Domestic travel insurance for for Australians travelling within Australia, combining comprehensive cover and emergency assistance when you need advice or support.
The Australian Travel Plan provides comprehensive travel insurance for trips within Australia (including Norfolk Island). The policy is available to residents of Australia of any age and can be purchased a maximum of 12 months in advance of the trip.
Policies include comprehensive benefits, with optional additional benefits like increased rental vehicle excess cover and snow sports cover available if required.
Schedule of benefits
|Cancellation and additional expenses|
|Cancellation or holiday deferment costs||Chosen limit+|
|Agents cancellation fees sub-limit||$2,000|
|Emergency travel arrangements and accommodation expenses||$10,000|
|Meals sub-limit (daily limits apply)||$500|
|Emergency internet/telephone sub-limit||$250|
|Medical evacuation and repatriation|
|Medical evacuation and repatriation||$50,000|
Extra travel cover
|Travel delay (daily limits apply)||$500|
|Missed connection - special events||$2,000|
|Missed connection - flight delay within Australia||$3,000|
|Emergency accommodation due to terrorism (daily limits apply)||$3,000|
|Emergency expenses to avoid disaster||$1,000|
|Early return home||$2,000|
|Rental vehicle expenses|
|Rental vehicle insurance excess||$5,000+|
|Return of rental vehicle||$750|
|Luggage and personal effects maximum limit||$4,000|
|Personal computer, camera and video individual item limit||$1,000|
|Smartphone individual item limit||$1,000|
|Other individual item limit||$500|
|Hiring replacement golf and surf equipment||$200|
|Replacement passports and travel documents||$3,000|
|Fraudulent use of credit or debit cards||$3,000|
|Accompanying children sub-limit||$1,000 per child|
|Financial default of travel providers|
|Financial default of travel service providers||$5,000|
|+ This is a limit per policy and is the most that the insurer will for all people on your Certificate of Insurance combined (per trip).
^ For up to 12 months after the illness first appears or injury first occurs.
Policies include cover for rental vehicle expenses if renting a vehicle during your trip. This includes cover for the rental vehicle insurance excess if a rented vehicle is damaged in an accident or stolen. A standard limit of $5,000 is automatically included with the policy, and where required this can be increased to a total limit of $10,000 for an additional premium. The rental vehicle must be rented from a rental company have comprehensive motor vehicle insurance for the period of hire.
Cover is also provided for the cost of returning a rental vehicle to the nearest drop-off location if you are unable to do so as a result of an event that is covered by another section of the policy.
The Australian Travel Plan can be purchased after you have started travelling, however a waiting period of 72 hours would apply during which time there would be no cover under the policy. Cover under the policy will commence after the 72-hour waiting period has expired, and there will only be cover for events first occurring after the 72-hour waiting period.
Where an Australian Travel Plan is purchased more than 72 hours in advance of the trip departure date, cover under the Cancellation or holiday deferment costs section of the policy will be subject to a waiting period of 72 hours. Cover under the section will commence after the 72-hour waiting period has expired, and there will only be cover for events first occurring after the 72-hour waiting period.
From 1 July 2016, Australian health arrangements and laws will extend to Norfolk Island, including Medicare and the Pharmaceutical Benefits Scheme. With the introduction of these changes, nib is no longer able to cover medical expenses and medical repatriation for Australian residents visiting Norfolk Island. As a result, travel to Norfolk Island is now covered under the Australian Comprehensive Policy (rather than an international policy).
Copyright © Travel Insurance Cover Australia. Distributing travel insurance online since 2008.
Travel Insurance Cover Pty Ltd, ABN 88 605 310 709 is a distributor of nib Travel Services (Australia) Pty Ltd (nib), ABN 81 115932 173, AFSL No 308461. Before deciding to purchase this product, read the Product Disclosure Statement available from us. This insurance is underwritten by XL Insurance Company SE, Australia branch (ABN 36 083 570 441). XL Insurance Company SE is part of AXA XL, a division of AXA.