Travel Insurance for Domestic Trips
Travel trips are all about making memories and enjoying rewarding experiences, but accidents can happen while you’re off having adventures. This is true whether you're heading abroad or exploring Australia. Having the right insurance policy provides peace of mind when travelling in Australia by offering some financial protection against unexpected circumstances.
Other trip types
Cruising
Backpacking
Why Do I Need Domestic Travel Insurance for an Australian Holiday?
It's important to consider protecting your Australian holiday with the right level of coverage: domestic travel insurance can help protect you from unexpected events or circumstances that may arise during your trip, including:
What happens if:
- Trip cancellations or delays
- Medical emergencies
- Lost or stolen luggage
- Accidental injury or death.
All of these scenarios can ruin a trip. All of them rarely occur. All of them can happen.
A domestic travel insurance policy can offer financial protection if things go wrong during your domestic trips
How Do I Know Which Plan Is Right for Me?
Consider the following when choosing the right domestic travel insurance plan:
- Coverage – Ensure you tell us about the activities you are participating in. Confirm your policy provides cover for activities like skiing, renting a car, or motorcycling.
- Cost – Get a quote for a domestic travel insurance policy that you can customise to your travel requirements and budget.
- Exclusions and conditions – Review the fine print. At WAS, we are transparent about what's included and excluded within your insurance plan.
At WAS, we offer a range of policies to help you choose the right plan for your unique travel needs.
What's Covered through Domestic Travel Insurance?
Each policy is different and allows you options to suit your travel plans. You may be looking for cover for a range of possible scenarios for your Australian holiday:
- Trip Cancellation - You get an unexpected illness that means you need to cancel your hiking trip to Tasmania.
- Lost Luggage - An airline loses your baggage on your flight to Sydney.
- Rental Vehicle Excess - Your rental car is written off in a third-party accident in Melbourne.
- Accidental Injury - You have a fall while skiing near Victoria, cutting short your trip.
Domestic travel insurance can cover various scenarios and may provide financial assistance for these events, as well as other unforeseen circumstances. Review the full details in your policy to ensure you're adequately covered, particularly if you have pre-existing medical conditions.
Note: Not all benefits apply and will depend on whether you have selected them (and they are reflected on your Certificate of Insurance). Terms, conditions, exclusions, sub-limits, and limits apply. Please read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for further details.
FAQs About Domestic Travel Insurance
Browse answers to the most common questions we get asked about domestic travel insurance
No. Domestic travel insurance products in Australia typically do not cover medical expenses as these are generally covered under the government’s Medicare regime (publicly funded universal health care insurance scheme). Note that hospital and clinic fees may still apply, depending on the circumstances.
Suppose your travel plans are unexpectedly cancelled or delayed due to covered reasons such as severe weather or unexpected personal illness. In that case, a domestic travel insurance policy may help cover amendment or cancellation costs. It's crucial to read your policy's Product Disclosure Statement (PDS) to understand the specific sub-limits and conditions that apply to your cancellation cover.
Domestic travel insurance may cover the rental vehicle insurance excess if you have selected the Rental Vehicle Excess add-on and your rental car is damaged or written off in an accident. Be sure to check that the policy aligns with the rental vehicle agreement to confirm you have appropriate protection relating to rental car excess.
Yes, domestic travel insurance can provide coverage for:
- Lost luggage
- Stolen luggage
- Damaged luggage and personal effects
- Lost travel documents
Ensure you review your policy for any sub-limits or exclusions regarding specific items.
In certain cases, your policy may cover additional accommodation expenses. This coverage can apply if you're stranded due to unforeseen events like flight delays or severe weather. Check your domestic travel insurance policy for specifics on coverage limits and conditions. Don’t forget that you can always call our emergency assistance team 24/7 for guidance.
Yes, WAS won’t cover all activities. Review your policy's exclusions and ensure that your planned activities, such as snow sports, are not listed as excluded in the Product Disclosure Statement (PDS). We can provide cover for certain adventure activities, as noted in the PDS.