Domestic travel insurance: Australia

While Medicare can help with a range of medical mishaps during your staycation, you’ll want domestic travel insurance if you’re seeking cover for trip cancellations, theft or damage to your belongings and rental vehicle excess cover.

Top pick: Domestic trips
  • 10% off using code Finder10
  • Claim up to $5,000 for Covid
  • $7,500 rental car excess cover
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Domestic travel insurance and COVID-19

Lots of domestic travel insurance policies cover COVID-related expenses. These can include:

  • Trip rearrangement or cancellation costs if you, a fellow traveller or your host gets COVID and it impacts your trip
  • Expenses if you're unexpectedly forced into quarantine during your trip
  • A prepaid activity that's booked in Australia or New Zealand is shut down
  • Extra child care costs if you get COVID

Here are some brands offering insurance for domestic trips

BrandCOVID-19 medical expensesCovid-19 related cancellationAirline cancellation (pre-departure)Border closuresCooling off periodApply
Medibank Travel Insurance
$5,000
21 daysGet a quote
Qantas travel insurance
$2,500
21 days Get a quote
Freely Logo
$5,000
21 days Get a quote
ahm life insurance
$5,000
21 daysGet a quote
InsureandGo Logo
$5,000
14 days Get a quote
Kogan travel insurance logo
$5,000
21 daysGet a quote
Tick Logo
$2,500
14 days Get a quote
Zoom logo
14 days Get a quote
Fast Cover Logo
$5,000
14 days Get a quote
Insure4Less Travel Insurance Logo
14 days Get a quote
Travel Insuranz Travel Insurance Logo
14 days Get a quote
World2Cover Logo
$3,500
21 days Get a quote
Covermore logo
$5,000Some cover
21 days Get a quote
Southern Cross LogoSCTI
Limit chosenSome cover
14 days Get a quote
Travel Insurance Saver
$10,000
21 days Get a quote
Easy Travel Insurance
$5,000
21 days Get a quote
All clear travel insurance logo
$5,000
14 daysGet a quote
1Cover Logo
14 daysMore info
Boomers Logoboomers-travel-insurance
Limit chosen
14 daysMore info
Travel Insurance Direct Logo
$2,500
21 days More info
Picture not described
$2,500Some cover
21 daysMore info
Worldcare
Limit chosenSome cover
14 daysMore info
Travel with Kit Logo
$15,000
14 daysMore info
Travel with Jane Logo
$15,000
14 daysMore info

Good reasons to get domestic travel insurance in Australia

Yes, you've got Medicare but there are lots of other ways travel insurance can come in handy:

  • Cancellations. This can include anything you've pre-booked – flights, accommodation, excursions and more.
  • Luggage. Lost and delayed luggage has been more common since COVID. Travel insurance can cover essentials so your trip isn't disrupted.
  • Hiring a car. Rental car excess cover is often included in your domestic travel insurance policy so you can avoid the pricey insurance at the dealership.
  • Snow trips. Most brands offer ski insurance policies that will cover your equipment and reimburse you for unused lift passes if something goes wrong. There are similar policies for golfers too.

Compare domestic travel insurance

There are loads of domestic travel insurance policies to choose from. While most cover similar situations, you will find some differences with price and benefit limits. It's also often the case that certain benefits are automatically included or offered as add-ons.

Here is a list of some of our partners and how their domestic policies compare. The policy cost is based on a hypothetical 7-day trip taken by a 28-year-old traveller between 1 and 7 February 2023.

Tick

Top Domestic

InsureandGo

Gold Domestic

Fast Cover

Domestic Plus

Trip cancellation

$20,000

$50,000

Unlimited
Emergency expenses

$50,000

$25,000

$50,000
Travel delay expenses

$1,000

$1,500

$2,000
Luggage and personal belongings

$7,500

$8,000

$7,500
Resumption of journey

No cover

$3,000$3,000
Rental car excess

$4,000

$7,500$5,000
Policy cost$66.76$68.56$64.99
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Top pick for domestic trips: InsureandGo

Insureandgo logo

What we like about InsureandGo:

  • It's good if you're renting a car. Its top policy will cover the rental car excess for up to $7,500 if your car is damaged, stolen or involved in an accident – that's more than all other 13 insurers we looked at for this category. The second highest is $5,000.
  • InsureandGo's Gold policy has some of the highest claim limits on the market including a $50,000 cancellation cover limit and up to $8,000 towards lost or stolen luggage.
  • You can claim up to $5,000 for COVID cancellation and rearrangement costs.
Get a quote

InsureandGo Travel Insurance

How to find the best domestic travel insurance

The best domestic travel insurance policy is the one that offers high benefit limits for the situations that matter most to you and also covers you for a wider variety of situations.

Here are some ways you can identify which policy is the best one for you:

  • What are the benefit limits? A benefit limit is the maximum amount of money you can be repaid for any specific area of cover. For many travellers, the most important areas of cover will be trip cancellation and lost luggage. Look for policies with unlimited cancellation cover and enough lost luggage cover to replace all of your luggage and personal belongings if someone stole them or the airline lost them.
  • Are you going to a wedding or other special event? If a transport delay will cause you to miss a special event (such as a wedding, funeral or 50th wedding anniversary), the best policy will cover your expenses to make last-minute arrangements to be there on time. Other policies might pay you back for some of the money you spent on the event if you miss it, but they won't do anything to get you there on time.
  • Are you renting a car? If you take out car insurance on your rental car, your out-of-pocket expenses (or your excess) can run into thousands of dollars if you cause an accident. Rental car excess insurance will help you pay for that. Most policies offer this, but the best policy will be the one that offers you cover for the excess amount of the vehicle, no more or less. You can find out your car hire excess before or when you book your rental car.
  • Does it automatically cover special activities? Many policies will make you pay extra if you want to be covered for riskier activities such as skiing, motorcycle riding and cruising. If you will be doing any of these activities, the best policy will cover them automatically or at very little extra cost.

How to find cheap domestic travel insurance

Finding a cheap domestic travel insurance policy shouldn't be difficult. Here are a few simple ways you can reduce your domestic travel insurance premium:

  • Buy a bare-bones policy. Some insurers offer budget policies that only cover you for the most costly risks, like needing to cancel your trip or cut it short due to an emergency. Obviously, you won't be covered for as much, but if you're looking to save, this is the easiest way to do it.
  • Increase your excess. You can reduce your premium by agreeing to pay a higher excess on your claims. Just don't increase your excess to a level you'd have a hard time paying.
  • Bargain shop. Insurers often run special promotions. If you look hard enough, you'll find coupon codes, giveaways and loyalty incentives.
  • Buy a joint policy. Many insurers will give you a discount if you and your travelling companion (be it friend or partner) take out a policy together. You'll each receive full benefits in most cases.
  • Don't add options you don't need. Some people need extra cover, especially if their trip involves expensive hobbies like skiing. But if your flights and activities didn't cost much, you can go with a more no-frills policy instead.
  • Shop around. It definitely pays to weigh your options. Once you've determined what you need, comparing policies becomes much easier. Review your options carefully and pay attention to each policy's features, limitations and exclusions.

What's not covered with domestic travel insurance?

Because of Australia's public healthcare system, Medicare, domestic travel insurance rarely provides medical cover. As well as this, insurers will provide you a list of circumstances that will void your cover. These are called exclusions. Here are some you may encounter:

  • You didn't disclose a pre-existing condition. You'll be denied for claims related to pre-existing conditions unless your insurer approved it ahead of time. If you have an ailment, tell the insurer before signing up.
  • You were careless with your belongings. Don't leave your stuff unattended. If it's stolen, the insurer won't replace it.
  • You acted recklessly. Say goodbye to your claim if you're drunk or high, or if you break the law.
  • You ignored medical advice. If the doctor says don't travel, you should probably listen. It's dangerous to your health and your claim.
  • You cancelled your trip for no good reason. Your insurer won't reimburse you just because you changed your mind about travelling.

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28 Responses

    Default Gravatar
    johnMarch 28, 2022

    looking for insurance to cover cancellation of hotel booking if it is a necessity to do so

      Avatarfinder Customer Care
      JamesApril 2, 2022Staff

      Hi John,

      Most comprehensive policies cover the costs of cancellation if it is due to unforeseen circumstances, such as illness or a death in the family.

      There are also some providers that have added additional cover for some situations linked to COVID-19. You can see some examples of travel insurance that covers COVID in our guide.

      There are a number of instances you won’t be able to claim for, such as if you’re unable to travel due to general travel restrictions such as lockdowns. Also, you can’t claim if you change your mind or book your travel after there’s been a warning for your holiday destination.

      Regards,
      James

    Default Gravatar
    davidFebruary 12, 2022

    best domestic travel policy including cancellation for seniors on organized tour

      Avatarfinder Customer Care
      JamesMarch 2, 2022Staff

      Hi David,

      We can’t say what the ‘best’ option is, as the right travel cover will depend on your individual circumstances.

      However, you could look at our guide to seniors travel insurance and compare a range of policy features side-by-side.

      Don’t forget to review the provider’s PDS before committing to any insurance.

      Regards,
      James

    Default Gravatar
    SusanJanuary 9, 2019

    I’m trying to find which travel insurers will cover the 2 of us for an Australian interstate trip that has a flight to Bali in it. Is there just one policy I can purchase and with whom?

    Thank you,
    Susan

      Avatarfinder Customer Care
      JeniJanuary 12, 2019Staff

      Hi Susan,

      Thank you for getting in touch with Finder.

      On this page you’re looking at you may enter all your destinations to start comparing your options. I suggest that you contact your chosen insurer to discuss your coverage and for further assistance on getting travel insurance to cover you and your companion.

      You may want to read more about getting travel insurance for your Bali trip.

      I hope this helps.

      Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

    Default Gravatar
    BarbaraAugust 7, 2017

    I am going to rent a hire car. All the extra costs in case of an accident make it very expensive. Can I take out domestic insurance to help cover these extra costs.

      Default Gravatar
      JonathanAugust 7, 2017

      Hello Barbara,

      Thank you for your inquiry.

      Please feel free to check your travel insurance car excess options. Use our comparison table on that page to find the right policy for you. Once you’re done comparing, select the “Get Quote” button to learn more.

      Please review the fine print and the requirements for cover.

      Hope this helps.

      Cheers,
      Jonathan

    Default Gravatar
    JanJuly 2, 2017

    Is Christmas Island considered to be domestic?

      Avatarfinder Customer Care
      RenchJuly 2, 2017Staff

      Hi Jan,

      Thanks for your inquiry.

      Christmas Island is considered as international. You may check our page about international travel insurance to learn more about your travel and how you can find the right policy for you.

      I hope this helps.

      Cheers,
      Rench

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