What is domestic travel insurance?
Medibank Domestic Travel Insurance is designed for trips taken within Australia, providing cover for luggage and personal effects, rental car insurance excess, cancellation due to certain unforeseeable circumstances, and more. You can also choose to add cover for activities such as snow sports and to increase your luggage item limits.
Terms, conditions and exclusions apply, read PDS for more information.
Do I need domestic travel insurance?
While domestic trips are closer to home, it presents some of the same risks to travellers as travelling overseas. Trip cancellation, lost luggage and rental car accidents can easily happen while travelling throughout Australia. Domestic travel insurance provides a level of cover against incidents that can derail your trip.
Cancellation & amendment cover
Up to $10k cover for cancellation due to certain unforeseen circumstances (option to upgrade to $Unlimited).1
Cover for luggage and personal effects
Includes up to $15k cover for lost, stolen or damaged valuables such as luggage, laptops, cameras and certain personal items.2
15% discount for Medibank or ahm members
If you're a Medibank or ahm health member, you can save 15% on travel insurance.
Multi-award winning travel insurance
We're proud to be winners of Mozo's Experts Choice Awards in 2022 & 2023 and Mozo's People's Choice Award in 2024.
| Inclusion | Amount |
|---|---|
| Cancellation and Amendments Cancellation and amendment fees when your travel arrangements change due to certain unforeseen circumstances such as a family emergency. |
✔ $10,0001$Unlimited1 (additional cost) |
| Additional Expenses Inclusions for specific additional expenses, including accommodation and transport expenses if you get sick and can't complete your journey. |
✔ $10,0003 |
| Luggage and Personal Effects Generous inclusions for luggage and personal effects with only $50 excess, so there's cover for your items while you're exploring Australia. |
✔ $15,0002 |
| Rental Car Insurance Excess Hire car insurance excess cover up to $10,000. |
✔ $10,000 |
| Travel Delay Expenses Cover for out-of-pocket accommodation and transport expenses resulting from delays outside of your control. |
✔ $2,0004 |
| Loss of Income In some cases, where you’re injured during your trip and unable to return to work, we’ll help for up to 6 months while you’re getting back on your feet. |
✔ $2,0005 |
| Permanent Disability If you have an accident that permanently affects your sight or the use of your limbs, we may be able to offer financial assistance. |
✔ $10,0005 |
| Accidental Death A benefit payable in the event of your death, to your estate if your death is the result of an injury caused by violent, accidental, visible and external means. |
✔ $10,0005 |
| Personal Liability Depending on the circumstances, we may be able to help pay the compensation you become unintentionally legally liable for if you damage someone's property or person. |
✔ $5,000,000 |
All Medibank Travel Insurance policies have some COVID-19 cover included as standard. Learn more.
For full terms and conditions, limitations and exclusions, please read the Product Disclosure Statement (PDS)
Why choose Medibank Domestic Travel Insurance?
Maximum $50 excess
For Medibank Domestic Travel Insurance plans, you'll only have to pay a maximum of $50 excess if you claim on your policy.
Free cover for children
Any accompanying travellers under the age of 18 can be included on your policy for free.6
Emergency assistance whilst travelling
We're here to help if the unexpected happens with 24/7 emergency assistance.
Additional options
For an additional premium, you can add additional cover for certain activities like cruises, snow sports, moped riding7 or increase the item limit for high value belongings.
Insurance for snow sports
Cover for skiing, snowboarding or snowmobiling is not automatically included in your policy. If you wish to have cover for these snow activities during your trip, then you’ll need to purchase cover for snow sports.
Conditions and exclusions apply to snow sports cover (e.g. you must not be participating in the activity in a professional capacity). See the PDS for full details.
Motorbike and moped cover
If you're planning to use a motorcycle or a moped during your travels, then you'll need to select moped/motorcycle cover option to be able to claim for incidents related to driving or riding on a motorcycle/moped.
Conditions and exclusions apply for motorcycle/moped cover (e.g. you must wear a helmet, the engine capacity must be 250cc or less). See the PDS for full details.
Increase your luggage insurance
If you're travelling with an item that is worth more than the limit shown in the PDS, then you can increase the item limit cover (on a per item basis) by specifying the item and paying an additional premium for the increased cover. Some examples of valuable items include camera equipment, jewellery, watches and phones.
Refer to the PDS for full details of luggage cover, limits and exclusions.
Going on a cruise?
If you’re travelling on a multi-night cruise that takes you from one Australian port to another, then you’ll be leaving Australian coastal waters. This means that you’ll need to purchase an International Plan and add Cruise Cover to receive benefits payable under the policy.8
Simply enter your destination as “Domestic Cruise” and Cruise Cover will be pre-selected when building your travel insurance quote.
Travelling multiple times in a year?
For frequent travellers, an Annual-Multi-Trip plan could save time and money. By purchasing a Medibank Annual Multi-Trip Plan, you'll be able to take an unlimited number of trips provided you're travelling within your selected area of insurance and each trip is not longer than the maximum trip duration9 you've selected.
Frequently asked questions (FAQs)
Things you should know
1 Conditions and sub-limits apply. See the Combined FSG/PDS for more information. For an additional premium Cancellation cover can be upgraded to $Unlimited on the Domestic Plan. Cancellation cover limit applies per policy.
2 Item limits and sub-limits apply. See the Combined FSG/PDS for terms, conditions and more information.
3 Limits and sub-limits apply. See the Combined FSG/PDS for more information.
4 Sub-limits apply. See the Combined FSG/PDS for more information.
5 Maximum liability collectively for sections Loss of Income, Personal Liability and Accidental Death is $10,000 on the Domestic Plan. Limits will be shown on the Certificate of Insurance.
6 Cover is included for anyone under 18 years of age who is identified on the Certificate of Insurance and travelling with you on your Journey.
7 Conditions and exclusions apply. See the Combined FSG/PDS for more information.
8 You must take out an International Plan and add Cruise Cover if you're travelling on a domestic or international multi-night sea or ocean cruise to have any cover for the benefits under the policy. Unless your cruise is entirely within Australia (e.g. a Kimberley Cruise which falls entirely within Australian coastal waters) in which case a Comprehensive Domestic plan may be purchased and no cruise cover variation is required.
9 Cover is limited to a maximum duration of up to 30, 45 or 60 days for international trips or 15 or 30 days on domestic trips depending on the duration choice you make.
Limits, sub-limits, exclusions and conditions apply. This is general advice only. Medibank Private Limited, ABN 47 080 890 259, an Authorised Representative, AR 286089, of Travel Insurance Partners Pty Limited, ABN 73 144 049 230 AFSL 360138 arranges the insurance on behalf of the insurer. The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507. Please consider your own needs and the Combined FSG/PDS to decide if this product is right for you. For information on the Target Market and Target Market Determinations, visit medibank.com.au/travel-insurance/help/