1. Travel
  2. Travel Insurance

The coronavirus (COVID-19) may have impacted your travel plans. We advise anyone planning to travel to check smarttraveller.gov.au for the latest advice and updates, or to contact the travel tour provider.


Important information about coronavirus and your travel insurance. Learn more here.

NRMA Domestic Travel Insurance

21-day cooling off period

21-day cooling-off period

You may cancel your policy and receive a full refund of the premium paid as long as you do not wish to make a claim or you haven't departed on your journey.

Cancellation and curtailment for travel insurance

Cancellation and curtailment

If your journey is interrupted or changed, benefits include cover for amendment costs, travel delay and resumption of journey.

Lost luggage cover

Lost luggage and personal items

Receive cover for lost and delayed luggage and personal effects such as phone, camera and laptop computers.

What does NRMA Domestic Travel Insurance cover?

With Domestic Comprehensive and Domestic Cancellation plans, you can receive cover when travelling if something unexpected occurs such as becoming injured, requiring you to rearrange your trip.


Policy benefits include

Additional expenses

Amendment or cancellation costs

Luggage and personal effects

Rental car insurance excess

Bonus cover for self-drive holidays in Australia - Personal Vehicle Insurance Excess

Travel delay

Loss of income

Disability

Accidental death

Personal liability

When making decisions about our insurance, consider the Product Disclosure Statement (PDS) and Target Market Determinations.

If you're a regular traveller

If you frequently travel Australia, a domestic multi-trip policy can save time and money. 

The Domestic Multi-trip Policy from NRMA Insurance* can provide cover for a whole year to travel throughout Australia if travelling more than 250km away from home. For distances less than this, you must spend at least one night in paid accommodation. There are maximum duration options per trip of 15 or 30 days. The shorter the trips, the cheaper your policy may be.

Find out more >

Jayride Airport Shuttle and Transfers

5% discount on domestic travel insurance for NRMA Members^

Get a quote online

Frequently asked questions

Travel insurance is a type of policy that can cover unexpected events, emergencies, accidents, lost or stolen luggage, delays or cancellations that might occur whilst travelling. The level of cover provided will depend on the type of policy chosen. 
The cost of travel insurance varies depending on many factors such as trip duration, country/countries visited, the type of trip and any activities you are planning. Individual factors such as age, pre-existing medical conditions and the level of cover required can also determine the cost of travel insurance.
You could look to reduce the cost of your travel insurance policy in a few ways. If taking more than one trip in a year, it might work out cheaper to purchase a comprehensive annual multi-trip travel insurance policy compared to a single trip policy. You could also consider increasing the excess payable in the event of a claim.
Accidents, delays and lost luggage can easily happen in Australia as they can while travelling overseas. A domestic travel insurance policy provides peace of mind and cover for travel delays, luggage and personal items, travel documents, amendment or cancellation costs, additional expenses and more.
Typically, travel insurance policies cover travellers from the time they leave home and end once they return. A single trip travel insurance policy will provide coverage for the dates selected when purchasing a policy, whilst a comprehensive annual multi-trip policy will cover multiple trips throughout the one year, but may limit coverage for trip duration. The NRMA Comprehensive Domestic Annual Multi Trip domestic policy provides cover for trip durations of 15 or 30 days.
The excess is the amount of a claim that you contribute to. The higher the excess you choose, the lower the premium may be. 
The Domestic Comprehensive Plan and the Domestic Cancellation Plan with NRMA Insurance* have a $50 excess. Other excess amounts may be available.
If during the period of insurance you suffer an injury caused solely and directly by violent, accidental, visible and external means (not caused by a sickness or disease) resulting in you losing income because you were unable to return to your usual place of employment in Australia, the NRMA Domestic Comprehensive Travel Insurance Plan will pay you up to $333.33 per month for your monthly net of income tax wage, but not in respect of the first 30 days after you originally planned to resume your work in Australia and only if your disability occurs within 30 days of the accident.

Yes, you can get travel insurance when pregnant, but there are restrictions around this and cover is limited. Cover is only provided for serious, unexpected pregnancy complications that occur up until the 24th week of pregnancy i.e. up to 23 weeks, 6 days.

If you know you are pregnant at the time of purchasing a policy, you will need to apply for cover of your pregnancy if:

  • there have been complications with this pregnancy or a previous pregnancy;
  • you have a multiple pregnancy e.g. twins or triplets; or
  • the conception was medically assisted e.g. using assisted fertility treatment including hormone therapies or IVF
  • there is no cover for childbirth or costs relating to the health or care of a newborn child are not covered, irrespective of the stage of pregnancy when the child is born.

Domestic travel insurance plans with NRMA Insurance* automatically cover a comprehensive list of activities to cater for a wide range of travellers. Activities include:

  • Abseiling
  • Archery
  • Ballooning
  • Bungy jumping
  • Flying fox
  • Horse riding
  • Jet boating
  • Jet skiing
  • Kayaking
  • Paragliding
  • Parasailing
  • Snorkelling
  • Surfing
  • Trekking
  • White water rafting
  • Working holidays

If you wish to be covered for a different activity such as snow skiing, snowboarding and snowmobiling, an extra premium must be paid. 

If your destination takes you more than 250 kilometres from your home, cover will be provided up to the trip duration you have selected on the Annual Multi-Trip policy. For destinations less than 250 kilometres from home, your trip must include at least one night paid accommodation booked with an accommodation supplier or provider (including a hotel, Bed & Breakfast (B&B), service apartment or peer to peer service such as Airbnb) for cover to be provided for that trip.
Terms and conditions
*National Roads and Motorists' Association Limited ABN 77 000 010 506 is a separate and independent company from Insurance Australia Limited ABN 11 000 016 722 trading as NRMA Insurance (IAL). We may refer customers to IAL and if you take out a NRMA Travel Insurance policy, IAL will pay us a commission of 33% of the premium. ^To get the discount, the new NRMA Travel Insurance policy must be started, completed and paid in full online. The discount will be applied to the total cost of the insurance policy purchased. This offer is only available for purchases online until sold out. Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When we determine your premium on renewal, we may also limit any increases or decreases in your premium by considering factors such as your previous year’s premium amount. This offer cannot be used in conjunction with any other offer or promotion. NRMA Travel Insurance is administered by Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713) and issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507). Please consider your financial situation, needs and objectives and read the Product Disclosure Statement and Target Market Determinations before deciding to buy this insurance. Limits, sub-limits, conditions and exclusions apply. IAL will arrange for the issue of NRMA Travel Insurance.

All information was correct at the time of writing but may change without notice.