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Travelling within Australia? 1Cover's Domestic travel insurance covers you for things like trip cancellation, rental car excess, losing your luggage and family emergencies, but it doesn’t cover medical expenses while you holiday at home.
If you're hiring a car, it can also provide cover for the rental insurance excess which in most cases is far cheaper than you'll find at the depot. Plus, if you're doing adventures sports, skiing or cruising domestically you can add extras to your policy to cover those.
If something goes wrong with your domestic rental car, you won't be stung with an expensive excess from the rental car company.
Just because it’s a domestic holiday, it doesn’t mean it’s cheap. Cancellation cover can help if you need to change your plans.
Things can still get lost when you’re travelling in Australia. That’s why we cover luggage and personal effects.
Your journey could be delayed by events outside of your control like weather, or bushfires. Our domestic cover includes additional accommodation and meal expenses.
For full details on what our policies cover, see our travel insurance coverage page.
When you hire a car in Australia, if your rental vehicle is involved in an accident, is damaged, or is stolen, you could be liable to pay thousands of dollars for the rental car excess charged by your hire car company.
Don’t get fleeced by your hire car company, visit carhireexcess.com.au
Covers all eligible age drivers on your rental vehicle agreement and you can reduce your excess to $0.
Get Rental Vehicle Excess Cover
If you're on a domestic cruise within Australian waters you are no longer covered by Medicare. Add the Cruise Pack to your quote to ensure you're covered for emergency medical expenses onboard the ship as well as evacuation to shore should the need arise.
Find out what features and benefits our Domestic Travel Insurance covers.
To find out more about our policies, see the PDS or get an instant quote now.
| Domestic Travel Insurance Policy Benefits | Single-trip | Frequent Traveller | |
|---|---|---|---|
Emergency | |||
| 24/7 Emergency Assistance Service | included | included | |
Luggage & Personal Items | |||
| Luggage & Personal Effects | ASO | $7,500 | $7,500 |
Cancellation & Delay | |||
| Pre-Departure Cancellation Fees & Lost Deposits | PSO | chosen limit | chosen limit |
| Pre-Departure Amendments to Journey | A | $2,000 | $2,000 |
On-trip Disruption | |||
| On-trip Cancellation Fees & Lost Deposits | PSO | chosen limit | chosen limit |
| Additional Accommodation & Travel Expenses — Family Emergency — Emergency Companion Cover | ASO | $2,000 | $2,000 |
| Travel Delay Expenses | SO | $2,000 | $2,000 |
Other | |||
| Personal Liability | P | $5 million | $5 million |
| Domestic Pets | SO | $500 | $500 |
Rental Vehicle Excess | |||
| Rental Vehicle Insurance Excess | PSO | $5,000 | $5,000 |
This table is a summary of cover only. Sub-limits may apply. Please read the Policy Wording for full terms, conditions, limits, excess payable and exclusions to determine whether our travel insurance is right for you. All benefits are per traveller, unless specified. A Limits are per adult traveller. For accompanying dependants, the policy benefits are shared with the adult traveller. S Sub-limits apply. P Limits are per policy regardless of the number of persons the claim relates to. O There is no cover while travelling in Australia. |
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Domestic travel insurance is for Australian residents that provides cover for trips taken within Australia.
1Cover considers trips that are only 100km from your home a holiday. Not all insurers do so beware.
There are risks wherever you travel - even on domestic trips. Incidents can easily happen in Byron or Bali, whether it's lost luggage or a delayed flight, or an unforeseen emergency at home means you can no longer travel. Domestic travel insurance is just as vital for holidays at home as well as trips overseas to help protect you from unexpected events outside of your control.
Even if you are only cruising withing Australia waters, you need travel insurance, as Medicare will not cover you when you are out at sea. You must purchase our Cruise Pack add-on with your policy, selecting 'Australia Cruise' for your region.
This will ensure you are covered for emergency medical assistance and emergency medical and hospital cover, cancellations, missed departure and more. See our Cruise Travel Insurance page for more information.
Rental vehicle excess benefit does not take the place of Rental Vehicle insurance. However, if your Rental Vehicle is involved in an accident while you are driving, or is damaged or stolen while in your custody, you have provision to claim for a reimbursement for the excess or deductible which you become legally liable to pay under your Rental Vehicle hiring agreement. Limits apply, check the PDS for details.
If you take frequent Domestic Trips, you might want to consider a Frequent Traveller Policy. This is a convenient way to save time and potentially money, if you travel regularly around Australia. Find out more about Annual or Frequent Traveller policies.
While you are in Australia, we are unable to cover any domestic medical expenses. As a travel insurer, we can't take the place of health insurance. There is legislation in place to prevent this. If you are an Australian permanent resident or citizen, you will likely have access to Medicare or your private health insurance.
Depending on the type of policy you buy, most domestic travel insurance plans for Australia cover for things such as lost or damaged luggage and travel documents, rental vehicle insurance excess, additional expenses, amendment or cancellation costs, but they do not cover medical benefits because of the Australian health care system Medicare.
1Cover offers overseas medical coverage if you test positive for Coronavirus (COVID-19) and require medical treatment while overseas, but we do not cover you medically when travelling domestically. See our Covid hub for full information.
If you are travelling in Australian waters on a cruise liner you will need to purchase our Cruise Pack add-on with your policy, selecting 'Australia Cruise' for your region. This will ensure you are covered for emergency medical assistance and emergency medical and hospital cover, cancellations, missed departure and more. See our Cruise Travel Insurance page for more information.
1Cover domestic travel insurance you when your scheduled transport is cancelled due to severe weather, natural disaster, riots, strikes or civil unrest. Find out more about our flight cancellation cover.
Travel is unpredictable, even in Australia. Your journey could be delayed by events outside of your control - like weather or bushfires - so we provide cover for additional accommodation and meal expenses.
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If you’re on a long-term trip and you’re thinking of taking a cruise, you might want to add the Cruise Pack to your policy to ensure you’re covered at sea. See PDS for full details.
If you’re on an exciting, adventure trip, you need to add the Sports & Adventure Pack to your policy to ensure you’re covered. See PDS for full details.
Mont Blanc to Niseko...your long term travels could take you to many winter wonderlands. If snow sports might be a factor on your trip, consider adding our Winter Sports Pack to your policy. See PDS for full details.
1Cover’s domestic policies protect you with rental vehicle excess cover. But you have the option of increasing this cover or adding it to international policies in case your rental car company gives you nasty surprise.
Want to holiday at home? You don’t leave to leave Australia to have a unique holiday experience. From the Great Barrier Reef, Uluru, the Daintree rainforest we’ve certainly got it all. Here's 4 reasons why to travel domestically:
Last minute trip? You don’t need a visa or passport to travel within Australia making it easy to get away at the drop of a hat.
Our emergency assistance team are available to help you 24 hours a day, 365 days a year, no matter where you are in the world.
We’re recognised with awards for exceptional products and service by industry experts Canstar, Mozo and Product Review.
Whether you're buying a policy or making a claim, one of our friendly travel insurance experts will be able to assist you.
We’ve covered over 2 million travellers and their holiday adventures worldwide. Here’s what our customers have to say.
We make it easy to declare your pre-existing medical conditions and apply for cover with a simple online assessment.
With 20 years in business, we sure know a thing or two about travel insurance. If you have any questions on your cover, we're here to help. Get in touch and one of our friendly team, based in Australia, will be happy to assist.
1Cover ® is a registered trademark of 1Cover Pty Ltd. 1Cover Pty Ltd ABN 91 105 954 265, is an authorised representative of Coffre-Fort Pty Limited ABN 66 125 358 518, AFS Licence No. 472457. Before you buy, please read the Product Disclosure Statement and Target Market Determination. Any information contained on this website is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these having regard to the Product Disclosure Statement (‘PDS’). Before you purchase, please note in particular, the eligibility criteria, travel warnings in place and limitations to claim under multiple policy sections.
This insurance is underwritten by HDI Global Specialty SE – Australia.
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