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Domestic Travel Insurance

Important Travel Alert:

Before you buy, please read our travel alerts.

Travel Insurance for australia

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 skiing or cruising domestically you can add extras to your policy to cover those. 

Rental Vehicle Excess

Domestic rental car excess

If something goes wrong with your domestic rental car, you won't be stung with an expensive excess from the rental car company.

Unlimited Cancellation

Cancellation
Cover

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.

Luggage and Personal Items

Luggage & Personal Items

 Things can still get lost when you’re travelling in Australia. That’s why we cover for up to $15,000 worth of luggage and personal effects.

Unexpected Travel Delays
  • Travel
    Delays
     

    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.

Covid cover when travelling domestically

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.  At this time we do not cover any cancellation costs or additional costs incurred because of Coronavirus (COVID-19). See our Covid hub for full information. 

 

Looking for Rental Vehicle Excess Insurance?

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

 

 

Domestic Cruising
 

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.

 

 

Benefits of Domestic Travel Insurance
 

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 Benefit Domestic Travel Insurance
Single Trip
Domestic Travel Insurance
Frequent Traveller Annual
Medical - domestic Travel Insurance
   

Overseas Emergency Medical Assistance^

X

X

Overseas Emergency Medical & Hospital Expenses^*

X X

Includes Dental Expenses (per adult)^

X

X

Resumption Of Journey^*

X

X

Hospital Cash Allowance^*

X

X

Repatriation Of Remains

$15,000

$15,000

Permanent Disability^*

X

X

Loss of Income^*

X

X
luggage - domestic Travel Insurance
   

Credit Card Fraud & Replacement^

X

X

Includes Travel Documents & Traveller's Cheques^

X

X

Theft Of Cash^#

X

X

Luggage & Personal Effects*

$15,000

$15,000

Luggage & Personal Effects Delay Expenses^

X

X
cancellation - domestic Travel Insurance
   

Additional Accommodation & Travel Expenses*

$2,000

$2,000

Includes Family Emergency*

Yes

Yes

Includes Emergency Companion Cover*

Yes

Yes

Cancellation Fees & Lost Deposits*

Unlimited

Unlimited

Disruption Of Journey*

$2,000

$1,000

Alternative Transport Expenses^

X

X
ancilliary - domestic Travel Insurance
   

Personal Liability#

$5 million

$5 million

Domestic Pets^*

X

X

Domestic Services^*

X

X

Rental Vehicle Insurance Excess#*

$5,000

$5,000

 

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domestic Travel Insurance FAQS

  • What is domestic travel insurance?
  • Domestic travel insurance is for Australian residents that provides cover for trips taken within Australia.

  • What constitutes a domestic trip?
  • 1Cover considers trips that are only 100km from your home a holiday. Not all insurers do so beware.

  • Do i need insurance when travelling domestically around australia?
  • 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.

  • How much does Domestic travel insurance cost?
  • It largely depends on your age and how long you are travelling for. But for a 35 year old, without any pre-existing conditions, a week long policy costs around $50.

  • Am I Covered if i’m taking a domestic cruise?
  • 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.

  • What does domestic insurance cover with my rental vehicle? 
  • 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 of up to $5,000 (unless you have opted to increase your excess) for any excess or deductible which you become legally liable to pay under your Rental Vehicle hiring agreement. 

  • What if I take frequent domestic trips around Australia?
  • 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.

  • Does Domestic Cover include Medical Assistance?
  • 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.

  • Are there any exclusions for Domestic Cover?
  • 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. 

  • does domestic cover include covid?
  • ​​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.  At this time we do not cover any cancellation costs or additional costs incurred because of Coronavirus (COVID-19). See our Covid hub for full information.

  • does domestic insurance cover cruises?
  • 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.

  • Does Domestic travel insurance cover adventure activities?
  • 1Cover provides coverage for 100+ activities. While any medical costs arising from domestic activities can’t be covered, you may be covered for if you need to forfeit pre-paid fees or deposits if you're unable to travel. The reason we can’t cover medical costs is that we can't take the place of domestic health insurance. There is legislation in place to prevent this.

  • Does Domestic Travel Insurance Cover Flight Cancellations?
  • 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.

  • Are events like bushfires covered?
  • 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.

  • Is There An Excess On My Domestic Travel Insurance?
  • There is a $200 excess that is applicable per event per claim. 

READ ALL FAQS

 

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Customise your Domestic travel insurance

Cruise Pack

Domestic Cruise Pack 

People often think cover isn’t needed for domestic cruise, but Medicare won’t cover you once you leave Australian waters - not to mention missed departures and cabin confinement. See PDS for full details.

Winter Sports Pack

Domestic Winter Sports Pack

Whether it’s Thredbo, Perisher, or Falls Creek, you may want to add the Winter Sports Pack to your policy to make sure you’re insured for ski sports in Australia. See PDS for full details.

Rental Car Cover

Additional rental Vehicle Excess

Road trips are part of the Australian experience. We cover rental vehicle excess up to up to $5,000. But you can choose to increase this amount up to $8,000.

 

 

Travel Insurance Award Winners 2023

mozo award

 

travel domestically within Australia 

 

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:

Spontaneity

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. 

Sustainability

If you’re not travelling interstate, you can reduce your carbon footprint by not getting on a plane. Travelling domestically means you’re supporting Australian tourism and local businesses too. 

safety

Things can happen wherever you travel, at least when you travel at home you understand the healthcare system and laws already ​​​​.​​

Indigenous Culture

Australia has an ancient and rich Indigenous culture which can be explored throughout many parts of the country. Whether it’s Uluuri, or Kakadu make sure you experience the traditions of the Aboriginal and Torres Strait Islander peoples on your domestic holiday 

 

 

Why Choose 1Cover Travel Insurance?

Trusted by 2 Million customers


Since 2003, we've provided travel insurance to more than 2 million happy customers around the world. We don't focus on anything else but travel insurance, and that makes us specialists in the field.

Award winning Insurance 

We’re proud to be awarded for our quality products and services. We recently won Mozo's 2023 Experts Choice Award for Exceptional Value Comprehensive Travel Insurance. As well as Product Review's Travel Insurer of the Year in 2019.

Local Customer Service

Our customer service specialists are based in Sydney and operate from Monday to Friday.  Whether you're buying a policy or making a claim, you can be sure one of our caring, knowledgeable customer service legends will be able to help you out. 

/emergency-contacts/

24/7 Emergency Assistance

The one time you really need travel insurance is in case of emergency. With 1Cover, you have 24/7 emergency assistance at all times - so when one thing goes really  wrong, we'll be there to help you.  

Pre-Existing Medical Cover

Unlike many other travel insurers, we automatically cover 35 conditions under our policies. We know everyone is different and that's why our medical team assess each pre-existing condition on a case by case basis.

Fast Claims 

If you want your claim paid quickly, and you don’t want to deal with a complicated claims process, then use 1Cover. Just make sure you have all your receipts and relevant documents handy.

 

The One thing you need

 

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.