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Comprehensive Domestic Travel Insurance for your Australian adventures

Think you don’t need travel insurance for a domestic trip? It’s worth considering that travel disruptions can still occur when on holiday in Australia. 

Delays, cancellations, lost luggage and accidents can happen on domestic trips, just as they can when travelling overseas. These types of events may disrupt travel plans and result in unexpected expenses.

InsureandGo Australia’s Domestic Single-Trip Travel Insurance can provide you with comprehensive cover for a coverable listed event that disrupts your Australian adventure.

Sydney Harbour featuring the Sydney Opera House and Harbour Bridge, one of the world’s most iconic harbour cities.

Why Travel With Us for a Domestic Trip?

All pre-existing conditions considered
Personal belongings and baggage
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21-day cooling off period
Unlimited cover
Trip cancellation
Cover for connecting flights^
Travel delay expenses
Winner
Award winning travel insurance company
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Personal liability
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Rental car excess waiver
Quick and easy online claims process
Covid-19 trip disruption (excludes medical expenses for domestic travel)
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Additional emergency expenses

Choose your Domestic Travel Insurance Policy

InsureandGo Australia offers three levels of cover for Single-Trip Domestic trips, so you can choose the level of cover that’s right for you. Add-ons, including Activities Plus, natural disaster coverage, and winter sports coverage, are also available at any level.

Important information: An excess applies to some claims under some policy sections. An excess is applied per insured person, per event, and if multiple events occur during a trip, an excess will be applied per event per person.

Bare Essentials
From travel delays to adventure sports, InsureandGo Australia offers comprehensive cover for your Australian travels.

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Silver
Includes everything in the Bare Essentials plan with higher coverage limits, plus travel delay expenses, rental car excess waiver, and Covid-19 expenses.

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Gold
Our most comprehensive Domestic Travel Insurance. Includes all Silver benefits with higher coverage limits, resumption of journey, pet care, and return of rental car costs, plus legal expenses.

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Single-Trip Domestic Travel Insurance Table of Benefits 

Benefit Code Benefit Bare Essentials – Sum Insured Silver – Sum Insured Gold – Sum Insured Excess*
A Cancelling your trip $2,000 $10,000 $50,000 Yes
B1 Medical and other expenses outside Australia ❌ ❌ ❌ Yes
  Emergency overseas medical treatment ❌ ❌ ❌  
  Dental treatment ❌ ❌ ❌  
  Return of body or ashes to Australia ❌ ❌ ❌  
  Funeral or burial expenses outside Australia ❌ ❌ ❌  
B2 Hospital cash allowance ❌ ❌ ❌ ❌
C1 Additional emergency expenses ❌ $5,000 $25,000 Yes
C2 Resumption of journey ❌ ❌ $3,000 Yes
D Travel delay expenses ❌ Up to $50 per 12 hours (max $500) Up to $50 per 12 hours (max $1,500) ❌
  Including sub‑limit for delays between 8–24 hours ❌ ❌ $200  
  Including sub‑limit for delays after 24 hours ❌ $250 $300  
E1 Personal belongings and baggage $2,000 $5,000 $8,000 Yes
  Personal electronics sub-limit ❌ $2,000 $3,000  
  Valuables ❌ $500 $750  
  Single article / pair or set limit $500 $500 $750  
E2 Additional specified items cover ❌ Upgrade Upgrade Yes
E3 Delayed baggage ❌ $250 $500 ❌
F4 Passport and travel documents ❌ ❌ ❌ ❌
F5 Money ❌ $250 $500 Yes
F6 Accidental death and permanent disability ❌ $15,000 $15,000 ❌
G Personal liability $1,500,000 $1,500,000 $1,500,000 Yes
H Legal expenses ❌ ❌ $25,000 Yes
I Airline hijack ❌ ❌ ❌ ❌
J Pet care ❌ ❌ ❌ ❌
K Rental car excess waiver ❌ $4,000 $7,500 ❌
L Loss of income ❌ ❌ ❌ ❌
M1 COVID‑19 Expenses: Cancellation or trip disruption ❌ ❌ ❌ ❌
Sports Cover See Sports Cover in PDS        
Business Cover See Business Cover in PDS        

Why choose InsureandGo Australia for your Domestic Travel Insurance?

Our insurance products have been recognised by Canstar seven times. In 2025, we received the Finder Award for Domestic Travel Insurance and Travel Insurance Winner at the ProductReview.com.au awards. Previously, we’ve also been named Trusted Brand - Travel Insurance by Finder and been awarded Best for Seniors Travel Insurance by WeMondey.

We’ve insured more than 2 million Australian travellers, and we have an Excellent rating on Trustpilot.

Award-winning insurance provider

InsureandGo Australia is consistently ranked among the top travel insurance providers in Australia.

Back up for your belongings 

If your personal belongings are lost, stolen, or damaged during your trip, they may be covered for up to $8,000 with our Gold policy§.

Sports and adventure cover

150+ activities covered with no extra premium, from skiing to bungee jumping, plus add-ons available for higher-risk activities such as scuba diving, trekking, motorcycling over 500cc and triathlons.

Cover if your trip’s cut short 

Need to cut your trip short due to an event listed in your policy? You may be covered if you’re unable to continue your travels. 

Travel delay expenses

Travel delays that are out of your control? You may be covered for additional food and accommodation expenses incurred as a result of the delay.

What does Domestic Single-Trip Insurance include?

What’s included in your Domestic Travel Insurance, and the level of cover will depend on whether you choose our Bare Essentials, Silver, or Gold Policy. Depending on which policy you choose, you could be covered for:

  • Trip cancellation 
  • Travel delay expenses
  • Personal belongings and baggage
  • Personal liability
  • Legal expenses
  • Rental car excess waiver
  • Additional emergency expenses
  • Covid-19 trip disruption (excludes medical expenses for domestic travel)

Download PDS

What isn’t covered by Domestic Single-Trip Travel Insurance?

While Domestic Travel Insurance can cover a range of unexpected events, there are some situations it won’t cover. For Domestic Single-trip policies, exclusions include, but aren’t limited to:

  • Medical expenses in Australia (covered by Medicare or private health insurance)
  • Domestic travel on commercial cruise ships (requires separate Cruise Cover)
  • Claims arising from a natural disaster, unless you’ve purchased Natural Disaster Cover
  • Claims involving deliberate, reckless, illegal or criminal acts
  • Claims arising from war, invasion or military conflict
  • Claims arising from civil riots, blockades, strikes or industrial action of any type (except for those which were not public knowledge when you booked your trip).

For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Product Disclosure Statement (PDS).

Benefits of choosing our Domestic Single-trip Travel Insurance

Need more reasons to choose InsureandGo Australia for your Domestic Travel Insurance? 

From comprehensive protection to 24/7 emergency assistance, InsureandGo Australia offers added peace of mind, no matter whether you’re headed to the Red Centre or the coast§.

Comprehensive protection
From travel delays to adventure sports, InsureandGo Australia offers comprehensive cover for your Australian travels.
Fast online claims processing
With InsureandGo Australia, you can submit and track a domestic Single-Trip Travel Insurance claim online in minutes.
Flexibility built in
We know no traveller or trip is exactly the same. That's why we offer three plans, so you can choose the level of cover that works best for you.
Award-winning travel insurance
InsureandGo Australia’s travel insurance products have won more than 20 awards, and have been recognised by Canstar, Finder, and WeMoney.
24/7 emergency assistance
Our emergency assistance team is available around the clock if you need us.

Discover our other types of cover

Single-Trip International Travel Insurance
Suitable for one-off leisure or business trips to an overseas destination.

Learn More

Cruise Travel Insurance
Suitable for cruises in Australia and overseas.

Learn More

Annual Multi-Trip Insurance
Suitable international travellers who want one policy covering multiple trips.

Learn More

How to purchase Single-Trip Insurance for your domestic trip

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1. Get started

 

Select Single-Trip, your destination, travel dates and who is travelling with you.

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2. Choose your plan

Review the inclusions and coverage amounts, and choose from Bare Essentials, Silver or Gold.

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3. Review excess and upgrades

 

Add any extra cover you might need for things such as Winter Sports Cover.

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4. Add your personal information

 

We’ll need the policyholder’s information, including completing the Medical Questionnaire, and any pre-existing medical conditions. 

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5. Review quote, accept declaration and pay

 

Once you’re happy with the quote, accept the declarations and follow the steps to complete your payment. Alternatively, we can email you a copy of your quote, which you can purchase within 30 days, provided the travellers’ ages don’t change before your purchase.

Please note: If a promotional code was applied, it must still be valid at the time of purchase; otherwise, the quote will revert to the full price without the discount.

Ready to get a quote?

Protect your travels wherever you’re headed, with InsureandGo Australia’s award-winning1 travel insurance.

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Single-Trip Domestic Travel Insurance FAQs

Why consider travel insurance for a domestic trip?

Whether you’re travelling in Australia or abroad, disruptions happen. Domestic Travel Insurance can provide cover for certain insured events that may occur while travelling in Australia. This may include cancelling your trip due to a listed event, the rental car excess waiver if you have an accident, and more.

What does Single-Trip Domestic Travel Insurance cover?

Domestic Single-Trip Travel Insurance may cover you for a wide array of travel disruptions. The specific coverage and coverage amounts will be determined by the level of cover you select. At InsureandGo Australia, you can choose between three different coverage levels - Bare Essentials, Silver, and Gold policies. Depending on the circumstances and policy you choose, the following coverage is available:

  • Cancellation before departure: If you need to cancel your trip for one of our covered reasons, we may be able to help you recover certain costs associated with flights, accommodation, prepaid meals and activities.
  • Additional Emergency expenses: If you’re deemed unfit to continue with your holiday by a doctor, or an unforeseen tragedy such as a death or illness in the family occurs during your trip, and you need to book new travel arrangements, we may be able to provide coverage.
  • Natural disasters: If you need to cut your trip short due to a natural disaster, you may be covered if you’ve purchased our natural disaster travel insurance add-on as part of your domestic Single-Trip Travel Insurance policy.
  • Travel delay expenses: If a leg of your trip is delayed by more than 12 hours, you may be reimbursed for certain necessary additional expenses, such as meals and accommodation.
  • Personal belongings and baggage: If your personal belongings are lost, stolen, or damaged during your trip, cover may be available for any such items. Coverage amounts depend on your insurance policy. Cover for personal money that is lost or stolen may also be available, subject to proof of ownership and did not leave your items unattended.
  • Delayed baggage: We will pay up to the amount shown in the Table of benefits for the reasonable cost of buying essential items whilst your baggage is not in your possession if your baggage is delayed by an airline or transport company during your trip for more than 8 hours. Sub-limits are applicable depending on your level of cover and the length of time that your luggage is delayed. The sub-limits are specified in the Table of Benefits. This does not apply if you have Bare Essentials level of cover on the Domestic or International policies.
  • Personal liability: All 3 of InsureandGo Australia’s policy coverage levels provide coverage for personal liability. This may provide cover in the event you become legally liable for accidentally injuring someone or damaging someone else’s property during your trip.
  • Rental car excess waiver: If your rented vehicle is involved in a motor vehicle accident while you are driving, or the vehicle is damaged or stolen, you may be reimbursed for the rental car insurance excess that is charged to you by the rental car company, subject to the level of cover selected and applicable limits.
  • Sports and activities: Our policies include cover for a wide range of sports and activities, including but not limited to netball, cricket, snorkelling, cycling, and surfing. There are 150+ activities covered with no extra premium. To have cover for higher-risk activities like Tandem Sky diving, motorcycling over 500cc, and Scuba diving between 30 and 50 feet, the Activities Plus add-on will need to be purchased.
  • Legal and emergency expenses: Cover may be available to help with reimbursement for certain legal expenses and additional emergency expenses. 

For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Product Disclosure Statement (PDS).

What Domestic Single-Trip Travel Insurance add-ons are available?

You can enhance your domestic Single-Trip Travel Insurance policy by choosing one or more of our optional add-ons. These include:

  • Activities Plus: Activities Plus can provide cover for sports and activities that aren’t covered as standard. These include sports and activities like lacrosse, roller derby, kite boarding, tandem skydiving, tandem paragliding and more. 
  • Winter Sports Cover: If you’re travelling to one of Australia’s ski resorts, cover may be available for certain winter sports activities. 
  • Business Cover: Travelling for business? Our Business Cover may provide cover for lost, stolen, or damaged business equipment during your trip. 
  • Natural Disaster Cover: Purchasing our natural disaster coverage upgrade may provide you with extra financial protection for your holidays in the event of a natural disaster such as a cyclone, flood, bushfire, or other extraordinary natural phenomenon. 

For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Product Disclosure Statement (PDS).

What is the process for cancelling my policy if my plans change?

All InsureandGo Australia policies include a 21-day cooling-off period. That means if your plans change within 21 days of purchasing your domestic Single-Trip Travel Insurance policy, you’re entitled to a full refund if you haven’t started your trip or made any claims. 

If your plans change after three weeks and you want to cancel your policy, we’ll refund a portion of the premium for the outstanding period of cover, less any government charges and taxes that we cannot recover, provided you had not made a claim.

Is medical coverage included in Domestic Single-Trip Travel Insurance?

We don’t offer medical coverage of any type on our domestic Single-Trip Travel Insurance policies, as Medicare or private health insurers cover medical expenses in Australia. However, some policies may include limited benefits for permanent disablement or accidental death. These benefits are available under the Silver and Gold policy levels.

For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Product Disclosure Statement (PDS).

How do I make a claim if something goes wrong during my trip?

It’s easy to make a claim online with an InsureandGo Australia policy. If you need to make a claim, you will need to provide proof of ownership, proof of value (where relevant) and/or proof of the event you are claiming for within the requested timeframe. Here’s how:

  1. Log in to our eClaims portal and start your claim.
  2. Upload supporting documents, such as a police report if something was stolen, airline emails for delays or lost baggage, etc.
  3. Submit your claim as soon as reasonably possible, ideally within 30 days of the end of your trip.

Alternatively, you can download a claims form and email the completed form back to us, with copies of your supporting documents, at claims@insureandgo.com.au

Are winter sports activities like skiing covered under the policy?

Our domestic Single-Trip Travel Insurance policies offer coverage for 150+ sports as standard. Skiing and other winter sports aren’t covered as standard; however, our Winter Sports Cover add-on covers many winter sports. The Winter Sports Cover add-on includes activities such as Skiing and snowboarding, glacier walking, big foot skiing, off-piste skiing, ice fishing, and more.

With our Activities Plus add-on, you may be covered for activities including ice skating.

Excluded winter sport activities include, but aren’t limited to, back country skiing (against local advice or warning), freestyle skiing, and bobsleighing.

For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Product Disclosure Statement (PDS).

What doesn’t Domestic Single-Trip Insurance cover?

While InsureandGo Australia’s domestic Single-Trip Travel Insurance provides comprehensive coverage for your Australian holidays, we can’t cover everything. What you’re covered for will depend on the policy you choose. Sometimes, we don’t provide cover at all. You can find a complete list of what isn’t covered in your Product Disclosure Statement (PDS).

  • Medical expenses aren’t covered for Single-Trip Travel Insurance for domestic travel in Australia. 
  • Engaging in certain sports or activities, including but not limited to Cliff diving or cliff jumping, sky diving (alone), motorcross, and parachuting. 
  • Claims arising from an event where you were involved in any deliberate, malicious, reckless, illegal or criminal act. 
  • Recovering costs that would not have been incurred had you notified the appropriate holiday company or tour operator as soon as you knew you had to cancel your trip.

If you would like coverage for winter sports, business travel, natural disasters, or for one of the activities covered by Activities Plus, you can select these add-ons during the quotation process.

For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Product Disclosure Statement.

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§ Subject to sub-limits, terms, conditions, and exclusions that may apply. For full details and before making a decision, consider the relevant Product Disclosure Statement (PDS).