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Is domestic travel insurance important

When you think about it, pretty much anything that happens overseas can also happen in Australia. If that’s the case, why wouldn’t travel insurance be as important at home as it is abroad?

So what does domestic travel insurance cover? We’ve highlight the major areas below. If you’re going on a trip, you might want to think about whether domestic travel insurance could help you out if you got in a tight spot.

Lost luggage

We generally think of lost luggage as something that’ll happen after a long haul flight, but in reality it can happen just as easily on a Sydney-Melbourne hop or a Perth to Brisbane red-eye.

As with international travel insurance, a domestic policy will generally cover you up to a set amount (if you’re travelling with valuable items, it pays to check any limits on these and opt for additional cover if needed).

Cancellation cover

Flights can just as easily get cancelled in Australia (just think about how unpredictable the weather can be and how that can cause havoc on flight schedules).

Unfortunately, just like anywhere else in the world, a cancelled flight can have a series of knock on effects for other bookings such as accommodation - often with cancellation fees to match.

Being unable to travel on a domestic trip because of ill health or any other misfortune is also a possibility to consider, just like you would for an international trip.

With cancellation cover, you’ll generally be covered if you have to cancel or postpone your trip due to situations outside of your control for flights, accommodation and other bookings.

Rental car cover

Although rental car companies offer insurance, it generally comes with a hefty excess. Most domestic travel insurance policies include rental car cover that can reduce the excess and potentially reduce the cost of vehicle rental.

Loss or theft of personal items

Having your bag stolen or laptop pinched while on holidays is not restricted to certain countries or areas, it can happen anywhere (the same goes for your wallet and cash). Once again, domestic travel insurance can help protect your belongings while you’re away.

Domestic cruise cover

If you’re going on a cruise between Australian ports, you may not be covered by Medicare. That’s because even though you won’t be leaving Australian waters, the doctor on board the ship may not be Medicare-accredited. In that case, you could be left with a hefty bill for on-board treatment.

To counteract this, cruise pack insurance is offered by many insurers in addition to domestic travel insurance.

Find out more about  cruise insurance

Weighing up if it suits your needs

Of course, choosing to take out insurance for a domestic trip is something you’ll need to consider with your own personal needs and circumstances in mind. Please consider the Product Disclosure Statement (PDS) of the specific product you are considering for details of cover and any exclusions that may apply.

Things you should know

Travel Insurance is issued by AGA Assistance Australia Pty Ltd ABN 52 097 227 177 (trading as Allianz Global Assistance), as agent for the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 (Allianz).  Westpac Banking Corporation ABN 33 007 457 141 arranges the insurance as agent of Allianz, but does not guarantee the insurance.  Policy terms, conditions, limits and exclusions apply. This information does not take into account your personal circumstances. Read the Product Disclosure Statement (PDF 817KB) to see if this insurance is right for you. Call 1800 502 077.

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