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Travel Insurance For Your Domestic Travels

Fast Cover Domestic travel insurance policies provides cover specifically designed for domestic self-drive, bus, train or airline travel within Australian States and Territories.

What is domestic travel insurance for Australia?

Domestic travel insurance is a policy that provides cover for travel to Australian states, territories and islands within its maritime borders. It can provide cover for cancellation due to illness or injury, lost, stolen or damaged luggage, cancelled flights, rental vehicle insurance excess, personal liability and other unexpected circumstances. 

Do I need travel insurance for domestic travel in Australia?

As you’ll be travelling within Australia, your health expenses are already covered by Medicare or your private health insurance. But if an injury or sickness does occur prior to your trip which results in you needing to cancel your trip, you may be able to claim for your cancellation expenses.

Besides, illness or an injury affecting your holiday, there are still things that can and do go wrong, including your luggage being stolen, having an accident in your rental car and being liable for the rental vehicle excess, or your flight is delayed for over 6 hours and you have to book overnight accommodation until you can take the flight. It’s better to be prepared for any unexpected situations which could turn a dream local holiday into a nightmare, and that’s why you should consider taking out domestic travel insurance for your domestic trip.

Why buy domestic travel insurance?

You can get domestic insurance for a wide range of benefits so you can embrace the opportunities that are available to you when travelling around Australia including skiing, hiking, diving and driving!

If you’re travelling domestically within Australia, you should consider a policy that provides 24-hour emergency assistance as well as cover for what’s most important to you.

Domestic travel insurance includes benefits that provide cover for:

Trip cancellation

Unlimited cover for cancellation of your holiday due to an unexpected illness or injury.

24 Hour Emergency Assistance Helpline

Should you find yourself in emergency situation, you should call 000, but our emergency team are also there 24/7 to assist you. 

Lost Luggage

Cover for the loss, theft or accidental damage of luggage and personal items.

Rental Car Insurance Excess

Automatic Rental Vehicle Insurance Excess up to $5,000 if you're hiring a car or campervan. 

Trip Disruption

Expenses incurred if your travel companion is sick or injured.

Trip Resumption

Covers the cost of returning to your trip if it was interrupted for unexpected reasons outside of your control.

Travel Delay

Expenses incurred if your trip is delayed or you miss a connecting flight to a special event. 

Snow Sports

Cover for your ski and snowboarding equipment and prepaid ski passes.

Accidental Death

In the unfortunate event of the death of a traveller listed on the policy, there is a lump sum payment of $25,000 for travellers up to the age of 79, $20,000 for travellers aged 80 to 89, and $5,000 for any one accompanying dependant.

 

Personal liability

Cover for any compensation payable for damage to property or injury/death of a person and the costs associated with defending claims of legal liability. This does not extend to motor vehicle accidents with a rental vehicle, this should be covered under the rental car insurance.   

See the table below for more information about what's included under each benefit.

 

Please note: This is only a summary of benefits. Policy terms, conditions, limits, sub limits and exclusions apply to each cover type. Benefit limits shown are for Single and Duo (per person) policies. Pooled Benefits mean that Family policy benefit limits apply for the whole family and are double the corresponding benefit limit under a Single policy, except for certain benefits - please refer to the Product Disclosure Statement for full details. ^Cover under these Benefits are excluded while travelling within Australia.


Medical Benefits

 Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Overseas 24/7 Emergency Medical Assistance^

sub-limits:

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Funeral/cremation Overseas and/or bringing your remains back to Australia (per person)

 $20,000 $20,000 $20,000 $20,000 $20,000

Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person)

 $60,000 ––– $60,000 $60,000 $60,000 $60,000

Overseas Emergency Medical & Hospital Expenses^

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Emergency Dental

 $500 ––– $750 $1,000 $1,000 $1,000

Overseas Emergency Evacuation & Repatriation

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Hospital Cash Payment^

sub-limits:

 ––– ––– ––– $5,000 $5,000 $5,000

Daily Limit (per person)

 $50 $50 $50

Accidental Death

Travellers Aged 80 to 89:
 ––– $25,000
$20,000		 ––– $25,000
$20,000		 $25,000
$20,000		 $25,000
$20,000

Accidental Death for travellers up to age 79

 $25,000 $25,000 $25,000 $25,000

Accidental Death for travellers aged 80 - 89

 $20,000 $20,000 $20,000 $20,000

Accidental Death of a Dependant (per Dependant)

 $5,000 $5,000 $5,000 $5,000

Permanent Disability^

Travellers Aged 80 to 89:
 ––– ––– ––– $50,000
$20,000		 $50,000
$20,000		 $25,000
$20,000

Permanent Disability for travellers up to age 79

 $50,000 $50,000 $25,000

Permanent Disability for travellers aged 80 - 89

 $20,000 $20,000 $20,000

Permanent Disability of a Dependant (per Dependant)

 $5,000 $5,000 $5,000

Loss of Income^

sub-limits:

 ––– ––– ––– $10,400 $10,400 $10,400

Weekly Limit (per person) - up to 26 weeks

 $400 $400 $400

Financial Benefits

 Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Trip Cancellation Expenses

sub-limits:

 ––– Unlimited $25,000 Unlimited Unlimited Unlimited

Travel Agents Cancellation Fees

 $1,500 $1,500 $1,500 $1,500 $1,500

Close Relatives that do not meet Close relative conditions

 $2,000 $2,000 $2,000 $2,000 $2,000

Personal Liability

 $1,000,000 $5,000,000 $2,500,000 $5,000,000 $5,000,000 $5,000,000

Trip Disruption Expenses

sub-limits:

 ––– $50,000 $30,000 $50,000 $50,000 $50,000

Close Relatives with a Pre-existing Medical Condition

 $2,000 $2,000 $2,000 $2,000 $2,000

Trip Resumption Expenses

 ––– $3,000 $2,000 $3,000 $3,000 $3,000

Luggage & Personal Effects

sub-limits:

 Optional
up to $2,000		 $7,500 $5,000 $15,000 $15,000 $15,000

Stand-alone personal computers, cameras and video recorders (excluding devices with integrated cameras or recording functions, such as mobile phones, Drones or similar devices) (per item)

 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000

Mobile phones (per item)

 $1,500 $1,500 $1,500 $1,500 $1,500 $1,500

Tablets (per item)

 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000

All other unspecified items (per item)

 $750 $750 $750 $750 $750 $750

Luggage and Personal Effects stolen from a Locked Storage Compartment of an unattended vehicle during daylight hours. We will pay up to $200 for each item and $2,000 in total for all stolen items.

$2,000 $2,000 $2,000 $2,000 $2,000 $2,000

Passports, Credit Cards & Credit Card Fraud^

 ––– ––– $2,000 $5,000 $5,000 $5,000

Special Event Transport Expenses

 ––– $5,000 ––– $5,000 $5,000 $5,000

Rental Vehicle Excess

sub-limits:

 ––– $5,000 Optional
up to $8,000		 Optional
up to $8,000		 Optional Optional

Return of Rental Vehicle

 $500 $500 $500 $500 $500

Travel Delay Expenses

sub-limits:

 ––– $2,000 ––– $2,000 $2,000 $2,000

Daily Limit (per person)

(we will pay up to $200 for each full 24 hours beyond the initial 6 hour delay)

 $200 $200 $200 $200

Delay of Luggage and Personal Effects^

 ––– ––– ––– $750 $750 $750

Theft of Cash^

 ––– ––– ––– $250 $250 $250

Snow Sports Benefits

 Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Snow Sport Equipment

 ––– $1,500 ––– ––– $1,500 –––

Snow Equipment Replacement Hire

 ––– $1,500 ––– ––– $1,500 –––

Snow Prepaid Expenses

 ––– $750 ––– ––– $750 –––

Snow Resort Closure

sub-limits:

 ––– $1,000 ––– ––– $1,000 –––

Daily Limit (per person)

 $100 $100

COVID-19 Benefits

 Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

COVID-19 Overseas Emergency Medical, Hospital & Medical Evacuation Expenses

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Funeral/cremation Overseas and/or bringing your remains back to Australia (per person)

 $20,000 ––– $20,000 $20,000 $20,000 $20,000

Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person)

 $60,000 ––– $60,000 $60,000 $60,000 $60,000

COVID-19 Trip Cancellation & Disruption

––– $3,500 $3,000 $5,000 $5,000 $5,000

Activities covered by our Domestic travel insurance policies

You should consider the type of holiday you’re taking and the activities that are on your itinerary and check if your travel insurance policy will automatically provide cover for the activities that you have planned, or whether you have to take out optional Add-on packs. Either way, conditions for activities may apply, see the PDS for details.

Activities that are automatically covered under our policies include:

  • Sightseeing at the Sydney Opera House
  • Surfing at world-famous beaches on the Gold Coast
  • Scuba diving to 10 m and snorkelling on the Great Barrier Reef
  • Visiting Steve Irwin’s Australia Zoo on the Sunshine Coast
  • Camel riding at sunset on the beach in Broome
  • Journeying to the Red Centre to see Ayers Rock or Uluru
  • Bushwalking and trekking in the Blue Mountains
  • Shark cage diving up to 10 m with Great Whites off the WA coast
  • Visiting the Gold Coast theme parks
  • Skiing or snowboarding in Thredbo, Perisher, Mount Buller or Falls Creek
  • Sailing and boating up to 10 nm from a land mass
  • Regulated or licensed hot air ballooning
  • Treetop walks
  • Horse riding tours
  • Water sports like windsurfing, kayaking and canoeing up to Grade III
  • Adventure sports like bungee jumping

 

Activities that require the Adventure Pack Add-on:

  • Scuba diving to 30 m
  • Sailing and boating up to 15 nm from a land mass
  • Quad biking
  • Kayaking and canoeing up to Grade V
  • Water sports like water skiing, jet skiing, speedboating, wakeboarding and tubing.

Note that conditions for activities apply, see the PDS for details.

What is NOT covered by domestic travel insurance?

The situations in which your domestic travel insurance policy doesn’t cover can include, but is not limited to:

  • Medical expenses incurred within Australia
  • Breaking Australian law
  • Being under the influence of alcohol or illicit drugs
  • Cancellation expenses due to an existing Medical condition not listed as covered on your Certificate of insurance
  • Leaving your belongings unsupervised i.e. not keeping possessions in sight and reach
  • Ignoring government warnings, advice or media in emergency situations

You should read the Product Disclosure Statement so you are aware of what is and is not covered by your domestic policy.

Domestic Travel Insurance Quotes

There are numerous travellers who should consider buying a Domestic travel insurance policy. The first step is to get a quote and see what benefits are available and compare. Domestic insurance is available for a wide variety of travellers and trip types such as:

  • Families taking an interstate road trip to visit family or friends
  • Couples taking a romantic weekend getaway
  • Aussie backpackers working their way around the country
  • Students on a mid-semester island escape to Fraser Island or the Whitsundays
  • Business travellers flying interstate for a conference or work commitments
  • Retired couples taking a bus tour or river cruise
  • Adventurers going four-wheel-driving and camping in remote locations
  • Divers heading out to the Great Barrier Reef or Ningaloo Reef
  • Visitors to Norfolk Island, Thursday Island or Christmas Island

So, wherever you are travelling within Australia, get a travel insurance quote for your domestic holiday and start comparing the benefits.

Snowboarder

Domestic Snow Travel Insurance

For travel to Australian snow resorts, snow travel insurance for domestic trips is automatically included and provides cover for:

  • Snow Sport Equipment
  • Snow Equipment Replacement Hire
  • Snow Prepaid Expenses
  • Snow Resort Closure
  • All other benefits on the domestic policy also apply while you are in the ski field 

There is NO medical cover for injuries whilst skiing or snowboarding as you can use your Medicare card and/or private health insurance.

For complete details, see our snow travel insurance policy for all your questions about skiing and snowboarding cover.  

Australia has 11 snow resorts and these are:

Skiing man

New South Wales

Thredbo

Famous for its 5km Village trail, Australia’s longest ski run. 53 runs (16% beginner, 67% intermediate, 17% advanced), 12 lifts 70km of runs, 672m vertical drop, 1365m - 2037m elevation – the highest in Australia, 480 acres of skiable terrain, 6 hour drive time from Melbourne/Sydney and 2.5 hour drive time from Canberra.

Perisher Ski Resort

Known for having 5 terrain parks and skiing on the Village Eight Express chairlift to 9pm. 133 runs (22% beginner, 60% intermediate, 18% advanced), 41 lifts, 100km of runs, 429m vertical drop, 1605m - 2034m elevation, 1,245 hectares of skiable area, 5.5 hour drive time from Sydney, 6 from Melbourne and 2.25 hours from Canberra.

Charlotte Pass

24 runs (33% beginner, 29% intermediate, 38% advanced), 4 lifts, 10km of runs, 189m vertical drop, 1765m - 1954m elevation, 50 acres of skiable area and 5-6 hour drive from Sydney/ 

Selwyn Snow Resort

15 runs (40% beginner, 48% intermediate, 12% advanced), 9 lifts, 122m vertical drop, 1492m - 1614m elevation, 45 acres of skiable area and 5.5 hour drive from Sydney

Victoria

Mount Buller

41 runs (20% beginner, 45% intermediate, 35% advanced),  22 lifts, 100km of runs, 400m vertical drop, 1390m - 1790m elevation, 299 ha of skiable terrain and 3.5 hours drive from Melbourne.

Falls Creek

92 runs (27% beginner, 60% intermediate, 23% advanced), 14 lifts, 92km of runs, 64km of groomed cross-country ski trails, 280m vertical drop, 1500m - 1780m elevation, 450 acres of skiable area and 4.5 hour drive from Melbourne. 

Mount Hotham

Known for its great village with over 20 restaurants and bars. 66 runs (20% beginner, 40% intermediate, 40% advanced), 12 lifts, 50km of runs, 5 km of cross-country ski trails, 395m vertical drop, 1450m – 1845m elevation, 320 acres of skiable area and 4.5 hours drive from Melbourne or 8 hours from Sydney.

Mount Baw Baw

21 (33% beginner, 48% intermediate, 19% advanced), 6 lifts, 10km runs, 110m vertical drop, 1450m - 1560m elevation, 35 acres of skiable area and 3 hour drive from Melbourne/ 

Mount Buffalo

14km groomed cross county trails and no lifts.

Tasmania

Ben Lomond

7 ski lifts, 6 km, 112m vertical drop and 1460m - 1572m elevation. 

Mount Mawson

3 ski lifts. 4 km of trails, 100m vertical drop and 1200m - 1300m elevation.

Adventure add-on pack

If you are planning on doing anything adventurous, you may need to purchase the Adventure Pack to have cover for these activities. Examples of adventure activities include abseiling, scuba diving up to 30m or quad biking.

Bicycle add-on pack

For those who are taking their bicycles and plan on doing some riding on your holiday, you can add-on the Bicycle Pack to give you travel insurance cover up to $5000 per bike in the event your bicycle is lost, stolen or damaged.

Domestic travel insurance Australia

Even though you're covered by Medicare or your private health insurer for medical expenses in Australia, a domestic travel insurance policy can still provide cover for a wide variety of different situations.

Australia is a large and diverse country with a wide range of sights and experiences to offer. Whether you plan to travel to see the Blue Mountains, get a taste of Tasmania or dive at the Great Barrier Reef in far-north Queensland, you should consider taking out domestic travel insurance to provide protection for some unexpected situations that may occur during your holiday.

Does travel insurance cover medical expenses in Australia?

Insurance does NOT cover any medical expenses when you are travelling within Australia. When you are in Australia, any medical costs would need to be covered by Medicare, your private health insurance or out of your own pocket.

It is actually legislated by the Australian Government that travel insurance companies are unable to provide cover for medical expenses within Australia for Australian residents and citizens, who are eligible for Australian Medicare. The intention is for any medical costs to remain under Medicare or Private Health.

Please note that ambulance services are state run services and Medicare does not necessarily cover you for ambulance trips.

Whilst a domestic travel insurance policy does not provide cover for medical expenses, it can provide cover for Cancellation due to a medical situation.

Domestic Medical Expense Example*

A mother bought a Domestic Plus policy to cover a family holiday to the Gold Coast during the September school holidays with activities including theme parks, going to the beach and hiking. Two days before the family was due to depart on a flight from Sydney to the Gold Coast, one of the children brakes his leg whilst riding a skateboard, requiring surgery to reset the leg, and resulting in the need to cancel the holiday.

In this instance, the costs of the surgery would be covered by Medicare and possibly their private health insurance policy, but not their domestic travel insurance policy.

However, the mother can submit a claim for the cost for any flight, hotel or theme park tickets that cannot be refunded or credited, for the claims team to assess, which is why Domestic travel insurance can be a smart option.

*This example is purely fictional and is for illustrative purposes only.

Man with suitcase

Top 6 travel insurance tips for domestic travel

  1. See your doctor for a health check-up before you leave home and take enough prescription medication for your trip.
  2. Tell your doctor if you plan to try any new adventure sports or activities.
  3. Familiarise yourself with the regions you’re travelling to, transport options and activities.
  4. Scan, print and keep digital copies of all your travel documents with you whilst travelling.
  5. Download the Smartraveller app to receive up to date travel alerts and warnings.
  6. Read our 29 Must Read Travel Health and Safety Tips

Points 1 & 2 above is general advice only and is not intended to replace the advice from a medical practitioner or health care professional.

How to buy domestic travel insurance in 7 easy steps

  1. Get a quote by selecting 'Australia' and provide your departure date and return date, people travelling, ages of adult(s) and number of dependants.
  2. Consider the activities you will be doing on your holiday
  3. Compare the benefits and benefit limits of the policy.
  4. Complete Medical screening if you want to have cover for existing Medical conditions for any members of the family travelling.
  5. Read the Product Disclosure Statement and consider the Financial Services Guide.
  6. Enter your personal and payment details to purchase your policy
  7. Check your trip details are correct on your Certificate of Insurance that will be emailed or posted to you.
Thumbs Up Man
Map of Australia

Australian states and territories covered by domestic insurance

  • Australian Capital Territory - ACT
  • Queensland - QLD
  • New South Wales – NSW
  • Northern Territory - NT
  • South Australia - SA
  • Tasmania - TAS
  • Victoria - VIC
  • Western Australia – WA
  • Islands within Australian maritime borders, see below.

Australian islands covered by domestic policies

  • Bruny Island - Tasmania
  • Christmas Island - Australian external territory off Western Australia coast
  • Cocos Islands (Keeling)- Australian external territory off Western Australia coastDaydream Island - Queensland
  • Flinders Island - Tasmania
  • Fraser Island - Queensland
  • Hamilton Island - Queensland
  • Hayman Island - Queensland
  • Kangaroo Island - South Australia
  • Keeling Islands (Cocos) - Australian external territory off Western Australia coast
  • Lady Elliot Island, Queensland
  • Lord Howe Island, New South Wales
  • Melville Island - Northern Territory
  • Mornington Island - Queensland
  • Norfolk Island - Australian external territory off New South Wales coast
  • Phillip Island - Victoria
  • Rottnest Island - Western Australia
  • Thursday Island - Queensland
  • Whitsunday Island - Queensland

Islands NOT Covered by a Domestic policy

There are a number of places that are in the South Pacific region and are NOT covered by a Domestic policy.

For the below destinations, enter the name of the island or you would need to buy a 'South Pacific' region policy.

  • Pitcairn Island
  • Henderson Island
  • Ducie Island
  • Oeno Island

For the below locations, which can be considered Australian Territories, enter the name of the destination, or select a 'Worldwide' region policy.

  • Antarctica
  • Antarctica Scenic Flight (where you are only flying over Antarctica and not landing on any land mass)

Within Australia’s maritime borders, there are 8,222 islands, some of these are off the coast of the Australian mainland like Norfolk Island or Tasmania such as Bruny Island or within the rivers and harbours like Fort Denison in Sydney Harbour.

If you are travelling by land (car, bus, rail etc) or air (flying) to these states or islands, select 'Australia’ or 'Domestic (Australia)' region policy. If you are travelling to any of these locations by sea on a cruise for one night or more, you will need to select cruise travel insurance just in case something goes wrong on your cruise.

Is Norfolk Island covered under an Australian domestic policy?

Norfolk Island changed to being a domestic territory of Australia on the 1st July 2016, so if you’re flying there, you can take out an 'Australia' or Domestic (Australia)' region policy. If you're travelling to Norfolk Island on a cruise for one night or more, you should purchase a cruise policy.

Cruise Liner

Do you need travel insurance for cruises in Australian waters?

Cruises are increasingly popular among Australians of all ages. Many choose international destinations, but there are also many great cruise options closer to home around Australia and the South Pacific Islands.

A lot of travellers don't realise this, but even if your cruise remains in domestic waters, your private health insurance and Medicare are unlikely to provide medical cover onboard the ship.

Medicare will only cover you if the doctor onboard is registered with Medicare. In the majority of cases, this is unlikely to be the case, so if you became sick or injured whilst cruising, you may find yourself out of pocket for the full cost of medical treatment.

Being out at sea also means that if you needed urgent medical treatment for a broken bone or a serious illness, you would have to be evacuated from the ship by helicopter to the nearest land hospital, which can cost in the $100,000s AUD.

A medical evacuation can be very expensive and would also be at your own expense unless you have medical evacuation cover included in your travel insurance policy.

For these reasons, cruise companies recommend cruise travel insurance for all travellers, regardless of where your cruise is going or whether or not it’s leaving Australian waters.

Orange Car

Does insurance cover Rental Car damage?

Our domestic policies include cover of up to $5000 for Rental Vehicle Insurance Excess. We do not directly provide cover for any damage to the car, van or campervan that you are hiring. Our domestic policy covers the Excess the rental vehicle company charges on any damage caused to the vehicle. You will need to ensure the vehicle is insured directly with the car hire company. There is no cover under this benefit for the hire of mopeds, scooters, motorbikes or golf carts.

Aeroplane

Does travel insurance cover domestic flights?

Domestic policies can provide cover for direct flights, connecting domestic flights within Australia or domestic flights connecting to international flights. The policy can provide cover for a number of benefits related to flights within Australia including:

  • Travel Delays where you can claim $200 per day should you be delayed by more than 6 hours from your original departure date.
  • Lost, stolen or damaged luggage on a domestic flight, where the airline does not provide you with compensation.
  • Trip cancellation costs that the airline will not refund if you need to cancel your trip.
  • Special Events Transport cover to reimburse you for the reasonable costs of additional transport to make it to a scheduled special event such as wedding, funeral, sporting event or concert.

Travel insurance isn’t mandatory, and if you wanted to, you could travel domestically without travel insurance. However before you do, you should consider the benefits a domestic policy can provide you, including cover for the payments you’ve made on your flights, accommodation and activities, rental vehicle insurance excess, and lost, stolen or damaged luggage.

Travellers

Domestic Travel Insurance Reviews

Why choose Fast Cover for your domestic holiday?

  1. Dependant children and grandchildren can be covered when travelling with an insured adult
  2. 25 Day Money Back Guarantee for any reason if you haven’t travelled or need to make a claim.
  3. 48-hour price guarantee on all quotes
  4. Medical screening available for your medical conditions.
  5. User-friendly website makes buying insurance online fast and simple.
  6. Our Emergency Assistance team is available 24 hours a day, 7 days a week, 365 days a year to assist you.

 Before purchasing a Domestic Plus Policy, you should check our PDS for the terms, conditions, exclusions and limits that may apply to you.

Top 10 travel safety tips for Australia

  1. Pack for your specific trip
    Australia is a vast country of varying climates, so pack for the environment. This could mean sunscreen, plenty of water, warm clothing or taking an emergency beacon.

  2. Wear Sunscreen
    The sun in Australia can be unrelenting, apply sunscreen 30 minutes before you go out in the sun and reapply every couple of hours throughout the day.

  3. Only swim at patrolled beaches
    The ocean can be very dangerous and unpredictable, always swim between the red and yellow flags as this is the safest place and so you can get help if you get into trouble.

  4. Prepare for the outback
    Know that you can be on your own if something goes wrong as there’s no phone reception in the outback. Take more than enough water, food and fuel for your trip. Let someone know your itinerary and when you expect to arrive.

  5. Bushfire season
    If you see smoke or a bushfire, act fast, as fires can move very quickly. Tune into local radio and obey instructions immediately to evacuate areas.

  6. Stop revive survive
    Driving anywhere in Australia can often mean covering vast distances which you may not be used to. Take a regular breaks every two hours and share the driving if possible.

  7. Register your trip
    If you plan on going anywhere remote, whether that be driving or hiking, tell friends and family where you are going and when you are expected to return. If a register is available at the beginning of a hike, complete your trip details.

  8. Keep your luggage and belongings in sight and reach at all times
    Whilst crime is relatively low in Australia, petty crime does exist and opportunistic thieves are around, so don’t leave anything unattended. This is particularly important at the beach, so leave your stuff with a friend or ask your friend to mind your stuff for you whilst you go swimming.   

  9. Prepare for hiking or going into the bush or wilderness
    Wear appropriate hiking shoes to protect you from spiders and snakes, wear sunscreen, take a hat, insect repellent, plenty of water and matches to start a fire.

  10. Print and save electronic copies of your travel insurance policy with you
    If the unexpected happens, you want to have the contact details and your policy details of your travel insurance handy so you can contact them for assistance.
Man With Magnifying Glass

Domestic Travel Insurance FAQs

Whenever you’re travelling within Australia, most people are looking for the best domestic or cheapest domestic travel insurance. Either way, it’s always important to choose the right travel insurance for your specific destination. If you are travelling domestically then buying a travel insurance policy can give you cover for unexpected events before your trip or whilst you are travelling in Australia. Fast Cover can provide great value travel insurance for you and your family to travel anywhere within Australia. Get a domestic travel insurance quote now for your trip.   

Your domestic policy ideally should provide cover for cancellation, luggage, rental car insurance excess and any costs if your trip is disrupted and to resume your trip, just like international travel insurance.

There is no medical cover whilst you are travelling in Australia as medical expenses are covered by Medicare and/or your private health insurance.

In the event of a medical emergency while you are travelling domestically, you should call 000 for assistance as you would normally do if you were at home. You can also seek assistance from the relevant authorities where you are visiting, including the resort, hotel or airline, bus line or train line. 

As each individual’s circumstances are different, in the event of a claim, our claims team will assess each claim on a case by case basis.

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).

It can be relatively cheap compared to the cost of your holiday. In fact, if you are considering reducing the excess on your Rental Vehicle, it could potentially save you money as often the total cost of an insurance policy which has other benefits can be less than reducing it with an insurance company. Compare Domestic travel insurance prices with their excess reduction and see what’s the best option for you.

For more information, refer to our Product Disclosure Statement (PDS).

You can purchase a policy anytime from 12 months prior to departure right up to the date of departure.  The earlier you buy the better as it gives you the longest period of cancellation cover for any pre-purchased accommodation, transport or ticket costs.

For more information, refer to our Product Disclosure Statement (PDS).

The Domestic policy is for trips taken within Australia where you will be more than 200 kms from your home.
The Domestic policy provides cover for unexpected: cancellation, lost/damaged/stolen luggage and personal effects, travel delays, rental vehicle excess cover up to $5000, accidental death and personal liability.
You can also tailor your Domestic Plus policy to suit your trip.

Will the Domestic Plus policy cover me for a cruise?

  • You have cover under the Domestic Plus policy if you will be taking an inland river cruise.
  • The Domestic Plus policy is not available if you are taking a cruise in Australian coastal waters or sea or ocean. These cruises are considered an international trip and you will need to answer 'Yes' to cruise to have cover.

Note:

  • The Domestic Plus policy does not provide Medical cover, and this includes medical evacuation.
  • '200 kms' means the most direct route from your home to your destination, and not as the 'crow flies'.
Cover is subject to the policy terms, conditions, limits and exclusions.in the Product Disclosure Statement (PDS).

Yes, cover is offered for domestic flights under the Trip Cancellation Expenses, Special Event Transport Expenses & Travel Delay Expenses Benefits.

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).

Single Trip policies (Comprehensive, Standard Saver, Snow Sports Plus and Basics):

  • You can be covered up to a maximum of 2 years.

Domestic Plus policies:

  • You can be covered up to a maximum of 92 days (3 months)
  • You can buy it up to 12 months prior to your departure to cover you for cancellation, but the travel period can only be 3 months. The exception to this is if you buy a Domestic Cruise policy where the duration can be a maximum of 12 months.

Frequent Traveller Saver policies:

  • The maximum period for any one journey is shown on your Certificate of Insurance. You can choose from a maximum period of 15, 25, 40 or 63 days for each journey.

For more information, refer to our Product Disclosure Statement (PDS).
Things you need to know

^ Price as at 27/10/2024 compared to the price calculated today for this policy.

* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.