Domestic Travel Insurance

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Or apply over the phone on 1300 467 872

Important travel alert: Our travel team is currently experiencing high call volumes and waiting times. If you need to make a travel claim, we encourage you to do so online. Our Travel Insurance policies do not cover claims related to COVID-19, read our FAQs or Smartraveller.

Domestic Travel Insurance

If you're planning a domestic trip we offer a Domestic Plan. Our Domestic Plan provides cover for cancellation fees and loss of deposits, as well as providing coverage for other misfortunes like travel delays or lost luggage, subject to the policy's terms and conditions.

Domestic Plan in brief*

Our Domestic Plan has built-in benefits you may need for better peace of mind when you travel. These include $3,000 cover for lost or damaged luggage, $5,000 coverage for cancellation fees and up to $10,000 cover for the other additional expenses you might incur if something goes wrong*. And if you’re buying cover as a family, many of these benefits limits are doubled. Please refer to the table of benefits for information on these limits.

All sorts of things can happen when you're on the move, and if you accidentally hurt someone or damage their property you could be liable for thousands of dollars in damages. Our Domestic Plan comes with built-in personal liability cover of up to $1M, so you can enjoy your travels with increased peace of mind.

All our travel insurance products have a 14 day cooling off period, so if you change your mind you can simply cancel your policy and get a full refund, provided you haven't commenced your journey and you haven't made, and don't intend to make, a claim or commenced your trip.

* See PDS for full details of terms and conditions and limits, sub-limits and exclusions that apply

If you're planning a trip within Australia, our Domestic Plan is a travel insurance plan that offers great protection at a great price, providing simple, quality cover whilst you explore your country.

Policy Benefits

Our travel insurance is quick and easy to arrange. Get an instant quote online and have your cover in place within minutes. You’ll have immediate coverage in case you have to cancel your travel plans due to illness or an incident (subject to the policy’s terms and conditions), and the rest of your cover will kick in automatically on the start date you choose.

We want to give you better peace of mind, so we’ve tried to pack everything a domestic traveller might need into our travel insurance. We provide cover for the obvious costs like cancellation fees and lost luggage, as well as for personal liability while you’re travelling.

If you’re heading to the snow or off on a cruise, you can easily get the extra cover you might need for misfortunes like bad weather or cabin confinement, by purchasing the additional Snow Pack or Cruise Pack for an extra premium.

If something does happen on your trip you need an insurance company who will make things easier. That’s why we’ve made our claims process as straightforward as possible.

This table gives you a broad overview of the benefits included with your Domestic Plan policy. Check out the Product Disclosure Statement (PDS) for full terms and conditions, and exclusions and limits that apply. The below table sets out the maximum amount payable for all claims combined under each policy section.

Benefit Type Single / Duo (per person) Family
Cancellation Fees and Lost Deposits* $5,000*
(Sub-limits apply)
(Sub-limits apply)
Additional Expenses* $10,000*
(Sub-limits apply)
(Sub-limits apply)
Travel Delay Expenses* $1,000*
(up to $200 per day)
(up to $200 per day)
Luggage and Personal Effects* $3,000*
(Sub-limits apply)
(Sub-limits apply)
Rental Vehicle Excess* As selected*
(Sub-limits apply)
As selected*
(Sub-limits apply)
Personal Liability $1,000,000 $1,000,000

* Sub-limits apply. Please refer to the 'Your Policy Cover' section of the Combined Financial Services Guide and Product Disclosure Statement for further information.

How to Apply For Cover

It's quick and easy to apply for travel insurance from 1300 Insurance. Simply call us on 1300 Insurance (1300 467 872) or click here to get an instant online quote. Your insurance cover will start as soon as we accept your application and send you your policy document, subject to the policy's terms and conditions.

Get a quote Phone us on 1300 467 872

Important Policy Information

Terms, conditions, limits and exclusions apply to this policy. Please refer to the Product Disclosure Statement for full details of the cover provided.

Download Policy Documents

Policy Exclusions

Our travel insurance offers cover against many of the risks you may face when you travel. However, it does not cover every circumstance or expense and we have some exclusions. See the Product Disclosure Statement for full details.

1. How far in advance can I buy my travel insurance policy?
2. I am currently overseas and have no insurance - can I still purchase a policy?
3. Am I covered if I work overseas?
4. If I return from my journey early, do I get a refund?
5. What do I do if I think I may have a pre-existing medical condition?
7. What happens if I purchase my travel insurance policy and a new medical condition develops? Would I need to pay an additional premium?
8. What if it is an emergency?
9. Do I have to pay the bill for medical claims and claim when I get back?
10. Do I have to complete the “Medical Certificate” of the Claim Form?
11. I am away for a couple of months - do I have to wait until I am back in Australia to claim?
12. What is the excess?
13. What happens after I have been evacuated to Australia?
14. What do I need to provide to make a claim for my luggage and personal effects?
15. How am I assured of a fair decision when making a claim?

Have a question that you'd like us to answer?

1300 Insurance Pty Ltd ABN 50 124 845 727 AR no. 327609 arranges this insurance as authorised representative for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Travel insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA) for the insurer Allianz. Terms, conditions, limits and exclusions apply. Allianz and AGA do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Because of that, you should consider whether the advice is appropriate for you. Before making a decision please consider the Product Disclosure Statement. If you purchase a policy, we receive a commission which is a percentage of your premium - ask us for more details before we provide you with services.