What's Covered by Domestic Travel Insurance?
- Amendment or cancellation costs (e.g. for non-refundable, prepaid travel and accommodation expenses) - Up to $5,000 (or the amount you choose) per policy
- If you are diagnosed with COVID-19 self-isolation expenses if you are too sick to travel – Up to $5,000
- Luggage and personal effects (e.g a phone, smart watch or laptop) – Up to $5,000 (sub-limits apply)
- Travel delay and missed connections
- Personal liability
- Activities (e.g. surfing, bungee jumping, zip lining)
What's Not Covered by Domestic Travel Insurance?
- Amendment and cancellation costs due to COVID-19**
- Any medical, dental or hospital expenses, including COVID-19 related medical expenses, in Australia.
- Adventure activities (e.g. skydiving, water skiing)**
- Snow sports (e.g. skiing, snowboarding)**
- Motorcycle/moped riding**
**Cover is available to buy via options to vary cover. Additional premium applies.
Medical cover will not exceed 12 months from onset. Terms, conditions, limits, sub-limits and exclusions apply. Please check the Combined Financial Services Guide and Product Disclosure Statement for further details.
Hospital and Medical Expenses
Unlike our international travel insurance policies, our Domestic policy does not cover
medical expenses during your domestic trip.
This is because hospital and medical expenses are already claimable in Australia either
from Medicare or your private health fund.
Adventure and Sport Activities
We cover a range of adventure activities when you're travelling, including surfing, bungee jumping and zip lining. This means you can experience the activities you love, while you're travelling overseas or interstate. Please read the Combined FSG & PDS to for the full list of activities you can be covered for.
Some adventure activities and snow sports may not be automatically included in the cover.
Cover is available as optional extras for an additional cost. This includes certain adventure activities, snow sports and motorcycle/moped riding.
Snow Sports Cover
There are two levels of Snow Sports Cover:
Snow Sports includes On-Piste snow skiing, snowboarding and snowmobiling, and cross-country skiing only.
Snow Sports+ includes everything covered in Snow Sports, plus Off-Piste snow skiing and snowboarding (conditions apply) as well as heli-skiing/boarding.
See the full list of snow sports included in Snow Sports and Snow Sports+ cover.
Adventure Cover
There are two levels of Adventure Cover:
Adventure cover includes paragliding/parascending/parasailing (over land), sailing, water skiing and more.
Adventure+ includes everything covered in Adventure, plus BMX riding, horse jumping, trekking the Kokoda track and more.
See the full list of activities included in Adventure and Adventure+ cover.
Motorcycle/Moped Riding Cover
With two levels of cover available, Motorcycle/Moped Riding covers riding a motorcycle or moped with an engine capacity of 250cc or less while Motorcycle/Moped Riding+ insures unlimited engine capacity. Conditions apply.
Terms, conditions, limits, sub-limits and exclusions apply. For full details, please read the Product Disclosure Statement (PDS).
Upgrade Your Domestic Travel Insurance Cover
For an additional premium, you can customise your insurance when you add one or more of the following covers to your Domestic Travel Insurance policy:
Increase Cancellation Cover
You can increase your cancellation cover to avoid being out of pocket for all your non-refundable travel expenses.
At the time of applying, people usually choose an amount that will cover all their prepaid travel tickets, hotels, tours or other travel related expenses.
This benefit is excluded from our Basic policy.
Please note that COVID-19 Amendment or Cancellation Costs cover is available for you to buy as a separate option as well.
Increase Luggage Item Limit
If you’ll be travelling with valuable items in your luggage, you can choose to increase the limit of each valuable item on your travel insurance plan by paying an additional premium (maximum limits and item limits apply).
Examples of items you can choose to insure:
Camera, lenses, tripods and camera accessories
Jewellery (including necklaces, engagement rings and pendants)
Smart phones
Make sure you have the receipts and valuations of these items readily available, as you’ll need this if you need to make a claim.
COVID-19 Amendment or Cancellation Costs
You can insure your trip with the optional COVID-19 Amendment or Cancellation Costs cover. If you or your travelling companion are diagnosed with COVID-19 before your trip and are considered unfit to travel by a medical professional, your non-refundable prepaid tickets, hotels, tours or other expenses (up to a limit based on your policy) will be covered by Budget Direct.
By selecting this policy you will also be covered if you or your travelling companion are diagnosed with COVID-19 by a medical professional during your trip and cannot continue to travel.
Additional scenarios are also included. Please read the Combined FSG/PDS to learn what you'll be covered for.
This benefit is excluded from our Basic policy.
Domestic Travel Insurance FAQs
Does Budget Direct Domestic Travel Insurance cover cruises in Australian waters?
When selecting a quote for your cruise trip, choose ‘Australia - Domestic Cruise’ for cruise cover in Australian waters.
By selecting this option, Cruise Cover is automatically included in your policy. This means your level of cover is higher than the Budget Direct Domestic Travel Insurance cover and you’ll receive more benefits such as $Unlimited* overseas medical expenses benefits, including COVID-19 related medical expenses.
If you’re flying to your cruise departure location, make sure the Domestic policy begins early enough to cover any flight cancellations before and after your cruise.
Does Domestic Travel Insurance cover delayed intrastate and interstate flights?
Your Domestic travel insurance policy, includes Travel Delay as a benefit and can cover your reasonable additional accommodation expenses if your outward or return flight is delayed for at least 6 hours for circumstances outside your control.
No cover is available for claims arising from pandemics, epidemics or insolvency of travel service providers under this benefit.
We can pay you up to $300 for every full 24 hours you’re held up beyond the initial 6 hour delay, up to $1,000 with an Essential or Domestic plan.
We can also pay for alternative transport to get you to a planned event (for example, a wedding, funeral, conference, or sports fixtures) you would otherwise miss due to your scheduled transport being delayed (or cancelled, shortened or diverted) due to an insured event. Limits apply.
Make sure you get a written statement from the relevant transport company or authority confirming the reason for the delay and how long it lasted.
Do the benefit amount limits apply to each family member (or travelling party member) or to the family (or travelling party) as a whole?
The benefit amount limits are the most we’ll pay each insured person per trip, except cancellation cover which applies per policy.
For example, if a family of five has Domestic cover and all five of them have their luggage stolen, we’ll pay them up to $5,000 each (minus the applicable policy excess and taking into account limits and sub-limits).
