Domestic Travel Insurance
I’m travelling in my own country, why would I need travel insurance?
Australia is a wonderful place to explore and while Medicare will cover you for medical expenses, you might still want to have cover for the unexpected. Things like accommodation for your loved ones should you need to stay in hospital away from home, rental vehicle excess cover, lost or stolen luggage or cover for cancellation costs.
We offer a fully comprehensive travel plan, Domestic Comprehensive Care; or cancellation only cover, Domestic Cancellation.
Will Domestic Comprehensive Care cover me on a cruise?
The Domestic Comprehensive Care policy does not include cruise cover options, other than for cruises within Australia (e.g. on the Murray River) or in Australian Coastal Waters (e.g. a Kimberley Cruise), as there is no medical or dental cover included in domestic policies. However, for all other domestic cruises we have a specific policy type for cover while on board ship in Australian waters, and to get the correct cover if you are going on a cruise you will need to use our Domestic Cruise policy. Please visit our cruise page for information about which destination to select depending on your cruise type.
Domestic Comprehensive Care Benefits
| Benefit | Benefit Level | Benefit Description |
|---|---|---|
| Additional expenses | $10,000 | Cover for unexpected travel costs such as when:
|
| Amendment or Cancellation | $You Choose^ | Cover for trip amendments or cancellation if an unexpected event occurs, such as:
|
| Luggage and travel documents | $6000 | Cover is included (limit per item*) for lost, stolen or damaged personal belongings, including:
|
| Rental car insurance excess | $6000 | If your vehicle is stolen or damaged there’s cover for the excess you’re required to pay. |
| Bonus cover for personal vehicle excess | $2500 | If your vehicle is stolen or damaged there’s cover for the excess you’re required to pay. |
| Travel delay | $750 | If your travel is delayed for at least 6 hours by an unexpected event outside your control, there’s cover for additional costs in accommodation (sub-limits apply). |
| Special events | $2,000 | If due to an unforeseeable circumstance outside Your control Your Journey would otherwise be delayed resulting in You being unable to arrive in time to attend a wedding, funeral, 25th or 50th wedding anniversary or, a prepaid conference, concert, music festival or sporting event. |
| Travel Services Provider Insolvency | $5,000 | Cover for if a scheduled services airline, hotel, accommodation provider, car rental agency, coach, bus, shipping line or railway company becomes insolvent. |
| Disability | $30,000+ | Cover for If You suffer an event that causes your permanent disability. |
| Accidental death | $30,000+ | If You pass away we will pay this amount to your estate. |
| Loss of income | $45,000+ | If You loose your income due to You being unable to return to Your usual place of employment in Australia. |
| Personal liability | $200,000 | If You become unintentionally legally liable to pay compensation in respect to damage caused to someone else’s property or the injury or death of someone else. |
If you only want to protect your deposits or other outlays, you can choose our Domestic Cancellation product. This allows you to choose your own level of cancellation cover should something unexpected happen and you can no longer take your tip.
Domestic Cancellation Only Benefits
| Benefit | Benefit Level | Benefit Description |
|---|---|---|
| Additional expenses | $You Choose^ (Up to Maximum $1,500) | Cover for unexpected travel costs such as when:
|
| Amendment or Cancellation | $You Choose^ (Up to Maximum $1,500) | Cover for trip amendments or cancellation if an unexpected event occurs, such as:
|
- ^ The level of cover You choose applies per policy.
- * 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.
- + Maximum liability collectively is $45,000.