Travel insurance within Australia

Planning an Australian getaway? Discover the benefits of travel insurance for trips within Australia.

It’s no secret that Australia is one of the top holiday destinations in the world. Each year a steady stream of travellers come Down Under to see what we take for granted everyday. Now, Australians are getting in on the act. Whether it be due to be to budgetary restrictions or just curiosity, Australians are taking advantage of what Australia has to offer and choosing to travel domestically.

However, one common mistake Aussie travellers make is thinking that just because they aren’t leaving the country they won’t need travel insurance. While they are covered for medical through Medicare, and any other private health insurer they may have, travel insurance protects a lot more than just your health.

The chances of cancelled accommodations, delayed flights, lost bags and injuries occurring are equally as high within Australia as they are beyond our borders, so it makes sense to be prepared for all possible ‘what if’ moments and protect yourself from being left out of pocket and miserable after what was supposed to be your dream holiday.

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Benefits of Having Travel Insurance Within Australia

As the saying goes, if you can’t afford travel insurance, you can’t afford to travel – even within Australia.

Travel insurance is an investment in peace of mind, for both you and your family. It’s also a way to protect yourself from being left out of pocket from unexpected scenarios such as illnesses, accidents or cancellation.

You don’t want to waste your time chasing up bills and coughing up large sums of your hard earned savings to cover costs for a rental car that had to be towed or a cancelled booking for a hotel.

If you intend to hire a car, you’ll also be glad to know that most domestic travel insurers within Australia automatically include cover for the rental vehicle insurance excess, which is generally much more affordable than the high excess associated with domestic car rentals.

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Domestic Travel Insurance Within Australia

Though the exact benefits for domestic travel insurance within Australia will differ from one insurer to another, some common covers include:

rusty hotel sign in australia
  • Travel delay. Travel delay protects against unexpected events such as sickness, natural disaster, strikes or the loss of travel documents cause your trip to be delayed.
  • Cancellation fees and lost deposits. Cancellation cover allows policyholders to reclaim any deposits you lose or extra cancellation fees caused by an unexpected situation causing you to cancel your prepaid holiday arrangements.
  • Luggage and personal effects. Luggage and personal effects covers the repair or replace any lost, stolen or damaged personal belongings.
  • Rental vehicle insurance excess. Rental vehicle excess insurance covers the costs associated with the rental company excess if you crash, damage or have your rental car stolen.
  • Accidental death. Accidental death provides a lump sum if you suffer an injury during your trip that results in your death within 12 months.
  • Personal liability. Personal liability covers legal costs if you become responsible for causing injury to another person or their property during your trip.

On top of all that, some insurers will offer additional options to protect you for specific causes such as sports-related injuries or business equipment for the travelling executive, making travel insurance a must for whatever sort of trip you’ve got planned within Australia.

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Travel Insurance Within Australia for Non-Residents

Not from around here? Don’t worry. With so many nonpermanent residents joining our friendly communities around Australia, there are travel insurance plans available for non-residents of Australia to make sure that you too are protected for everything you may need for the entire duration of your visa.

While the exact eligibility requirements for a non-resident travel insurance policy will depend on your chosen insurance provider, most insurers allow travel insurance within Australia for non-residents if you are planning to spend the majority of your trip within Australia.

Generally, you will need to be travelling to Australia on either one of these following visas:

  • 457 Temporary Business long stay
  • 405 or 410 Retirement or Investor Retirement
  • 411 Exchange
  • 416 Special program
  • 417 Working Holiday
  • 422 Medical Practitioner

If you are already living within Australia, you may be required to show proof that you have private health insurance cover or Medicare membership in place. You may also be required to wait a specified ‘waiting period’ before you can start claiming, so timely preparation is key when choosing a non-resident travel insurance.
Find out more about non-resident travel insurance

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General Exclusions for Travel Insurance Within Australia

Of course, having a travel insurance for your trip within Australia is not an automatic free get out of jail card, and there will be some general exclusions to keep in mind.

Some typical reasons why your claim may not be approved include situations where you:

    • ignored the travel warning advisories from the Department of Foreign Affairs and Trade and travelled to a region that had a DO NOT TRAVEL warning
    • were irresponsible such as acting up while under the influence of alcohol or leaving your luggage without supervision in a public place
    • were under the influence of drugs other than those prescribed by a medical practitioner and taken accordingly
    • are claiming for a pre-existing medical condition that you didn’t tell your insurer about when you first applied for your Japan travel insurance
    • acted illegally or unlawfully
    • were participating in high-risk adventure sports or activities
    • are claiming for anything relating to self-inflicted harm, including suicide
    • are claiming for anything relating to acts of war, rebellion or terrorism.

As with any insurance product, it is essential to read the full Product Disclosure Statement (PDS) to be aware of all exclusions that may be in place so you’re not left alone in the dark.

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Travel Insurance Within Australia FAQs

Are pre-existing medical conditions covered?

This will depend on what sort of condition you have. The best way to find out if you are automatically covered is to look at the Product Disclosure Statement (PDS) for your chosen domestic travel insurance policy. Most PDS will outline a list of approved pre-existing medical conditions that are automatically covered. In any case, you should let your insurer know at the time of purchase.

What if I have travel insurance and there is an emergency while I am travelling?

Most insurers commonly offer a 24/7 emergency assistance service from anywhere around the world, including Australia and domestic travel. Contact your travel insurance provider to see if they offer this service and their best phone number for contact.

Where can I compare domestic travel insurance prices?

There are many domestic travel insurance providers within Australia and it’s easy to feel overwhelmed when researching. You can compare quotes and prices on domestic travel right here on, and ask our friendly support chat any questions you may have.

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Apply for Travel Insurance within Australia

With many Australians choosing to join the tourists to explore our own country and its pockets of beauty scattered throughout the country, it’s easy to get caught in the excitement and a false sense of security because we are used to taking our comforts of home for granted.

To protect yourself against all possible ‘what if’ scenarios and ensure a peace of mind for your next trip around Australia, travel insurance for your travels within Australia is an absolute must.

Compare Quotes Travel Insurance Within Australia

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Domestic Travel Insurance Comparison

Rates last updated February 23rd, 2018
Brands Product Product Details Apply
InsureandGo Domestic

$10,000 cancellation fee

$1,500,000 personal liability

$5,000 emergency expenses

$5,000 luggage and personal effects

Get quoteMore info
Southern Cross Individual Single Journey

Unlimited overseas medical and evacuation cover

$1 million personal liability cover

$25,000 cover for lost baggage and personal items

Cover for up to $1,000 lost cash and travel documents

$5,000 cover for rental vehicle excess

Get quoteMore info
1Cover Domestic

$1,000 disruption of journey

$25,000 accidental death

$15,000 luggage and personal effects

Unlimited cancellation fees and lost deposits

Get quoteMore info
Woolworths Travel Insurance Comprehensive Travel Insurance

Free Global Roaming SIM with every new Comprehensive policy, T&Cs apply

Unlimited overseas emergency medical expenses

$12,000 cancellation fees and lost deposits

$10,000 luggage and personal effects

$12,000 additional expenses cover

Get quoteMore info
Travel Insurance Direct Domestic

$10,000 cancellation fees and lost deposits

$4,000 rental vehicle excess

$4,000 luggage and personal effects

$1,000,000 personal liability

Get quoteMore info
AIG Annual Multi-Trip Domestic

Unlimited cancellation fees and lost deposits cover

$15,000 luggage cover

$4,000 rental vehicle excess

Get quoteMore info
CoverMore Domestic annual multi-trip

$10,000 additional expenses

$3,000 Luggage and travel documents

$4,000 rental vehicle excess

$10,0000 disability

Get quoteMore info
Virgin Money Domestic

$25,000 additional expenses

$10,000 luggage and personal effects cover

$1,000,000 personal liability cover

$15,000 cover for accidental death

Get quoteMore info
Worldcare Travel Insurance Domestic

Unlimited cancellation fees and lost deposits

$2.5 million personal liability

$3,000 rental vehicle excess

$25,000 accidental death

Get quoteMore info
Easy Travel Insurance Australian Travel Plan

$10,000 cancellation or holiday deferment costs

$5,000 rental vehicle excess

$4,000 luggage and personal effects

$300,000 personal liability

Get quoteMore info Domestic Trip

$25,000 permanent disability

$5,000 luggage and personal effects

$5,000 rental vehicle excess

Get quoteMore info
Fast Cover Domestic Plus

Unlimited cancellation fee

$2,000 travel delay

$7,500 luggage and personal effects

$5,000,000 personal liability

Get quoteMore info
AMEX Travel Insurance Single Trip Ultimate

Unlimited cancellation fees and lost deposits

Unlimited overseas medical expenses

$15,000 Luggage and personal effects

$3,000 Rental vehicle excess

$2,000 Travel delay expenses

Get quoteMore info
Downunder Domestic

$10,000 cancellation fees and lost deposits

$10,000 alternative travel expenses

$5,000 luggage and personal effects

$25,000 permanent disability

Get quoteMore info
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Richard Laycock

Richard is the insurance editor at He is on a mission to make insurance easier to understand.

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