Travel insurance gives you peace of mind and lets you relax, buying it online lets you save

Insurance Coverage for Domestic Travellers

Many Australian travellers tend to neglect to purchase the necessary insurance coverage for planned in-country excursions. Don’t let this happen to you. Such coverage is important in a wide variety of vacation-related situations, such as lost luggage, cancellation fees, and even when excess insurance is needed in the case of an accident in a rental vehicle. Domestic Australian travel insurance isn’t like other types of insurance—for instance, it doesn’t cover medical expenses or hospital stays—however, it does provide priceless peace of mind to travellers who wish to ensure that a carefully planned holiday doesn’t ever go awry.

Insurance Inclusions and Exclusions

Each domestic-travel insurance plan varies in terms of its inclusions and exclusions. These will depend upon the individual plan and provider you select to carry your travel insurance. Be sure to peruse the product disclosure statement carefully in order to become fully informed of the circumstances affecting your policy. When you do, look for the following inclusions, they are standard for domestic travel insurance:

Vehicle Rental

When renting or leasing a vehicle, it is more economical if you have domestic travel insurance. Most rental companies offer the option of leaving you responsible for a deductible in the case of an accident, or eliminating the deductible for an additional daily loading fee. But travel insurance covers that daily loading fee and actually costs less. So if you are renting a vehicle when travelling, ensuring that your travel insurance is in place will save you money instantly. 

Protection for Your Electronics

These days, when many travellers consider a digital camera, video camera, and notebook computer to be essential items for working, living, and communicating on-the-go, it is more essential than ever to protect these investments with travel insurance. Other items in your luggage are also protected in the case of loss or damage, and this can be an invaluable aid when you have deadlines to meet and planes to catch, but find yourself the victim of loss or theft. With travel insurance, you can rest assured that cancellation fees will not be a bother, although non-refundable deposits are still at risk. Additionally, issues of legal liability will never pester you as long as you travel with insurance.

Single Trip Insurance versus Annual Insurance

Selecting the right insurance for your needs is important. While some travellers prefer to buy domestic travel insurance for each individual voyage, others travel so often that it makes more sense for them to buy annual multi-trip insurance. Annual multi-trip insurance tends to cover both international and domestic trips for a full year and up to a pre-set maximum time allotment per trip. In either case, the benefits depend upon the particular exclusions, conditions, and policies of that company. Be sure to carefully peruse the product disclosure statement for the insurance that you purchase.

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Private picnic on the beach at Shangri-la's Villingili Resort