Domestic Travel Insurance

Are you visiting family or friends within Australia? Get covered with our Domestic Travel Insurance.

Domestic Travel Insurance Features & Benefits

Our domestic travel insurance covers you for rental car excess insurance, luggage, personal effects, lost deposits plus more.

You also have the option to purchase additional cover for high value items such as camera equipment and we charge no excess on any claims.

  • Don’t let the unexpected affect your holiday. Unlimited cancellation & lost deposits cover.
  • Planning to get a rental vehicle while on your trip? $5,000 rental vehicle excess cover.
  • Taking some expensive items on your trip? $15,000 luggage and personal effects cover.
  • Something unexpected delays your trip? Additional cover for travel delays — meals and accommodation.


Read the full policy wording in our Product Disclosure Statement for more details including full terms and conditions, limits and exclusions that apply.



FAQs About Domestic Travel Insurance

  • Is There An Excess On My Domestic Travel Insurance?
  • There is a nil excess that applies to all cover items on the Domestic plan.

  • Am I Covered On A Domestic Policy If I Am Travelling On A Cruise Liner Within Australian Waters?
  • No. If you are travelling in Australian waters on a cruise liner you need to purchase travel insurance that covers Domestic Cruises. This will ensure that you are covered for emergency medical assistance and emergency medical and hospital cover.

  • Do I Need Rental Vehicle Insurance If My Travel Insurance Covers Rental Vehicle Excess?
  • Please be aware the rental vehicle excess benefit does not take the place of Rental Vehicle Insurance. We will reimburse you up to $5,000 on our comprehensive plans for any excess or deductible which you become legally liable to pay under your Rental Vehicle hiring agreement if the Rental Vehicle is involved in an accident while you are driving, or is damaged or stolen while in your custody.

  • What Happens If I Come Home Early?
  • Your policy covers the full duration of your trip. There are no refunds should you come home earlier than planned.


A complete list of FAQS.

Table of Benefits - Domestic Travel Insurance

Explore our table of benefits below to see all the cover provided by our domestic travel insurance policies.

Key Benefits Comprehensive Frequent Traveller

Additional Accommodation & Travel Expenses

Cover for additional travel expenses if you cannot travel because of an injury or sickness (whilst overseas).

Includes Family Emergency

Cover for additional travel expenses if your travelling companion, or a relative of either of yours, dies unexpectedly, is disabled by an injury or requires hospitalisation.

Includes Emergency Companion Cover

Cover for additional travel and accommodation expenses if your travelling companion cannot continue their Journey because of an injury or sickness.

$50,000 $50,000

Accidental Death

A death benefit is payable if you die because of an injury sustained during your journey within 12 months of that injury.

$25,000 $25,000

Luggage & Personal Effects

Cover for replacement of luggage and personal effects stolen, lost or damaged during travel. This includes luggage, personal effects, camera, spectacles and computer.

$15,000 $15,000

Cancellation Fees & Lost Deposits

Cover for cancellation fees and lost deposits for pre-paid travel arrangements due to unforeseen circumstances neither expected nor intended by you, and which are outside your control, such as; sickness, injuries, strikes, collisions, retrenchment and natural disasters.

Unlimited Unlimited

Disruption of Journey

Cover for additional meals and accommodation expenses, after an initial 6 hours delay, if your Journey is disrupted due to circumstances beyond your control. 

$1,000 $1,000

Personal Liability

Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you.

$5 million $5 million

Rental Vehicle Excess

Cover for the excess payable on your rental vehicle's motor vehicle insurance resulting from the rental vehicle being; stolen, crashed or damaged and/or the cost of returning the rental vehicle due to you being unfit to do so.

$5,000 $5,000


Further Reading

Going on a domestic trip around Australia? Check out our domestic traveller advice and tips.


Domestic Tips

Going Bushwalking?

Tips for planning a bushwalking adventure! Including things to consider and what our travel insurance covers you for.


Bushwalking Travel Insurance

Taking the leap and planning to travel for a long time and not coming back until everything is ticked off your bucket list? You can buy a long term travel insurance policy with us that covers you for 12 months of consecutive travel.

Long Term Travel Insurance

Our travel insurance covers a range of things that could go wrong while on holiday such as overseas medical assistance, car hire excess, luggage and lots more.


What Is Covered?




Why Choose 1Cover Travel Insurance?

Pre-Existing Medical Cover

We automatically cover 35 conditions under our travel insurance policies. We understand that everyone is different and we assess pre-existing conditions on a case by case basis.



One Million Customers

We are proud to say that we have provided cover to over one million customers around the world. Whether you are exploring Australia or the rest of the world, we have a travel insurance policy to suit your needs.


Local Call Centre

Our Call Centre is based in Sydney. We’re open seven days a week for your convenience. Our team are trained travel insurance specialists who will be able to assist you in tailoring travel insurance to suit your needs.

Rental Car Excess

Our travel insurance will cover the excess payable (up to $5000) on your rental vehicle’s insurance resulting from the vehicle being involved in an accident, is damaged or stolen.

Coverage For The Family

Dependants under 21 years who travel with a parent or grandparent for 100% of the journey are covered at no additional cost on our single and family policies. 

24 Hour Emergency Help

You can rest assured knowing that you have 24/7 emergency assistance. We are there for you when you need us most.