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Domestic Travel Insurance

Fast Cover’s domestic travel insurance is designed to provide cover that can be customised for many Aussies exploring the land down under against travel mishaps. Learn more about travel insurance for domestic travel in Australia.

Get Ready to Explore Australia with Domestic Travel Insurance

Fast Cover's Australian domestic travel insurance can provide cover for your next trip in Australia. Our Domestic Plus policy may cover many types of unexpected situations that may arise whilst you are:

  • Flying interstate
  • Cruising on a river
  • Skiing in the snow
  • Renting a car for a road trip
  • Adventuring off the beaten track
  • And more...

Every traveller’s needs are different, so check the PDS and TMD to find the right policy for you. Any advice is general advice only and doesn't consider your personal and financial circumstances.

Ayers Rock in Uluru Australia

What Does Domestic Travel Insurance Cover?

Fast Cover’s domestic travel insurance is available to provide cover for your next trip within Australia provided that your travel destination is at least 200km away from your home.

Below is only a summary of some benefits available under our Domestic Plus travel insurance policy. Each policy has specific terms, conditions, exclusions, limits and sub-limits so always read the PDS before deciding which policy is right for you and your travel needs.

Trip Cancellation Expenses

Trip Cancellation Expenses

Our trip cancellation cover may help protect the non-refundable bookings you’ve already paid for if you need to cancel your Aussie trip due to circumstances that are covered under your policy, for example, an unexpected illness or injury. ^

If you’re no longer able to travel around Australia due to unexpected circumstances covered under your policy, domestic travel insurance with trip cancellation cover can help protect the non-refundable bookings you've already paid like flights, accommodation, cruises and tours. You can take out a domestic travel insurance policy with cancellation cover up to 12 months before you travel in Australia. ^

Lost, Stolen or Damaged Luggage

Lost, Stolen or Damaged Luggage

Lost, stolen or damaged luggage can turn a dream holiday into a traveller’s nightmare! That’s why cover may be available for the loss, theft or accidental damage of your luggage and personal items in situations covered under your policy. ^

Our domestic travel insurance policy may be able to provide cover if your luggage and personal belongings such as your phone, camera or laptop are lost, stolen or damaged during your trip in Australia. Limits, sub-limits and exclusions apply to what and how much you can claim for each item. Conditions including situations in which we would provide cover apply. ^

Travel Delay Expenses

Travel Delay Expenses

If your scheduled transport is cancelled and rescheduled, or delayed due to Aussie weather or carrier operational issues, Fast Cover can help reimburse you for the cost of extra meals and accommodation due to travel delays in situations covered under your policy. ^

Our domestic travel insurance can provide cover for the reimbursement of reasonable additional meals and accommodation expenses up to $200 for each traveller (excluding dependants) for each 24 hour period if your scheduled transport is delayed for at least 6 hours from the time your transport was scheduled to depart. Limits, sub-limits and exclusions apply. Conditions including situations in which we would provide cover apply. ^

Trip Disruption Expenses

Trip Disruption Expenses

Holidays don’t always go according to plan. If a disruption occurs during your trip for reasons covered under your policy, Fast Cover can help reimburse you for some trip disruption expenses incurred during your trip. ^

If your Aussie adventure is disrupted by factors outside of your control that are covered by your policy, our domestic travel insurance may be able to reimburse you for your reasonable additional travel, accommodation and meal expenses which you can’t recover from any other source. ^

Special Event Transport Expenses

Special Event Transport Expenses

Got tickets to a special event? If your scheduled transport is cancelled or delayed, Fast Cover may cover you for reasonable additional travel expenses to help you to get to your special event on time whether it’s a wedding, concert or game day, so you don’t miss the moments that matter. ^

If your scheduled transport is cancelled, delayed, shortened or diverted, our domestic travel insurance can provide cover up to $5,000 for you to book an alternative flight or other transport to help you make it to your special event on time. ^

Special events include a pre-booked, pre-paid and pre-arranged:

  • Wedding
  • Funeral
  • Conference
  • Concert
  • Sporting event
  • Cruise
  • Tour package
Covid-19 Benefits

Covid-19 Benefits

We hope Covid-19 doesn’t get in the way of your Aussie adventure, but if it does, cover is available for trip cancellation and disruption expenses related to Covid-19 in situations explained in the PDS. ^

Fast Cover’s domestic travel insurance can provide cover for domestic trip cancellation and disruption related to Covid-19 such as you unexpectedly contracting Covid-19 and other specified circumstances that are covered under the Domestic Plus policy. ^

 

Flexible Cover for Aussie Travellers

No two trips are the same - and your cover shouldn’t be either. Whether you’re hitting the slopes, getting your friends together for a road trip, discovering new bike trails or embarking on a new adventure in Australia, Fast Cover’s domestic travel insurance is designed to provide flexible cover that can be customised by Aussie travellers depending on their own individual needs. You may be able to customise Fast Cover’s domestic travel insurance policy with optional add-ons to cover a range of activities and adventures to fit you and your travel plans in Australia. ^

Cover for Your Rental Vehicle Excess

Exploring Australia at your own pace? Whether you’re hiring a car for a road trip or enjoying retirement by touring the outback in a rental campervan or motorhome, we’ll automatically cover your rental vehicle excess up to $5,000. ^

van parked near ocean

If your rental vehicle is in an accident, damaged or stolen during your trip in Australia, Fast Cover’s domestic travel insurance can provide up to $5,000 of cover for the rental vehicle excess component of your rental vehicle insurance with your car hire company in Australia.

The domestic rental vehicle excess benefit applies to a:

  • Sedan, hatchback, or station wagon,
  • Four-wheel drive or minibus/people mover, or
  • Campervan or motorhome (up to 4.5 tonnes),

rented from a licensed motor vehicle rental company (including vehicles rented from peer-to-peer carsharing platforms). ^

For more details, visit our page on rental vehicle excess cover.

Cover for Snow Sports

Heading to the snow in Australia? Unexpected events at the snow can snowball into costly expenses. Our snow sports cover is automatically included in domestic policies and can help you manage some of the unexpected costs associated with ski and snow sports in Australia. ^

Below are some examples of things that may be covered in your snow sports benefits:

  • loss or theft of, or damage to snow sports equipment,
  • for hiring replacement snow sports equipment that is necessary to continue with your original itinerary if snow sports equipment owned by you has been misdirected or delayed for a period of more than 24-hours, or has been accidentally damaged, lost or stolen during your trip,
  • if you are injured or become sick during your trip and are unable to utilise the full duration of your pre-booked and pre-paid lift passes, snow sports equipment hire, or lessons, we will reimburse you the percentage amount of the unused portion for each insured person, and
  • the cost of transport and lift passes at an alternate ski resort

in conditions and circumstances covered under your policy and as per limits and sub-limits set out in our PDS. ^

Keep in mind, all other benefits from the Domestic Plus policy also apply to your ski or snowboarding trip. ^

For more details, visit our page on travel insurance for skiing and snowboarding.

person skiing

Fast Cover’s domestic travel insurance automatically includes snow sports benefits that are available to provide cover for costs associated with ski and snow sports in Australia for travellers when they purchase the Domestic Plus travel insurance policy. ^

Bicycle Pack

Planning to cycle in Australia? Whether you’re discovering Australia’s bike trails on a self-guided cycling tour or simply getting from point A to B, cover may be available to protect your bicycle from loss, theft and damage. Our Bicycle Pack is an optional extra available at an additional premium so make sure to add-on the Bicycle Pack when you purchase your domestic travel insurance policy. ^

bicycle leaning against wall

If your bicycle is:

  • under three years old,
  • valued at $1,500 or more, and
  • free of defects at the time of policy purchase,

our Bicycle Pack is available to provide cover for your bike if it is permanently lost, stolen or accidentally damaged during your trip in Australia in circumstances covered under your policy. ^

Please note the Bicycle Pack does not provide cover while a bicycle is in use. ^

Adventure Pack

Ready for your next Aussie adventure? Fast Cover’s Adventure Pack covers an extra list of adrenaline-pumping activities to help you tick off your Aussie bucket list. ^

Examples of some activities that require the Adventure Pack include:

  • Abseiling
  • Outdoor rock climbing
  • Quad biking
  • Tandem parachuting and tandem skydiving
  • Sailing up to 15 nm from a land mass
  • Scuba diving to 30 m
  • Water sports like water skiing, jet skiing, and speedboating

Conditions apply for activities under our Adventure Pack so make sure to read the PDS.

It is also important to note that there is no medical cover within Australia as your medical expenses are generally covered by Medicare and/or your private health insurance.

For more details, visit our page on travel insurance for adventure activities.

two women preparing for tandem skydiving

The Adventure Pack is available at an additional premium for Aussie travellers aged 74 and under when they purchase the Domestic Plus travel insurance policy. ^ 

Activities Automatically Covered by our Domestic Travel Insurance

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

Fast Cover’s Domestic Plus travel insurance policy automatically provides cover for a list of non-contact sports and leisure activities outlined in our PDS. Examples of some activities that are automatically covered under our domestic travel insurance include:

  • Bicycling  
  • Bungee jumping or canyon swinging 
  • Camel riding at sunset on the beach in Broome 
  • Fishing on the Murray River 
  • Hiking and trekking in the Blue Mountains 
  • Horse riding tours in Glenworth Valley 
  • Hot Air Ballooning that is regulated or licensed 
  • Journeying to the Red Centre to see Ayers Rock or Uluru 
  • Sailing up to 10 nautical miles off any land mass in Australia 
  • Scuba diving to 10 m and snorkelling on the Great Barrier Reef 
  • Shark cage diving up to 10 m with Great Whites off the WA coast 
  • Sightseeing at the Sydney Opera House 
  • Skateboarding
  • Surfing at world-famous beaches on the Gold Coast 
  • Visiting Steve Irwin’s Australia Zoo on the Sunshine Coast 
  • Visiting the Gold Coast theme parks 
  • Water sports like kayaking and canoeing in rivers or rapids graded I, II or III

For more details, visit our page on travel insurance for sports and leisure activities.

Please note that it is a condition of cover for all activities that you act in a reasonable way to protect yourself. The best way that you can do this is to enjoy your activities with a properly licensed outdoor pursuits or sports organisation and to follow their instructions.

Does Domestic Travel Insurance Cover Domestic Flights?

Fast Cover’s domestic travel insurance policy may be able to provide some cover for delayed, cancelled, shortened or diverted flights including direct flights and connecting domestic flights within Australia as outlined in the PDS. Our Domestic Plus policy offers a number of benefits that may be available to provide cover for some unexpected situations relating to flights within Australia including (but not limited to):

Trip Cancellation Expenses

Trip Cancellation Expenses

The Trip Cancellation Expenses benefit is available to provide cover for non-refundable pre-paid trip bookings such as your domestic flights, accommodation and tours, in situations covered by your policy. ^

Travel Delay Expenses

Travel Delay Expenses

The Travel Delay Expenses benefit is available to provide cover for reimbursement of reasonable additional meals and accommodation expenses up to $200 for each traveller (excluding dependants) for each 24 hour period if your scheduled transport such as your domestic flight is delayed for at least 6 hours from the time your transport was scheduled to depart, in situations covered by your policy. ^

Trip Disruption Expenses

Trip Disruption Expenses

The Trip Disruption Expenses benefit is available to provide cover for reasonable additional travel, accommodation and meal expenses which you cannot recover from any other source, if a disruption to your trip occurs during your trip, which is outside of your control and arises from reasons covered by your policy. ^

Special Event Transport Expenses

Special Event Transport Expenses

The Special Event Transport Expenses benefit is available to provide cover for reasonable additional travel expenses such as booking an alternative flight or other transport to help you make it to your special event on time if your scheduled transport such as your flight is unexpectedly cancelled, delayed, shortened or diverted, in situations covered by your policy. The special event must meet our definition set out in the PDS. ^

Does Domestic Travel Insurance Cover Domestic Cruises?

Enjoying a cruise holiday in Australian waters? Depending on the type of cruise you are going on in Australia, Fast Cover's domestic travel insurance may be able to provide cover.

River Cruises in Australia

River Cruises in Australia

Fast Cover's domestic travel insurance automatically provides cover for river cruises and short day trip cruises within Australia.

Learn more about the difference between river cruises and ocean cruises. 

Ocean Cruises in Australia

Ocean Cruises in Australia

If you’re embarking on an ocean cruise in Australian waters for one or more nights, cruise cover is available to help with unexpected onboard medical emergencies and evacuation to shore through our International policies. ^    

Customers travelling on domestic cruise ships within Australian waters, will not be offered the option to choose a Domestic Plus Policy. They will need to choose from our International policy options provided during policy application. The reason for this is often customers who will be cruising within Australian waters will need certain cover for medical related expenses on board a cruise ship which is only provided under our International policies.

Important Information

Important Information

In Australia, your medical expenses are usually covered by Medicare or private health insurance. Medicare benefits may not apply on your domestic cruise unless there’s a Medicare registered doctor on-board the cruise ship. If there’s no Medicare registered doctor on-board or if your health insurance doesn’t provide cover for cruises, you could be left paying out of pocket if you become sick or injured on your domestic cruise and require medical attention.

Cover for Domestic Cruises

If you wish to be covered for a domestic cruise in Australian waters, you may be able to apply to include cover. Our simple quote process can be completed online or over the phone to help you add cruise cover to your travel insurance policy.

Set Travel Dates

Tell us the travel dates you would like to be covered for.

Select Who Needs Cover

Are you travelling solo, with a companion or with your family? Add all travellers to your policy.

Going on a Cruise?

Answer ‘Yes’ to ‘Going on a cruise?’ Select whether your cruise is a small ship (up to 200 passengers) or a large ship (over 200 passengers).

Make sure you consider the PDS for details on other terms, conditions, exclusions and limits that apply.

Does Domestic Travel Insurance Cover Medical Expenses in Australia?

Medical Cover Under Domestic Travel Insurance

Medical Cover Under Domestic Travel Insurance

Under Australian legislation¹, travel insurance providers cannot provide cover for any medical expenses within Australia for Australian residents and citizens who are eligible for Australian Medicare. The intention is for any medical costs within Australia to remain under Medicare or Private Health.

Therefore, when you are travelling in Australia under a Domestic Plus travel insurance policy, Fast Cover is unable to provide cover for medical emergencies and medical expenses incurred within Australia because medical expenses are covered by Medicare and/or your private health insurance.

Whilst our domestic travel insurance policy does not provide cover for medical expenses, it can provide cover for Trip Cancellation Expenses due to a medical situation or condition that is covered under your policy. ^

Read our examples to see how our Domestic Plus travel insurance policy may be able to provide cover in circumstances covered under your policy. Please note our examples are purely fictional and are for illustrative purposes only. Any claims will be assessed in accordance with the relevant PDS, your Certificate of Insurance, and your particular circumstances.

Domestic Medical Expense Example

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. She completed a medical screening and applied to include cover for her existing medical condition. Fast Cover was able to include cover for her existing medical condition and it was listed as ‘Covered’ on her Certificate of Insurance.

Example: Two days before the family was due to depart on a flight from Sydney to the Gold Coast, one of the children breaks his leg whilst riding a skateboard, requiring surgery, and resulting in the need to cancel the holiday.

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

However, under the Trip Cancellation Expenses benefit of the Domestic Plus policy, the mother can submit a claim for the cost of the flights, hotel or theme park tickets that cannot be refunded or credited for the claims team to assess, as the trip was cancelled due to an unexpected injury.

Please note this example is purely fictional and is for illustrative purposes only. Any claims will be assessed in accordance with the relevant PDS, your Certificate of Insurance, and your particular circumstances.

Existing Medical Conditions Example

Existing Medical Conditions 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. She completed a medical screening and applied to include cover for her existing medical condition. Fast Cover was able to include cover for her existing medical condition and it was listed as ‘Covered’ on her Certificate of Insurance.

Example: The mother’s existing medical condition which is listed as covered on the Certificate of Insurance worsened before they were due to depart on the trip, resulting in the need to cancel the holiday.

In this instance, any medical expenses the mother incurred as a result of her existing medical condition would likely be covered by Medicare and possibly their private health insurance policy, but not their domestic travel insurance policy.

However, under the Trip Cancellation Expenses benefit of the Domestic Plus policy, the mother can submit a claim for the cost of the flights, hotel or theme park tickets that cannot be refunded or credited for the claims team to assess, as the trip was cancelled due to a covered existing medical condition.

Please note this example is purely fictional and is for illustrative purposes only. Any claims will be assessed in accordance with the relevant PDS, your Certificate of Insurance, and your particular circumstances.

As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.

Any advice is general advice only and does not take into account your individual objectives, financial situation or needs. Consider the PDS as eligibility criteria, policy terms, conditions, exclusions and limits apply.

Domestic Travel Insurance for Existing Medical Conditions

If you have any existing medical conditions, you may be able to apply to include cover for them under applicable policy benefits. Our simple medical screening process can be completed online or over the phone to help you find out if your existing medical condition can be covered.

Select Who Needs Cover

Once you've added all travellers to your policy, you can select those who wish to add cover for any existing medical conditions.

Take a Medical Screening

Answer a few questions online or over the phone about your health history. This helps us determine if your existing medical condition can be covered.

Choose to Add Cover

We'll let you know if we can provide cover for any existing medical conditions. You can then choose to add it to your policy.

To find out more about our medical screening process, and how the Domestic Plus travel insurance policy will apply in relation to an existing medical condition, please read and consider the PDS for eligibility criteria, terms, conditions, exclusions, limits and sub limits that apply.

Who Can Get Domestic Travel Insurance?

Whether you're exploring the coast or the red outback, every Aussie journey and traveller is unique. Fast Cover’s domestic travel insurance is designed to provide cover for a wide range of travellers and trip types across Australia including:

  • 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 travelling on mid-semester breaks or for Schoolies
  • Business travellers flying interstate for a conference or work commitments
  • Retired couples touring Australia in a campervan or a river cruise
  • Adventurers going four-wheel-driving and camping in remote locations
  • Divers heading out to the Great Barrier Reef or Ningaloo Reef
  • Pregnant travellers going on a babymoon

Please read and consider the PDS for eligibility criteria, terms, conditions, exclusions, limits and sub limits that apply.

Australian States and Territories Covered by Domestic Travel Insurance

Most Australian destinations can be covered under Fast Cover’s domestic travel insurance policy provided they are at least 200km away from your home. Read on to learn more about cover for Australian destinations.

Covered States and Territories

Covered States and Territories

The following Australian states and territories can be covered under Fast Cover’s Domestic Plus travel insurance policy provided your travel destination is at least 200km away from your home: 

  • Queensland (QLD) 
  • New South Wales (NSW) 
  • Australian Capital Territory (ACT) 
  • Victoria (VIC) 
  • Tasmania (TAS) 
  • Northern Territory (NT) 
  • South Australia (SA) 
  • Western Australia (WA)
Covered Australian Islands

Covered Australian Islands

The following Australian islands can be covered under Fast Cover’s Domestic Plus travel insurance policy provided your travel destination is at least 200km away from your home. If you are travelling to any of these islands on a cruise that will last for at least 1 night, you will need to add cruise cover to your policy.

State or Territory 

Islands 

Queensland (QLD) 

Daydream Island, Fraser Island, Hamilton Island, Hayman Island, Lady Elliot Island, Mornington Island, Thursday Island, Whitsunday Island 

New South Wales (NSW) 

Lord Howe Island 

Victoria (VIC) 

Phillip Island 

Tasmania (TAS) 

Bruny Island, Flinders Island 

Northern Territory (NT) 

Melville Island 

South Australia (SA) 

Kangaroo Island 

Western Australia (WA) 

Rottnest Island 

Australian External Territories 

Christmas Island, Cocos (Keeling) Islands, Keeling Islands (Cocos), Norfolk Island 
Australian External Territories

Australian External Territories

Australia has a number of external territories including: 

  • Australian Antarctic Territory 
  • Heard Island and McDonald Islands 

When taking out a travel insurance policy for the below locations, which can be considered Australian Territories, enter the name of the destination, or select a 'Worldwide' region policy. This will allow you to select from our International policy options.

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

Ready for Your Next Aussie Adventure?

Wherever your Aussie journey takes you, consider getting a domestic travel insurance quote for your holiday and start comparing the benefits

Do I Need Travel Insurance for Domestic Travel in Australia?

Whether you plan to travel to Sydney Harbour, get a taste of Tasmania or explore the Great Barrier Reef, we understand that unexpected situations and factors outside of your control could change your domestic travel plans and leave you with out of pocket expenses. Travel insurance for domestic travel in Australia can help better prepare you to deal with unexpected and unforeseen situations that could impact your travel plans should the unexpected happen.

Here are some situations to consider when deciding if you need travel insurance for your trip in Australia and whether your domestic travel insurance policy can provide cover for these situations:

Non-Refundable Expenses from Cancelling Your Trip

Non-Refundable Expenses from Cancelling Your Trip

Becoming unexpectedly sick or injured could force you to cancel your trip. Rescheduling a cancelled trip and dealing with lost deposits and non-refundable flights and accommodation can become stressful and expensive, even when you’re travelling within Australia. Consider if your domestic travel insurance can provide cover for trip cancellation expenses.

Cancellation Cover for Existing Medical Conditions

Cancellation Cover for Existing Medical Conditions

While medical expenses you incur in Australia are covered by Medicare or your private health insurance, you could still be out of pocket for non-refundable pre-paid trip bookings if an existing medical condition forces you to cancel your domestic trip. You may wish to check if your domestic travel insurance policy can provide cover for trip cancellation expenses if you need to cancel your trip due to your existing medical condition.

Extra Expenses Due to Travel Delays

Extra Expenses Due to Travel Delays

Bad weather and airline operational issues could cause delays and mean you have to spend extra money on food and accommodation while you wait for a new flight. Consider if your domestic travel insurance can provide cover for travel delay expenses such as additional meals and accommodation.

Getting to Special Events on Time

Getting to Special Events on Time

If your scheduled transport to special events is cancelled, delayed, shortened or diverted, you could risk spending thousands of dollars on additional transport to make it to your special events on time. Worse yet, you could miss out on special events you’ve already booked and paid for. Consider if your domestic travel insurance can provide cover for special event transport expenses.

These are only some of the situations that you might wish to consider when deciding if you need domestic travel insurance.

Before you decide whether you need travel insurance for your trip in Australia, you should read the PDS to check what our Domestic Plus policy will and won’t cover you for, any conditions and exclusions that might apply to you and whether the policy provides the cover that you’re looking for. Any advice is general advice only and does not take into account your individual objectives, financial situation or needs.

What is the Best Domestic Travel Insurance for Australia?

The best domestic travel insurance for Australia is a policy that provides cover for the type of trip that you’re taking down under. When looking for the best Australian domestic travel insurance, it’s important to choose a travel insurance policy that aligns with your specific travel needs. This might include the nature of your trip within Australia, who you are travelling with, the types of activities you plan to do and other considerations that apply to you and your trip.

Here are some examples of things you may wish to consider when reviewing the best domestic travel insurance for Australia that may also help you compare domestic travel insurance policies to help you decide which policy is right for you:

Consider Trip Cancellation Expenses

Consider Trip Cancellation Expenses

Have you booked a tour, accommodation or flights in Australia?

You may wish to consider whether the domestic travel insurance policy includes cancellation cover in case you can’t travel within Australia due to an unforeseen circumstance such as an unexpected illness or injury.

Consider Your Luggage and Personal Effects

Consider Your Luggage and Personal Effects

Worried your valuable personal items like your phone, camera or laptop might be lost, stolen or damaged while you travel around Australia?

You may wish to consider whether the domestic travel insurance policy includes cover for luggage and personal effects, including any applicable limits, sub-limits and conditions.

Consider How You Will Get Around

Consider How You Will Get Around

Will you be renting a vehicle to travel around Australia?

You may wish to check whether the domestic travel insurance policy provides cover for the rental vehicle excess component of the rental vehicle insurance with your car hire company in case your rental vehicle is in an accident, damaged or stolen during your trip in Australia.

Consider the Activities You Will Be Doing

Consider the Activities You Will Be Doing

Are you planning to do any adventurous activities during your domestic travel within Australia?

You may wish to check whether the domestic travel insurance policy provides cover for the types of adventure activities you plan to do in Australia. Cover for adventure activities may require an additional premium and have differing age limits to standard policies.

Consider Who You Will Be Travelling With

Consider Who You Will Be Travelling With

Are you planning a solo adventure, a family trip during the school holidays, or perhaps a romantic getaway to celebrate your anniversary in Australia?

You may wish to check whether the domestic travel insurance policy provides cover for singles, couples and families or groups. Consider how the domestic travel insurance policy benefits and benefit limits apply to all travellers listed on the Certificate of Insurance.

These are just some of the considerations that you might wish to consider when reviewing the best travel insurance for domestic travel in Australia, so you know what cover is available to you before and during your trip in Australia.  
 
Before you decide on the best domestic travel insurance for your trip in Australia, you should read the PDS to check what the policy will and won’t cover you for, any conditions and exclusions that might apply to you and whether the policy provides the cover that you’re looking for. Any advice is general advice only and does not take into account your individual objectives, financial situation or needs.

Multi-Award Winning Travel Insurance

The Fast Cover team always strives to deliver the best travel insurance we can for all our travellers. We're very thankful for the Travel Insurance Awards we've received recognising our efforts.

Winner Travel Insurance Award

2022, 2023, 2024 & 2025 ProductReview.com.au Travel Insurance Award†

Value for Money

2024 Finder Customer Service Satisfaction Awards†

Travel Insurer of the Year

2023 WeMoney Awards†

Benefits of Australian Domestic Travel Insurance

Depending on how you customise your domestic Australian travel insurance policy, Fast Cover can provide you with different benefits to suit your travel plans, helping you to better prepare for and deal with unexpected circumstances on your domestic travels in Australia.

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

What is Not Covered in our Domestic Travel Insurance?

It’s important to know not just what your domestic travel insurance covers, but also what it doesn’t cover, so that you can choose the right policy for your needs. As with all policies, many situations and activities will have terms, conditions, exclusions, limits and sub limits that you need to be aware of.

Here are some examples of when cover may not be available under your policy. Always check the PDS and TMD to understand the policy terms, conditions, exclusions, limits and sub limits before making your decision.

If you become injured while breaking Australian law

If you become injured while breaking Australian law

If you become injured while breaking the law on your trip within Australia, there are various conditions and exclusions that may apply which means you may not be covered. For example, this could include driving a rental vehicle while under the influence of drugs or alcohol.

Remember that possession of certain drugs is illegal in Australia and laws may vary between states. Using drugs or selling them can land you in trouble with the law in Australia.

If you are intoxicated or have taken illicit drugs

If you are intoxicated or have taken illicit drugs

Whilst it may not be illegal to have a drink in Australia, alcohol consumption laws can be strict - particularly drink driving laws. Keep in mind that if you’ve drunk alcohol excessively, there are certain exclusions that will likely apply to your travel insurance policy.

For example, if you’re under the influence of alcohol and you accidentally damage someone else's property, you may not be covered under the personal liability benefit of your domestic travel insurance policy if alcohol was a contributing factor to the incident. Certain drugs are illegal in Australia, and you may not be covered by your domestic travel insurance policy when you’ve taken drugs.

Make sure to research relevant laws for the state you will be travelling to and follow the local laws.

Unsupervised belongings

Unsupervised belongings

If your personal items and belongings are stolen while unattended or unsupervised, you may not be able to make a claim for the stolen items. For example, if you leave your bag with your wallet and valuables inside it on the beach while you go for a swim, this will likely be considered leaving your belongings unattended, in which case you may not be covered.

Make sure you keep your belongings with you at all times or keep them in a secure location.

Medical expenses incurred in Australia

Medical expenses incurred in Australia

Medical expenses incurred in Australia are covered by Medicare or your private health insurance so our domestic travel insurance policy will not cover you for medical expenses incurred within Australia.

Some exceptions may apply under International policies that extend cover for domestic cruises. For more information, please visit our cruise travel insurance page.

Ignoring official warnings

Ignoring official warnings

Should the Australian Government release a warning that certain areas in Australia are no longer safe to travel to and you still choose to travel there anyway, there may be exclusions that will apply such as if you do not follow advice in the mass media where a travel advisory risk rating of Do Not Travel was issued after policy purchase.

Known events

Known events

Known events are serious situations, from natural disasters like bushfires and tsunamis to disease outbreaks, which can affect your holiday plans and also the cover on your domestic travel insurance policy. 

If you buy your domestic travel insurance after an event is deemed a “Known event”, the cover on your policy may be affected. You should check for any Travel Alerts that may have been issued for Australia so you know where you stand with regards to the cover that you will have on your domestic travel insurance policy. 

Disappointing holidays

Disappointing holidays

Perhaps the Aussie weather was bad, the tourist attractions were too crowded, or your accommodation didn’t live up to the pictures online. Whatever the reason you’re unhappy with how your trip within Australia has shaped up, your travel insurance policy for Australia is not intended to compensate you because you didn’t enjoy your time on your domestic trip.

As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.

Why Choose Fast Cover for your Aussie Trip?

Australian-Based Customer Service

24/7 Emergency Assistance

25 Day Cooling Off Period#

Fast and Simple Claims Process

Chosen by over
501,284
travellers and counting

4.6
From over 2,527 reviews°
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4.6
From over 2,291 reviews°
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What Our Travellers Are Saying

Aussie Help When You Need It

Fast Cover’s Aussie based team of experts are available to provide support wherever you are.

Customer Service Team

Call 1300 409 322

Manage Your Policy

Login to Update Your Policy

Find a Policy Document

View our PDS and TMD

Make a Claim

Online or Call 1300 409 322

FAQs about Domestic Travel Insurance

Fast Cover's Domestic Plus policy is a travel insurance policy for Aussies travelling in Australia, provided the travel destination is at least 200kms from your home. The Domestic Plus policy provides cover for a range of benefits to help travellers better deal with and prepare for unexpected and unforeseen circumstances covered under the policy benefits. Below is a list of Benefits available under the Domestic Plus policy: 

  • Trip Cancellation Expenses 
  • Trip Disruption Expenses 
  • Trip Resumption Expenses 
  • Accidental Death 
  • Luggage and Personal Effects 
  • Travel Delay Expenses 
  • Special Event Transport Expenses 
  • Personal Liability 
  • Rental Vehicle Excess 
  • Snow Sports Equipment 
  • Snow Equipment Replacement Hire 
  • Snow Prepaid Expenses 
  • Snow Resort Closure 
  • Covid-19 Trip Cancellation and Disruption 

Travellers can also choose to add-on optional extras for an additional premium, for example, to cover an extra list of adventure activities under the Adventure Pack, or provide some cover to claim reimbursement for damage, theft or loss of their personal bicycles under the Bicycle Pack.  

Eligibility criteria, policy terms, conditions, exclusions, limits and sub-limits apply. Consider the PDS prior to deciding which policy is right for you and your needs. 

Consider purchasing domestic travel insurance for Australia when you book or pay for your flights, accommodation and tours. Fast Cover’s cancellation cover allows you to make a claim for trip cancellation expenses for non-refundable bookings you’ve already paid, like flights, accommodation, cruises and tours, if you’re not able to travel within Australia due to an unexpected emergency that is covered under your policy.  

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs. 

You can purchase a policy anytime from 12 months prior to departure right up to the date of departure. You might consider whether you should buy it as early as possible as it may give you the longest period of cancellation cover for any pre-purchased accommodation, transport or ticket costs. 

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding which policy is right for you and your needs.

The cost of domestic travel insurance for Australia will vary depending on a person-to-person basis. This is because of various factors, including but not limited to the type of policy you choose for your trip within Australia, where you are travelling, the length of your trip, the time between purchase and departure, personal characteristics such as existing medical conditions and age, as well as any add-ons that you choose.  

To determine the cost of domestic travel insurance for your upcoming trip in Australia, request a quote from Fast Cover today.   

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs. 

Travellers embarking on domestic trips in Australia may often look for the cheapest domestic travel insurance. It’s important to keep in mind that the cheapest domestic travel insurance may not always provide cover for your unique travel needs and personal characteristics. 

When reviewing how much domestic travel insurance costs, make sure to read the PDS and consider the policy benefits included so that you know exactly what you are covered for, and what you are not covered for. The cheapest travel insurance may not always provide the right level of cover for your travel needs and trip type. 

To determine the cost of domestic travel insurance for your upcoming trip in Australia, request a quote from Fast Cover today.   

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

Kids can be covered under a Family or Single policy for both domestic and international trips if they are your children or grandchildren or children or grandchildren for whom you are the legal guardian who are aged 20 and under and not in full-time employment. They (dependant/s) must travel with at least one of the adults listed on the certificate of insurance for 100% of the person travelling’s itinerary. 

Other children travelling with you and without their parents or grandparents cannot be covered under your Family or Single policy. They will need to take out their own policy, or have their parent or guardian take out a policy to cover them. 

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on whether travel insurance is right for you and which policy is right for you and your needs. 

Snow Sports cover is automatically included with all domestic policies provided by Fast Cover. It is not possible to remove Snow Sports cover from a Domestic Plus travel insurance policy.

When considering what a domestic travel insurance policy should include, it’s important to consider your travel needs, the nature of your trip within Australia, who you are travelling with, the types of activities you plan to do on your trip and other considerations that may apply to you and your trip such as existing medical conditions. 

Consider if your domestic travel insurance policy provides cover to help you better deal with unforeseen circumstances if something unexpected happens like trip cancellations, trip disruptions, travel delays or lost luggage and the situations in which this cover may apply.  

If your itinerary is filled with activities, it may be wise to consider whether your policy provides cover for the types of activities you will be doing in Australia and if you can purchase additional cover for adventure activities if needed. 

Before you decide on the right domestic travel insurance for your trip in Australia, you should read the PDS to check what the policy will and won’t cover you for, any conditions and exclusions that might apply to you and whether the policy provides the cover that you’re looking for. Any advice is general advice only and does not take into account your individual objectives, financial situation or needs. 

Fast Cover’s Domestic Plus travel insurance policy does not provide cover for medical emergencies and medical expenses incurred whilst you are travelling in Australia because 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, airline, bus line or train line.  

If you are travelling within Australia and you have an existing medical condition, you can compete a medical screening to apply to include cover for your existing medical condition under applicable policy benefits such as trip cancellation cover. This means that travellers who need to cancel their trip due to their existing medical condition that is covered under the policy may be eligible to claim trip cancellation expenses. 

As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.    

Any advice is general advice only and does not take into account your individual objectives, financial situation or needs. Consider the PDS as eligibility criteria, policy terms, conditions, exclusions and limits apply. 

Medical expenses incurred in Australia are covered by Medicare or your private health insurance. Therefore, Fast Cover’s Domestic Plus policy does not provide cover for medical expenses incurred in Australia, including Ambulance costs. Please note that ambulance services are state run services and Medicare does not necessarily cover you for ambulance trips. 

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

Fast Cover’s Australian domestic travel insurance is available to provide cover for trip cancellation and disruption related to Covid-19 including you contracting covid-19 and other circumstances as outlined in our PDS. Medical cover, including cover for medical expenses relating to covid is not available under our Domestic Plus policies as these expenses are generally covered by Medicare or your private health insurance in Australia. 

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

If your domestic flight is cancelled at the beginning of your trip, depending on the policy taken out with Fast Cover, our Trip Cancellation Expenses benefit, Travel Delay Expenses benefit, or Special Event Transport Expenses benefit may be able to provide cover if the cancellation is due to an event that is covered under your policy. 

The Trip Cancellation Expenses benefit is available to provide cover for non-refundable pre-paid trip bookings such as flights, accommodation and tours, in situations covered by your policy. This benefit is included with our Comprehensive, Snow Sports, Domestic Plus, Frequent Traveller Saver and the Standard Saver policies.  

The Travel Delay Expenses benefit is available to provide cover for reimbursement of reasonable additional meals and accommodation expenses up to $200 for each traveller (excluding dependents) for each 24 hour period if your scheduled transport is delayed for at least 6 hours from the time your transport was scheduled to depart, in situations covered by your policy. This benefit is included with our Comprehensive, Snow Sports, Domestic Plus, Frequent Traveller Saver policies. 

The Special Event Transport Expenses benefit is available to provide cover for reasonable additional travel expenses to  book an alternative flight or other transport to help you make it to your special event on time if your scheduled transport is cancelled, delayed, shortened or diverted, in situations covered by your policy. The special event must meet our definition set out in the PDS. This benefit is included with our Comprehensive, Snow Sports Plus, Domestic Plus, and Frequent Traveller Saver policies. 

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs. 

As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.

Fast Cover’s Domestic Plus policy does not provide cover for rental vehicle excess for the hire of motorbikes, mopeds, scooters or golf carts rented in Australia. 

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.  

Fast Cover’s Australian domestic travel insurance policies provide cover of up to $5,000 for the rental vehicle excess component of your rental vehicle insurance with your car hire company in Australia. Our rental vehicle excess benefit does not directly provide cover for any damage to the eligible rental vehicle you hire on your domestic trip. Instead, our Domestic Plus policy can cover up to $5,000 for the rental vehicle excess your rental vehicle company would charge for damage caused to the vehicle under your rental vehicle insurance. To ensure you have cover for damage to your rental vehicle, consider taking out rental vehicle insurance directly with the car hire company. 

As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.  

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

The Domestic Plus policy can only be purchased for travel within Australia provided your destination is at least 200km away from your home. There is no cover for stopovers in international countries under the Domestic Plus travel insurance policy. 

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

For Fast Cover's travel insurance purposes, the Domestic Plus policy provides cover for travel to destinations within the Domestic region provided your travel destination is at least 200km away from your home. The Domestic region includes Australian states and territories including Queensland, New South Wales, Australian Capital Territory, Victoria, Tasmania, Northern Territory, South Australia, and Western Australia. The Domestic region also includes Australian islands such as Thursday Island, Lord Howe Island, Norfolk Island, Christmas Island and Cocos (Keeling) Island.

A Domestic Plus policy for the Domestic region does NOT provide cover for overnight cruising in Australian waters. Cover for domestic cruises may be available under International policies that include Australia as a travel destination.

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

For customers looking to get a domestic travel insurance quote or buy a policy for domestic travel within Australia from Fast Cover, Australia is in the Domestic region.

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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.

^ Eligibility criteria, policy terms, conditions, exclusions, limits and sub limits apply to all policies. Make sure you consider the PDS and TMD at fastcover.com.au prior to deciding which policy is right for you and your individual needs.  

# 25-day money back guarantee applies provided your trip has not started and you have not exercised any rights under the policy (e.g. made a claim or used the policy to obtain a visa).

¹ Health Insurance Act 1973 (Cth), the Private Health Insurance Act 2007 (Cth) or the National Health Act 1953 (Cth) 

~ These are only some of the resources, please do your own research to find out more information as per your specific needs and circumstances and whether the information provided in these resources is correct and current. 

 ° Ratings and awards are only one factor to be taken into account when deciding whether this product is right for you. The star rating is accurate as of 13/08/25, check Product Review and Google for current ratings.