Get comprehensive travel insurance while travelling within Australia with AIG's Domestic Travel Insurance.
Just because you are travelling domestically doesn’t mean you don't have to worry about travel insurance. The same delays, accidents and disruptions can occur just as easily when you are travelling around Australia, as they do when you travel around the world. Therefore, take a few minutes to consider whether AIG Domestic Travel Insurance offers the protection you need, whether you are heading off for a short trip over the border, or on a rambling holiday along the coast.
What features does it include?
The AIG domestic travel insurance plan includes cover for trips within Australia, including Lord Howe Island, Cocos Island and Christmas Island. You can also take out domestic travel insurance with AIG as:
- Single cover. Provides domestic travel cover for one adult, plus your financially dependent children or grandchildren travelling with you, if they are under 25 years old.
- Family cover. Provides cover for two adults who are travelling together, including spouses, de facto and travelling companions. Also includes cover for any financially dependent children or grandchildren under 25 who are travelling with you.
Both the family and single cover policies of AIG domestic travel insurance cover you for:
- Cancellation and emergency expenses option. This is an option you can add to your travel insurance plan and provides basic cover for the loss of non refundable travel pre paid expenses and emergency expenses.
- Cancellation fees and deposits. AIG will pay for any charges incurred if your trip is cancelled due to unforeseen circumstances such as illness, injury, accidents, retrenchment or strikes. This includes cover for travel agency fees and reimbursement of frequent flyer points.
- Emergency expenses. AIG pays for any additional accommodation, meals and travelling expenses, including personal emergency calls, if your travel is disrupted.
- Travel delays. If your trip is delayed by your carrier for more than 10 hours, AIG will pay for additional accommodation and meal expenses.
- Resumption of trip. Provides you with the cover to resume your trip if you are required to return home because of the death, illness or injury to yourself, your travelling companion, a relative or a close business associate.
- Home help. This feature means that AIG will pay up to $1,500 on a single policy and up to $3,000 on a family policy to provide you with housekeeping or other home services if required. This benefit applies if you have been hospitalised for more than 10 days and AIG has repatriated you home.
- Accidental death. AIG provides a death cover benefit if you die as the result of an accident or a terrorist attack during your travels.
- Accidental disability. If you are permanently disabled during your trip, AIG will pay you a lump sum disability benefit. You will also be covered for your liability in causing loss or damage to property and for injury or death. This includes you being liable for injuring other people, causing damage to their property and for any associated legal costs.
- Rental vehicle excess. AIG will pay the rental vehicle excess on your hire car if it is damaged or stolen. Cover is up to $4,000 and can be increased to $6,000 where your premiums increase at $15 per $500 of additional cover.
- Loss of income. AIG will pay you an income of $400 per week for up to 13 weeks if you are unable to work upon returning from your trip, as the result of an accident or terrorist attack which occurred during your travels.
- Financial default. If there is a default of your travel services provider, AIG will reimburse you the reasonable costs required to assist with finding new providers, excluding the default of a travel agent.
- Medical and hospital expenses. Your eligible medical, dental and accommodation expenses incurred during your travel will be paid by AIG under your domestic travel insurance policy, as well as any expenses related to the early return from your trip.
- Cash in hospital. If you are hospitalised for more than 48 hours while travelling, AIG will pay you $50 for each day after this initial period, to help you with out of pocket and incidental expenses to make your hospitalisation more comfortable.
- Loss of luggage and personal money. If your luggage or duty free purchases are lost, stolen or damaged AIG will cover these replacement costs. You’ll also be reimbursed for the loss or fraudulent use of your credit cards.
- Sporting equipment. Includes cover for lost or damaged sporting equipment under your luggage cover, up to the amount specified in your plan. Sporting equipment which is covered by AIG includes surf boards, boogie boards, skis, snowboards and tennis racquets, while golf clubs are covered at a higher rate. AIG also includes cover to pay for hiring golf clubs or ski gear, if your equipment is delayed in your luggage.
- Specific luggage items. You can also insure specific items in your luggage individually, up to $4,000 for one item, or up to a set maximum of $8,000 in total. This feature incurs an additional premium and requires you to provide the receipts and valuations of the items, which must not be more than 12 months old.
Interested in applying for this policy?
Just because you are travelling within your own country does not mean that unforeseen events can't cause great financial loss. With so many excellent cover options and the ability to tailor your policy closely to your requirements, the AIG domestic policy is a great option for anyone looking to get adequate cover for their next domestic getaway. You can receive a free quote for this policy and access the product disclosure statement by following the secure link through to the AIG website. Cover can be purchased entirely online in as little as 10 minutes.