Travel insurance isn't just important for sprawling international holidays; it can offer plenty of benefits for travellers who are planning a domestic getaway. Whether you want further protection for your luggage, cancellations or other unexpected circumstances, you can compare a range of domestic travel insurance offers with Savvy.
We're partnered with some of the leading travel insurance providers in Australia so you can consider high-quality offers for your upcoming trip. You can get the process started with a free, no-obligation quote right here with us today.
What is domestic travel insurance and how does it work?
Even while you travel your home country, there is still potential for the unexpected to happen. Domestic travel insurance is designed to protect you if an unforeseen event, which is covered under your policy and meets any relevant qualification criteria, occurs while on your travels within Australia. As Medicare or private health insurance will cover the costs of medical events here in Australia, medical cover is exempt from domestic travel insurance, generally making it cheaper than international travel insurance.
In terms of how this type of travel insurance works, it offers policyholders the ability to make a claim, which may enable them to be reimbursed a certain amount if an unexpected situation unfolds whilst on their travels. If the event is covered and your claim is approved, your insurer can pay you a set amount to cover out-of-pocket costs either partially or in full (depending on the terms of your policy, the event and whether you're required to pay an excess).
What does domestic travel insurance cover?
The inclusions of domestic travel insurance vary between policies, so it’s important you read the Product Disclosure Statement (PDS) to ensure you're familiar with the ins and outs of your agreement before you purchase it. Some of the most common benefits which may be included in your policy are the following:
- Costs relating to the cancellation or delay of your flights, accommodation and other bookings (which will depend on your insurer's terms and conditions relating to the reason for your cancellation and the costs you've incurred)
- Loss of, or damage to, your belongings whilst overseas (including theft)
- Damage to a car rented whilst on holiday (the excess you're required to pay by your rental company can be partially or wholly covered)
- Your personal liability should you be found to be at fault for damage to someone else's property or an injury or illness
The exclusions of domestic travel insurance will vary between policies. Therefore, it’s vital you check out your policy’s PDS to know what you’re covered for. These may include:
- Incidents which occur under the influence of drugs or alcohol
- Incidents which involve breaking any laws
- Loss of personal items which are left unattended
- Any cancellation fees stemming from a terrorist incident or another demonstration at your destination
- Known events, such as extreme weather, prior to the purchase of your policy
What are some of the optional extras I should look out for on my domestic travel insurance policy?
Optional extras will differ between insurers, as some may offer policies which already include cover for certain activities. Optional extras could include some of the following:
- Skiing and winter sports – accidents can happen while on the slopes, which could result in significant expenses. Many insurers offer a specialist winter sports pack, which be purchased at an additional cost to offer protection for certain events that may occur while in the snow. These may include damage to rented equipment and replacement hire costs, prepaid expenses, resort closures and more.
- Scuba diving and adventure activities – in addition to snow sports, some insurers also offer additional coverage for adventure sports and activities, such as scuba diving, rock climbing and more. This can also be purchased as an add-on to expand the number of insured events covered under your policy.
- Domestic cruises – while some insurers will offer domestic cruise coverage as part of their policies automatically, others will require you to purchase it separately. Cruise companies recommend insurance (and in some cases require it) for their travellers, both international and domestic. It can also offer medical coverage, as you may not have access to a Medicare-registered doctor and your private health insurance may not cover injuries or illnesses on the water.
Types of travel insurance
International travel insurance can offer cover for a range of events, including medical expenses, lost luggage or items, cancellation fees and more when you're overseas and a long way from home.
If you're journeying within Australia, domestic policies are designed to offer many of the same protections as international travel insurance (with the exception of medical expenses).
The most standard and common type of travel insurance, this policy can cover you for one trip starting and ending in Australia (and is available for both international and domestic travel).
As the name suggests, this type of travel insurance covers multiple trips over a 12-month period. Depending on your insurer, you may be able to take an unlimited number of trips up to 90 days each.
You don't have to have a return ticket booked to take out cover while you're overseas. One-way travel insurance enables you to access cover without a set end date, such as if you're moving temporarily.
You may need to take out specialist coverage if you're setting sail on a cruise. Fortunately, cruise insurance can cover emergency evacuation, cabin confinement and more.
Just because you're older doesn't mean travel insurance isn't still important. If you qualify for cover, seniors' travel insurance can offer greater peace of mind for included events while you're travelling.
Adding winter sports or ski cover to your policy can add protection against damage to your equipment, piste closure due to bad weather and activities such as back-country skiing, heliskiing and more.
Looking to enjoy some adventure sports on holiday? An adventure sports pack can grant you cover for a range of activities, such as hiking, scuba diving and motorcycle or scooter riding.
Jetsetting with the whole clan in tow? Some insurers offer family travel insurance, which enables you to include yourself, your partner and your dependent children under one policy to help you save.
If you're travelling interstate or overseas with your partner (or simply another friend or family member), you may be able to access a discount by taking out a joint or duo travel insurance policy.
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Top tips for comparing domestic travel insurance
When comparing domestic policies, consider the inclusions and exclusions in respect to the items you’re taking and what activities you will be doing. If you’re taking expensive belongings, for instance, it's important to look for cover that includes those items.
In addition, you will need to consider the level of financial coverage on offer. Each person will have different needs when it comes to how much coverage they're looking for, but you should ensure you have sufficient coverage for your items, expenses and liability when purchasing your insurance.
Compare the costs of the domestic travel insurance premiums available. It's important to bear in mind that the cheapest domestic policy isn't always the best, as they may offer fewer benefits and lower claim limits in some cases. However, you should still compare policies to ensure you aren't overpaying.
If you're looking for coverage beyond the standard circumstances included under your policy, you should compare policies based on the optional extras available. Consider not only what they cover, but also the cost to add them to your policy.
Frequently asked questions about domestic travel insurance
Helpful travel insurance guides
Explore your travel insurance options for your next destination
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.