Our domestic travel insurance policy provides comprehensive cover for an affordable price. With different levels of cover to choose from, it is quick and easy to buy your policy online, and if you are travelling as a family, we cover all children under 18 at no extra cost.
There are 40 sports and adventure activities automatically covered free (like bungee jumping and water skiing), note that we do not provide coverage for medical expenses incurred while engaging in any sport activities. Wide range of policy upgrades and excess options available so you can tailor your policy. If you need to file a claim, we offer chat and email support, and have a 24-hour emergency medical assistance line.
However, do not just take our word for it! Our policies have received multiple awards from Canstar, Mozo, and the "Trusted Service Award" of 2018 by Feefo. You can also check our Feefo and product reviews comments from real customers.
Travel disruptions are just as likely to happen whether you’re planning a trip to Paris or Perth. While you may feel safer here at home in Australia, flights can be cancelled or delayed, accommodation can be affected by severe weather or natural disasters, luggage can be lost, and, if driving, accidents can occur while driving a rented vehicle. Purchasing a travel insurance policy may help you avoid large out of pocket costs, which might arise due to unexpected incidents on your domestic trip.
Domestic travel insurance provides coverage for a wide range of unfortunate travel incidents and can help get your holiday back on track swiftly. In many instances, our domestic holidays within Australia can be just as costly as our international trips halfway around the world. Therefore, it is always wise to get domestic travel insurance coverage whether you’re planning an Outback adventure to the Red Centre or when exploring our offshore gems like Norfolk Island.
Domestic travel insurance can cover you for a wide array of travel disruptions. The specific coverage and coverage amounts will be determined by what level of cover you select. At InsureandGo, you have the ability to choose between three different coverage levels which include our Bare Essentials, Silver, and Gold policies. Depending on the policy you choose, the following coverage may apply to you.
Please note: only our domestic policies cover domestic travel. Our 'Annual Multi Trip' Policy does not cover domestic travel, only international travel. So even if you will be travelling domestically for an entire year, please purchase a domestic policy, not an annual multi trip policy.
Additional coverage that a domestic travel insurance policy may cover includes reimbursement for legal expenses and additional emergency expenses. You will also be covered for a wide range of sports and activities so long as they were not associated with a competition or tournament, you follow the necessary safety guidelines, and you make use of the recommended safety equipment. Covered activities may include but are not limited to netball, cricket, snorkelling, cycling, and surfing. See our Domestic Travel Insurance Product Disclosure Statement (PDS) for a full list of covered sports and activities.
While InsureandGo’s domestic travel insurance policies provide a great deal of coverage for your Australian holidays, there are things that you won’t be covered for. Some coverage options are only available to certain levels of coverage such as with our Silver or Gold policies, while other situations may not be covered under any level of coverage. These are some of the situations where we may not be able to provide coverage for you.
To gain coverage for things like winter sports, business, natural disasters, or domestic cruises, you must purchase the appropriate InsureandGo insurance upgrade option. The upgrade option must be shown on your policy schedule.
InsureandGo offers three levels of domestic travel insurance cover which include our Bare Essential, Silver, and Gold policies. The following is a brief summary of what you can expect from each level of cover. Be sure to read our PDS for full details regarding each level of cover.
|Travel delay expenses*||N||$500||$1,500|
|Hospital cash allowance*||N||N||N|
|Passport and docs*||N||N||N|
|Loss of Income*||N||$5,200||$10,400|
|Rental car excess waiver*||N||$4,000||$7,500|
|Winter Sports Cover*||O||O||O|
Y - Yes, N - No, O - Optional
Domestic travel insurance helps you cover cancelling trip before departure, cutting your trip short, rental car excess waiver, special events among other things depending on your level of cover. Please go through the PDS for more information.
Our Silver and Gold policies cover your rental car excess with a maximum limit of $7,500 available in domestic policies. However, you need to make sure that the rental car is insured, as we do not pay for full damages to a rental car, only your excess. Please note, motorbikes are excluded.
There are 40 sports and adventure activities where PA and PL are automatically covered free, however to have cover for any winter sport activity you must have purchased this option and the option must be shown on your policy schedule. Please note there is no cover for medical expenses incurred whilst you are undertaking any of the covered sport activities. For more info, please go through the PDS.
We do not offer medical coverage on domestic policies as Medicare or private health insurers cover medical expenses in Australia.
Yes, if you select a Cruise policy with your destination as Domestic. If you are going on a cruise within Australian territorial waters and would like to be covered for On board Medical expenses and evacuation then you must choose either our Cruise Travel Insurance or our Annual Multi-Trip Travel Insurance. Please note no medical expenses are covered whilst on land in Australia.
For domestic trip, maximum length of cover is 365 days. This domestic One-Trip travel insurance does not cover any medical and evacuation expenses incurred in Australia.
If you find yourself living in Australia as a non-permanent resident and need domestic travel insurance, you may be able eligible to purchase an InsureandGo domestic travel insurance policy. The benefits of an InsureandGo domestic travel insurance policy are the same to all customers regardless of their residency as long as they meet certian required criteria.
In addition the comprehensive coverage our domestic travel insurance policies already provide, you can enhance your coverage further by looking into and purchasing one of our available insurance upgrades. These are a few of our most popular domestic insurance upgrades.
If you plan on taking a winter holiday to one of Australia’s exciting ski resorts, we can help provide coverage for your winter sports activities. This can include coverage for personal winter sports equipment and hired equipment that is lost, stolen, or damaged during your trip. It can also help recover the costs resulting from the loss or theft of lift passes during your trip, or for any unused percentage of a ski package which you have already paid for and cannot get back if you become ill or are injured during your trip and cannot take part in the winter sports activities as planned. Note that we do not provide coverage for medical expenses incurred while engaging in winter sport activities.
Australian business travellers can benefit by purchasing our business coverage upgrade. This provides coverage for lost, stolen, or damaged business equipment during your trip. This includes coverage for reasonable emergency courier expenses that you need to pay to replace business equipment essential to your intended business due to loss, theft, or damage. You may also be covered should you need to hire business equipment in the event your personal business equipment is delayed in reaching you during your trip on your outward journey or lost during your trip.
Thinking of heading to Tasmania to play a round of golf at the beautiful Barnbougle Dunes Golf Links? Our golf cover upgrade can provide coverage for your personal golf equipment that is lost, stolen, or damaged during your trip. You may need to hire golf equipment in such cases, and this coverage can assist you with the costs of that as well. You also may be covered for the unused percentage of your green fees, golf tuition fees, or golf equipment hire which you have already paid for and cannot get back should you become ill or are injured during your trip and cannot take part in the golf activities as planned.
Natural disasters often occur with little or no warning and they can severely affect your holiday plans. Purchasing our natural disaster coverage upgrade can offer you financial protection for your holidays in the event of a natural disaster such as a cyclone, flood, bushfire, or other extraordinary natural phenomenon. This coverage may allow you to recover some of the costs associated with cancelling your trip or cutting your trip short. Make sure you have your policy in place before a natural disaster occurs, because once a natural disaster event has taken place; it will be too late to purchase this upgrade for your trip.
If you’re planning on taking a domestic cruise around Australia, be sure to purchase one of our cruise policies and select the domestic option as your destination. Our standard domestic travel insurance does not cover medical and evacuation expenses incurred in Australia, so in order to be covered for onboard medical expenses and evacuation while cruising within Australian territorial waters then you must purchase InsureandGo cruise insurance. Cruise insurance can cover you for events such as missed port cover, reimbursements for shore excursions, cruise delays, and cabin confinement.