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
- Medicare doesn’t cover travel disruptions or lost bookings
- Always make sure you read the Product Disclosure Statement(PDS). Consider the limits, terms, conditions and exclusions.
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.
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. It’s 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
At TID we aim to keep you informed about events around the world when they happen, so keep an eye out for travel alerts on our website. However, please check Smartraveller for the destination(s) you are travelling to prior to travelling or planning to travel to a destination.
Get a quote to get your next domestic adventure underway today.
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 offers coverage for things like lost luggage, travel delay or certain interruptions to your trip. You can read the details of everything our travel insurance for Australia covers in our PDS.
| Domestic# | ||||
|---|---|---|---|---|
| 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 | |||
| Get a quote | ||||
| # 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. |
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What’s covered?
Domestic travel insurance may include:
✓ Trip cancellation due to illness and other specific insured events✓ Lost, stolen, and delayed luggage including personal effects
✓ Travel delay and emergency accommodation
✓ Rental vehicle excess
✓ Trip interruption cover
✓ Medical evacuation
The features and benefits described are a summary of cover only. Cover is subject to the full terms, conditions, limitations, and exclusions outlined in the 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.
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.
Specified items
Most personal valuables that are lost, stolen or permanently damaged are covered with our Domestic Plan. You can also choose to add additional cover by specifying items to cover their full value beyond the standard item limit with no depreciation applying for an additional premium during the purchase process.
How domestic travel insurance helps
Here’s how Domestic travel insurance can work in real life:
- Flight cancelled to Queensland due to severe weather: Cover may help with additional accommodation and meals during delays
- Delayed luggage on a Sydney–Melbourne trip: Claim essentials while you wait for your bags
- Ill before a ski trip: Cancellation cover may reimburse prepaid bookings if you've also purchased the Snow sports cover option
- Car hire damage on a road trip: Rental vehicle excess cover may reduce large repair costs
Travel tips for travelling around Australia
- Consider booking and getting cover early: Cancellation cover starts once your travel insurance plan is active
- Pack essentials in carry-on: Delayed luggage can still happen domestically
- Save your policy details: Quick access helps during disruptions
- Check weather conditions: Bushfires, floods, and storms can impact travel
- Keep receipts and documents: You’ll need these if you make a claim
- Avoid leaving valuables in cars at any time
- Save emergency contacts and your travel insurance policy details on your phone
Travel insurance tip: Domestic travel insurance may be worth considering if you’ve prepaid any part of your trip. Delays, cancellations, and lost luggage can happen anywhere in Australia. Consider TID travel insurance cover before you travel to protect your plans.
Top places to visit in Australia
Best Australian destinations in summer
- Great Barrier Reef: Snorkelling, sailing, and island escapes
- Byron Bay: Beaches, surf, and laidback relaxed coastal vibes
- Margaret River: Food, wine, and world-class coastline
Best Australian destinations in winter
- Snowy Mountains: Skiing, snowboarding, and alpine scenery
- Tasmania wilderness: Nature, hikes, and cool-climate experiences
- Blue Mountains: Scenic views, bushwalks, and cosy stays
Domestic travel insurance FAQs
This is a brief summary of cover only. Cover is subject to the full terms, conditions, limitations and exclusions outlined in the Product Disclosure Statement.
Ready to go?
As soon as you book your tickets you should consider booking travel insurance to make sure you’re covered in the lead-up to, and during your trip. Start by getting a quote below.