Domestic travel insurance FAQs

Mishaps and events outside of your control can happen as easily in Australia as they can while you are on holidays overseas. With domestic travel insurance cover, you can be protected against lost luggage and travel documents, rental vehicle insurance excess costs, additional expenses, choose your cover for amendment or cancellation costs, and more.

Excess is the first part of a claim that we will not pay. The excess amount is applied to each separate claimable event. The excess applies to certain benefits only.

As a Cover-More domestic policyholder, a $50 excess applies to each claimable event. Other excess amounts may be available. The higher the excess you pick, the lower the premium.

No. The costs for medical treatment, dental treatment, or ambulance transportation provided in Australia are not covered under any of our Cover-More Domestic Plans. Travel insurance providers are unable to provide cover for medical expenses incurred within Australia by an Australian resident or eligible overseas representative.

Unforeseen medical expenses on board a cruise ship may be covered if you have selected Domestic Cruising for the area of travel and you answered “Yes” to travelling on a cruise for two or more nights.

In this case, you will be able to choose from one of our International Plans to provide cover for overseas medical expenses (including those you may incur on a domestic cruise ship).

There is no cover for medical expenses if you are able to claim the expenses from Medicare or your private health insurance.

At Cover-More, we offer three different domestic travel insurance plan options to suit the varying needs and budgets of Australian travellers:

1. Domestic Comprehensive+
2. Domestic Comprehensive
3. Domestic Basic

You can choose the best domestic travel insurance plan for your trip, as well as include additional protection, such as Snow Sports Cover, Motorcycle/Moped Riding Cover, and Adventure Activities Cover.

If you’re looking to protect your trip with Cover-More travel insurance cancellation cover, you can select a suitable level of cancellation cover while generating a quote for an additional premium. This can be added to all our domestic travel insurance plans.

For a side-by-side comparison of our domestic travel insurance plans, visit our domestic travel insurance page. Always read the PDS before you consider purchasing travel insurance.

As a Cover-More domestic policyholder, if your journey takes you 250 kilometres or more from your place of residence, cover for your trip can be provided up to the trip duration you have selected.

If your journey is less than 250 kilometres from your place of residence, cover for your trip can be provided up to the trip duration you have selected if you are staying in paid accommodation for at least one night and the accommodation is booked with a supplier (i.e. a hotel) or provider (i.e. an Airbnb).

If you’re a frequent traveller, you may wish to consider an Annual Multi-Trip policy for your domestic travel insurance. Annual Multi-Trip policies are available on our Domestic Comprehensive and Domestic Comprehensive+ plans.

This type of policy provides coverage for an unlimited number of domestic journeys within a 12-month period, as long as each journey is more than 250 kilometres from your place of residence – or includes one or more nights of paid accommodation with an accommodation provider or supplier if the journey is under 250 kilometres – and each individual trip does not exceed the maximum duration selected.

Limits, exclusions, and conditions apply. Check the PDS when considering if our Domestic Annual Multi-Trip policy is right for you.

Our Cover-More domestic plans are available for purchase for those up to 99 years of age or younger, subject to acceptance criteria at the time of buying the policy, destination, and trip duration.

Give us a call on 1300 72 88 22 and our team will see what coverage is available to you.