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Domestic Travel Insurance

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. Our standard excess amount is $100 but you can choose to remove or double this amount through the purchase process.  

Our products have been CANSTAR awarded in 2013, 2014, 2015, 2019. and 2022. We recently received the  Canstar 2022 award for “Outstanding Value – Seniors Travel Insurance” and “Trusted Service Award” of 2022 by Feefo. You can also check our Feefo and product reviews comments from real customers.


Why Domestic Travel Insurance is important

Travel disruptions can 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.

Annual trip

Why Travel With Us for a Domestic Trip?

All pre-existing conditions considered
Baggage covered up to $8,000 with Gold policies
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14 day cooling off period
Unlimited cover
Cancellation cover up to $50,000 with Gold policies
Cover for connecting flights^
Travel delay cover up to $1,500 with Gold policies
Award winning travel insurance company
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over for stolen cash up to $500 with Gold policies
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Rental vehicle excess waiver cover up to $7,500 with Gold policies
Quick and easy online claims process
Curtailment cover up to $25,000 (for Gold policies) which may include pre-paid hotel/ trips

What does a Domestic Travel Insurance policy cover?

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: Not all our policies cover domestic travel. For example, the ‘One-trip’ and (when available) the ‘Annual Multi-trip’ policies do not cover domestic travel in Australia. Please ensure that you select the right policy/policies for your needs.

  • Cancelling your trip before departure: Should the need arise where you must cancel your holiday for one of our covered reasons, we can help to recover the costs associated with flights, accommodation, and pre-paid meals and activities. Covered reasons for needing to cancel your trip include events like the unforeseeable death or illness of a family member or travelling partner that resides in Australia, being called for jury duty, or an accident involving a vehicle you were planning to travel in.
  • Cutting your trip short: We may be able to provide coverage if you are deemed unfit to continue with your holiday by a doctor, or for an unforeseen tragedy such as a death or illness in the family which occurs during your trip. If your trip is cut short due to a natural disaster, you may also be covered if you have purchased our natural disaster travel insurance upgrade.
  • Resumption of your trip: InsureandGo can return you to the airport closest to the location where you had to cut your original trip short and cover the cost of the airfare necessary to resume your trip for certain covered circumstances.
  • Travel delay expenses: If a leg of your trip is delayed by more than 12 hours, you may be reimbursed for any necessary additional meals and accommodation expenses.
  • Personal belongings and baggage: If your personal items are lost, stolen, or damaged during your trip, you may be covered for any such items so long as you weren’t careless in securing or protecting those items. Coverage amounts for personal belongings will vary depending upon your level of coverage. You may also be covered for any personal money that is lost or stolen so long as you can provide proof of ownership.
  • Delayed baggage: If your luggage is delayed by more than 24 hours, we can help recover the costs associated with buying essential items to get you through until your bags arrive. Be sure to keep all documents from airlines that prove your bags were delayed for more than 24 hours and retain your receipts associated with any essential items you purchased. There is generally no coverage provided for delayed baggage if it occurs during your final journey home.
  • Personal liability: All three of InsureandGo’s policy coverage levels provide coverage for personal liability. This covers you 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 limits that apply.

Additional coverage that a domestic travel insurance policy may cover includes reimbursement for legal expenses and additional emergency expenses. You may 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.

What does a domestic travel insurance policy NOT cover?

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.

  • Our domestic insurance policies do NOT provide coverage for medical expenses incurred during your trip. You may find coverage through Medicare or your private health insurer. However, we do offer limited compensation for permanent disablement or death with our Silver and Gold policies.
  • Changing your mind about a holiday and deciding you simply don’t wish to travel.
  • Recovering costs which 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 have certain pre-existing medical conditions that may give rise to a claim, or you are receiving or waiting for hospital tests or treatment for any condition or set of symptoms that have not been diagnosed.
  • You decide to travel against the advice of your doctor.
  • Claims arising from the use of a two-wheeled or three-wheeled motor vehicle.
  • Claims arising from an event where you were involved in any deliberate, malicious, reckless, illegal or criminal act.
  • Costs which you would have been expected to pay had the reason for the claim not occurred.
  • Claims where alcohol or drug use may have been a contributing factor for an event which led to the claim.

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.

Levels of domestic cover

InsureandGo offers three levels of domestic travel insurance cover which include our Bare Essential, Silver, and Gold policies. Be sure to read our PDS for full details regarding each level of cover.

Most Common Questions

Why do I need cover for domestic trips?

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.

Does your insurance cover damage to a rental car?

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.

Do you cover sports and activities?

There are 40 sports and adventure activities where accidental death and permanent disability 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.

I’m taking out the top cover, am I covered for anything that can go wrong on my trip?

Our premiums would be astronomical if we did that! There are limits and exclusions to all travel insurance policies, so we strongly advise you to read our product disclosure statement to see if our product is right for you.

Do you cover pre-existing medical conditions for domestic policies?

We do not offer medical coverage on domestic policies as Medicare or private health insurers cover medical expenses in Australia.

4. Do you provide cover for a domestic cruise trip?

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.

What is the longest time do you cover for domestic trip?

For domestic trip, maximum length of cover is 365 days. 

Domestic travel insurance for non-permanent residents

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 certain required criteria.

  • Non-permanent residents must have a valid Medicare card, private health fund, or overseas student travel insurance in Australia and it must remain valid for the entire duration of your holiday. (The Australian Government has certain agreements with countries around the world, called the Reciprocal Health Care Agreements (RHCA). If your country of residence is a part of this agreement then you may be able to receive Medicare benefits.)
  • Your trip must begin in Australia and you must be in Australia at the time of purchasing your insurance policy.
  • We do not offer any insurance for inbound travellers coming to Australia.

Domestic Insurance Upgrades

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.

Winter Sports Cover

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.

Business Cover

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.

Golf Cover

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 Disaster Cover

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.

Domestic Cruises

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.

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**Children (including fostered, or adopted children) travelling with either their parents or grandparents will be provided with travel insurance cover for no additional cost (any pre-existing medical conditions may incur an additional charge). This is provided they are under 18 years of age, named on the Policy Schedule and are financially dependent on either their parents or grandparents.