What does a Domestic Travel Insurance policy cover?
Domestic travel insurance can cover you for a wide array of travel disruptions. The specific coverage and coverage amounts will be determined by what level of cover you select. At Insure&Go, you have the ability to choose between three different coverage levels which include our Bare Essentials, Silver, and Gold policies. Depending on the policy you choose, the following coverage may apply to you.
Please note: Not all our policies cover domestic travel. For example, the ‘One-trip’ and (when available) the ‘Annual Multi-trip’ policies do not cover domestic travel in Australia. Please ensure that you select the right policy/policies for your needs.
- Cancelling your trip before departure: Should the need arise where you must cancel your holiday for one of our covered reasons, we can help to recover the costs associated with flights, accommodation, and pre-paid meals and activities. Covered reasons for needing a trip cancellation include events like the unforeseeable death or illness of a family member or travelling partner that resides in Australia, being called for jury duty, or an accident involving a vehicle you were planning to travel in.
- Cutting your trip short: We may be able to provide coverage if you are deemed unfit to continue with your holiday by a doctor, or for an unforeseen tragedy such as a death or illness in the family which occurs during your trip. If your trip is cut short due to a natural disaster, you may also be covered if you have purchased our natural disaster travel insurance upgrade.
- Resumption of your trip: Insure&Go can return you to the airport closest to the location where you had to cut your original trip short and cover the cost of the airfare necessary to resume your trip for certain covered circumstances.
- Travel delay expenses: If a leg of your trip is delayed by more than 12 hours, you may be reimbursed for any necessary additional expenses such as meals and accommodation.
- Personal belongings and baggage: If your personal effects are lost, stolen, or damaged during your trip, you may be covered for any such items so long as you aren’t careless in securing or protecting those items. Coverage amounts for personal belongings will vary depending on your level of coverage. You may also be covered for any personal money that is lost or stolen so long as you can provide proof of ownership.
- Delayed baggage: If your luggage is delayed by more than 24 hours, we can help recover the costs associated with buying essential items to get you through until your bags arrive. Be sure to keep all documents from airlines that prove your bags were delayed for more than 24 hours and retain your receipts associated with any essential items you purchased. There is generally no coverage provided for delayed baggage if it occurs during your final journey home.
- Personal liability: All three of Insure&Go’s policy coverage levels provide coverage for personal liability. This covers you in the event you become legally liable for accidentally injuring someone or damaging someone else’s property during your trip.
- Rental car excess waiver: If your rented vehicle is involved in a motor vehicle accident while you are driving, or the vehicle is damaged or stolen, you may be reimbursed for the rental car insurance excess that is charged to you by the rental car company, subject to the level of cover selected and limits that apply.
Additional coverage that a domestic travel insurance policy may cover includes reimbursement for legal expenses and additional emergency expenses. You may also be covered for a wide range of sports and activities so long as they are not associated with a competition or tournament, you follow the necessary safety guidelines, and you make use of the recommended safety equipment.
Covered activities may include but are not limited to netball, cricket, snorkelling, cycling, and surfing. See our Domestic Travel Insurance Product Disclosure Statement (PDS) for a full list of covered sports and activities.
What does a domestic travel insurance policy NOT cover?
While Insure&Go’s domestic travel insurance policies provide a great deal of coverage for your Australian holidays, there are things that you won’t be covered for. Some coverage options are only available to certain levels of coverage such as with our Silver or Gold policies, while other situations may not be covered under any level of coverage. These are some of the situations where we may not be able to provide coverage for you.
- Our policies do NOT provide coverage for medical expenses incurred during your trip. You may find coverage through Medicare or your private health insurer. However, we do offer limited compensation for permanent disablement or death with our Silver and Gold policies.
- Changing your mind about a holiday and deciding you simply don’t wish to travel.
- Recovering costs that would not have been incurred had you notified the appropriate holiday company or tour operator as soon as you knew you had to cancel your trip.
- Engaging in sports or activities that are not covered, including but not limited to abseiling, shark diving, quad biking, or zip lining. Read our Product Disclosure Statement (PDS) for a full list of sports and activities that are generally not covered.
- If you have certain pre-existing medical conditions that may give rise to a claim, or you are receiving or waiting for hospital tests or medical treatment for any condition or set of symptoms that have not been diagnosed.
- You decide to travel against the advice of your doctor.
- Claims arising from the use of a two-wheeled or three-wheeled motor vehicle.
- Claims arising from an event where you were involved in any deliberate, malicious, reckless, illegal or criminal act.
- Costs that you would have been expected to pay had the reason for the claim not occurred.
- Claims where alcohol or drug use may have been a contributing factor for an event that led to the claim.
To gain coverage for things like winter sports, business, natural disasters, or cruises within Australia, you must purchase the appropriate Insure&Go insurance upgrade option. The upgrade option must be shown on your policy schedule.
Levels of domestic cover
Insure&Go offers three levels of domestic travel insurance cover, including our Bare Essential, Silver, and Gold policies. Be sure to read our Product Disclosure Statement, for more information and full details regarding each level of cover.
