Most people think of travel insurance as something you only need when going overseas. But domestic travel insurance, for trips within Australia, can provide valuable protection in certain situations.
What Does Domestic Travel Insurance Cover?
Unlike international policies, domestic travel insurance does not include overseas medical cover (since Medicare covers you in Australia). However, it typically covers:
- Trip cancellation, Non-refundable flights, accommodation, and tours if you can’t travel
- Travel delays, Compensation if your flight is delayed significantly
- Baggage and personal effects, Lost, stolen, or damaged luggage
- Rental car excess cover, If you hire a car and have an accident
When Is Domestic Travel Insurance Worth It?
Domestic travel insurance is most useful when:
- You have non-refundable bookings (e.g., a cruise, resort package, tour)
- You’re travelling to a remote area (e.g., Kimberley, far north Queensland) where evacuation costs can be significant
- You have expensive luggage or electronics
- You’re travelling during peak season when delays are more likely
???? Tip: If you have a premium credit card, you may already have some domestic travel insurance cover included. Check your card’s product disclosure statement before purchasing a separate policy.
