IMPORTANT POLICY INFORMATION
For Policies purchased before 15 September 2026 click here to find out more about your policy including the PDS and how to claim
Domestic Travel Insurance for trips around Australia
For many Aussies, a local getaway may feel low risk and an easier option than going to some far away destination, but unexpected disruptions can still happen in your backyard. Your dream holiday to Tasmania could be interrupted due to a delayed or cancelled flight, or that family escape to the Gold Coast could be derailed by missing luggage or a natural disaster causing chaos.
At a glance: Domestic travel insurance
- May cover trip cancellations, delays, and interruptions across Australia
- May include lost, stolen, or delayed luggage and personal items cover
- Rental car excess cover may help reduce out-of-pocket costs
- May cover unexpected events like illness, severe weather, or airline delays
- Always make sure you read the Product Disclosure Statement (PDS). Consider the terms, conditions, exclusions, limits and applicable sub-limits.
Why should I consider travel insurance for domestic travel?
When it comes to domestic travel, it’s easy to fall into the ‘Medicare covers everything’ trap. But that could be an unsafe assumption. Medicare doesn’t cover the financial side of a disrupted trip.
Even within Australia, travellers can face:
- Flight delays due to airline disruptions
- Lost, stolen, or delayed luggage on domestic flights
- Unexpected illness or injury that forces you to cancel before departure
- Rental car damage or excess costs
- Trip interruptions from severe weather events, like bushfires, floods, or extreme weather
Get a quote to get your next domestic adventure underway today.
What does TID’s Domestic plan cover?
Our Domestic Plan offers coverage for things like lost luggage, travel delays or certain interruptions to your trip. Here’s a summary of everything our travel insurance for Australia covers.
- ✓Accidental Death
- ✓Cancellation cover*†
- ✓Additional accommodation and travel expenses
- ✓Travel delay expenses*
- ✓Lost, stolen or damaged luggage, personal effects and valuables*
- ✓Delayed luggage and personal effects
- ✓Theft of cash
- ✓Rental vehicle excess cover
- ✓Personal Liability#
PLUS
- ✓Pre-existing Medical Cover available upon application, approval and payment of applicable premium
- ✓Additional cover options available upon payment of applicable premium – Adventure activities, Snow Sports, Cruises or Increased Item Limits Cover
This is a summary of cover only and does not include the full terms, conditions, exclusions, limits and applicable sub-limits. Read the PDS before purchasing.
*Sub-limits apply; refer to the Policy Benefits section in the Product Disclosure Statement for details.
†A default limit for Cancellation is automatically included in your cover unless you make a selection. However, you can choose different levels of cover from the amounts available to you when you purchase your policy. Any benefit limit selected by you will be shown on your Certificate of Insurance. The benefit limit shown will be the most we will pay for all claims under Benefit 2.1 Cancellation.
#You don't have cover under this benefit for claims arising from your participation in snow sport or adventure activities.
Compare our plans
Domestic travel insurance FAQs
Designed to help cover travellers from certain unexpected costs when travelling within Australia, domestic travel insurance may cover things like trip cancellations, lost luggage, and travel delays.
Our Domestic Plan may cover trip cancellation, lost or delayed luggage, travel delays, rental vehicle excess, and more. It’s important to check the Product Disclosure Statement (PDS) for full details.
Domestic travel insurance may provide cover to help recoup prepaid travel costs and being out of pocket for non-refundable bookings or travelling with the essentials if an unexpected insured event disrupts your trip.
No. You only need to start or end your trip at your home in Australia.
Our Domestic plans are available to all ages. However, you will need to be aged under 75 years if you plan on purchasing a Snow Pack or Adventure Pack.
Yes, you can be covered for snow sport activities. But only if you choose to purchase a Snow Pack to add to your Domestic Travel Insurance policy. You’ll be covered for piste closure, bad weather and avalanches, loss, accidental damage or stolen snow equipment and more. However, you won’t be covered for Overseas Emergency Snow Sport Assistance when travelling in Australia.
Yes, just add a Cruise Pack to your Domestic Travel Insurance policy for an addition cost to be covered for sea and ocean cruising in Australia waters.
Ready to go?
As soon as you book your tickets you should consider booking travel insurance to cover you in the lead-up to, and during your trip. Start by getting a quote below.