Travelling closer to home with Domestic Travel Insurance

Allianz Domestic Travel Insurance offers cover for a single trip within Australia. It’s designed to cover personal liability, luggage, unexpected trip cancellation*, and more.

It is also designed to provide cover for the insurance excess on your rental vehicle if you are in an accident*.

Plus you can add optional cover and increase item limits for an additional premium, or apply for cover for pre-existing medical conditions*.

*Terms, conditions, limits and exclusions apply. Please refer to the Product Disclosure Statement for full details.

Key Domestic Travel Insurance benefits

This is simply a summary of the benefits of a Domestic Travel Insurance policy. For full details, such as conditions, limits and exclusions, please read the Product Disclosure Statement.

The below sets out the most we will pay for all claims made under each section on a single plan. Limits can vary depending on the plan you chose.

Domestic (This is a single example –view the table of benefits for Duo or Family plans in our PDS)


NOTE: All benefits and premiums are in Australian dollars. All limits include GST.

1 Sub-Limits apply. Please refer to the Policy Benefits section of the Product Disclosure Statement for full details.

4 You will not have cover under Benefit 6.1 Personal Liability for any claims arising from your participation in any of the activities listed under Adventure Pack or your participation in snow sport activities.

5 A default limit for Benefit 2.1 Cancellation is automatically included in your cover unless you make a selection. However you are able to choose different levels of cover from the amounts available to you when you purchase your policy. Any benefit limit selected by you will be shown on your Certificate of Insurance. The benefit limit shown will be the most we will pay for all claims under Benefit 2.1 Cancellation.

Additional optionsYou can choose to purchase the following add-on options to increase your cover for particular holiday activities.
For full details, terms and conditions, please read the Product Disclosure Statement.

Snow pack

If you are heading to the snow, these optional benefits may be relevant to you.


Find out more

Cruise pack

For those of you planning on getting on a cruise.



Find out more

Adventure pack

You can get cover for a wide range of more adventurous sports and activities not automatically covered in your standard policy.

Find out more

Increased item limits

If you're planning on taking higher value items with you and want to cover them for a higher amount for loss, theft or damage, this may be for you.

Find out more

When you choose Allianz Travel Insurance, the Allianz team is there with the skills and experience to help.

Allianz Travel Insurance is a great choice

In 2020, Forbes magazine named Allianz SE one of the world's largest public companies, making Allianz SE one of the global leaders in insurance. Allianz Australia Insurance Limited and Allianz Global Assistance are both part of the Allianz SE group of companies.

Global reach and expertise

Emergency Assistance 24 hours a day, 365 days a year

Registered Nurses and Doctors available

Frequently Asked Questions

Allianz Domestic Travel Insurance is designed specifically for trips that are taken within Australia. It provides cover for loss of or damage to luggage and personal effects and travel delay expenses. We also provide cover for other additional expenses such as rental vehicle excess, personal liability and theft of cash. Cancellation Fees can be covered when you select your level of cover at the time of purchase. Make sure you read the Product Disclosure Statement to see all conditions, terms, limits and exclusions that may apply.

It’s important to note that Domestic Travel Insurance does not cover medical expenses.

You may wish to consider Allianz Domestic Travel Insurance for travel within Australia if luggage and personal effects coverage and cancellation coverage are important to you, even when travelling domestically. Allianz Domestic Travel Insurance includes cover for certain events out of your control such as cancellations and delays caused by inclement weather, which require you to seek alternative flights and/or accommodation. It also includes cover for lost or damaged luggage and personal items you take with you on your trip. Make sure you read the Product Disclosure Statement to see all conditions, terms, limits and exclusions that may apply. As with any financial product, you need to consider your own needs before purchase.
Allianz Domestic Travel Insurance does not cover medical and hospital bills. However, it may provide some cover for delays or cancellations if you need to change your plans because you or your travel companion is hospitalised. See the Product Disclosure Statement.

If your trip will consist of snow activities, ocean cruising or adventure activities you should consider purchasing a Snow, Cruise or Adventure Pack*.

For an additional premium, these packs will cover additional activities that are not automatically included in our Domestic policies.

You must be aged under 75 years at the time the Certificate of Insurance is issued in order to purchase the Snow Pack and the Adventure Pack. You will not have cover under Benefit 6.1 Personal Liability for any claims arising from, or in any way connected with your participation in any of the activities listed as covered adventure activities in the Adventure Pack or your participation in snow sport activities.

Our Snow Pack is designed to cover in certain circumstances, for your snow sport equipment and cost of re-hire as well as coverage for piste closure, bad weather and avalanche closure. This cover is subject to conditions, terms, limits and exclusions which are outlined in the PDS.

The Cruise Pack is designed to cover, subject to the terms of the policy, medical and hospital expenses if you are injured or become sick on a cruise, ship to shore evacuation if required for emergency medical treatment, plus cover for cabin confinement, pre-paid shore excursion cancellation, marine rescue diversion, and formal attire that has been damaged, lost, stolen or delayed.

Allianz Domestic Travel Insurance automatically includes cover for a wide range of activities such as golf or snorkelling. You can also purchase an Adventure Pack if you are planning on participating in adventure activities such as motorbike riding*, moped riding*, abseiling, deep sea fishing or zip lining. For full lists of the automatically included activities and the adventure activities covered by the Adventure Pack, see the Product Disclosure Statement.

*Terms, conditions, limits and exclusions apply. Please refer to Optional Covers section in the Product Disclosure Statement for full details.

Allianz Domestic Travel Insurance plans are available for travellers of all ages, including senior citizens.

However, some of the additional packs available to purchase do have age restrictions. You must be aged under 75 years at the time the Certificate of Insurance is issued in order to purchase the Snow Pack and the Adventure Pack.

The cost of Domestic Travel Insurance varies. You can get a quote online or over the phone to find out the cost of a Domestic Travel Insurance policy for your trip.

What may influence the cost of your policy are factors such as your age, if there are others listed on your policy like a spouse, partner or dependants, if you purchase any additional options such as our Snow, Adventure and Cruise Packs, and any pre-existing medical conditions.

COVID-19 Frequently Asked Questions

This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don’t cover claims that arise from, or are related to, an epidemic or pandemic.

However, you are covered under selected benefits in this product if, during your period of cover, you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19.

Refer to the Product Disclosure Statement to see which benefits offer cover in the event that you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits and exclusions that apply.

PLEASE NOTE: there is no cover under any benefit of this policy if your claim arises because you did not follow advice or a warning that has been issued by the Australian Government or a reliable mass media source. This applies even if an Australian government has given you permission to travel, or you fall under a specific exemption where there is otherwise a travel ban in place.

If you have any questions call us on 13 1000.

If you are required to shorten your journey while travelling or are prevented from travelling due to a COVID-19 border closure or mandatory quarantine period you may be entitled to receive a partial or full refund on your premium. Please refer to the Product Disclosure Statement for further information.

Please note, eligibility criteria applies.

Contact us on 1800 440 806 or email us at TravelHelpdesk@allianz-assistance.com.au.

There is no cover under any benefit of this policy if your claim arises because you did not follow an advice or warning that a reasonable person would have been aware of, that has been issued by the Australian government (when a reconsider your need to travel or do not travel alert is in place), which can be found on Smartraveller; or which was published in a reliable mass media source.

Before purchasing travel insurance, and while you’re travelling, check Smartraveller and Allianz Partners for travel alerts or advisories for your intended destination(s).

Please note, this applies even if an Australian government has given you permission to travel, or you fall under a specific exemption where there is otherwise a travel ban in place.

Tip! Subscribe to Smartraveller to receive travel alerts and advisory updates via email.

Refer to General Exclusions in the Product Disclosure Statement for a full list of exclusions.

If you have any questions call us on 13 1000.

A general exclusion, sometimes referred to as a policy exclusion or exclusion, is an exclusion that applies to all policy benefits, regardless of when the travel insurance policy was purchased.

Should a general exclusion apply, your travel insurance policy will not provide cover for the specified event, activities or circumstances.

Refer to General Exclusions in the Product Disclosure Statement for a full list of exclusions.

Snow Pack benefits

This is simply a summary of the benefits of the additional options. For full details, such as conditions, limits and exclusions, please read the Product Disclosure Statement. The below sets out the most we will pay for all claims under this section per person.

You must be aged under 75 years at the time the Certificate of Insurance is issued in order to purchase the Snow Pack. You will not have cover under Benefit 6.1 Personal Liability for any claims arising from, or in any way connected with your participation in snow sport activities.

  • If your snow sport equipment is stolen, accidently damaged, lost or delayed6 - up to $2,0001
  • Snow Sport Equipment Hire6 - up to $2,000
  • Snow Sport Pack6 - up to $1,000 to cover non-refundable unused pre-booked and pre-paid ski passes, ski hire, tuition fees or lift passes if you are injured or become sick during your trip
  • Piste Closure6 – up to $1,0001
  • Bad Weather and Avalanche6 – up to $1,000

NOTE: All benefits and premiums are in Australian dollars. All limits include GST.

1 Sub-Limits apply. Refer to the Optional Covers – Cruise Pack and Snow Pack Policy Benefits section in the Product Disclosure Statement for full details

6 You only have cover for these benefits if the relevant pack has been purchased.

Cruise Pack benefits

This is simply a summary of the benefits of the additional options. For full details, such as conditions, limits and exclusions, please read the Product Disclosure Statement. The below sets out the most we will pay for all claims under this section per person.

  • Unlimited2 Medical Cover while cruising6
  • Unlimited1,2 Evacuation Cover – Ship to Shore6
  • Cabin Confinement6 – up to $5001
  • Pre-paid Shore Excursion Cancellations6 - up to $1,000
  • Formal Cruise Attire Lost or Damaged6 – up to $1,000
  • Formal Attire Delayed6 – up to $250
  • Marine Rescue Diversion6 – up to $5001

NOTE: All benefits and premiums are in Australian dollars. All limits include GST.

1 Sub-Limits apply. Refer to the Optional Covers – Cruise Pack and Snow Pack Policy Benefits section in the Product Disclosure Statement for full details

2 Where used, the term ‘Unlimited’ only means there is no capped dollar sum insured. Terms, conditions, limits and exclusions apply - refer to the Policy Benefits and General Exclusions sections of the PDS for details.

6 You only have cover for these benefits if the relevant pack has been purchased.

Adventure Pack benefits

This optional pack is designed to cover a range of more adventurous sports and activities not automatically covered in your policy. Please be aware that some sports and activities are not covered under any circumstances. Check the PDS for a list of what sports and activities are covered.
You must be aged under 75 years at the time the Certificate of Insurance is issued in order to purchase the Adventure Pack. You will not have cover under Benefit 6.1 Personal Liability for any claims arising from, or in any way connected with your participation in any of the activities listed as covered adventure activities in the Adventure Pack.

Covered adventure activities

  • abseiling;
  • animal conservation and handling (under appropriate supervision);
  • battle re-enactment (but not with firearms);
  • cave/river tubing;
  • caving/potholing;
  • contact sports (including any form of rugby, Australian Rules football or American football);
  • deep sea fishing;
  • diving underwater using an artificial breathing apparatus at a depth no greater than 30 metres (in order to be covered for this activity, you must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities and note that restrictions apply - refer to General Exclusions ‘Activities’ and ‘Diving alone’);
  • expeditions to or on the Kokoda Track/Trail;
  • flying fox/zip lining;
  • hiking, trekking or tramping, peaking at altitudes from 3,000 metres up to 6,000 metres, where specialist climbing equipment is not required;
  • martial arts;
  • motorcycles, mopeds or motorised scooters – including as the driver or as a pillion passenger;
  • outdoor rock climbing (with ropes and appropriate safety gear);
  • quad bike riding (but only single rider);
  • sailing from 11 to 15 nautical miles from land;
  • shooting (moving target – eg. clay pigeon), but not hunting;
  • surface water activities in rivers or rapids graded IV or V under the International Scale of River Difficulty (see https://americanwhitewater.org);
  • tandem parachuting, tandem sky diving, tandem hang gliding, tandem gliding and tandem paragliding (but you must be in tandem with a licenced instructor for these activities).

Even if you purchase the Adventure Pack, you will only be covered while riding on a motorcycle, moped, motorised scooter or quad bike if:

  • you hold the appropriate class of licence (excluding learners licences) in Australia for the vehicle you are driving, or a licence valid for the country you are riding in, if your Australian licence is not recognised in that country;
  • when you are riding as a pillion passenger on a motorcycle, moped or motorised scooter, the driver holds a licence valid for that vehicle and for the country it is being ridden in. However, this restriction will not apply if it is reasonable that you did not know that the driver was not licenced and no exclusion applies to the circumstances of your claim;
  • you are the driver of a quad bike and you are not carrying a pillion passenger – there is also no cover if you ride as a pillion passenger on a quad bike;
  • you wear an appropriate safety helmet at all times; and
  • you are not participating in any race or riding a motorcycle, moped, motorised scooter or quad bike in a professional capacity.


Terms and conditions for Snow, Cruise and Adventure Packs

You can choose the base excess that applies to your policy.

Snow and Adventure packs have an additional excess of $500 per pack. Overseas Medical and Hospital Expenses and Cancellation claims arising from your participation in snow sport or adventure activities will incur a $500 excess in addition to your chosen base excess. You cannot pay to remove or reduce this excess.

You must be aged under 75 years at the time the Certificate of Insurance is issued in order to purchase the Snow Pack and the Adventure Pack. You will not have cover under Benefit 6.1 Personal Liability for any claims arising from, or in any way connected with your participation in any of the activities listed as covered adventure activities in the Adventure Pack or your participation in snow sport activities.

The above information is a summary only of the cover provided under the policy you may purchase. Terms, conditions, limits and exclusions apply. Sub-limits apply to particular types of losses or claims. You do not have cover under certain sections while travelling in Australia. Please refer to the Product Disclosure Statement for full details.

Increased items limits

This option allows you for an additional premium to increase item type cover limits on your selected domestic, multi-trip or comprehensive plan. It is ideal if you're planning on taking higher value items with you on your trip and want to cover them for a higher value.

Cover is provided in your policy for the loss or theft of, or accidental damage to, luggage and personal effects up to the item limits shown in the PDS. If you need a higher limit, you can purchase our Increased Item Limits Cover by paying an additional premium when you purchase your policy.