Domestic Plan

Australian Travel Insurance - Domestic Plan


Plan Benefits

The Domestic Plan provides cover for Australians travelling domestically. Note that this is not a medical plan, it covers you largely for your luggage and the risk of cancellation or disruption of travel. Cover applies from when you leave your home to go directly to the place you depart from your travels, and ends when you return to your home.

Note: The Cancellation Fees & Lost Deposits benefit is a benefit that covers you from the moment you buy your policy.

This is a summary of benefits. Please read the Product Disclosure Statement (PDS) carefully for the complete details of “What we will pay” and “What we will not pay”. Importantly, please note that exclusions do apply as well as limits to the cover and these are set out in the PDS.
Note: The amounts listed below are the maximum payable.

Section Benefit Single Duo [Per Person] Family
1.3* Accidental Death $25,000 $25,000 $50,000
2.1* Cancellation Fees and Lost Deposits unlimited unlimited unlimited
3.1* Additional Expenses $25,000 $25,000 $50,000
3.2* Travel Delay Expenses $2,000 $2,000 $4,000
4.1* Luggage and Personal Effects $10,000 $10,000 $20,000
4.2* Luggage and Personal Effects Delay Allowance $500 $500 $1,000
4.4 Theft of Cash $250 $250 $500
5.1* Rental Vehicle Excess $3,000 $3,000 $6,000
6.1 Personal Liability $2.5 million $2.5 million $2.5 million


* sub-limits apply - refer to YOUR POLICY COVER section of the PDS for details.

Additional Options - Snow Pack

Section Benefit Single Duo [Per Person] Family
7.2* Own Snow Sport Equipment^^ $2,000 $2,000 $4,000#
7.3 Snow Sport Equipment Hire^^ $2,000 $2,000 $4,000#
7.4 Snow Sport Pack^^ $1,000 $1,000 $2,000#
7.5* Piste Closure^^ $1,000 $1,000 $2,000#
7.6 Bad Weather & Avalanche Closure^^ $1,000 $1,000 $2,000#


Additional Options - CruisePack

Section Benefit Single Duo [Per Person] Family
7.7 Medical cover while Cruising^^
- Emergency Dental Expenses [Per Person]
unlimited unlimited unlimited
$1,000 $1,000 $1,000
7.8* Evacuation Cover - Ship to Shore^^ unlimited unlimited unlimited
7.9* Cabin Confinement^^ $500 $500 $1,000
7.10 Pre-paid Shore Excursion Cancellation^^ $1,000 $1,000 $2,000
7.11 Formal Cruise Attire Lost or Damaged^^ $1,000 $1,000 $2,000
7.12 Formal Cruise Attire Delayed^^ $250 $250 $500
7.13* Marine Rescue Diversion^^ $500 $500 $1,000


* sub-limits apply - refer to YOUR POLICY COVER section of the PDS for details.

^^ you only have cover for these sections if the relevant Pack has been purchased.

# Please note that where one adult is shown as covered on the Certificate of Insurance, the benefit limit which will apply for this section will be the benefit limit for single cover for the Plan selected.


Summary of Benefits

This is only a summary of the benefits. Please read the product disclosure statement carefully for the complete details of "What We Will Pay" and "What We Will Not Pay" and which types of cover are provided under each plan.
Importantly, please note that exclusions do apply as well as limits to the cover and these are set out in the product disclosure statement.

1.3 Accidental Death

An Accidental Death benefit is payable if you are injured and you die because of that injury within 12 months of the injury; or Something you are travelling on or in disappears, sinks or crashes and your body is not found within 12 months and you are presumed dead

Single/Duo Plan: $25,000
Family Plan: $50,000

2.1 Cancellation Fees & Lost Deposits

Cover for cancellation fees and lost deposits for pre-paid travel arrangements due to unforeseen circumstances neither expected nor intended by you or which are outside your control, such as:

  • Sickness
  • Accidents
  • Strikes
  • Collisions
  • Retrenchment
  • Natural Disasters

Single/Duo Plan: Unlimited Benefit
Family Plan: Unlimited Benefit

3.1 Additional Expenses

Cover for additional accommodation and travel expenses caused by your health problems or someone else's resulting from:

  • Sickness
  • Accidental injury
  • Death

Also cover for Travelling Companion or Relative's accommodation and travel expense to travel to, stay near or escort you resulting from:

  • Hospitalisation
  • Medical Evacuation

Single/Duo Plan: $25,000
Family Plan: $50,000

3.2 Travel Delay Expenses

Cover for additional meals and accommodation expenses if your journey is disrupted due to circumstances beyond your control after an initial 6 hour delay.

Single/Duo Plan: $2,000
Family Plan: $4,000

4.1 Luggage and Personal Effects (Additional Cover Options Available)

Cover for replacing luggage stolen or reimbursing repair cost for accidentally damaged items, including:

  • Luggage
  • Spectacles
  • Personal Effects
  • Mobile Phones
  • Personal Computers
  • Cameras

Single/Duo Plan: $10,000
Family Plan: $20,000

4.2 Luggage and Personal Effects Delay Expenses – Nil Excess

Cover to purchase essential items of clothing and other personal items following luggage delayed, misdirected or misplaced by your carrier for more than 12 hours

Single/Duo Plan: $500
Family Plan: $1,000

4.4 Theft Of Cash - Nil Excess

Cover for the following items stolen from your person, up to $250 for all claims combined:

  • Bank Notes
  • Cash
  • Currency Notes
  • Postal Orders
  • Money Orders

Single/Duo Plan: $250
Family Plan: $500

5.1 Rental Vehicle Excess

Cover for the excess payable on a Rental Vehicle resulting from your rental vehicle being:

  • Stolen
  • Crashed
  • Damaged and/or cost of returning rental vehicle due to you being unfit

Single/Duo Plan: $3,000
Family Plan: $6,000

6.1 Personal Liability

Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you

Single/Duo Plan: $2.5 million
Family Plan: $2.5 million

7.2 Own Snow Sport Equipment

Cover If, during your journey, your snow sport equipment is stolen, accidentally damaged or is permanently lost, including:

  • Either the repair cost; or
  • the replacement cost;

Single/Duo Plan: $2,000
Family Plan: $4,000

7.3 Snow Sport Equipment Hire

Cover for loss, theft of, or accidental damage to, your snow sport equipment; or the misdirection or delay of snow sport equipment owned by you, for a period more than 24 hours, including:

  • Cost of hiring alternative snow sport equipment

Single/Duo Plan: $2,000
Family Plan: $4,000

7.4 Snow Sport Pack

Cover for Pre-booked and pre-paid ski passes, snow sport equipment hire, tuition fees or lift passes, including:

  • The irrecoverable cost of the unused portion for each insured person

Single/Duo Plan: $1,000
Family Plan: $2,000

7.5 Piste Closure

Cover for bad weather or power failure, preventing you from participating in your planned snow sport activities, including:

  • The cost of transport to the nearest resort with open lift systems; or
  • The cost of additional ski passes.

Single/Duo Plan: $1,000
Family Plan: $2,000

7.6 Bad Weather & Avalanche Closure

Cover due to avalanche or bad weather delays your departure for more than 12 hours from your scheduled departure time, including:

  • Extra travel and accommodation expenses

Single/Duo Plan: $1,000
Family Plan: $2,000

7.7 Medical cover while Cruising

Cover for injury or sickness while travelling on a cruise vessel, including:

  • Medical
  • Hospital
  • Emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth - $1,000 limit

Single/Duo Plan: Unlimited Benefit
Family Plan: Unlimited Benefit

7.8 Evacuation Cover - Ship to Shore

Cover if you injure yourself, or become sick during travel on a cruise vessel provided the relevant injury or sickness is covered by your policy., including:

  • Access to a medical adviser for emergency medical treatment
  • Messages passed to Family or Employer
  • Provision of Hospital Guarantees
  • Medical Evacuations
  • Funeral Expenses

Single/Duo Plan: Unlimited Benefit
Family Plan: Unlimited Benefit

7.9 Cabin Confinement

Cover where as a result of an injury or sickness during your journey, you are confined to your cabin or the cruise vessel’s hospital for a continuous period of more than 48 hours then we will pay you $50 for each day in excess of 48 hours that you continue to be confined.

Single/Duo Plan: $500
Family Plan: $1,000

7.10 Pre-paid Shore Excursion Cancellation

Cover where you cannot participate in your pre-paid shore excursion(s) due to your confinement in your cabin or in the cruise vessel’s hospital as a result of circumstances outside your control, we will pay you, your cancellation fees and lost deposits.

Single/Duo Plan: $1,000
Family Plan: $2,000

7.11 Formal Cruise Attire Lost or Damaged

Cover If during your journey, your formal wear is stolen, accidentally damaged or is permanently lost we will pay the lesser of:

  • Either the repair cost; or
  • the replacement cost.

Single/Duo Plan: $1,000
Family Plan: $2,000

7.12 Formal Cruise Attire Delayed

Cover if your formal wear is delayed, misdirected or misplaced for over 12 hours from the time you boarded the cruise vessel, and it is necessary to purchase or hire replacement formal wear, we will reimburse you, your reasonable expenses.

Single/Duo Plan: $250
Family Plan: $500

7.13 Marine Rescue Diversion

Cover if during your journey, your cruise vessel diverts from its scheduled course in order to affect a marine rescue in accordance with obligations under international conventions governing the Law of the Sea, and Search and Rescue we will pay you $100 for each day your cruise vessel diverts, up to a maximum of 5 days.

Single/Duo Plan: $500
Family Plan: $1,000