Compare Domestic Travel Insurance

Exploring your own backyard? Compare and find the best domestic travel insurance with Savvy.

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, updated on September 4th, 2023       

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Compare Travel Insurance Quotes in 30 Seconds

Whether you’re planning a road trip to Uluru or flying to Melbourne for the weekend, taking out travel insurance can give you peace of mind when you’re holidaying in Australia. Finding the right policy is essential, which is where Savvy can help.

Comparing with us allows you to weigh up the pros and cons of various travel insurance policies to help you make a more informed choice on which is the best option for you. Compare with Savvy today and find a policy which best suits your domestic travel today.

How do I compare domestic travel insurance?

If you’re looking for the best domestic travel insurance policy, conducting a comparison of policies with Savvy can help you sniff out the best deal for your next holiday. You’ll be able to weigh up the pros and cons of each product to find the right one for your holiday.

If you’re tossing up between a handful of providers and their products, consider some of the following variables:

Premiums

You’re bound to be keeping one eye firmly fixed on the cost of travel insurance when you’re shopping around for a policy. Keep in mind that the less you spend on insurance, the less coverage you’re likely to receive. Get a few quotes from providers which catch your eye and price match between them to see which works better with your holiday budget. This will allow you to compare to see which one offers the most coverage at an affordable cost.

Coverage

When you're completing a comparison of domestic policies, you’re more than likely going to have a keen interest in the coverage a particular policy provides. Compare the set of inclusions and exclusions from each provider to find a policy that offers coverage that best suits your getaway plans.

COVID-19 coverage

The pandemic has changed the way the world has travelled. As such, many travel insurance providers offer coverage for cancellations relating to COVID-19. This includes if you test positive and need to cancel your holiday or self-isolate. This coverage doesn’t extend to all companies, so it’s worth shopping around to find which travel insurance covers COVID-19-related costs if you want that little bit of extra peace of mind.

Excesses

Standard excesses tend to vary between $100 and $250 depending on the provider and policy you choose. There are even certain travel insurance companies that don’t charge an excess if you need to make a claim. Doing your homework and comparing these costs will allow you to find the most suitable option if you need to make a claim.

Claim limits

If your items or luggage are damaged or your ski resort is closed due to bad weather and you need to make a claim, your insurer will have limits on how much you have refunded. However, these vary between insurers, so it pays to complete a quick comparison between your preferred options. For example, some will allow you to claim up to $15,000 if you lose your luggage while other providers may only allow you to claim up to $3,000.

Optional extras

If you’re taking your ski gear to Thredbo for a snow holiday or going dirt biking in the Kimberley desert, you’ll need to take out extra coverage so you’re covered while you’re away from home. The cost of coverage for these ‘higher-risk’ activities can vary between insurers, so it’s best to compare policies to find the best price and most suitable cover.

Cooling-off periods

Travel insurance policies usually come with cooling-off periods ranging from two to four weeks. Getting a policy with a longer period allows you to cancel your policy for free if you change your mind and get a full refund. This can be handy if you find another policy which catches your eye on the market or decide not to travel.

What types of domestic travel insurance should I compare?

Travel insurance companies offer several types of domestic policies to suit a wide range of travellers. Whether you’re spending a heap of money on your Australian holiday or travelling light, you’ll get the choice of the following policies when you’re shopping around for your travel insurance. To find the best domestic travel insurance for you, you can choose from the following:

Basic

Tailored to those travelling on a budget, travel insurers offer base-level coverage which only covers you for cancellation of non-refundable bookings. You’ll be able to claim your deposits, travel agent fees and other pre-paid expenses back, up to a set limit, if you need to cancel your holiday because of a covered reason.

Comprehensive

You can take out top-level coverage if you’re exploring Australia’s regions and want a little bit of extra protection. These policies are more expensive than base-level insurance; however, you’ll have the benefit of better coverage. Domestic comprehensive policies can cover you for lost or stolen luggage, cancellations or delays and even the excess on a hire car if your ride is damaged.

Single trip

Only taking one holiday this year? You can take out a single trip domestic policy which covers you for one round-trip holiday within a 12-month window. This type of policy can be an inexpensive way to travel if you aren’t a frequent holidayer.

Multi-trip

Are you a grey nomad who enjoys cruising the open road in their RV or a family making regular getaways? Multi-trip or annual travel insurance policies allow you coverage for multiple holidays over a year. These annual policies have caps on how long you can travel at each time, which is usually between 15 and 30 days per trip and total coverage of about 90 days.

Cruise

Sitting on the deck of a cruise liner can be the perfect way to lap up Australia’s pristine coastline. Even though you’re sailing through Australian waters, it’s still recommended you take out travel insurance to cover for a range of on and off-board incidentals, such as missing your embarkment or the cancellation of on-shore activities. It will also cover you if you get sick aboard your boat and there aren’t any Medicare-registered doctors available. Depending on who your provider is, this is either offered as an optional extra or automatically covered.

What does domestic travel insurance cover?

No matter how well you plan your holiday, the unexpected can still occur. Everything from natural disasters, travel delays or illness can derail your holiday plans and potentially leave you out of pocket. By taking out domestic travel insurance, you reap the reward of several protections and benefits that can give you peace of mind when you’re exploring your home country. These include:

  • Cancelled bookings: it can be incredibly disappointing if you’re struck down with an illness or sustain an injury which puts an end to your holiday plans. If you need to call off your trip, your domestic insurance will help you recoup any deposits you’ve pre-paid for hotels, tours and any other expenses relating to your holiday.
  • Delays or disruptions: if your flight is delayed or disrupted and you need a place to rest your weary head and something to eat, your travel insurance has your back. Your provider can cover the cost of accommodation while you wait for your scheduled flight as well as a meal. If your bags are also delayed, they’ll also cover the cost of purchasing replacement clothes and toiletries.
  • Lost or stolen luggage: having your baggage stolen or go missing on your holiday can leave you without a whole range of personal items while you’re travelling. If this happens, your insurance company will cover the cost of replacing your luggage up to your pre-agreed claim limit. Insurers will also cover the cost of repairing or replacing personal items or luggage which are damaged while on holiday.
  • Personal liability: if you’re caught up in an incident which causes damage to someone’s property or injury to another person and are found personally liable, most insurers will cover any related legal expenses up to $5 million.
  • Rental vehicle excess: hiring a car can be a great way to get around whether you're cruising the Great Ocean Road or criss-crossing the country. If your rental vehicle sustains damage, your insurance company will cover the cost of your excess up to your claim limit. This limit is usually around $5,000.
  • Accidental death: your insurance company will pay for the safe return of your body home and any funeral expenses if you die while on holiday due to a covered accident. The claim limits on these benefits tend to be about $25,000; however, this depends on who you choose to purchase insurance through.

Types of travel insurance

Why compare travel insurance with Savvy?

Top tips for saving money on your domestic travel insurance

Compare with Savvy

Completing the travel insurance comparison process with Savvy allows you to get a crystal-clear idea of which offers the best coverage at the best price. You’ll be able to do a side-by-side comparison of products from some of Australia’s leading companies to find the best option for you.

Choose a higher excess

You can save money on your premium by opting for a more significant excess on your domestic policy. This is because you’re willing to stump up more money out of pocket if you need to make a claim. However, it’s still a good idea to make sure the excess you choose is affordable.

Consider the extras

Insurance companies offer a bunch of added extras such as snow sports cover and add-ons for high-risk activities such as rock climbing or scuba diving. Certain providers may roll these added extras into your standard coverage, which may save you money.

Weigh up how often you travel

If you’re a frequent traveller, it may be cheaper to take out an annual travel insurance policy rather than several individual ones. Consider how often you’re planning on being away over the next 12 months and work out if it’d save you money.

Frequently asked domestic travel insurance questions

Am I required to purchase domestic travel insurance to take a cruise?

While it’s not universally compulsory, there are many cruise ships which won’t allow you to board unless you have travel insurance. The federal government recommends travellers take out coverage, even for domestic cruises, so you’re covered for a range of on and off-shore incidentals, including medical expenses. In many cases, boats don’t have Medicare-accessible doctors aboard, which is why it’s important to have adequate protection.

Will domestic travel insurance cover me if I’m pregnant?

Many domestic policies will cover you if you need to cancel your trip due to a complication with your pregnancy or receiving advice not to travel from your doctor. However, any medical expenses won’t be covered within your home country, as they’ll be covered by Medicare or your private health provider.

Does it cost extra to include my children in my policy?

Most travel insurance companies allow you to include any dependent children on your policy for free. This is provided that the children are under a certain age (usually about 20 to 25 years old), aren’t working full-time and are spending the entirety of the holiday with you.

Will domestic travel insurance cover travel to neighbouring countries?

Taking our domestic travel insurance won’t necessarily cover you if you want to travel to New Zealand, for example, but you can be protected if you want to travel to some of Australia’s islands. Some of these include:

  • Bruny Island
  • Christmas Island
  • Fraser Island
  • Kangaroo Island
  • Lord Howe Island

However, it’s important to keep in mind that some insurance companies won’t cover you for cruises away that leave the Australian coastline.

How do I make a claim on my domestic travel insurance?

If you run into trouble while you’re on your travels and need to make a claim, it’s easy enough to do through your insurance company online or over the phone. After you’ve reviewed your Product Disclosure Statement and checked you’re covered for what you’re claiming, you can begin the claim process which includes:

  • Filling in a claim form with ample detail
  • Supplying supporting documents such as receipts, police reports, statements and photographs
  • Providing your bank account details for payment

 

It’s essential to reply promptly if your insurer asks for additional information. This will reduce delays and improve the chance of your claim being approved faster.

Can I purchase domestic travel insurance if I’m over 80?

Yes – some travel insurance providers will allow you to purchase a policy if you’re over 80, with some insuring travellers up to the age of 99. Keep in mind, though, that many companies have age limits on their policies, usually starting from 65 years old. There are even some who require you to get your travel plans approved by your doctor if you’re over 70.

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Disclaimer:
We do not compare all travel insurance brands currently operating in the market. Any advice presented above or on other pages is general in nature and does not consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

Savvy earns a commission from our partners each time a customer buys a travel insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via their websites.

Before purchasing your policy, we recommend you refer to the provider’s PDS for any further information on the terms, inclusions and exclusions.