Skip to content   Skip to footer navigation 

Domestic travel insurance comparison

Buy smarter with CHOICE membership

Join CHOICE

Or Learn more

Last updated: 17 January 2025
Fact-checked

Fact-checked

Checked for accuracy by our qualified fact-checkers, verifiers and subject experts. Find out more about fact-checking at CHOICE.

Compare domestic travel insurance policies to find the best one for you, from over 30 insurers like Cover-more, NRMA, Allianz and Travel Insurance Direct. Our price rating will help you find the cheapest policies in the market that offer cover for seniors, cruising, skiing, scuba diving, existing medical conditions, car rental and more. Use the filters to select whether you want an annual or a single trip policy.

You'll save money and get better cover with insurance policies recommended by CHOICE. Unlike other insurance comparison websites, we don't get paid by any of the insurers we're comparing. CHOICE is nonprofit, so your membership fees help us fight for fair consumer rights, and empower you to get the best products.

Read more

Do you need domestic travel insurance?

Most of us already have medical cover at home, be it Medicare or private health insurance or both, but there are a few reasons to consider domestic travel insurance.

  • Cancellation: If you've spent a lot on your holiday, then it's not too much extra to buy travel insurance in case of the unforeseen.
  • Baggage cover: If you're travelling with valuables, consider whether you want them covered for theft, loss or damage.
  • Car hire excess: You can save money using travel insurance to cover your collision damage excess, rather than paying the car hire company's extra charge.
  • Activities: If you're skiing or surfing, you may want cover for your equipment outside of your home contents insurance.
Show less

Brand

Expand to view more details.

List of brands we tested in this review.

    enter value/s in increments of 1 between 0 and 0

    Recommended products

    Remove product

    Member only

    This test score is for members only. Join now to unlock our expert results.

    Already a member?

    CHOICE Expert Rating (%)

    Expand to view more details.

    The CHOICE expert score is based on our assessment of price and what the policy covers. It's made up of 60% cover score and 40% price score. A higher score is better. N/A means a price score wasn't available for this policy.

    enter value/s in increments of i between 28 and 76

    Cover score (%)

    Expand to view more details.

    We assess the policy benefits, including medical, cancellation, additional expenses, baggage and rental car cover. A higher score is better.

    enter value/s in increments of i between 9 and 73

    Price score

    Expand to view more details.

    Scores the average cost of the policy compared to other policies of the same type (single trip or annual multi-trip). The higher score, the cheaper the policy is on average. N/A means the prices aren't available for this policy.

    enter value/s in increments of i between 11 and 100

    Policy type

      Policy age limit

      Expand to view more details.

      In years (up to and including the number stated). For policies listed as '110', there is no age limit.

      enter value/s in increments of i between 74 and 110

      Included in this comparison

      Members-only access
      • CHOICE Expert Rating
      • Cover score
      • Price score
      • Provider
      • Policy age limit
      • Dependant age limit
      • Cancellation
      • Baggage
      • Pregnancy
      • Pregnancy stage covered
      • Childbirth costs
      • Pre-existing conditions covered without application
      • Pre-existing conditions covered on application
      • Time period for existing conditions
      • Expenses for a person to accompany a sick policyholder
      • Additional travel expenses for injury or sickness
      • Additional expenses for pandemic
      • Additional expenses for COVID-19
      • Additional expenses for mental health
      • Additional expenses for interrupted travel
      • Travel insurance extension for a delayed trip
      • Additional expenses for terrorism
      • Additional expenses for civil unrest
      • Additional expenses for a natural disaster
      • Additional expenses for a lost passport
      • Additional expenses for a transport accident
      • Additional expenses for a sick relative
      • Additional expenses for resumption of journey interrupted for a relative
      • Cancellation covered
      • Cancellation expenses
      • Cancellation for frequent flyer points
      • Cancellation expenses for COVID-19
      • Cancellation expenses for a pandemic
      • Cancellation expenses for terrorism
      • Cancellation expenses for travel agent fees
      • Cancellation for insolvency of a travel services provider
      • Cancellation for insolvency of a travel agent
      • Cancellation expenses for redundancy
      • Cancellation expenses for defence and emergency workers
      • Cancellation expenses for cancellation of work leave
      • Cover for transport incidents
      • Cover for strikes
      • Cover for mental health
      • Cover for COVID-19
      • Cover for pandemics
      • Cover for natural disasters
      • Cover for civil unrest
      • Cover for terrorism
      • Additional expenses for a special event
      • Additional expenses for pre-paid travel arrangements
      • Limit for travel delay expenses
      • Hours before travel delay covered
      • Limit per 24 hours for travel delay
      • Baggage cover
      • Limit for baggage expenses
      • Limit for a single unspecified item
      • Limit for a video or photo camera
      • Limit for a laptop or tablet
      • Limit for a smartphone
      • Limit for prescribed medications
      • Overall limit for specified items
      • Cover for baggage in a car during the day
      • Cover for baggage in a car overnight
      • Cover for valuables in a car
      • Cover for lost or stolen cash
      • Limit for baggage lost temporarily
      • Hours before cover applies for baggage lost temporarily
      • Rental car excess
      • Limit for rental car excess
      • Mopeds and motorcycles
      • Snow sports
      • Scuba diving
      • Abseiling
      • Bungee jumping
      • Hang gliding
      • Horse riding
      • Hot air ballooning
      • Kayaking
      • Paragliding
      • Sky diving
      • White water rafting

      Results

      Your filters

      Clear all filters

      Product selected for a detailed comparison

      Clear all

      Get full access to all our tests and reviews

      or Log in