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Travel Insurance - Important Information

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What is Domestic Travel Insurance?

Domestic Travel Insurance is designed for trips taken within Australia. Unlike many other providers, 1Cover offers protection for domestic trips when you’re travelling only 100KM away from your home. 

Domestic travel insurance covers you for things like trip cancellation, rental car excess, losing your luggage and family emergencies. However, it’s important to note that domestic travel insurance doesn’t cover medical expenses.   

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

Covers all eligible age drivers on your rental vehicle agreement and you can reduce your excess to $0.

Get Rental Vehicle Excess Cover


benefits of Domestic Travel Insurance

With every domestic travel insurance policy, you’ll get the following benefits while travelling in Australia. All benefits listed below are subject to terms and conditions within the PDS

For full details on what our policies cover, see our travel insurance coverage page.

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


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 and 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

    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.

This page was last updated on: 18 February 2020

Travel Insurer Of The Year 2019

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 Insurer Of The Year 2019

Table of Benefits - Domestic Travel Insurance

Explore our table of benefits below to see the policy benefits provided by our Domestic travel insurance policies. To find out more about our Domestic travel insurance 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^



Overseas Emergency Medical & Hospital Expenses^*


Includes Dental Expenses (per adult)^



Resumption Of Journey^*



Hospital Cash Allowance^*



Repatriation Of Remains



Permanent Disability^*



Loss of Income^*


luggage - domestic Travel Insurance

Credit Card Fraud & Replacement^



Includes Travel Documents & Traveller's Cheques^



Theft Of Cash^#



Luggage & Personal Effects*



Luggage & Personal Effects Delay Expenses^


cancellation - domestic Travel Insurance

Additional Accommodation & Travel Expenses*



Includes Family Emergency*



Includes Emergency Companion Cover*



Cancellation Fees & Lost Deposits*



Disruption Of Journey*



Alternative Transport Expenses^


ancilliary - domestic Travel Insurance

Personal Liability#

$5 million

$5 million

Domestic Pets^*



Domestic Services^*



Rental Vehicle Insurance Excess#*



This is a brief summary of cover only and does not include full terms, conditions and exclusions. Sub-limits may also apply. Please read the policy wording in the PDS.

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FAQs: domestic Travel Insurance

  • Why do i need Domestic Travel Insurance?
  • Travelling within your home country may be easier in some ways than travelling overseas, but plenty of things can still go wrong. Your items can still get damaged or stolen. You still might need to cancel your trip, you might need to go home early if a family member is unwell, or your rental vehicle might get stolen or damaged.

  • What constitutes as a domestic trip?
  • Unlike many other insurers, 1Cover offers domestic cover for trips that are only 100KM away from your home.

  • 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.

  • Do seniors qualify for Domestic Insurance?
  • We offer cover for all ages. Depending on your age, we may require a little more information, and certain exclusions may apply. See our Seniors Travel Insurance page for more details.

  • Are there any exclusions for Domestic Cover?
  • Domestic medical expenses are excluded, as well as a list of general exclusions that are listed in the PDS. These general exclusions include, but are not limited to: not acting in a responsible way to protect yourself, being intoxicated, or breaking the law. See the PDS for the full list.

  • 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.

  • Are kids covered for free on domestic policies?
  • Dependants are covered for no extra cost, so you have added peace of mind when you take the kids and grandkids and see what Australia has to offer. Please note that dependant children are classed as under 19 and travelling with their parents or grandparents for their whole trip. Please see the PDS for limits and exclusions, as well as all terms and conditions.

  • 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. 

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

  • Do I Still Need Rental Vehicle Insurance?
  • Please be aware the rental vehicle excess benefit does not take the place of Rental Vehicle insurance. 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, if the Rental Vehicle is involved in an accident while you are driving, or is damaged or stolen while in your custody.



Want to know More about...

Skiing Domestically?

First, you might want to add the Ski Pack to your travel insurance policy. Then you should read our Skiing In Australia guide for everything you need to know about skiing Down Under. 

100+ Activities covered

Travelling means doing...especially in Australia! Luckily we 100+ activities. You can have fun while you’re away, and still have peace of mind. 

Cruising Domestically?

First you'll need Cruise cover. Then you should read our cruising guide, which tells you the when, where and what of having the best cruise holiday ever. 



Why Choose 1Cover Travel Insurance?

Trusted & Loved by 1.5 Million customers

Since 2003, we've provided travel insurance to more than 1.5 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 

1Cover won 2019 Travel Insurer of the Year. is Australia's first and most comprehensive consumer opinion site, and they provide a totally unbiased platform where people can rate and review products and services. 

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. 


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.

Still Need Some Help? Contact Us!

If you have any other questions or queries, please visit our Contact Us page. 
If you are experiencing an emergency, please use the details on our Emergency Assistance page.