Domestic travel insurance

Vast national parks, iconic waterfront cities, serene beaches, untamed wilderness, world-class surfing – and all right here on our doorstep. If you’ve never got around to planning that dream staycation, now’s the time to discover all that Australia has to offer.

Whether you’re planning a weekend city break to Sydney or a coastal beach escape to the Gold Coast, you may want to consider covering yourself with domestic travel insurance while you’re away from home, so you can travel with peace of mind.

If you're travelling as a family, we also cover your dependent children under 21 on your policy at no extra cost.

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Why do I need domestic travel insurance?

Even though you may be covered for medical events by Medicare, there are still other unexpected events that could derail your travel plans, even when you’re exploring your own back yard. Your flight or cruise could be cancelled, you may have to return home early if a family member is taken into hospital, or your rental car could be damaged.

What does domestic travel insurance cover?

Our domestic travel insurance can provide cover for: 

• Cancelling or changing your travel plans before you leave
• Changing your travel plans once you have left
• Luggage and personal items
• Rental vehicle excess
• Cash allowance whilst in hospital
• Pet care costs if you’re delayed getting home
• Childcare costs if you’re delayed getting home
• Funeral expenses
• Personal accident
• Personal liability
• Optional: Cruise cover

View our key benefits page for more detailed information on your level of cover. To fully understand what you’re covered for, including the terms of cover, sub limits, conditions and exclusions that apply, you should read Domestic Financial Services Guide and Product Disclosure Statement, and the COVID-19 Supplementary Product Disclosure Statement.

Does domestic travel insurance cover medical emergencies?

Our domestic travel insurance doesn’t cover medical expenses. To understand how you’re covered away from home for medical treatment and evacuation, contact Medicare or your private health insurer. 

We will still ask that you disclose your pre-existing medical conditions (PECs) when you buy a domestic policy. This means that if you need to cancel or delay your trip due to a PEC, you’ll be covered for cancellation costs under your policy.

Cover for your furry friends

Whether you’ve got a playful pooch or a cuddly cat, it’s worrying when you can’t get home to your beloved pets. So, if an unexpected event delays your journey home, we’ll cover the extra daily costs of keeping your pets in a boarding facility, such as a kennel or cattery. We pay up to $50 for each day and up to $500 for each paying person.

We can cover claims if:

• An unexpected event delays your return home
• The pet boarding facility is a registered business

We don’t cover claims for:

• Any animals that don’t normally live with you at your home. We may ask you to provide evidence that an animal lives in your home, such as a microchip registration or a pet insurance policy
• Any daily fees you incur from the day after you return home
• Anything under ‘E. General exclusions — things we never cover’ in the Product Disclosure Statement 

Cover for childcare expenses

It’s annoying when you can’t get home as planned. So, if an unexpected event delays your journey home, we cover the cost of any childcare you’ve already booked but can’t use and is not refundable. We pay up to $100 for each day and up to $500 for each paying person. This policy only covers the children receiving the care. 

We can cover claims if:

• You’ve booked the childcare for after the date your journey was supposed to end
• The childcare facility is a registered business
• You can’t get a credit or refund for your booking

We don’t cover claims for:

• Any children that don’t normally live with you at your home
• Any daily fees you incur from the day after you return home
• Anything under ‘E. General exclusions — things we never cover’ in the Product Disclosure Statement 

Our 10 most expensive domestic travel insurance claims

Since launching our policy in 2020, we can now reveal our ten most expensive claims received in the first year. 

1. A mum and two children had to return home early from their trip to Surfer’s Paradise when one of the children became extremely distressed as a result of being in a new and unfamiliar environment. The child’s autism was declared and covered as a pre-existing medical condition. (Claim paid - $6,043)
2. During a trip to Mackay, in central Queensland, a 15-year-old was hospitalised with acute appendicitis which required surgery. The family had to cancel the remainder of their trip and return home early. (Claim paid - $4,685)
3. A 47-year-old man fell off his bike on the first day of a six-day bike tour of the Apple Isle in Tasmanian and was unable to complete the remainder of his tour. (Claim paid - $4,536)
4. A 65-year-old woman had to cancel her trip after a cycling injury meant she wasn’t unable to travel. (Claim paid - $4,021)
5. After their cancer, unfortunately, returned a 56-year-old had to cancel their upcoming trip. (Claim paid - $3,339)
6. A 24-year-old had to cancel their holiday after a workplace injury meant they could no longer travel. (Claim paid - $3,318)
7. After falling off his horse during an alpine safari and fracturing his collarbone, the 75-year-old traveller was no longer able to continue the rest of his journey. (Claim paid - $3,256)
8. When her six-year-old was hospitalised after being involved in a car accident, a 44-year-old mum returned home early from her trip to Cairns to be with her son. (Claim paid - $2,871)
9. A travellers rental car was damaged after a Cassowary ran onto the road, during their trip to Cape Tribulation in northern Queensland. (Claim paid - $2,750)
10. An 87-year-old returned home early from his trip after his wife was diagnosed with breast cancer. (Claim paid - $2,400.)

You can read more about our most expensive domestic travel insurance claims here.

We’ve kept things simple

As part of our commitment to our customers, we’ve created a Product Disclosure Statement that is simple and easy to understand, so that you can be confident knowing what you are covered for and what you are not covered for.

Our Product Disclosure Statement has been awarded the WriteMark, a quality mark given to documents that achieve a high standard of plain language. The WriteMark shows that our Product Disclosure Statement:

• Has been checked against rigorous criteria
• Is focused on the needs of the intended audience
• Is easy to read, understand, and act on

What is ‘plain language’?

For full details of what is included, please refer to the Product Disclosure Statement.

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