if you need it.

What can domestic travel insurance cover?

Our Domestic Plan has a reasonable level of cover to make sure you can claim for a number of events when you need to. Each limit has been tailored to the level for a domestic trip and the plan can cover things like lost luggage, travel delay or interruptions to your trip. You can read the details of everything our travel insurance for Australia covers in our policy wording.



Comprehensive Overseas Insurance (The Works) Budget Overseas Insurance (The Basics) Domestic Annual Multi-trip
Medical Expenses Overseas^ Unlimited $5,000,000 Not applicable Unlimited
Additional Expenses / Medical Evacuation Unlimited $500,000 $10,000 Unlimited
Cancellation Costs Unlimited $3,000 $10,000 Unlimited
Personal Liability $2,500,000 $1,000,000 $1,000,000 $2,500,000
Luggage and Personal Effects $12,000 $3,000 $4,000 $12,000
Rental Vehicle Insurance Excess $4,000 Not available $4,000 $4,000
Multi-trip Not available Not available Not available Available
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^Up to one year from the illness or injury happening.
‡The Works, The Basics and Domestic plans only cover single trips. The Annual plan covers multi-trips if you travel as often as you like within a 12 month period, as long as each trip is no longer than 38 days. Sub-limits apply. This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Please read our policy wording.

Can I get additional options added to my insurance policy?

Domestic travel insurance covers the basics, but there are some add-ons that you can purchase on top of your policy to make sure you have cover for the things that may be important to you, or any snow sports activities you'll be doing.

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Snow Sports

Heading to Thredbo or Mt. Buller? If you want to be covered to hit the slopes on a winter sports holiday, you'll need to add the ski and snowboarding insurance option to your policy for an additional premium.

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Gadgets

Most personal valuables that are lost, stolen or permanently damaged are covered with our domestic plan. You can also add protection for individual items, like pricier tech or a musical instrument for an additional premium during the purchase process.

Domestic travel insurance FAQs

Do I have to travel a certain distance from my home to be eligible to purchase domestic cover?

No. You only need to have an overnight stay booked somewhere or have booked transport with a service provider, such as an airline or hotel.

Is there an age limit on who can buy a Domestic policy?

Yes. The Domestic policy only covers people under the age of 81 at the time they purchase the policy.

Read the policy wording for full terms, conditions and exclusions and to ensure the product suits your needs.

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