Important Notice
Cancelled flights, lost luggage, a rental car prang, things go wrong even on a trip at home. World2Cover's domestic travel insurance plan covers the financial risks of travelling within Australia: cancellation fees, lost deposits, luggage, rental vehicle excess, and emergency expenses. Note: this plan does not include medical or hospital cover in Australia, as these are provided through Medicare.
Any product information on this page is a summary only. Review each section of the combined PDS/FSG for terms, conditions, exclusions, limits, sub-limits, and any general exclusions that apply.
Why choose World2Cover?
Travel supported by an award-winning travel insurance provider on your next journey.
Unlimited overseas medical and hospital expenses*
Emergency medical evacuation and repatriation
Overseas emergency dental treatment
24/7 emergency assistance
Existing medical condition assessments available
What's covered?
If you need to cancel or cut your trip short due to a covered event, your policy can help reimburse non-refundable flights, accommodation, tours, and prepaid bookings.
Hiring a car for your trip? If your rental vehicle is damaged or stolen while in your control, your policy can cover the excess you'd otherwise pay under the rental agreement.
Cover for the loss, theft, or accidental damage of your luggage and personal effects, from checked bags to laptops and cameras, up to $7,500 in total, with per-item limits applying (including $1,500 for cameras). Section limits and sub-limits apply; see the PDS for more information.
If a storm, natural disaster, or other covered event disrupts your trip, your policy can help cover the additional accommodation, meals, and travel costs you didn't plan for.
Benefits at a glance
This table only provides a summary of the policy benefits. Review each section of the combined PDS/FSG for terms, conditions, exclusions, limits, sub-limits, and any general exclusions that apply.
| Benefit | Maximum Limit |
|---|---|
| Cancellation fees and lost deposits | Your chosen limit |
| Luggage | $7,500 per adult |
| Luggage delay (10h+ hours / sub-limit of Luggage) | $500 per adult |
| Personal money (sub-limit of Luggage) | $250 per adult |
| Emergency expenses | $25,000 per adult |
| Travel delay ($100 per 24-hr period) | $1,500 per adult |
| Travel agent fees | $2,000 per adult |
| Rental vehicle excess | $5,000 per policy |
| Loss of income from injury ($200/week) | $5,200 per adult |
| Accidental death | $25,000 per person |
| Accidental disability | $25,000 per person |
| Personal legal liability | $10,000,000 per adult |
What's not covered?
The following are not included on the domestic single trip plan:
- Medical, hospital, dental, or evacuation costs in Australia (covered by Medicare)
- Travel outside Australia
- Ocean cruising
- Existing medical conditions not declared and accepted at the time of purchase
- Events you were aware of before purchasing the policy
- Trips longer than 365 days
- Travel for business purposes
This is a summary only. Full exclusions are in the PDS.
Who's covered?
World2Cover's domestic single trip plan is available to Australian citizens, permanent residents, and eligible Australian visa holders travelling on a leisure trip wholly within Australia. Some visa types are excluded and conditions apply, see the PDS for full eligibility details.
SinglesOne adult aged 18–110. Declared dependants aged 19 and under, not working full-time, financially dependent on you, and travelling with you for the entire trip can be added at no extra cost, unless they have an existing medical condition to declare (an additional premium may apply). ††
Couples and familiesAny two adults aged 18–110, travelling together, plus declared dependants travelling with them for the entire trip. ††
EligibilityYou must be an Australian citizen, permanent resident, or hold a current Australian visa with a valid Medicare card and primary residence in Australia. Your policy must be purchased before your trip begins, and the trip must start and end in Australia.
If your trip includes any travel outside Australia, an international policy is required. For cruise cover, see our Cruise travel insurance page.
When it matters: Cover in action
Cancelled flight in a stormYou've booked a long weekend in Hobart. A major storm cancels your Sydney flight, and you lose the first night's pre-paid accommodation. The domestic plan may help cover the lost deposit and additional travel costs caused by the delay, subject to the PDS.
Rental car accident on the Great Ocean RoadA kangaroo darts out, and you clip a guard rail. The rental company charges you the full insurance excess. The domestic plan may cover the rental vehicle excess up to $5,000 per policy, subject to the PDS.
Lost luggage on a regional flightYou fly from Melbourne to Broome and your checked bag doesn't arrive. The airline confirms a delay of more than 10 hours. Our domestic travel insurance plan may cover essential items purchased while you wait, and if the luggage is ultimately lost, you may also claim under the luggage benefit, subject to the PDS.
All scenarios are illustrative only. Claims are assessed on their individual merits against the terms, conditions, limits, and exclusions of the policy.
Why World2Cover?
Backed by Tokio MarineWorld2Cover Travel Insurance is issued by Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548), part of Tokio Marine Group, and one of the largest insurers in the world.
We’re here to helpIf you need assistance, call our customer service team on +61 2 9225 7599, Monday–Friday 8am–9pm AEST, weekends 9am–6pm AEST.
Choice of excessThe default excess is $200 per claim. You have option to reduce it to $100 or $0. The excess amount you choose will increase or reduce your premium. Please note some cover benefit limits or sub-limits may be less than your chosen excess and therefore the insurer may not contribute anything to your claim.
21-Day cooling-off periodChanged your mind? Cancel within 21 days of purchase for a full refund, provided you haven’t started your trip, haven’t made a claim, and don’t intend to make a claim or exercise any other rights under your policy.
Optional add-ons
Ski and winter sportsHeading to Thredbo, Perisher, or Falls Creek? Add ski and winter sports cover for an additional premium (available to travellers aged 85 and under). Covers ski equipment hire, ski pack, bad weather, avalanche, and lift passes. See our ski cover page or the PDS for full details.
Existing medical conditionsSome conditions are covered automatically.~~ Others can be assessed during the quote process. While the domestic plan doesn't provide medical cover in Australia, declaring a condition ensures your cancellation and other benefits aren't affected by a related claim. See our Existing medical conditions page.
Frequently Asked Questions
There's no legal requirement, but domestic travel insurance can cover costs Medicare doesn't, such as cancelled flights, lost luggage, and rental car excess. If you've prepaid for flights, accommodation, or tours, it's worth considering.
Yes, under the cancellation and lost deposits benefit, if your trip is cancelled or cut short due to a covered event. You choose the benefit limit at the time of purchase. See Section 1 of the PDS for full conditions.
The standard excess is $200 per claim. You can reduce this to $100 or $0 by paying a higher premium when you buy your policy.
Emergency expenses caused by natural disasters, including severe weather, fire, flood, and earthquake, may be covered under the emergency expenses benefit. See Section 4 of the PDS for covered events and conditions.
Yes. Declared dependants aged 19 and under, not working full-time, financially dependent on you, and travelling with you for the entire trip can be added at no additional cost, unless they have an existing medical condition to declare.††
No. The domestic single trip plan does not cover ocean or river cruising. If you're taking a domestic cruise around Australian ports, see our Cruise travel insurance page. ††
~~You’re covered automatically for 38 medical conditions if you meet all criteria, as outlined in the PDS. Refer to PDS for full information on medical conditions that are automatically covered.
††Dependant means any of your children, stepchildren, foster children or grandchildren who are 19 years of age or under at the time you purchase your policy, financially dependent on their parents or grandparents, not working full time, travelling with you for your entire trip and listed on the Certificate of Insurance as your Dependant. Dependants can be covered at no extra cost if they have not disclosed any medical conditions requiring assessment. Terms, conditions, exclusions, limits and sub-limits apply. Refer to PDS for full details.
