Domestic Travel Insurance for Australians
Protect your Australian holiday with domestic travel insurance
Most people know the value of international travel insurance. But did you know it’s just as important to have travel insurance when travelling around Australia?
Whether you’re going on a family holiday to the Gold Coast, going on a hike in Tasmania, or enjoying a long weekend city break in Sydney, a domestic insurance policy may help protect you and your finances should something go wrong.
At Cover-More, we have three Domestic Plans to help cater to all budgets and trip types. Below you’ll find useful information about our domestic travel insurance for Australia and why it’s important. Plus, check out our domestic travel insurance FAQs for extra questions our customers often ask.
Read the PDS and are ready to buy? You can get a quote online or call our friendly team on 1300 72 88 22 to purchase over the phone.
Skip ahead to read:
- What is domestic travel insurance?
- Do I need travel insurance when travelling in Australia?
- Does Cover-More have domestic plans?
- Can I add extras to my domestic travel insurance policy?
- Can I buy a domestic Annual Multi-Trip policy?
- How do I buy a Cover-More domestic travel insurance policy?
- Do Cover-More domestic plans include cancellation cover?
- Do domestic travel insurance policies provide medical cover?
- Do I need travel insurance for a domestic cruise?
- Am I covered for domestic driving holidays?
- What excess will I pay?
- Can I travel in Australia while pregnant?
- What is the best domestic plan for senior travellers?
What is domestic travel insurance?
For Australian residents, domestic travel insurance is a type of travel insurance that provides cover for trips taken within Australia.
Depending on the type of policy you buy, most domestic plans for Australia offer coverage for expenses such as lost or damaged luggage and travel documents, rental vehicle insurance excess, additional expenses, amendment or cancellation costs, sporting activities, and winter snow sports.
Do I need travel insurance when travelling in Australia?
There are always risks when you travel even on domestic trips. Incidents can happen as easily in Sydney as they can in Singapore, your luggage can become delayed or lost on a flight to Darwin just as they can on a flight to Dublin, and if your child becomes unwell and you need to cancel your trip, it doesn’t matter if you were travelling to Brisbane or to Barcelona.
Travel insurance for Australian trips can help protect you from unexpected mishaps and events outside of your control ruining your trip – and your finances.
While domestic travel insurance does not cover medical expenses in Australia, it provides cover for several other important benefits. For details on what our Cover-More domestic plans cover, view our benefits table below.
Think you can risk travelling in Australia without travel insurance? Here are three claim stories from real-life Cover-More customers who needed the protection of their domestic policy:
- A customer was diagnosed with skin cancer and had to cancel their entire family trip. Amendment and Cancellation claim value: $20,000
- A customer’s rental car was written off after a third-party collision. Rental Car Insurance Excess claim value: $4,000
- An airline lost a customer’s suitcase, and the items were not recoverable. Luggage claim value: $2,500
Find out how affordable cover can be by getting a quote online or call our team on 1300 72 88 22. We can help you find our best domestic travel insurance plan that suits your needs.
Does Cover-More have domestic plans?
At Cover-More, we have three types of domestic plans to allow you to choose the best travel insurance for your trip in Australia:
- Domestic Comprehensive+
- Domestic Comprehensive
- Domestic Basic
Below, you can compare our Domestic Plan benefits and benefit limits:
| Domestic Basic (Single Trip) | Domestic Comprehensive (Single Trip or Annual Multi-Trip) | Domestic Comprehensive+ (Single Trip or Annual Multi-Trip) |
|---|---|---|
| COVID-19 | ||
| Limited cover applies. Compare our domestic COVID-19 cover here. | ||
| Additional Expenses* | ||
| $10,000 | $10,000 | $25,000 |
| Return of mortal remains | ||
| Included in limit above | Included in limit above | Included in limit above |
| Pet cat or dog boarding* | ||
| $Nil | $300 | $300 |
| Travel Services Provider Insolvency | ||
| $Nil | $5,000 | $10,000 |
| Amendment or Cancellation Costs* | ||
| $Cover chosen^ | $Cover chosen^ | $Cover chosen^ |
| Cancellation Extensions | ||
| Upgrade: If your non-travelling relative or business partner becomes ill, injured, or dies | ||
| X | ✓ | ✓ |
| Upgrade: If there are complications of pregnancy from the start of the 24th week up until the start of the 32nd week (or up to the start of the 28th week for a multiple pregnancy)^^ | ||
| X | ✓ | ✓ |
| An act of terrorism | ||
| X | ✓ | ✓ |
| If your pet cat or dog becomes ill or injured or dies | ||
| X | ✓ | ✓ |
| Wedding-related cancellation | ||
| X | ✓ | ✓ |
| Dissolution of your relationship with your spouse or de facto | ||
| X | ✓ | ✓ |
| Luggage and Travel Documents* | ||
| $Nil | $5,000 | $15,000 |
| Phone or smart watch - limit per item• | ||
| $Nil | $1,500 | $2,500 |
| Camera or video camera - limit per item• | ||
| $Nil | $4,000 | $6,000 |
| Laptop computer - limit per item• | ||
| $Nil | $4,000 | $5,000 |
| Tablet computer - limit per item• | ||
| $Nil | $3,000 | $3,000 |
| Drone (with or without camera) - limit per item• | ||
| $Nil | $1,200 | $2,000 |
| Artificial limb, removable dental appliance, dentures or medical device e.g., hearing aids, CPAP machine - limit per item• | ||
| $Nil | $1,200 | $1,500 |
| Jewellery or watch or any other item - limit per item• | ||
| $Nil | $1,200 | $1,500 |
| Delayed Luggage Allowance* | ||
| $Nil | $1,100 | $1,500 |
| Money | ||
| $Nil | $250 | $500 |
| Driving Holidays | ||
| Cover for the insurance excess on your personal vehicle | ||
| X | $2,500 | $2,500 |
| Rental vehicle insurance excess | ||
| X | $5,000 | $5,000 |
| Rental vehicle comprehensive cover | ||
| X | X | ✓ |
| Travel Delay* | ||
| $Nil | $1,000 | $1,000 |
| Resumption of Journey | ||
| $Nil | $Nil | $2,000 |
| Missed Connections | ||
| $Nil | $Nil | $2,000 |
| Special Events | ||
| $Nil | $2,000 | $2,000 |
| Loss of Income* | ||
| $Nil | $30,000† | $45,000† |
| Disability | ||
| $Nil | $25,000† | $30,000† |
| Accidental Death | ||
| $Nil | $25,000† | $30,000† |
| Personal Liability | ||
| $1,000,000 | $2,500,000 | $5,000,000 |
| Business Pack | ||
| Business equipment | ||
| X | X | $7,500 |
| Business equipment hire | ||
| X | X | $1,500 |
| Alternative staff | ||
| X | X | $15,000 |
| Business money | ||
| X | X | $2,000 |
| Kidnap and ransom | ||
| X | X | $250,000 |
| Adventure Activities | ||
| Included activities | ||
| See our adventure page or the PDS for full details | ||
| Adventure Activities | ||
| Option to vary cover | ||
| Adventure+ Activities | ||
| Option to vary cover | ||
| Motorcycle/Moped Riding Cover | ||
| Motorcycle/Moped Riding Cover | ||
| Option to vary cover | ||
| Motorcycle/Moped+ Riding Cover | ||
| Option to vary cover | ||
| Snow Sports Cover | ||
| Snow Sports Cover | ||
| Option to vary cover | ||
| Snow Sports+ Cover | ||
| Option to vary cover | ||
* Sub-limits apply. Please refer to the PDS for full policy conditions.
~ Cover will not exceed 12 months from onset of the illness, condition, or injury.
^ Cover chosen applies per policy.
^^ Conditions apply if you are aware of the pregnancy at the relevant time. For a single trip policy, relevant time means the time of issue of the policy and for an annual multi-trip policy it means the first time at which any part of the relevant trip is paid for or the time at which the policy is issued, whichever occurs last.
† Liability collectively for Loss of Income, Disability and Accidental Death is $45,000 on the Comprehensive+ Plan and $30,000 on the Comprehensive Plan.
• Item limit applies for any one item, set or pair of items including attached and unattached accessories. You may increase these items limits if You wish. See PDS for full details.
Each domestic travel insurance plan offers different levels of cover, so it’s important to read the PDS to find out what’s best for you, and what you are and aren’t covered for.
Can I add extras to my Cover-More domestic travel insurance policy?
Are you hitting the slopes on your Australian holiday? Or water-skiing on the River Murray? Or maybe you’re planning on motorcycle riding in the countryside?
All our domestic plans allow you to vary your cover by including extra cover for an additional premium. These include cover for:
- Snow or winter sports
- Motorcycle/moped riding
- Adventure activities (beyond those automatically included)
You can add one or more of these options to your cover when you generate a Cover-More quote.
For full details on what each of these options to vary your policy do and don’t cover, read the relevant sections in the PDS.
Can I buy a Cover-More domestic Annual Multi-Trip policy?
Yes, an Annual Multi-Trip policy is available on both our Domestic Comprehensive and Domestic Comprehensive+ plans. (Our Domestic Basic Plan is for Single Trip policies only.)
If you’re a frequent traveller, a domestic annual multi-trip policy for Australia could be handy to have as any trip more than 250 kilometres from your home – or any trip under 250 kilometres if it includes at least one night of paid accommodation with an accommodation provider or supplier – is covered by your domestic policy.
To help find our best domestic travel insurance for you, get a quote online or call us on 1300 72 88 22.
How do I buy a Cover-More domestic travel insurance policy?
To purchase domestic travel insurance on our website, select “Australia” as your destination under “Where are you going?” in the quote box.
If you’re going on a cruise for two or more nights in Australian waters, select “Domestic Cruise” as your destination to ensure you’re quoted for an international policy that includes cover for medical expenses outside of Australia while on the cruise.
Note: Do not choose “Australia Inbound” unless you’re a non-Australian resident visiting Australia.
Continue to fill in the rest of your travel details under “When is your trip?” and “Who is travelling?” and then click ‘Get Quote’ to generate a price.
From here, you can select the best domestic travel insurance plan for you, opt for a Single Trip policy (available on all plans) or an Annual Multi-Trip policy (available on our comprehensive plans only), include any options to vary your cover, and advise us of any existing medical conditions you’d like covered before purchasing your policy.
If you need assistance with finding the right plan for you or have questions about cover for an existing medical condition, call us on 1300 72 88 22.
Do Cover-More domestic plans include cancellation cover?
Our Cover-More domestic travel insurance policies can offer coverage in case you need to amend or cancel your trip within Australia for an unexpected reason.
Cancellation cover is not automatically included in our plans, but you can add the amount of cancellation cover that best suits your trip during the quote process. The level of cancellation cover you choose will influence your premium.
If you choose a Domestic Comprehensive and Domestic Comprehensive+ Plan, you’ll also receive cover for additional cancellation extensions within your cancellation cover. These provide cover for cancellation reasons that would not be covered under usual circumstances, such as:
- Illness, injury, or death of a non-travelling relative or business partner
- Pregnancy-related cancellation
- An act of terrorism
- Pet-related cancellation
- Wedding-related cancellation
- Dissolution of your relationship
Please refer to the PDS for limits, exclusions, and conditions related to our cancellation cover.
Do domestic travel insurance plans provide medical cover?
No, domestic plans in Australia do not provide medical cover to travellers.
This means we’re unable to cover your medical expenses incurred within Australia if you are an Australian resident or eligible overseas representative. We encourage you to contact Medicare or your private health fund to discuss the medical coverage options available to you while you’re in Australia.
Medicare and private health funds do not cover medical facilities on a cruise ship, so it’s important to consider an international travel insurance plan if you want medical coverage for cruise travel. If you’re going on a domestic cruise, we can provide cover for unforeseen medical expenses while you’re on board. You will need to select “Domestic Cruise” as your destination when generating a quote and answer “Yes” to travelling on a cruise for two or more nights for this to apply.
Do I need travel insurance for a domestic cruise?
Cruise holidays are an exciting way to see Australia. If you’re about to set sail on a domestic cruise, we can provide travel insurance cover for a domestic cruise with our international plan options.
Did you know Medicare and/or your private health insurance will not cover the costs of using the medical facilities on a cruise ship, even if it is staying within Australian territorial waters? This means you may be out of pocket if you need to see a doctor unexpectedly while on board.
If you’re a Cover-More travel insurance policyholder and you have told us you are going on a cruise, you can be protected from unexpected expenses related to:
- Cruise cancellation (when you choose a level of cancellation cover to add to your policy)
- Onboard medical and emergency dental
- Ship to shore medical expenses
- Sea sickness cover
Interested in buying cover for your Australian cruise? Select “Domestic Cruise” as your destination in the quote box and then answer “Yes” if you are travelling on a cruise for two or more nights.
Does Cover-More provide cover for domestic driving holidays?
If you’re hitting the road for your domestic holiday in Australia, our Cover-More team can help protect your trip whether you’re hiring a rental vehicle or driving your own car.
If you’re a Domestic Comprehensive or Domestic Comprehensive+ policyholder, you’ll receive the below cover:
| Benefit | Domestic Comprehensive | Domestic Comprehensive+ |
|---|---|---|
| Cover for the insurance excess on your personal vehicle | $2,500 | $2,500 |
| Rental vehicle insurance excess | $5,000 | $5,000 |
| Rental vehicle comprehensive cover | X | ✓ |
You’ll find more information on our domestic travel insurance benefits for driving holidays in Australia here, and we strongly encourage you to read the Product Disclosure Statement so you are aware of what is and isn’t included in the plans.
Note: “rental vehicle” means a campervan/motorhome/caravan that does not exceed six tonnes, SUV, sedan, station wagon, hatchback, people mover, coupe, convertible, four-wheel drive or mini bus rented from a licensed motor vehicle rental company, car club company or agency.
What excess do I pay on Cover-More domestic policies?
A $50 excess applies to our Cover-More Domestic Plans.
An excess is the first part of a claim that we will not pay. The excess amount is applied to each separate claimable event.
The excess does not apply to all sections - see the Domestic Plans benefits table in the PDS, which shows the benefits that an excess applies to in the event of a claim.
Check out our dedicated FAQs for domestic travel insurance for more information.
Can I travel in Australia while pregnant?
Being pregnant doesn’t necessarily mean you have to stop travelling – especially when you have that babymoon to take! At Cover-More, we can provide limited travel insurance cover for pregnancy up to the 24th week (23 weeks, 6 days). The Cancellation Extensions benefit upgrade on our Domestic Comprehensive and Domestic Comprehensive+ Plans, may also provide cover for cancellations if there are complications of pregnancy from the start of the 24th week up until the start of the 32nd week (or up to the start of the 28th week for a multiple pregnancy^^).
For more information, read our travel insurance cover for pregnancy page, or call us on 1300 72 88 22 with any questions.
Limits, exclusions, and conditions apply, so please refer to the PDS for full policy conditions before you consider purchasing this product.
^^Conditions apply if you are aware of the pregnancy at the relevant time. For a single trip policy, relevant time means the time of issue of the policy and for an annual multi-trip policy it means the first time at which any part of the relevant trip is paid for or the time at which the policy is issued, whichever occurs last.
What is the best domestic plan for senior travellers?
Your “golden years” are an ideal time to explore – why not start with Australia?
At Cover-More, our domestic plans have several benefits suitable for seniors if you are younger than 99 years old. Visit our travel insurance benefits for seniors page and our seniors FAQs page for helpful information on how to protect your upcoming domestic trip with Cover-More.
If you’d prefer to speak to someone about our domestic travel insurance options that are suitable for seniors, you can call our friendly team on 1300 72 88 22. Alternatively, you can get a quote online.
Want us to protect your next Aussie holiday?
Find our best domestic travel insurance plan for you today.