HomeTravelTips and ResourcesWhy buy domestic travel insurance?

Why buy domestic travel insurance?

Whether you are exploring Australia for fun or taking an important business trip, having domestic travel insurance behind you can often mean an easy and assuring experience.

Here are some of the most common things that domestic travel insurance for Australians can cover:

1. Cancellations
Australia is a fantastic country with plenty to see and do but just as with anything in life, things do not always go according to plan. If you have to cancel your travel plans due to an unforeseen or unexpected event, travel insurance can allow you to claim back some (or all) of the funds you have lost due to cancelling flights, accommodation, car hire and more.

2. Baggage and belongings
It can be frustrating when your possessions aren’t where they are supposed to be, no matter where in the world you are. The right domestic travel insurance can ensure your baggage and belongings are covered in regards to delays, losses or thefts. Your Product Disclosure Statement (PDS) will tell you exactly what items and circumstances for which you are protected. If there is something specific about which you are concerned, it may pay to consider upgrading your cover.

3. Rental cars
Rental cars can make any Australian trip highly convenient, but you may need extra travel insurance cover in case the vehicle becomes damaged or is stolen while in your care. Domestic insurance can cover any excess payable in case of an incident. You will also need to make note of any exclusions relating to your rental car cover. For instance, if you carry out any illegal activities while driving (e.g. drink driving) or if someone else is driving the car at the time of an accident, you usually won’t be able to claim.

4. Sports and recreational activities
Activities such as skiing or golfing can be lots of fun while holidaying in Australia, and certain levels of travel insurance can also cover you for any equipment or gear hire. However, you should note, though, that this may not be an automatic part of domestic travel insurance, which means you’ll need to request to add this particular type of cover into your policy.

5. Business equipment
If you are travelling for business, the last thing you want is for your equipment to become damaged. Many forms of domestic insurance will allow you to include cover for business equipment (such as laptops and tablets) in your policy. If you lose or damage your equipment, you may also be able to claim hire and courier expenses.

If you are uncertain about any area in your travel insurance package, make sure you read the PDS or contact our customer service agents before you buy to understand your options.

InsureandGo’s Domestic travel insurance policy provides comprehensive cover for a low and affordable price and kids will get cover for free when travelling with parents or grandparents.

Get 10 per cent off your next policy at www.insureandgo.com.au or phone 1300 552 701.

Mitsui Sumitomo Insurance Company, Limited, ABN 49 000 525 637, issues InsureandGo Travel Insurance (the insurance). Please read the combined product disclosure statement and financial services guide available at www.insureandgo.com.au/policy-wordings to decide if the insurance is right for you.

Related articles:
Comparing travel insurance companies
Is your condition covered?
Choosing the right travel cover

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