Do you need domestic travel insurance?

Having domestic travel insurance behind you can often mean an assuring experience.

Do you need 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?

It’s usually easy to cancel or postpone a domestic trip compared to an international trip, but it may not be so easy to forfeit the money you’ve already paid. If you have to cancel your travel plans due to an unforeseen/unexpected event, travel insurance can allow you to claim back some (or all) of the funds you have lost due to cancelling flights, accommodation, delays, car hire and more.

2. Baggage & 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 will tell you exactly what items and circumstances you are are protected for. If there is something specific you are concerned about, 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. 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 & Recreational Activities

Activities like skiing or golfing can be lots of fun while holidaying in Australia and certain levels of travel insurance can also mean you have the opportunity to cover yourself for any equipment or gear you hire. 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.

InsureandGo offers comprehensive travel insurance cover for travellers up to the age of 100 and are offering 10 per cent off their travel insurance for YourLifeChoices subscribers. Simply click here or contact us on 1300 552 701 and quote the promo code: Choices10 and save! Keep in mind, you can buy travel insurance up to one year in advance prior to departure.

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 to decide if the insurance is right for you.


    To make a comment, please register or login
    Ted Wards
    25th Aug 2016
    I travel both intr and interstate as well as overseas many times a year so I get a separate domestic insurance policy as there are no limitations on distance. If you combine it with an overseas trip you must travel over 250 kms to be able to claim however if you get a stand alone one this does not apply.

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