Trip cancellation
Unlimited cover for cancellation of your holiday due to an unexpected illness or injury.
sub-limits:
What is domestic travel insurance for Australia?
Domestic travel insurance is a policy that provides cover for travel to Australian states, territories and islands within its maritime borders. It can provide cover for cancellation due to illness or injury, lost, stolen or damaged luggage, cancelled flights, rental vehicle insurance excess, personal liability and other unexpected circumstances.
Do I need travel insurance for domestic travel in Australia?
As you’ll be travelling within Australia, your health expenses are already covered by Medicare or your private health insurance. But if an injury or sickness does occur prior to your trip which results in you needing to cancel your trip, you’ll have cancellation cover.
Besides, illness or an injury affecting your holiday, there are still things that can and do go wrong and it’s better to be prepared for any unexpected situations which could turn a dream local holiday into a nightmare.
So travel insurance can certainly cover domestic travel with Australia.
Why buy domestic travel insurance?
You can get domestic insurance for a wide range of benefits so you can embrace the opportunities that are available to you when travelling around Australia including skiing, hiking, diving and driving!
If you’re travelling domestically within Australia, you should consider a policy that provides 24-hour emergency assistance as well as cover for what’s most important to you.
Domestic travel insurance includes benefits that provide cover for:
24 Hour Emergency Assistance Helpline
Should you find yourself in emergency situation, you should call 000, but our emergency team are also there 24/7 to assist you.
Lost Luggage
Cover for the loss, theft or accidental damage of luggage and personal items.
Rental Car Insurance Excess
Automatic Rental Vehicle Insurance Excess up to $5,000 if you're hiring a car or campervan.
Trip Disruption
Expenses incurred if your travel companion is sick or injured.
Trip Resumption
Covers the cost of returning to your trip if it was interrupted for unexpected reasons outside of your control.
Travel Delay
Expenses incurred if your trip is delayed or you miss a connecting flight to a special event.
Snow Sports
Cover for your ski and snowboarding equipment and prepaid ski passes.
Accidental Death
In the unfortunate event of the death of a traveller listed on the policy, there is cover for a payment of $25,000.
Personal liability
Cover for any compensation payable for damage to property or injury/death of a person and the costs associated with defending claims of legal liability. This does not extend to motor vehicle accidents with a rental vehicle, this should be covered under the rental car insurance.
See the table below for more information about what's included under each benefit.
The table below is only a summary of benefits. Each level of cover is subject to full policy terms, conditions, limits, sub-limits, and exclusions as per our PDS available on our website. Benefit limits shown apply per person for both Singles and Duo policies. # These benefit limits are shared between Duo policy holders. ~ These benefit limits are shared between travellers under a Family policy. This means the benefit amount is for the whole family to be used together, not for each person separately. ^ Cover under these benefits are excluded while travelling within Australia. If you hold a Frequent Traveller Saver policy, the benefit limits apply to the combined total of all claims made by all covered travellers (including an accompanying spouse/partner and dependants) listed on the Certificate of Insurance.
Medical Benefits |
Basics | Domestic Plus | Standard Saver | Comprehensive | Snow Sports Plus | Frequent Traveller Saver |
|---|---|---|---|---|---|---|
|
Overseas 24/7 Emergency Medical Assistance^ |
Unlimited | ––– | Unlimited | Unlimited | Unlimited | Unlimited |
|
Funeral/cremation Overseas and/or bringing your remains back to Australia (per person) |
$20,000 | $20,000 | $20,000 | $20,000 | $20,000 | |
|
Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person) |
$60,000 | ––– | $60,000 | $60,000 | $60,000 | $60,000 |
|
Overseas Emergency Medical & Hospital Expenses^ |
Unlimited | ––– | Unlimited | Unlimited | Unlimited | Unlimited |
|
Overseas Emergency Dental^ |
$500 | ––– | $750 | $1,000 | $1,000 | $1,000 |
|
Overseas Emergency Evacuation & Repatriation^ |
Unlimited | ––– | Unlimited | Unlimited | Unlimited | Unlimited |
|
Overseas Hospital Cash Payment^ sub-limits: |
––– | ––– | ––– | $5,000 | $5,000 | $5,000 |
|
Daily Limit (per person) |
$50 | $50 | $50 | |||
|
Accidental Death Travellers Aged 80 to 89: |
––– | $25,000 $20,000 |
––– | $25,000 $20,000 |
$25,000 $20,000 |
$25,000 $20,000 |
|
Accidental Death for travellers up to age 79 |
$25,000 | $25,000 | $25,000 | $25,000 | ||
|
Accidental Death for travellers aged 80 - 89 |
$20,000 | $20,000 | $20,000 | $20,000 | ||
|
Accidental Death of a Dependant (per Dependant) |
$5,000 | $5,000 | $5,000 | $5,000 | ||
|
Permanent Disability^ Travellers Aged 80 to 89: |
––– | ––– | ––– | $50,000 $20,000 |
$50,000 $20,000 |
$25,000 $20,000 |
|
Permanent Disability for travellers up to age 79 |
$50,000 | $50,000 | $25,000 | |||
|
Permanent Disability for travellers aged 80 - 89 |
$20,000 | $20,000 | $20,000 | |||
|
Permanent Disability of a Dependant (per Dependant) |
$5,000 | $5,000 | $5,000 | |||
|
Loss of Income^ sub-limits: |
––– | ––– | ––– | $10,400 | $10,400 | $10,400 |
|
Weekly Limit (per person) - up to 26 weeks |
$400 | $400 | $400 |
Financial Benefits |
Basics | Domestic Plus | Standard Saver | Comprehensive | Snow Sports Plus | Frequent Traveller Saver |
|---|---|---|---|---|---|---|
|
Trip Cancellation Expenses sub-limits: |
––– | Unlimited | $25,000 | Unlimited | Unlimited | Unlimited |
|
Travel Agents Cancellation Fees |
$1,500 | $1,500 | $1,500 | $1,500 | $1,500 | |
|
Close Relatives that do not meet Close relative conditions |
$2,000 | $2,000 | $2,000 | $2,000 | $2,000 | |
|
Personal Liability~ |
$1,000,000 | $5,000,000 | $2,500,000 | $5,000,000 | $5,000,000 | $5,000,000 |
|
Trip Disruption Expenses sub-limits: |
––– | $50,000 | $30,000 | $50,000 | $50,000 | $50,000 |
|
Close Relatives with a Pre-existing Medical Condition |
$2,000 | $2,000 | $2,000 | $2,000 | $2,000 | |
|
Trip Resumption Expenses |
––– | $3,000 | $2,000 | $3,000 | $3,000 | $3,000 |
|
Luggage & Personal Effects sub-limits: |
Optional up to $2,000 |
$7,500 | $5,000 | $15,000 | $15,000 | $15,000 |
|
Stand-alone personal computers, cameras and video recorders (excluding devices with integrated cameras or recording functions, such as mobile phones, Drones or similar devices) (per item) |
$3,000 | $3,000 | $3,000 | $3,000 | $3,000 | $3,000 |
|
Mobile phones (per item) |
$1,500 | $1,500 | $1,500 | $1,500 | $1,500 | $1,500 |
|
Tablets (per item) |
$1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 |
|
All other unspecified items (per item) |
$750 | $750 | $750 | $750 | $750 | $750 |
|
Luggage and Personal Effects stolen from a Locked Storage Compartment of an unattended vehicle during daylight hours. We will pay up to $200 for each item and $2,000 in total for all stolen items. |
$2,000 | $2,000 | $2,000 | $2,000 | $2,000 | $2,000 |
|
Passports, Credit Cards & Credit Card Fraud^ |
––– | ––– | $2,000 | $5,000 | $5,000 | $5,000 |
|
Special Event Transport Expenses |
––– | $5,000 | ––– | $5,000 | $5,000 | $5,000 |
|
Rental Vehicle Excess#~ sub-limits: |
––– | $5,000 | Optional up to $8,000 |
Optional up to $8,000 |
Optional | Optional |
|
Return of Rental Vehicle |
$500 | $500 | $500 | $500 | $500 | |
|
Travel Delay Expenses sub-limits: |
––– | $2,000 | ––– | $2,000 | $2,000 | $2,000 |
|
Daily Limit (per person) (we will pay up to $200 for each full 24 hours beyond the initial 6 hour delay) |
$200 | $200 | $200 | $200 | ||
|
Delay of Luggage and Personal Effects^ |
––– | ––– | ––– | $750 | $750 | $750 |
|
Theft of Cash^~ |
––– | ––– | ––– | $250 | $250 | $250 |
Snow Sports Benefits |
Basics | Domestic Plus | Standard Saver | Comprehensive | Snow Sports Plus | Frequent Traveller Saver |
|---|---|---|---|---|---|---|
|
Snow Sport Equipment |
––– | $1,500 | ––– | ––– | $1,500 | ––– |
|
Snow Equipment Replacement Hire |
––– | $1,500 | ––– | ––– | $1,500 | ––– |
|
Snow Prepaid Expenses |
––– | $750 | ––– | ––– | $750 | ––– |
|
Snow Resort Closure~ sub-limits: |
––– | $1,000 | ––– | ––– | $1,000 | ––– |
|
Daily Limit (per person) |
$100 | $100 |
COVID-19 Benefits |
Basics | Domestic Plus | Standard Saver | Comprehensive | Snow Sports Plus | Frequent Traveller Saver |
|---|---|---|---|---|---|---|
|
COVID-19 Overseas Emergency Medical, Hospital & Medical Evacuation Expenses^ |
Unlimited | ––– | Unlimited | Unlimited | Unlimited | Unlimited |
|
Funeral/cremation Overseas and/or bringing your remains back to Australia (per person) |
$20,000 | ––– | $20,000 | $20,000 | $20,000 | $20,000 |
|
Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person) |
$60,000 | ––– | $60,000 | $60,000 | $60,000 | $60,000 |
|
COVID-19 Trip Cancellation & Disruption |
––– | $3,500 | $3,000 | $5,000 | $5,000 | $5,000 |
Activities covered by our Domestic travel insurance policies
You should consider the type of holiday you’re taking and what activities are on your itinerary to ensure your travel insurance policy will provide cover for all of the fun things you have planned, such as:
- Sightseeing at the Sydney Opera House
- Surfing at world-famous beaches on the Gold Coast
- Scuba diving and snorkelling on the Great Barrier Reef
- Visiting Steve Irwin’s Australia Zoo on the Sunshine Coast
- Camel riding at sunset on the beach in Broome
- Journeying to the Red Centre to see Ayers Rock or Uluru
- Bushwalking and trekking in the Blue Mountains
- Shark cage diving with Great Whites off the WA coast
- Visiting the Gold Coast theme parks
- Skiing or snowboarding in Thredbo, Perisher, Mount Buller or Falls Creek
- Sailing and boating
- Regulated or licensed hot air ballooning
- Treetop walks
- Horse riding tours
- Water sports like windsurfing, kayaking and canoeing
- Adventure sports like bungee jumping
What is NOT covered by domestic travel insurance?
- Medical expenses incurred within Australia
- Breaking Australian law
- Being under the influence of alcohol or illicit drugs
- Failing to disclosing pre-existing conditions
- Not keeping possessions in sight and reach to protect your belongings
- Ignoring government warnings, advice or media in emergency situations
You should read the Product Disclosure Statement so you are aware of what is and is not covered by your domestic policy.
Domestic Travel Insurance Quotes
There are numerous travellers who should consider buying a Domestic travel insurance policy. The first step is to get a quote and see what benefits are available and compare. Domestic insurance is available for a wide variety of travellers and trip types such as:
- Families taking an interstate road trip to visit family or friends
- Couples taking a romantic weekend getaway
- Aussie backpackers working their way around the country
- Students on a mid-semester island escape to Fraser Island or the Whitsundays
- Business travellers flying interstate for a conference or work commitments
- Retired couples taking a bus tour or river cruise
- Adventurers going four-wheel-driving and camping in remote locations
- Divers heading out to the Great Barrier Reef or Ningaloo Reef
- Visitors to Norfolk Island, Thursday Island or Christmas Island
So, wherever you are travelling within Australia, get a travel insurance quote for your domestic holiday and start comparing the benefits.
Domestic Snow Travel Insurance
For travel to these Australian snow resorts, you can get snow travel insurance for domestic trips that provides cover for:
- Snow Sport Equipment
- Snow Equipment Replacement Hire
- Snow Prepaid Expenses
- Snow Resort Closure
- All other benefits on the domestic policy also apply while you are in the ski field
There is NO medical cover for injuries whilst skiing or snowboarding.
For complete details, see our snow travel insurance policy for all your questions about skiing and snowboarding cover.
Australia has 11 snow resorts and these are:
Famous for its 5km Village trail, Australia’s longest ski run. 53 runs (16% beginner, 67% intermediate, 17% advanced), 12 lifts 70km of runs, 672m vertical drop, 1365m - 2037m elevation – the highest in Australia, 480 acres of skiable terrain, 6 hour drive time from Melbourne/Sydney and 2.5 hour drive time from Canberra.
Known for having 5 terrain parks and skiing on the Village Eight Express chairlift to 9pm. 133 runs (22% beginner, 60% intermediate, 18% advanced), 41 lifts, 100km of runs, 429m vertical drop, 1605m - 2034m elevation, 1,245 hectares of skiable area, 5.5 hour drive time from Sydney, 6 from Melbourne and 2.25 hours from Canberra.
24 runs (33% beginner, 29% intermediate, 38% advanced), 4 lifts, 10km of runs, 189m vertical drop, 1765m - 1954m elevation, 50 acres of skiable area and 5-6 hour drive from Sydney/
15 runs (40% beginner, 48% intermediate, 12% advanced), 9 lifts, 122m vertical drop, 1492m - 1614m elevation, 45 acres of skiable area and 5.5 hour drive from Sydney
41 runs (20% beginner, 45% intermediate, 35% advanced), 22 lifts, 100km of runs, 400m vertical drop, 1390m - 1790m elevation, 299 ha of skiable terrain and 3.5 hours drive from Melbourne.
92 runs (27% beginner, 60% intermediate, 23% advanced), 14 lifts, 92km of runs, 64km of groomed cross-country ski trails, 280m vertical drop, 1500m - 1780m elevation, 450 acres of skiable area and 4.5 hour drive from Melbourne.
Known for its great village with over 20 restaurants and bars. 66 runs (20% beginner, 40% intermediate, 40% advanced), 12 lifts, 50km of runs, 5 km of cross-country ski trails, 395m vertical drop, 1450m – 1845m elevation, 320 acres of skiable area and 4.5 hours drive from Melbourne or 8 hours from Sydney.
21 (33% beginner, 48% intermediate, 19% advanced), 6 lifts, 10km runs, 110m vertical drop, 1450m - 1560m elevation, 35 acres of skiable area and 3 hour drive from Melbourne/
14km groomed cross county trails and no lifts.
7 ski lifts, 6 km, 112m vertical drop and 1460m - 1572m elevation.
3 ski lifts. 4 km of trails, 100m vertical drop and 1200m - 1300m elevation.
Adventure add-on pack
If you are planning on doing anything adventurous, you may need to purchase an Adventure Pack to cover you for these activities. Examples of adventure activities include abseiling, scuba diving below 10m or quad biking.
Bicycle add-on pack
For those who are taking their bicycles and plan on doing some riding on your holiday, you can add-on the Bicycle Pack to give you travel insurance cover up to $5000 per bike in the event your bicycle is lost, stolen or damaged.
Domestic travel insurance Australia
Even though you're covered by Medicare or your private health insurer for medical expenses in Australia, a domestic travel insurance policy can provide cover for a wide variety of different situations.
Australia is a large and diverse country with a wide range of sights and experiences to offer. Whether you plan to travel to see the Blue Mountains, get a taste of Tasmania or dive at the Great Barrier Reef in far-north Queensland, you should make sure you have domestic travel insurance to provide protection for you and your family during your holiday.
Does travel insurance cover medical expenses in Australia?
Insurance does NOT cover any medical expenses when you are travelling within Australia. When you are in Australia, any medical costs would need to be covered by Medicare, your private health insurance or out of your own pocket.
It is actually legislated by the Australian Government that travel insurance companies are unable to provide cover for medical expenses within Australia for Australian residents and citizens, who are eligible for Australian Medicare. The intention is for any medical costs to remain under Medicare or Private Health.
Please note that ambulance services are state run services and Medicare does not necessarily cover you for ambulance trips.
Whilst a domestic travel insurance policy does not provide cover for medical expenses, it can provide cover for Cancellation due to a medical situation.
Domestic Medical Expense Example
If a family had bought a Domestic Plus policy to cover a family holiday to the Gold Coast during the September school holidays with activities including theme parks, going to the beach and hiking. And two days before the family was due to depart on a flight from Sydney to the Gold Coast, one of the children broke his leg whilst riding a skateboard that required surgery to reset the leg that meant they needed to cancel the holiday.
In this instance, the costs of the surgery would be covered by Medicare and their private health insurance policy and not their domestic policy.
However, the cost for any flight, hotel or theme park tickets that cannot be refunded may be claimed, as a result of the medical incident.
But don’t think that travelling domestically that you’ll always be covered for every eventuality. There are plenty of other non-medical situations that can affect your holiday.
Top 6 travel insurance tips for domestic travel
- See your doctor for a health check-up before you leave home and take enough prescription medication for your trip.
- Tell your doctor if you plan to try any new adventure sports or activities.
- Familiarise yourself with the regions you’re travelling to, transport options and activities.
- Scan, print and keep digital copies of all your travel documents with you whilst travelling.
- Download the Smartraveller app to receive up to date travel alerts and warnings.
- Read our 29 Must Read Travel Health and Safety Tips
Points 1 & 2 above is general advice only and is not intended to replace the advice from a medical practitioner or health care professional.
How to buy domestic travel insurance in 6 easy steps
- Get a quote by selecting the Australia/Domestic Region and provide the number of travellers, ages of adult(s), your departure date and return date.
- Consider the activities you will be doing on your holiday
- Compare the benefits and benefit limits of the policy.
- Read the Product Disclosure Statement and consider the Financial Services Guide.
- Enter your personal and payment details to purchase your policy
- Check your trip details are correct on your Certificate of Insurance that will be emailed or posted to you.
Australian states and territories covered by domestic insurance
- Australian Capital Territory - ACT
- Queensland - QLD
- New South Wales – NSW
- Northern Territory - NT
- South Australia - SA
- Tasmania - TAS
- Victoria - VIC
- Western Australia – WA
- Islands within Australian maritime borders, see below.
Australian islands covered by domestic policies
- Bruny Island - Tasmania
- Christmas Island - Australian external territory off Western Australia coast
- Cocos Islands (Keeling)- Australian external territory off Western Australia coastDaydream Island - Queensland
- Flinders Island - Tasmania
- Fraser Island - Queensland
- Hamilton Island - Queensland
- Hayman Island - Queensland
- Kangaroo Island - South Australia
- Keeling Islands (Cocos) - Australian external territory off Western Australia coast
- Lady Elliot Island, Queensland
- Lord Howe Island, New South Wales
- Melville Island - Northern Territory
- Mornington Island - Queensland
- Norfolk Island - Australian external territory off New South Wales coast
- Phillip Island - Victoria
- Rottnest Island - Western Australia
- Thursday Island - Queensland
- Whitsunday Island - Queensland
Islands NOT Covered by a Domestic policy
There are a number of places that are in the Pacific but NOT covered by a Domestic policy.
For the below destinations, you would need to buy a Pacific region policy.
- Pitcairn Island
- Henderson Island
- Ducie Island
- Oeno Island
For the below locations, which can be considered Australian Territories, select a Worldwide region policy.
Within Australia’s maritime borders, there are 8,222 islands, some of these are off the coast of the Australian mainland like Norfolk Island or Tasmania such as Bruny Island or within the rivers and harbours like Fort Denison in Sydney Harbour.
If you are travelling by land (car, bus, rail etc) or air (flying) to these states or islands, select a ‘Domestic Region’ policy. If you are travelling to any of these locations by sea on a cruise, you will need to select cruise travel insurance to ensure you have appropriate cover.
Is Norfolk Island covered under an Australian domestic policy?
Norfolk Island changed to being a domestic territory of Australia on the 1st July 2016, so purchasing a domestic policy will provide the cover if you are flying. If you are travelling to Norfolk Island by boat, you will need to purchase a cruise policy.
Do you need travel insurance for cruises in Australian waters?
Cruises are increasingly popular among Australians of all ages. Many choose international destinations, but there are also many great cruise options closer to home around Australia and the Pacific Islands.
A lot of travellers don't realise this, but even if your cruise remains in domestic waters, your private health insurance and Medicare are unlikely to provide medical cover as soon as you board the ship.
Medicare will only cover you if the doctor onboard is registered with Medicare. In the majority of cases, this is unlikely to be the case, so if you became sick or injured whilst cruising, you may find yourself out of pocket for the full cost of medical treatment.
Being out at sea also means that if you needed urgent medical treatment for a broken bone or a serious illness, you would have to be evacuated from the ship by helicopter or boat to the nearest land hospital, costing upwards of $20,000 AUD.
A medical evacuation can be very expensive and would also be at your own expense unless you’re covered by travel insurance with medical evacuation cover included.
For these reasons, cruise companies recommend cruise travel insurance for all travellers, regardless of where your cruise is going or whether or not it’s leaving Australian waters.
Does insurance cover Rental Car damage?
Our domestic policies include cover of up to $5000 for Rental Vehicle Insurance Excess. We do not directly provide cover for any damage to the car, van or campervan that you are hiring. Our domestic policy covers the Excess the rental vehicle company charges on any damage caused to the vehicle. You will need to ensure the vehicle is insured directly with the car hire company. There is no cover available for hire of mopeds, scooters, motorbikes or golf carts.
Does travel insurance cover domestic flights?
Domestic policies provide cover for direct flights, connecting domestic flights within Australia or domestic flights connecting to international flights. The policy provides cover for a number of benefits related to flights within Australia including:
- Travel Delays where you can claim $200 per day should you be delayed by more than 6 hours
- Lost, stolen or damaged luggage on a domestic flight
- Trip cancellation costs that the airline will not refund if you need to cancel your trip.
- Special Events Transport cover to cover the reasonable costs of additional transport to make it to scheduled event such as wedding, funeral, sporting event or concert.
Travel insurance is not mandatory, so you do not necessarily need it and you can fly without travel insurance domestically. Whether you should fly without it and whether it is worth buying it, is up to you. You should consider the benefits a domestic policy can provide for domestic flights and its other included benefits.
Domestic Travel Insurance Reviews
Why choose Fast Cover for your domestic holiday?
- Dependant children and grandchildren can be covered when travelling with an insured adult
- 25 Day Money Back Guarantee for any reason if you haven’t travelled or need to make a claim.
- 48-hour price guarantee on all quotes
- Medical screening available for your medical conditions.
- User-friendly website makes buying insurance online fast and simple.
- Our Emergency Assistance team is available 24 hours a day, 7 days a week, 365 days a year to assist you.
Before purchasing a Domestic Plus Policy, you should check our PDS for the terms, conditions, exclusions and limits that may apply to you.
Top 10 travel safety tips for Australia
-
Pack for your specific trip
Australia is a vast country of varying climates, so pack for the environment. This could mean sunscreen, plenty of water, warm clothing or taking an emergency beacon. -
Wear Sunscreen
The sun in Australia can be unrelenting, apply sunscreen 30 minutes before you go out in the sun and reapply every couple of hours throughout the day. -
Only swim at patrolled beaches
The ocean can be very dangerous and unpredictable, always swim between the red and yellow flags as this is the safest place and so you can get help if you get into trouble. -
Prepare for the outback
Know that you can be on your own if something goes wrong as there’s no phone reception in the outback. Take more than enough water, food and fuel for your trip. Let someone know your itinerary and when you expect to arrive. -
Bushfire season
If you see smoke or a bushfire, act fast, as fires can move very quickly. Tune into local radio and obey instructions immediately to evacuate areas. -
Stop revive survive
Driving anywhere in Australia can often mean covering vast distances which you may not be used to. Take a regular breaks every two hours and share the driving if possible. -
Register your trip
If you plan on going anywhere remote, whether that be driving or hiking, tell friends and family where you are going and when you are expected to return. If a register is available at the beginning of a hike, complete your trip details. -
Keep your luggage and belongings in sight and reach at all times
Whilst crime is relatively low in Australia, petty crime does exist and opportunistic thieves are around, so don’t leave anything unattended. This is particularly important at the beach, so leave your stuff with a friend or ask your friend to mind your stuff for you whilst you go swimming. -
Prepare for hiking or going into the bush or wilderness
Wear appropriate hiking shoes to protect you from spiders and snakes, wear sunscreen, take a hat, insect repellent, plenty of water and matches to start a fire. -
Print and save electronic copies of your travel insurance policy with you
If the unexpected happens, you want to have the contact details and your policy details of your travel insurance handy so you can contact them for assistance.
Domestic Travel Insurance FAQs
Travellers embarking on domestic trips in Australia may often look for the cheapest domestic travel insurance. It’s important to keep in mind that the cheapest domestic travel insurance may not always provide cover for your unique travel needs and personal characteristics.
When reviewing how much domestic travel insurance costs, make sure to read the PDS and consider the policy benefits included so that you know exactly what you are covered for, and what you are not covered for. The cheapest travel insurance may not always provide the right level of cover for your travel needs and trip type.
To determine the cost of domestic travel insurance for your upcoming trip in Australia, request a quote from Fast Cover today.
Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.
When considering what a domestic travel insurance policy should include, it’s important to consider your travel needs, the nature of your trip within Australia, who you are travelling with, the types of activities you plan to do on your trip and other considerations that may apply to you and your trip such as existing medical conditions.
Consider if your domestic travel insurance policy provides cover to help you better deal with unforeseen circumstances if something unexpected happens like trip cancellations, trip disruptions, travel delays or lost luggage and the situations in which this cover may apply.
If your itinerary is filled with activities, it may be wise to consider whether your policy provides cover for the types of activities you will be doing in Australia and if you can purchase additional cover for adventure activities if needed.
Before you decide on the right domestic travel insurance for your trip in Australia, you should read the PDS to check what the policy will and won’t cover you for, any conditions and exclusions that might apply to you and whether the policy provides the cover that you’re looking for. Any advice is general advice only and does not take into account your individual objectives, financial situation or needs.
Fast Cover’s Domestic Plus travel insurance policy does not provide cover for medical emergencies and medical expenses incurred whilst you are travelling in Australia because medical expenses are covered by Medicare and/or your private health insurance.
In the event of a medical emergency while you are travelling domestically, you should call 000 for assistance as you would normally do if you were at home. You can also seek assistance from the relevant authorities where you are visiting, including the resort, hotel, airline, bus line or train line.
If you are travelling within Australia and you have an existing medical condition, you can compete a medical screening to apply to include cover for your existing medical condition under applicable policy benefits such as trip cancellation cover. This means that travellers who need to cancel their trip due to their existing medical condition that is covered under the policy may be eligible to claim trip cancellation expenses.
As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.
Any advice is general advice only and does not take into account your individual objectives, financial situation or needs. Consider the PDS as eligibility criteria, policy terms, conditions, exclusions and limits apply.
The cost of domestic travel insurance for Australia will vary depending on a person-to-person basis. This is because of various factors, including but not limited to the type of policy you choose for your trip within Australia, where you are travelling, the length of your trip, the time between purchase and departure, personal characteristics such as existing medical conditions and age, as well as any add-ons that you choose.
To determine the cost of domestic travel insurance for your upcoming trip in Australia, request a quote from Fast Cover today.
Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.
You can purchase a policy anytime from 12 months prior to departure right up to the date of departure. You might consider whether you should buy it as early as possible as it may give you the longest period of cancellation cover for any pre-purchased accommodation, transport or ticket costs.
Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding which policy is right for you and your needs.
Fast Cover's Domestic Plus policy is a travel insurance policy for Aussies travelling in Australia, provided the travel destination is at least 200kms from your home. The Domestic Plus policy provides cover for a range of benefits to help travellers better deal with and prepare for unexpected and unforeseen circumstances covered under the policy benefits. Below is a list of Benefits available under the Domestic Plus policy:
- Trip Cancellation Expenses
- Trip Disruption Expenses
- Trip Resumption Expenses
- Accidental Death
- Luggage and Personal Effects
- Travel Delay Expenses
- Special Event Transport Expenses
- Personal Liability
- Rental Vehicle Excess
- Snow Sports Equipment
- Snow Equipment Replacement Hire
- Snow Prepaid Expenses
- Snow Resort Closure
- Covid-19 Trip Cancellation and Disruption
Travellers can also choose to add-on optional extras for an additional premium, for example, to cover an extra list of adventure activities under the Adventure Pack, or provide some cover to claim reimbursement for damage, theft or loss of their personal bicycles under the Bicycle Pack.
Eligibility criteria, policy terms, conditions, exclusions, limits and sub-limits apply. Consider the PDS prior to deciding which policy is right for you and your needs.
Single Trip policies (Comprehensive, Standard Saver, Snow Sports Plus and Basics):
- You can be covered up to a maximum of 2 years.
Domestic Plus policies:
- You can be covered up to a maximum of 92 days (3 months)
- You can buy it up to 12 months prior to your departure to cover you for cancellation, but the travel period can only be 3 months. The exception to this is if you buy a Domestic Cruise policy where the duration can be a maximum of 12 months.
Frequent Traveller Saver policies:
- The maximum period for any one journey is shown on your Certificate of Insurance. You can choose from a maximum period of 15, 25, 40 or 63 days for each journey.
For more information, refer to our Product Disclosure Statement (PDS).
Things you need to know
^ Price as at 27/10/2024 compared to the price calculated today for this policy.
* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.