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Travel Insurance Direct

Domestic Travel Insurance

For travel in your own backyard. 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 many of the same benefits that our other policies cover. Overseas medical bills aren’t covered under our Domestic plan.

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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 PDS.

Emergency travel arrangements & accommodation expenses $10,000
Cancellation costs $2,000
with option to increase
Medical evacuation & repatriation $50,000
Personal Liability $300,000
Luggage and Personal Effects $4,000
Rental Vehicle Insurance Excess+ $6,000
Coronavirus Travel Costs $2,500
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# Applicable limits are per adult traveller and are not increased for accompanying children.
+ This is a limit per policy; it is the most we’ll pay for all people on your Certificate of Insurance combined, per trip.

Sub-limits apply. This is a brief summary of cover and does not include the full terms, conditions, limitations and exclusions. Consider our PDS.

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 Snow sports cover option to your policy for an additional premium.

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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 start and end your trip at your home in Australia.

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

Yes. The Domestic policy only covers people under the age of 75 at the time they purchase the policy.

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

Find out more about domestic travel insurance

Why you should consider travel insurance for domestic trips

Why you should consider travel insurance for domestic trips

Even if you’re not going too far, things can still go wrong on trips close to home so cover can be just as important!

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Renting a car on holidays is a great way to get around, and it gives you the ultimate freedom on the road. If you’ve ever rented a car, however, you will know that costs can creep up when you arrive to pick up the vehicle and are faced with additional insurance options.

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A tale of two travellers… and their travel insurance

A tale of two travellers… and their travel insurance

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Ready to go?

As soon as you book your tickets you should be booking travel insurance to make sure you’re covered in the lead-up to, and during your trip. Start by getting a quote below.