12 Apostles

Domestic Travel Insurance

You wouldn’t go overseas without travel insurance. Here’s why it’s just as important for your Aussie trip.

Unless your entire Aussie holiday consists of a weekend at nana’s, you’ve probably sunk a lot of time and money into planning your trip. But even the smallest thing could ruin your plans: getting sick before you go, losing your luggage in transit, having your flights cancelled - and cost you a lot to boot. Getting domestic travel insurance can help give you peace of mind so you can relax knowing that you'll be covered when you hit the road.

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Why do you need domestic travel insurance?

If you think back to every holiday you’ve ever been on, you can probably point to something that didn’t go as planned.

Your flight was double booked. Your kid came down with the flu mid-trip. Some knucklehead drove off after backing into your parked rental car.

Situations like these have knock-on effects that eat into your hard-earned cash. Domestic travel insurance can help you out when you're in a pickle. Consider these examples:

snowboard The airline damages your skis. Ski equipment is expensive. Most brands offer ski insurance policies that will cover your equipment and reimburse you for unused lift passes if something goes wrong. There are similar policies for golfers, too.

backpack Your shopping holiday turns sour when a thief swipes your bags. Theft cover is a common feature in most policies, protecting both your money and belongings.

parachute You have to cancel your trip but you’ve already pre-paid for loads of activities. Your insurer will reimburse you for pre-booked activities if you have a good reason for missing them. For example, if illness causes you to cancel your trip; if the activity provider goes bust; or if a delayed flight holds you back.

sick You get sick on a domestic cruise. Won't Medicare or private health insurance help? Not necessarily. Unless there’s a Medicare-approved doctor on board your domestic cruise (it’s not required that there be one), you’re responsible for your treatment costs. If it's serious, it can cost thousands of dollars...it's best to avoid the drama by taking out cruise insurance. (Paradoxically, some insurers only market cruise insurance as an international product, but it achieves the same purpose.)

marriage You’re headed to a wedding and your flight gets cancelled. In most cases, the airline is responsible for rebooking the cancelled flights (often taking their sweet time in the process). But if you’re about to miss a very important event, some insurance policies will let you make your own last-minute arrangements and reimburse you later.

outfit You’re headed to a festival but the airline loses your luggage. A good policy will give you a daily allowance for necessities until you get your luggage back. And if it never arrives? The right policy will replace it all, including all those chic festival outfits.

car Local hooligans key your rental car. Without insurance, your rental car excess could be as much as $3,000 or more. Domestic travel insurance can reduce this to much more manageable levels. Of course, you could get car rental excess insurance from the rental company. But only if you want to pay more and lose out on all the other benefits of your travel policy. See how it compares below.

What does a typical policy cover?

Most domestic travel insurance policies cover similar situations, although you will find some differences including price, benefit limits and whether certain benefits are automatically included or offered as add-ons.

Here is a list of some top insurers within Australia and how their domestic policies compare. The policy cost is based on a hypothetical 14-day trip taken by a 28-year-old traveller between 13 October - 26 October 2018.

1 Cover Australia Post Zoom Cover More
Policy cost
  • $48.45
  • $69.00
  • $38.09
  • $77.00
Trip cancellation
  • Unlimited
  • $10,000
  • Unlimited
  • $10,000
Emergency expenses
  • $50,000
  • $10,000
  • $50,000
  • Included
Luggage delay
  • No cover
  • No cover
  • No cover
  • No cover
Personal liability
  • $5,000,000
  • $5,000,000
  • $5,000,000
  • $2,500,000
Travel delay expenses
  • $1,000
  • $1,000
  • $2,000
  • $750
Luggage and personal belongings
  • $15,000
  • $4,000
  • $7,500
  • $3,000
Theft of money
  • No cover
  • No cover
  • No cover
  • No cover
Special events
  • No cover
  • No cover
  • No cover
  • No cover
Resumption of journey
  • No cover
  • No cover
  • Included
  • No cover
Rental car excess
  • $5,000
  • $3,000
  • $5,000
  • $4,000
Ski cover
  • Optional
  • Optional
  • Optional
  • Optional
Cruise cover
  • Optional
  • Optional
  • Optional
  • Optional
Motorcycle cover
  • Included
  • Optional
  • Included
  • Optional
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Shouldn't I just get car rental excess insurance?

Sure you could get car rental excess insurance by itself, but that will only cover your rental car, and the cost is often much higher*. To get an idea of the difference, have a look at the cost of domestic insurance vs. insurance that only covers your rental car below:

State Cost of Car hire excess Cost of Domestic travel insurance You could save Domestic Policy
NSW $71.93 $31.50 $40.43 Columbus Direct Single Trip Standard Domestic
VIC $71.93 $33.24 $38.69 Tick Travel Insurance Top
QLD $71.93 $33.75 $38.18 Kango Eastern Grey Cover
WA $71.93 $38.64 $33.29 Insureandgo Silver Policy
TAS $71.93 $43.70 $28.23 Kango Big Red Cover
ACT $71.93 $45.95 $25.98 Travel Insuranz Deluxe
NT $71.93 $47.63 $24.30 Budget Direct Domestic

*The cost of domestic travel insurance is an average based on quotes for a one-week trip. The cost of car hire excess is based on an average online cost for one week, with quotes from VroomVroomVroom. These prices are not indicative of all policies and are to be taken as a rough guide. Prices are correct as of January 2018.

Greg doesn't get travel insurance for a roadtrip

Greg and his wife Gwen decided to take a road trip down to Melbourne up Australia’s east coast for the long weekend. Instead of taking their boring old hatchback for the trip, they rented a luxury vehicle from a rental car company to add some fun to their one-week journey.

A day before they left, Greg considered taking out a domestic travel insurance policy for $47. As well as cover for personal liability, cancellation fees and more, the policy would have provided $6,000 cover for rental vehicle insurance excess. Unfortunately, Greg forgot to purchase cover

When Greg picked up the rental car, the rental company offered the option of purchasing a car rental excess reduction for $25 a day. The cost was quoted $175 in total, to reduce the excess payable in the case of an accident from $3,000 to $100. Greg was keen to pinch his pennies and chose not to purchase cover.

So when Greg failed to check his mirror and reversed into a Mini in the carpark of a fast food restaurant, he knew he’d made a big mistake. Not only did he break a tail light on the rental, Greg also dented the bumper and significantly scratched the paintwork. Without domestic travel insurance cover in place or even the rental company’s excess reduction waiver, he had to pay the standard insurance excess of $3,000.

Cost of damage done to vehicle: $1,900
Insurance excess Greg must pay: $3,000

Cost of domestic travel insurance: $47
Amount Greg could have saved had he taken out cover: $2,953

How else can a domestic policy help?

The benefits of a domestic policy don’t end there. Many policies also offer the following benefits as standard:

  • If you have to cut your trip short. If a major incident makes you cut your trip short (e.g. you get injured, someone close to you is hospitalised, your home is destroyed), you could be reimbursed the cost of getting back home and even the cost of resuming your trip after you've taken care of business.
  • If an injury you received from travelling continues to impact your life. Medicare and health insurance will take care of the injury. But what about everything else? The right policy will help with loss of income and disability, and may even pay your family a benefit if you die while travelling.
  • You accidentally hurt someone or damage something. Most policies have legal liability protection that will kick in if you've unintentionally damaged someone or something.What does a domestic policy normally cover?

What’s not normally covered under your policy?

So far, so good. Now that you got what you need, let's make sure you don't void your cover. All insurers will provide you a list of circumstances that will void your claims. These are called exclusions. Here are some you may encounter:

  • You didn’t disclose a pre-existing condition. You'll be denied for claims related to pre-existing conditions unless your insurer approved it ahead of time. If you have an ailment, tell the insurer before signing on the dotted line.
  • You were careless with your belongings. Don't leave your stuff unattended. If it's stolen, the insurer won't replace it.
  • You acted recklessly. Say goodbye to your claim if you're drunk or high, or if you break the law.
  • You ignored medical advice. If the doctor says don't travel, you should probably listen. It's dangerous to your health and your claim.
  • You cancelled your trip “just because”. Your insurer won't reimburse you just because you changed your mind about travelling.

sydney opera house and skyline

How much does domestic travel insurance cost?

The cheapest cost of a week-long domestic trip on finder for a 35-year-old is around $28*, or less than 4 bucks a day. For the price of a cup of coffee, you get covered for a whole lot, including $1500 in rental car excess insurance, $5000 in cancellation cover, $5 million in personal liability and $10,000 for accidental death cover. You can probably find an even cheaper policy, but it won't cover as much.

What affects the price?

  • The length of your trip
  • How many people need cover
  • Those people’s ages
  • Whether or not you add optional cover like ski cover, cruise cover or rental car excess insurance
  • If you decide to cover a pre-existing condition that isn’t included in the standard policy

*This price was for a 7-day trip on 20 April 2018 and including rental car excess cover. Use the quote engine for the most accurate pricing.

How to save money on your policy

Some say that if you can't afford travel insurance, you can't afford to travel. That sentiment may ring true, but that doesn't mean you should pay more than you need to for the appropriate policy. You might be surprised at how affordable domestic travel insurance can be. All it takes is for you to carefully consider your travel needs and then to compare your options accordingly.

Here are a few simple ways you can reduce your domestic travel insurance premium:

  • Buy a bare-bones policy. Some insurers offer budget policies that only cover you for the most costly risks, like needing to cancel your trip or cut it short due to an emergency. Obviously you won't be covered for as much, but if you're looking to save, this is the easiest way to do it.
  • Increase your excess. You can reduce your premium by agreeing to pay a higher excess on your claims. Just don’t increase your excess to a level you’d have a hard time paying.
  • Bargain shop. Insurers often run special promotions. If you look hard enough, you’ll find coupon codes, giveaways and loyalty incentives.
  • Buy a joint policy. Many insurers will give you a discount if you and your travelling companion (be it friend or partner) take out a policy together. You’ll each receive full benefits in most cases.
  • Don’t add options you don’t need. Some people need extra cover, especially if their trip involves expensive hobbies like skiing. But if your flights and activities didn't cost much, you can go with a more no-frills policy instead.
  • Shop around. It definitely pays to weigh your options. Once you’ve determined what you need, comparing policies becomes much easier. Review your options carefully and pay attention to each policy’s features, limitations and exclusions.

sydney australia

Is it worth it for domestic flights?

Flights in and around Australia can often be quite affordable, so it’s tempting to assume it's worth the risk to travel uninsured. To test this out, let’s take a look at a case study.

Sarah is due to fly from Sydney to Perth for a two-week holiday in southwest WA, but just before she leaves, she breaks her leg and is forced to cancel her trip. Under normal circumstances, she’d be out the $560 she paid for her non-refundable round-trip ticket.

Luckily she had the foresight to purchase a domestic travel insurance policy for less than six bucks a day, and this entitled her to a full refund of the $560 fare. That’s a $480 net gain. Not too shabby!

To top it off, Sarah’s policy would have also covered a host of other cancellation fees and lost deposits had she also booked those. These include:

  • Pre-booked accommodation
  • Rental car hire
  • Pre-booked tours

So all of that would be refunded too.

How much will domestic travel insurance cost me?


Cost of domestic travel insurance is an average based on policies for a one-week trip, for a 32-year-old traveller. Cost of the flight is based on the average online cost of a return flight from Sydney to Melbourne on 10 January 2018.

How does travel insurance compare to the cover offered by my airline?

You may be aware of the fact that when you book flights for your holiday, you also have the option of purchasing travel insurance from your airline. However, airline travel insurance policies typically tend to offer a much lower level of cover than policies purchased direct from insurers. Check out the graph and table below to see just how airline cover compares with standalone travel insurance.

Airlines do have the option to purchase travel insurance through them. However, it's easy to see that the level of coverage is noticeably different when taking out an independent domestic travel insurance policy. The following chart highlights how airline cover sizes up against standalone travel insurance.

Jetstar vs Tiger vs Domestic Travel Insurance

Feature Jetstar Tiger Domestic Travel Insurance
Cancellation of ticket $5,000 $4,500 $10,000
Baggage $5,000 $4,500 $6,000
Car rental excess $0 $0 $5,000
Resumption of journey $750 $700 $6,000

Note: Cover amounts last checked 2016. Domestic travel insurance cover amounts are for illustrative purposes only and is not representative of all products in the market.

What will I actually be paid if my trip is cancelled?

Domestic travel insurance offers a cancellation cover to cover a range of pre-booked expenses in the event that you need to cancel your trip due to unforeseen circumstances.

What cancellations will you usually be covered for?

  • Travel expenses
  • Accommodation expenses
  • Pre-paid meal expenses
  • Excursions
  • Tours
  • Activities
  • Cancellation for flights and accommodation

Under what circumstances can a trip be cancelled?

  • Unforeseeable death, injury or illness of relative that resides in Australia
  • You have to go to court or have jury duty
  • Accident in the vehicle you were planning to use on a trip before you planned to travel
  • You are a member of the armed forces, police, fire, nursing or ambulance services and are required for duty
  • You are made redundant, provided you are eligible for redundancy payments as defined under current law
  • You need to stay home due to flood, fire, storm or burglary in your place of residence a certain period of time before you planned to leave

Traps to watch out for when choosing a domestic policy

Every year there are stories of people left devastated after learning their domestic travel insurance policy was unable to provide a benefit for their claim because it fell outside of what was covered in their policy. Be wary of these traps and pitfalls when searching for domestic travel insurance to cover your next Australian holiday:

  • Underinsurance. Cost is always a consideration when buying travel insurance but looking to cut costs at every turn can lead you into trouble. Underinsurance could have significant financial consequences if something goes wrong on your trip, so make sure any policy you choose provides sufficient cover.
  • Choosing the cheapest policy. While it is important to find a competitively priced policy, basing your purchase purely on price may leave you drastically under-protected. Research the policy features on offer and know what you are covered for. Cheaper cover will often have higher excess charges and greatly reduced benefit levels.
  • Buying cover from an airline or travel agent. Buying travel insurance through an airline or travel agent when you book your holiday may be convenient, but it’s also usually unnecessarily expensive. Many airlines and travel agents add substantial commissions on top of the policy price, so you can save a lot of money if you buy cover directly from an insurer instead.
  • Not reading the fine print. A travel insurance PDS is not what you’d call an entertaining read, but it is something you should examine closely before buying a policy. Look at the benefits, cover limits and exclusions to ensure that you know exactly what your policy does and does not cover.
  • Per-item limits. It is crucial to know the conditions for payments for lost luggage and expensive items. While the policy may state "up to $5,000 cover for lost items", there may only be a benefit of $600 per item provided. These sub-limits are often applied to expensive items.
  • Cover for the activities you plan to do on your trip. If you are participating in particular sports or activities on your trip it is important to find out whether or not they will be covered.

I travel often - should I get an annual multi-trip policy?

Searching for annual travel insurance to cover your trips within Australia? If you’re a frequent traveller, purchasing an annual multi-trip policy can be much more cost-effective than buying a separate policy for each trip you take.

Annual multi-trip domestic travel insurance provides cover for all the holidays you embark upon within Australia across a 12-month period. There’s usually a maximum limit on the length of each individual trip, but otherwise these policies provide all the benefits you would expect in an ordinary travel insurance policy.

  • What are the benefits of taking out an annual policy? An annual policy can offer both convenience and great savings, as you will only need to apply for cover once and have the peace of mind that you are covered for all domestic journeys you take in any 12-month period. This option can be much cheaper than applying for multiple policies over the course of a year.
  • Who should consider an annual domestic travel insurance policy? An annual policy is only really suitable for people that travel 3 or more times per year. If you only need cover for 1-2 trips, it is probably more cost-effective for you to take out a single-trip policy. Most insurers will not provide annual policies to travellers over 60 years of age, as they need to assess any health risks that they may present. Annual policies are also a great option for people that need to travel last minute for business.
  • Can I get an annual policy to cover both international and domestic trips? Yes, it is possible to get an annual policy that will cover both trips within Australia and trips overseas. This could be a good option if you're looking to take a cruise trip but stopping off at Australian ports, your work sees you regularly travel both interstate and abroad or if you just love to get away both within Australia and overseas. It is important to note that not all insurers will cover both domestic and international trips so make sure you check the terms and conditions.

How can I get insurance for my caravan holiday?

Planning an Aussie holiday with your caravan in tow? If so, you obviously won’t need the cover for flight cancellation costs provided by domestic travel insurance, so is it worth your while purchasing a policy?

The answer really depends on what you have planned for your holiday. If you’ve pre-booked a lot of your holiday expenses – caravan sites, tours, ferry tickets (eg Spirit of Tasmania) etc – cancellation cover can still be useful. Other benefits, such as cover for theft, stolen or damaged personal items and trip disruption costs, could also come in handy, so it’s up to you to decide whether you need cover.

At the time of writing, there are no Australian insurers that offer a custom caravan holiday insurance product. Because of this, it’s also important to examine the cover provided by your caravan insurance policy. Comprehensive caravan insurance covers loss or damage caused by accidents, fire, storm, theft, malicious damage and more, so it’s worth reviewing your cover before hitting the road.

How to choose domestic travel insurance

How can you find the right domestic travel insurance policy at the right price? Follow a few simple steps:

  1. Think about the cover you need. Do you want cover for the essentials only or ultimate peace of mind? Do you need to add any optional extras, such as cover for adventure sports or high-value personal items?
  2. Consider your budget. How much do you want to pay for cover? Can you vary your excess to lower your premium, or take advantage of any other discounts available?
  3. Get quotes. Once you have a better idea about the level of cover you want, obtain quotes from multiple insurers. This will help you work out how much cover costs and which insurers can help you save money.
  4. Compare policies. Take a closer look at the benefits, limits and exclusions of any policy you are considering. This will allow you to work out which policy provides the best value for money and is the best choice for your Australian holiday.

What if I'm not an Australian resident?

Not from around here? No worries. With so many non-permanent residents joining our friendly communities all around Australia, there are travel insurance plans available for non-residents of Australia to make sure that you too are protected for everything you 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.

Do you need domestic travel insurance for Australian cruises?

It might sound counterintuitive, but you’ll want to get international travel insurance if you are cruising domestically. That’s because domestic cruises are a kind of healthcare Twilight Zone: Medicare probably won’t cover you for treatment on domestic cruises, and domestic travel insurance won’t help because it isn’t built to offer medical cover.

Most insurers will slot their domestic cruise insurance in with their international policies since the cover looks more like international policies than domestic ones. Regardless of how they categorise it, you need to be clear with your insurer about where you are cruising and confirm that medical cover is included.

How to find the best domestic travel insurance

The best domestic travel insurance policy is the one that offers high benefit limits for the situations that matter most to you, and that also cover you for a wider variety of situations.

Here are some ways you can identify which policy is the best one for you:

  • What are the benefit limits? A benefit limit is the maximum amount of money you can be repaid for any specific area of cover. For many travellers, the most important areas of cover will be trip cancellation and lost luggage. Look for policies with unlimited cancellation cover and enough lost luggage cover to replace all of your luggage and personal belongings if someone stole them or the airline lost them.
  • Are you going to a wedding or other special event? If a transportation delay will cause you to miss a special event (such as a wedding, funeral or 50th wedding anniversary), the best policy will pay you to make last-minute arrangements to be there on time. Other policies might pay you back for some of the money you spent on the event if you miss it, but they won’t do anything to get you there on time.
  • Do they give you separate benefit limits for seperate areas of cover? The best policies will structure it this way, whereas average policies will offer you one benefit limit for multiple areas of cover. For example, the emergency expenses benefit covers you if you suddenly become ill on your trip and you need to come home or spend extra on emergency accommodation. However, some policies bundle this together with trip cancellation cover, meaning you don’t actually have as much trip cancellation cover as you originally thought.
  • Are you renting a car? If you take out car insurance on your rental car, your out-of-pocket expenses (or your excess) can run into the thousands of dollars if you cause an accident. Rental car excess insurance will help you pay for that. Most policies offer this, but the best policy will be the one that offers you the highest limit – especially if you’ll be driving a lot.
  • Does it automatically cover special activities? Many policies will make you pay extra if you want to be covered for riskier activities like skiing, motorcycle riding and cruising. If you will be doing any of these activities, the best policy will cover them automatically or at very little extra cost.
  • Are there any other perks? If you truly want the most comprehensive policy you can get your hands on, keep your eye out for a few other benefits that you’ll only find on certain policies. Most policies won’t cover you if your money is stolen, if your personal documents are destroyed or if you experience a few extra expenses because of a late flight. However, some of the best policies will offer these extra benefits.

Does the cost of insurance change based on where you travel in Australia?

No. Most insurers charge exactly the same no matter where you are travelling in Australia. This is good news for those flying across the country or staying somewhere fancy, because it means you won’t be paying any extra even if your trip costs more. Even those travelling to remote locations will pay the same as they would if they were going anywhere else.

If you are going to the ski slopes, you have the option to buy additional ski cover that will cover you for bad weather, gear rental excess and lost/stolen equipment related to skiing. But this extra cost is not based on where you’re travelling. It’s based on what activities you will be doing.

Get domestic travel insurance quotes

Find out more about non-resident travel insurance

Common questions when it comes to domestic cover

Check the latest travel insurance industry news

*$23 quote price based on 40-year old traveller going to Melbourne for 7 days on the 20th of February 2018. Prices are indicative only and subject to change based on your individual details - please use the quote engine for the most accurate pricing.

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24 Responses

  1. Default Gravatar
    January 9, 2019

    I’m trying to find which travel insurers will cover the 2 of us for an Australian interstate trip that has a flight to Bali in it. Is there just one policy I can purchase and with whom?

    Thank you,

    • finder Customer Care
      JeniJanuary 12, 2019Staff

      Hi Susan,

      Thank you for getting in touch with finder.

      On this page you’re looking at you may enter all your destinations to start comparing your options. I suggest that you contact your chosen insurer to discuss your cover and for further assistance on getting a travel insurance to cover you and your companion.

      You may want to read more about getting travel insurance for your Bali trip on this page .

      I hope this helps.

      Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!


  2. Default Gravatar
    BarbaraAugust 7, 2017

    I am going to rent a hire car. All the extra costs in case of an accident make it very expensive. Can I take out domestic insurance to help cover these extra costs.

    • Default Gravatar
      JonathanAugust 7, 2017

      Hello Barbara,

      Thank you for your inquiry.

      You can check your options on this dedicated page we have.

      Please review the fine print and the requirements for cover.

      Hope this helps.


  3. Default Gravatar
    JanJuly 2, 2017

    Is Christmas Island considered to be domestic?

    • finder Customer Care
      RenchJuly 2, 2017Staff

      Hi Jan,

      Thanks for your inquiry.

      Christmas Island is considered as international. You may check this page for International Travel Insurance.


  4. Default Gravatar
    VickiOctober 22, 2016

    We will be travelling to the Kimberley next year on a tour. I realise that any medical expenses are covered by Medicare but what happens if you need to be evacuated out. Does Medicare cover this or travel insurance?

    • finder Customer Care
      RichardOctober 24, 2016Staff

      Hi Vicki,

      Thanks for your question. Domestic travel insurance doesn’t cover any costs related to medical treatment as these costs will be covered by either Medicare or your private health insurance.

      All the best,

  5. Default Gravatar
    BeisJune 22, 2016

    We are about to go on a road trip in Australia with our own car.
    It will involve about 7000 kilometres and take around 6 weeks. We have booked and paid for around $5000 for accommodation along the way. Would you recommend travel insurance and if so what should we ask for?

    • Default Gravatar
      March 31, 2018

      I will be travelling to the Whitsundays in May. I would like to make sure Im covered for flight cancellations, accommodation expenses, meals(as I have breakfasts included), transfers, lost baggage, lost or stolen credit cards, mobile phone and tablet, snorkelling on excursions, basically my personal belongings and my out of pocket expenses. Id like to know the best policy as they all vary so greatly in price. Also Im concerned about cyclones etc, are they generally covered?.

      Thank you

    • Default Gravatar
      LiezlMarch 31, 2018

      Hi Amanda,

      Thanks for visiting finder! While we are unable to recommend a particular product, you may use our comparison tool above to compare quotes from different brand. Our travel insurance guide on this page detailed the key features that you should look for in a policy.

      Generally, travel insurance policies include trip cancellation, trip delay expenses, and lost/damage luggage and personal belongings covers. Moreover, recreational water sports like snorkelling are automatically covered. However, the extent of coverage and limits depend on the level of cover you’ll take.

      As for natural disasters, the coverage differs between insurance brand but they generally cover cyclone and other extreme weather events listed on this page. In case you’ll also go for a cruise on Australian waters, make sure to indicate ‘Cruise’ as specific cover and ‘South Pacific’ as destination, as recommended by most brands to ensure coverage in case of emergency medical expenses.

      Please make sure to read as well the eligibility criteria, features, benefits and limits of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.


    • finder Customer Care
      RichardJune 23, 2016Staff

      Hi Beis,

      Thanks for your question. finder.com.au is a comparison service and we are not permitted to provide our users with personalised financial advice or product recommendations. Domestic travel insurance can provide you with protection for your prepaid expenses. However, in most cases, your car will not be covered.

      To compare domestic travel insurance policies, please enter your travel details into the comparison tool above.

      I hope this was helpful,

  6. Default Gravatar
    JackyJune 13, 2016

    We are wanting insurance for travel within Australia using our own vehicle towing a caravan. We’ve booked many tours and caravan parks so were wanting cover for any unforeseen issues that may prevent us from going.

    • finder Customer Care
      RichardJune 14, 2016Staff

      Hi Jacky,

      Thanks for your question. If you enter your travel details into the comparison form at the top of the page, you will be able to see which policies offer cancellation cover and find the cover that is most suited to your budget. It’s important to remember that generally domestic travel insurance will only cover rental vehicles and not vehicles you own.

      I hope this was helpful,

  7. Default Gravatar
    michaelJanuary 5, 2016

    how do i get a quote for domestic travel. i am traveling to cairns and return

    • finder Customer Care
      RichardJanuary 6, 2016Staff

      Hi Michael,

      Thanks for your question. All you need to do is enter destination (Australia), your travel dates and your age into the quote engine. Once you’ve done that, you will be able to compare the travel insurance brands in our panel.

      I hope this was helpful,

  8. Default Gravatar
    GrahamSeptember 15, 2015

    I’m going on a car trip and don’t have any roadside assist packages yet but am considering one. Can I get travel insurance that will cover additional costs such as car rental, should my car break down?

    • finder Customer Care
      RichardSeptember 17, 2015Staff

      Hi Graham,

      Thanks for your question. Generally, travel insurance will cover you for these costs if it’s a hire car, not your own car.

      I hope this was helpful,

  9. Default Gravatar
    February 27, 2015

    Re Westpac Black card travel insurance,does this cover domestic travel, and for international car hire does it cover CDW car insurance
    Tks Harley

    • finder Customer Care
      ShirleyFebruary 27, 2015Staff

      Hi Harley,

      Thanks for your question.

      The Westpac Black card provides interstate protection for: interstate flight inconvenience as well as rental vehicle excess insurance.

      For international car insurance, unfortunately the PDS doesn’t reference to anything related to CDW. If you’d like you view the PDS here or speak to Zurich directly about your options or eligibility.


  10. Default Gravatar
    JenFebruary 14, 2015

    I am going on cruise around south australia so not covered under medicare while at sea, need appropriate travel insurance

    • finder Customer Care
      RichardFebruary 16, 2015Staff

      Hi Jen,

      Thanks for your question. Unfortunately, finder.com.au is a comparison service and not an insurer. However, if you would like to compare policies from the providers in our panel and receive a quote, please fill out the form at the top of the page with your travel details.

      The region of travel may vary from insurer to insurer but generally you’ll need to select something like ‘Pacific’ in order to get appropriate cover for cruises around Australia.

      I hope this was helpful,

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