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Domestic Travel Insurance



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Protect your Australian holiday with domestic cover

Most people know the value of international travel insurance. But did you know it is just as important to have domestic cover when travelling around Australia?

Whether you are going on a family holiday to the Gold Coast, jumping onboard a week-long domestic cruise, or enjoying a long weekend in Sydney, travel with peace of mind with a Domestic Plan from Cover-More.

To help you out, we have put together a list of commonly asked questions about domestic travel insurance. If your question isn't answered below, check out our Domestic Travel Insurance FAQs for more information.

Why buy domestic insurance?

While domestic travel insurance does not cover medical expenses - with the exception of cruises - many other benefits still apply. More than one-third of domestic travellers experience an unexpected circumstance that can leave them out of pocket. Yes, your luggage can be stolen as easily in Perth as it can in Paris. Or, if your child becomes unwell and you need to cancel your trip, it does not matter if you were travelling to Brisbane or to Barcelona.

Here are some real-life Cover-More stories of customers who were able to claim under their domestic policy:

  • An airline lost a customer’s suitcase and the items were not recoverable. Luggage claim value: $2,500
  • A customer’s rental car was written off after a third-party collision. Rental Car Insurance Excess claim value: $4,000

There are always risks when you travel - even on domestic trips. Find out how affordable cover can be by getting a quote online or call our team on 1300 72 88 22. We can help you find the plan that best suits your needs.

Types of domestic cover

At Cover-More, we are able to offer you either the Domestic Plan or the Domestic Cancellation Plan for travel within Australia. 

The Domestic Plan provides comprehensive travel insurance designed for domestic travel. You can choose the plan best for you, such as including options that provide protection for winter sports, motorcycle/moped riding, or increase your luggage limits and rental car excess coverage. The Domestic Plan includes benefits that can cover:

  • Travel delays
  • Trip cancellation or amendments
  • Lost luggage and travel documents
  • Rental car insurance excess
  • Loss of income
  • Personal liability and more!

If you have a tight budget, the Domestic Cancellation Plan offers basic travel insurance that protects you against the loss of pre-paid deposits and cancellation fees. No other benefits apply to Domestic Cancellation policies. It can cover you for:

  • Cancellation costs up to $1,500

Domestic benefits summary

Benefit Description Domestic
Single Trip or AMT (Per adult)
Domestic Cancellation
Single Trip (Per person)
Amendments or cancellation costs and additional expenses* $10,000 Cover chosen^
Luggage and travel documents* $3,000 -
Rental car insurance excess $4,000∞ -
Personal vehicle insurance excess $2,500 -
Travel delay* $750 -
Special events $2,000 -
Loss of income $1,500† (up to $250 per month) -
Disability $10,000† -
Accidental death $10,000† -
Personal liability $200,000 -

∞Additional cover available.
^Cover chosen applies per policy.
*Sub-limits apply. Please refer to the policy wording.
†Maximum liability collectively for sections (Loss of Income, Disability and Accidental Death) is $10,000 on the Domestic Plan.

If you are planning to travel more than twice this year and for no longer than 30 days at a time, consider our Annual Multi-Trip policies. You can travel with peace of mind knowing any trip more than 250 kilometres from your home – or any trip under 250 kilometres if it includes at least one night of paid accommodation with an accommodation provider or supplier – is protected. To help find the right travel insurance call us on 1300 72 88 22.

How to buy a domestic policy

To purchase domestic travel insurance on our website, select ‘Australia’ as your destination in the quote box. Do not choose ‘Australia Inbound’ unless you are an international person visiting Australia. Fill in the rest of your travel details and then click ‘Get Quote’ for a price.

cover-more quote box

Enter in the remainder of your details including information about Existing Medical Conditions and finalise your policy.

If you are going on a cruise in Australian waters, select ‘Domestic Cruise’ as your destination – you will then have an international policy that includes cover for medical expenses outside of Australia on the cruise.

domestic cruise cover-more quote box

After you have generated a price by submitting your travel details in the quote box, you will need to select the Cruise Cover option to add it to your policy.

cruise extra purchase path

You can then finalise your travel insurance and get ready to set sail! If you need assistance with finding the right policy for you, call us on 1300 72 88 22.


Our Cover-More policies can offer coverage in case you need to cancel your trip within Australia for an unexpected reason. The Domestic Plan has a benefit for amendments and cancellation costs up to $10,000. For a lower premium, you can select a Domestic Cancellation policy that provides cancellation coverage up to $1,500.

Medical cover

There is no medical cover available to you under domestic policies in Australia while onshore. This is standard across all travel insurers. We are unable to cover your medical expenses incurred within Australia if you are an Australian resident or eligible overseas representative. We encourage you to contact Medicare or your private health fund to discuss the medical coverage options available to you.

With that said, we can provide medical cover to you while on a cruise holiday. Medicare and private health funds do not cover medical facilities on a cruise ship, which is where we come in. If you are going on a domestic cruise, cover can be offered for unforeseen medical expenses while on board. You will need to add the Cruise Cover option to your travel insurance policy for this to apply.

sydney harbour

Domestic cruises

Cruises are a great holiday option for families, seniors and everyone else in between. If you are about to set sail on a domestic cruise, consider purchasing cruise travel insurance for peace of mind. Make sure you choose Domestic Cruise as your destination in the quote box and then select the Cruise Cover option for cover to apply. You are able to choose the excess amount from either $0, $100 or $250.

Medicare or your private health insurance will not cover the costs of using the medical facilities on a cruise ship, even if it is staying within Australian territorial waters. This means you may be out of pocket if you need to see a doctor unexpectedly while on board.

You can add Cruise Cover to your Domestic Plan by paying an additional premium. By including the cruise travel insurance option in your policy, you can be covered for unforeseen medical expenses, cancellation and lost luggage.

We know holidays can be expensive, so you can select a Medical Only Plan for a lower premium. You will still need to add Cruise Cover when setting up your policy. This type of coverage only protects you against unexpected medical expenses while on board.

Travelling while pregnant

Being pregnant does not necessarily mean you have to stop travelling. At Cover-More, we can provide travel insurance for pregnancy up to the 24th week (23 weeks, 6 days). If you are buying travel insurance while pregnant, you will need to fill in a medical assessment to apply for cover if:

  • You have experienced complications with your current pregnancy or a previous one;
  • It is a multiple pregnancy e.g. twins or triplets; or
  • Conception was medically assisted e.g. using fertility treatment such as IVF or hormone therapies.

If you purchased your travel insurance before finding out you were pregnant, you will not need to do anything. Keep in mind that you will have to provide supporting documentation from your doctor if you become unfit to travel and need to claim for cancellation.

There is no medical coverage available on our Domestic Plans unless you are going on a domestic cruise and have added the Cruise Cover option. There is no cover for childbirth or the health of a newborn child on any of our plans. Other policy benefits can safeguard your trip against expenses arising from lost luggage, travel delays and cancellation.

Why not consider a domestic holiday if you want to squeeze in a babymoon and take one last trip? It is a great way to relax and see more of our beautiful country. Make sure you are aware of any airline restrictions for pregnant travellers before booking your getaway.

Senior travellers

Now that you have retired and your family have flown the nest, your ‘golden years’ are an ideal time to see the world. Start with domestic destinations that you have always wanted to see. At Cover-More, we can provide quality seniors travel insurance if you are younger than 99 years old. Just remember that reduced limits may apply for travellers over 70 years of age. Have a chat to us about coverage options by calling 1300 72 88 22 or get a quote online.

beach huts

Rental car insurance excess cover

A great way to see Australia is by hitting the road! For your next domestic holiday, you may want to consider hiring a rental car. Our Domestic Plan automatically provides up to $4,000 cover if you become liable to pay a rental car insurance excess. You can increase this coverage limit up to a further $3,500 by paying an additional premium.

This cover applies if you:

  • Hire a rental car;
  • Are the nominated driver on the rental car agreement;
  • Are in control of the vehicle in the instance it is damaged or stolen; and
  • Have comprehensive motor vehicle insurance for the rental car during the hire period.

At Cover-More, we will cover the rental car excess up to the policy limit; you may not have to pay an extra fee to the rental car company to reduce your excess. This means more money in your pocket to spend while on holidays!

Please keep in mind that under our Cover-More plans we will not pay for:

  • Any damage or theft, arising from the operation of a rental car in violation of the terms of the rental agreement.
  • Any damage sustained to a rental car while being driven on an unsealed road.
  • Administration costs or loss of use penalties.

We strongly encourage you to read the Product Disclosure Statement so you are aware of what is included in the plans.

Frequently asked questions

Mishaps and events outside of your control can happen as easily in Australia as they can while you are on holidays overseas. You can get cover for luggage and travel documents, rental car insurance excess, additional expenses, and amendment or cancellation costs.

No. The costs for medical treatment, dental treatment or ambulance transportation provided in Australia are not covered under the Domestic Plan or Domestic Cancellation Plan. Travel insurance providers are unable to provide cover for medical expenses incurred within Australia by an Australian resident or eligible overseas representative. The exception is for domestic cruises, where unforeseen medical expenses on board a cruise ship may be covered if you have selected Domestic Cruising for the area of travel and included the Cruise Cover option in your policy.

A $50 excess applies to the Domestic Plan. You are not able to change this amount. If you have selected a Domestic Cruise policy, you can choose an excess of $0, $100 or $250. The higher the excess you pick, the lower the premium. An excess is the first part of a claim that we will not pay. The excess amount is applied to each separate claimable event.


Check out our dedicated FAQs for Domestic Travel Insurance for more information!

Contact us

Feel free to get in touch with us if you would like to discuss coverage options for your domestic holiday. Give our team a call on 1300 72 88 22 or get a travel insurance quote online. Happy travels!