Travel Insurance Direct

What TID Covers

We want you to explore the world and return home safely. But when the unexpected happens, our policies are designed to cover you.
Travel Alert: Cover is not available for loss arising from government restrictions including travel bans, border closures and broadly imposed quarantine requirements, or failure to follow government advice. If your travel is affected by government restrictions, we have options available if you no longer need your policy. See our travel alerts.

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. Like all travel insurance policies we don't cover everything. You should read the Product Disclosure Statement (PDS) carefully to ensure you select the cover that is best for you.

Medical Evacuation and Repatriation

Costs for additional travel and accommodation to transport you to the nearest appropriate medical facility.

Note that if 2 adults are insured on one policy the maximum benefit amount doubles.

Domestic

$50,000

Cancellation or Holiday Deferment Costs

Cover if you have to cancel your trip due to one of the events listed (e.g. illness or injury). For more information on trip cancellation coverage click here. Sub-limits apply.

Note that if 2 adults are insured on one policy the maximum benefit amount doubles.

Domestic

$10,000

Personal Liability

Cover for your liability caused by your negligence during the trip, including pre-approved legal defence costs.

Note that if 2 adults are insured on one policy the maximum benefit amount doubles.

Domestic

$300,000

Luggage & Personal Effects

Cover if your luggage and personal effects are stolen, permanently lost or accidentally damaged due to circumstances outside of your control. Depreciation and sub-limits apply. Additional cover is available by specifying your valuable items and paying an additional premium.

Note that if 2 adults are insured on one policy the maximum benefit amount doubles.

Domestic

$4,000

Coronavirus Travel Costs

Covers you for eight specific events related to Coronavirus (COVID-19), such as contracting the virus causing you to cancel the trip or causing your quarantine; a healthcare worker's leave being cancelled; or you being denied boarding due to your suspected infection with coronavirus. 

Note that if 2 adults are insured on one policy the maximum benefit amount doubles.

Domestic

$2,500

Rental Vehicle Insurance Excess

If you hire a car on your trip and have an accident our insurance pays up to $4,000 of any excess you may be liable for from the hire company. You can choose to increase this to a maximum of $6,000 on the Options page.

Note the benefit amount does not change for multiple adults.

Domestic

$4,000

Travel Delay

Cover if your pre-paid scheduled transport is delayed at least 6 hours for operational reasons (eg the airline delaying your flight for mechanical reasons) for reasonable additional meals and accommodation. Sub-limits apply. No excess applies.

Note that if 2 adults are insured on one policy the maximum benefit amount doubles.

Domestic

Up to $500

Missed Connection - Special Events

Additional public transport expenses to get to a pre-arranged wedding, funeral, conference or prepaid sporting event, concert or music festival.

Note that if 2 adults are insuredon one policy the maximum benefit amount doubles.

Domestic

$2,000

Accidental Death

Cover if you die as a direct result of an accidental injury on your trip. Sub-limits apply.

Note that if 2 adults are insured on one policy the maximum benefit amount doubles.

Domestic

$10,000

Snow Sports Cover Option

If you are skiing, snowboarding or participating in any other snow sports that we can provide cover for, you must add this option to be covered for cancellation and additional expenses. To learn more about Insurance for Snow Sports click here. Sub-limits apply, including:

Note that if 2 adults are insured on one policy the maximum benefit amounts below double.

Ski Lift Passes

Cover for non-refundable, pre-paid ski lift passes or ski equipment hire or tuition fees that cannot be used due to your illness or injury sustained during your trip.

Domestic

$1,000

Ski Run Closure

Cover for if you are prevented from skiing at a pre-booked ski resort for more than 24 continuous hours during your trip, because insufficient snow, too much snow or high winds caused a total closure of the lift system.

Domestic

Up to $1,000

Hired Snow Skiing Equipment

Cover for the reasonable cost of hiring replacement equipment if your snow skiing equipment is lost, delayed or damaged during the trip.

Domestic

$2,000

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

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