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For domestic travel within Australia, Medicare covers your medical expenses, so the value of domestic travel insurance lies in trip cancellation cover, luggage protection, and travel delay benefits — not medical cover. Whether it's worth it depends on the cost of your prepaid bookings and your risk tolerance.
Consider domestic travel insurance when your prepaid, non-refundable trip costs are significant — a weekend getaway with $300 in bookings may not warrant cover, but a $5,000 domestic holiday with non-refundable accommodation, flights, and tours is worth protecting. It is especially valuable if you or a travelling companion has a medical condition that could cause cancellation, or if you are travelling to a remote area where evacuation or additional transport costs could be substantial.
Some credit cards include travel insurance as a benefit — including limited domestic cover. However, credit card travel insurance often has lower limits, more exclusions, and activation conditions (e.g. you must have paid for the trip with that card). Review the PDS of your card's insurance before relying on it. For significant domestic trips, a purpose-purchased domestic travel policy often provides more comprehensive and reliable protection.
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