Domestic Travel Insurance
Protect Trips Closer to Home with Domestic Travel Insurance
Planning a holiday or work trip within Australia? Tick Travel Insurance offers domestic travel cover that can help protect you from unexpected mishaps.
We're backed by global emergency assistance provider Europ Assistance, and we've been recognised with multiple Feefo Platinum Trusted Service Awards for customer satisfaction.
Tick helps take the hassle out of travel, even when you're staying local. Our domestic travel insurance can cover things like cancellations, lost or stolen luggage, and rental car excess.
Our policies offer simple, affordable options and easy online claims.
What is Domestic Travel Insurance?
Domestic travel insurance protects you against unforeseen circumstances during trips within Australia.
While Medicare or your private health insurance may provide cover for certain medical treatments in Australia, domestic travel insurance adds another layer of protection by covering other elements of your trip. It helps shield you from costs related to trip cancellations, personal items and luggage, personal liability and more.
Tick’s domestic travel insurance is designed to keep things simple and transparent. This means you can travel within Australia with less worrying about the “what-ifs”.
What are the Key Benefits of Our Domestic Travel Insurance Policies?
Many Australians overlook travel insurance for domestic trips. But unexpected events can occur anywhere.
Subject to sub-limits, terms, conditions or exclusions, Domestic travel insurance could be a lifesaver in the event of:
- Trip Cancellation: Life doesn’t always go as planned. If you fall ill, experience a family emergency, or face a natural disaster, cancelling your trip could leave you out of pocket. Tick’s domestic travel insurance can reimburse you for already paid non-refundable accommodation and transport costs. Depending on the policy you choose, you can be covered for up to $20,000 in cancellation expenses.
- Trip Cancellation Due to Covid-19: If you fall ill with Covid-19 and need to cancel or reschedule your trip, we can cover you for up to $2,500. This benefit is available on our Standard and Top domestic travel insurance plans.
- Rental Vehicle Excess: Road trips are a classic Australian experience, but accidents can happen. Damage to rental vehicles could leave you having to pay a high excess. Our domestic travel insurance can cover you for up to $4,000 rental vehicle excess costs, saving you from a financial headache.
- Lost, Damaged or Stolen Personal Items: Imagine losing your phone, camera, or other valuables on your trip. Domestic travel insurance may cover the cost of replacing or repairing your items up to $7,500. This means you’re not left out-of-pocket, or without essentials while travelling domestically.
- Delayed, Damaged or Lost Baggage: If your luggage is lost, damaged, or stolen while travelling domestically, our policies can cover the costs of replacement up to $7,500 with top level of cover.
- Adventure Activities: All our domestic travel insurance policies include coverage for a range of activities. You can be covered for accidental death, disability and personal liability for activities including hiking, snorkelling and bungee jumping (provided they are within safety guidelines). You can enjoy your adventures knowing you’re protected with Tick.
- Personal Liability: If, during your trip, you become legally liable for accidentally damaging or losing someone else's property or injuring someone, personal liability cover can cover up to $1,500,000 in Standard and Top policies. Our domestic travel insurance policies can cover you for up to $1,500,000 personal liability cover.
- Accidental Death and Disability: Our Standard and Top plans can cover up to $15,000 for accidental death or permanent disability while travelling domestically. We also provide vital support for you and your loved ones during a difficult time.
- Natural Disasters: Australia’s weather can include bushfires, floods, and storms. If your travel plans are disrupted by natural disasters, our domestic travel insurance can cover up to $20,000 (depending on the plan you select) for cancellation, emergency accommodation and alternative transportation.
What Domestic Travel Policies Does Tick Offer?
Our customers value flexibility and choice. We offer three levels of cover for domestic travel insurance: Basic, Standard, and Top. Each level is tailored to suit different traveller needs and budgets.
- Basic Cover: Our entry-level plan provides essential protection. It includes coverage for trip cancellations, personal belongings, luggage and limited personal liability. It’s an affordable option with essential coverage for added peace of mind.
- Standard Cover: Our Standard plan expands on Basic cover. It includes additional features such as rental car excess. It includes higher limits on benefits such as baggage cover. Standard cover offers a wide range of benefits without costing as much as Top cover.
- Top Cover: Our most comprehensive plan, Top Cover includes all the features of Basic and Standard, along with enhanced benefits. It includes higher claim limits and coverage for additional expenses related to disruptions and legal expenses. It offers more protection during domestic trips.
What Are You Covered For?
| Tick Basic | Tick Standard | Tick Top | |
|---|---|---|---|
| Trip Cancellation | $1,500 | $5,000 | $20,000 |
| Cutting your Trip Short | Nil | $5,000 | $10,000 |
| Resumption of Journey | Nil | Nil | $3,000 |
| Travel Delay Expenses | Nil | Up to $250 | Up to $1,000 |
| Personal Belongings and Baggage | $2,000 | $3,000 | $7,500 |
| Accidental Death and Permanent Disability | Nil | Up to $15,000 | Up to $15,000 |
| Personal Liability | $1,000,000 | $1,500,000 | $1,500,000 |
| Legal Expenses | Nil | Nil | $25,000 |
| Rental Car Excess Waiver | Nil | $2,000 | $4,000 |
| Covid-19 Cancellation or Trip Disruption | Nil | $2,500 | $2,500 |
Why Aren’t Medical Expenses Covered?
What Extra Cover Options Are There?
- Winter Sports Cover: Visiting the southern states for skiing or snowboarding? This add-on provides coverage for equipment, lift passes, and unforeseen cancellations related to winter sports activities.
- Natural Disasters Cover: Travelling to parts of Australia prone to bushfires, floods, or storms? This option helps protect you against disruptions caused by natural disasters. This includes cover for additional accommodation and transport expenses.
- Excess Waiver Option: You can choose to eliminate the standard excess on claims, saving you from out-of-pocket costs if you need to make a claim.
How to Choose the Best Domestic Travel Insurance for Australia
- Coverage Needs: Think about your activities, destinations, and potential risks. For instance, a road trip may require coverage for rental car excess, while a domestic cruise might need our specialised cruise policy.
- Policy Limits and Exclusions: Read the PDS carefully to understand what’s included. Be aware of sub-limits for certain items, such as baggage or valuables, and exclusions for existing medical conditions or adventure activities.
- Cost vs. Benefits: Look for affordable options without compromising on essential features. Compare premiums against the range of benefits provided to ensure you’re getting value for money.
- Customer Reviews and Awards: Check reviews and industry recognition. Tick Travel Insurance has earned several awards for customer service and quality policies. You can claim with confidence knowing we’re here to support you.
Why Choose Tick Travel Insurance?
No matter your budget or travel needs, Tick Travel Insurance offers domestic coverage options designed to suit you. When you choose a Tick policy, you’re also choosing:
What’s Not Covered by Domestic Travel Insurance
- Medical Emergencies: Domestic travel insurance does not cover medical expenses. Medicare and personal private health insurance may cover medical expenses within Australia.
- Pre-existing medical conditions: Unless disclosed and accepted by us when you apply for your policy online.
- Non-compliance with Policy Terms: Failing to follow local laws or rental agreements.
- Natural Disasters Already Known: Events that were publicly announced before your policy was purchased are not covered.
- Losses Due to Negligence: Claims arising from unattended belongings or failing to take reasonable precautions to secure your items may not be covered.
How to Get a Quote for Domestic Travel Insurance
- Use Our Online Quoting Tool: Choose your trip type (one trip or cruise cover), and travel destination from the drop-down menu.
- Enter Your Travel Details: Provide information such as your travel dates, the number of travellers and the age of travellers.
- Select Your Coverage Level: Choose from Basic, Standard, or Top cover, depending on your needs.
- Review Optional Add-Ons: Include extras like natural disaster cover or winter sports cover if applicable.
- Get Your Instant Quote: The system will calculate your premium, and you can purchase the policy online. We accept payment by most major credit cards and PayPal.
Frequently Asked Questions
Got questions about Tick Travel Insurance? We’ve answered some of the most common ones below.
Do I need domestic travel insurance if I already have private health insurance?
Private health insurance only covers medical treatments and does not protect against trip cancellations, lost belongings, or rental car excess. Tick’s domestic travel insurance fills these gaps.
Does domestic travel insurance cover all adventure activities?
Not all activities are covered. Check the PDS for a detailed list of included and excluded activities. Only accidental death, permanent disability and personal liability is covered for listed activities.
Can I get travel insurance for domestic cruises?
Yes! It’s important to note that Medicare and Private Health cover may not extend to cruises, even within Australian waters.
Tick’s Cruise Travel Insurance helps you prepare for medical and non-medical issues not included in Medicare or private health insurance. Click here to find out more.
How do I make a claim?
With Tick Travel Insurance, claims can be lodged online. Be sure to provide relevant documents, such as receipts and incident reports, for a smooth process.
Ready to Get Started?
Domestic travel insurance helps you prepare for the unexpected, no matter where your Australian adventure takes you.
Before you pack your bags, consider the value of a Tick travel insurance policy for your trip.