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Domestic travel insurance: Australia

Domestic travel insurance starts from $2.60 a day. Get cover for flight cancellations, lost luggage, COVID disruptions and more.

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Name Product Rearrangement costs if you get COVID-19 Theft or damage to lugagge Rental car excess insurance Standard excess
Zoom Domestic Travel Insurance
  • $7,500
$8,000
  • $200
Travel Insurance Saver Australian Travel
  • $4,000
$5,000
  • $100
Travel Insurance Saver Cancellation and Additional Expenses
  • $0
No Cover
  • $0
InsureandGo Bare Essentials Domestic
  • $2,000
No Cover
  • $100
Save 10%on InsureandGo policies with Finder. Use promo code: Finder10
InsureandGo Silver Domestic
  • $5,000
$4,000
  • $100
Save 10%on InsureandGo policies with Finder. Use promo code: Finder10
InsureandGo Gold Domestic
Finder AwardBonus
InsureandGo Gold Domestic
  • $8,000
$7,500
  • $100
Save 10%on InsureandGo policies with Finder. Use promo code: Finder10
Tick Basic Domestic Travel Insurance
  • $2,000
No Cover
  • $200
⭐ Finder Exclusive: Save 10% on travel insurance with Tick and choose between three domestic travel plans. Ts&Cs apply.
Tick Standard Domestic Travel Insurance
  • $3,000
$2,000
  • $200
⭐ Finder Exclusive: Save 10% on travel insurance with Tick and choose between three domestic travel plans. Ts&Cs apply.
Tick Top Domestic Travel Insurance
  • $7,500
$4,000
  • $200
⭐ Finder Exclusive: Save 10% on travel insurance with Tick and choose between three domestic travel plans. Ts&Cs apply.
Fast Cover Domestic Plus Travel Insurance
Optional
  • $7,500
$5,000
  • $200
Cover-More Domestic Basic Travel Insurance
  • $0
No Cover
  • $50
Cover-More Domestic Comprehensive Travel Insurance
  • $5,000
$5,000
  • $50
Cover-More Domestic Comprehensive+ Travel Insurance
  • $15,000
$5,000
  • $50
Cover-More - Inbound Travel Insurance
  • $15,000
$5,000
  • $250
World2cover Domestic Travel Insurance
  • $7,500
$5,000
  • $200
Easy Domestic Comprehensive Care Travel Insurance
  • $6,000
$6,000
  • $25
Australia Post Domestic Travel Insurance
  • $6,000
$10,000
  • $50
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What you need to know

  • Domestic travel insurance covers you for unexpected costs while travelling within Ausrtalia.
  • Thanks to your medical costs already being covered by Medicare or insurance, domestic policies are generally cheaper.
  • Cover starts from around $2.60 a day, so it offers decent value.

Is domestic travel insurance worth it?

Domestic travel insurance is generally worth taking out, although it's not always a no-brainer like international travel insurance is. That's because you should already covered for medical care in Ausrtalia, either with Medicare or an OVHC policy, if you're here on a visa.

Domestic tourism is always increasing - November 2023 saw 9.2 million overnight trips, up 8% from the year before. That's 9.2 million opportunities for luggage to get lost, plans to get interrupted or unexpected costs to crop up.

What does domestic travel insurance cover?

Plane icon

Delays and cancellations

30% of Australians have had issues with a low-cost carrier in the past 12 months, according to Finder research. Domestic travel insurance can cover you for cancelled or delayed flights.

Coronavirus

COVID-19 expenses

Lots of domestic travel insurance policies now cover COVID-related expenses e.g. if you need cancel or rearrange your trip because you catch COVID.

Lost luggage

Luggage and personal belongings

Comprehensive travel insurance policies cover lost and delayed luggage. This could be a really helpful benefit when travelling in Austrlia. According to Finder's latest 2023 research, almost 8% of Australians have lost personal items when travelling.

Cheap domestic travel insurance: InsureandGo

Gary Ross Hunter
Expert pick selected by Gary Ross Hunter – insurance and innovations editor at Finder

Insureandgo logo

Best Travel Insurance - Domestic

What's good about InsureandGo?

  • It's very cheap. Out of 23 insurers, its Domestic Gold policy is typically $180+ less than average.
  • The Bare Essentials option cost $2.60 a day for a 2 week trip. That makes it the cheapest policy on Finder.
  • The Domestic Gold option won Finder's domestic travel insurance award. It covers up to $50,000 for cancellations, $25,000 for travel delays, $8,000 for lost luggage, $5,000 for COVID cancellation and rearrangement costs, and $7,500 for rental car excess cover.
  • As the name implies, Bare Essentials covers well, the essentials - $2,000 for cancellations, $2,000 for lost luggage and it can cover pre-existing conditions with an assessment.
  • The Bare Essentials option is probably fine for short trips. It might not be enough for longer holidays.
  • The product disclosure statement is confusing. Unfortunately, this is an issue with many travel insurers.
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Domestic travel insurance and COVID-19

Lots of domestic travel insurance policies cover COVID-related expenses. These can include:

  • Trip rearrangement or cancellation costs if you, a fellow traveller or your host gets COVID and it impacts your trip
  • Expenses if you're unexpectedly forced into quarantine during your trip
  • A prepaid activity that's booked in Australia or New Zealand is shut down
  • Extra child care costs if you get COVID

Good reasons to get domestic travel insurance in Australia

Yes, you've got Medicare but there are lots of other ways travel insurance can come in handy:

  • Cancellations. This can include anything you've pre-booked – flights, accommodation, excursions and more.
  • Luggage. Lost and delayed luggage has been more common since COVID. Travel insurance can cover essentials so your trip isn't disrupted.
  • Hiring a car. Rental car excess cover is often included in your domestic travel insurance policy so you can avoid the pricey insurance at the dealership.
  • Snow trips. 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.

Compare domestic travel insurance

There are loads of domestic travel insurance policies to choose from. While most cover similar situations, you will find some differences with price and benefit limits. It's also often the case that certain benefits are automatically included or offered as add-ons.

Here is a list of some of our partners and how their domestic policies compare. The policy cost is based on a hypothetical 7-day trip taken by a 28-year-old traveller between 5 and 12 April 2024.

Southern Cross Travel Insurance

Domestic

InsureandGo

Gold Domestic

Tick

Domestic Plus

Trip cancellation

Unlimited

$50,000

$20,000
Travel delay expenses

$30,000

$1,500

$10,000
Luggage and personal belongings

$15,000

$8,000

$7,500
Resumption of journey
$3,000$3,000
Rental car excess

$6,000

$7,500$4,000
Policy cost$69.99$68.56$66.76
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Why compare domestic travel insurance with Finder?

  • We compare prices from more travel insurance brands than any other site in Australia

  • You pay the same price as buying directly from the travel insurer

  • We don't ask for your phone or email to see prices

  • Our travel insurance engine and expert picks makes it easy to find domestic cover

How to find cheap domestic travel insurance

Finding a cheap domestic travel insurance policy shouldn't be difficult. 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.

What's not covered with domestic travel insurance?

Because of Australia's public healthcare system, Medicare, domestic travel insurance rarely provides medical cover. As well as this, insurers will provide you a list of circumstances that will void your cover. 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 up.
  • 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 for no good reason. Your insurer won't reimburse you just because you changed your mind about travelling.
Angus Kidman

Meet our travel expert Angus Kidman

Angus Kidman is the international editor-at-large at Finder. He's an award-winning journalist, avid travel enthusiast and passionate frequent flyer. Angus appears regularly on Sunrise, Today, The Project, Seven News and other TV and radio shows to share his expert tips.

Angus's top domestic travel insurance tips

  • Your health insurance will cover you for injuries while in Australia, but you still need travel insurance to deal with unexpected cancellations and lost luggage.
  • One other common trap? Remember, you're not covered by Medicare on a cruise, even if it's only in Australian waters.
  • Shop around - there are big differences in the costs of policies with similar inclusions.

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