Domestic
Travel Insurance

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What is Domestic Travel Insurance?

Domestic travel insurance is your safeguard while travelling within Australia. It covers unexpected costs including trip cancellation and interruption, travel delays, lost or damaged luggage, personal liability and rental vehicle excess. It doesn't cover medical or hospital treatment — within Australia that's handled by Medicare and any private health cover you hold. What it does mean is that if bad weather, an accident or a sudden illness forces you to cancel or cut your trip short, you won't be left carrying the cost of your unused bookings alone.

Why Should You Have Domestic Travel Insurance?

Here are some solid reasons to have cover when you're travelling around Australia:

Illness or Injury

Domestic cover doesn't include medical or hospital costs, but if illness or injury means you have to cancel or cut your trip short, your non-refundable bookings are covered.

Trip Cancellations or Delays

Emergencies or bad weather can disrupt plans. Domestic travel insurance helps recover non-refundable bookings.

Lost or Damaged Luggage

Insurance compensates for lost or damaged luggage, so you can replace essentials without extra costs.

Travel Interruptions

Unexpected changes, like cancellations, are covered, including costs for extra accommodation or transport.

Everything You Need to Know About Domestic Travel Insurance

What does domestic travel insurance cover?

It covers cancellation and trip interruption, travel delays, luggage and personal effects, delayed baggage, personal liability, and rental vehicle excess. It does not cover medical or hospital expenses — within Australia those are handled by Medicare and any private health cover you hold.

How much does domestic travel insurance cost?

The cost depends on factors like trip length, destination, and the coverage chosen. Policies with more comprehensive coverage may be more expensive but provide greater peace of mind.

Does domestic travel insurance cover medical costs?

No. Butter's domestic policy doesn't cover medical or hospital expenses — within Australia those are covered by Medicare and any private health insurance you hold. What it does cover is the flow-on cost when illness or injury disrupts your trip: if you, a travelling companion or a close relative becomes seriously ill or injured and you have to cancel or cut the trip short, your non-refundable bookings are covered.

Do I need domestic travel insurance for short trips?

Yes, even short trips can encounter unexpected events like flight cancellations or lost luggage. Insurance ensures you're covered no matter the length of your journey.

Can I get domestic travel insurance with a pre-existing condition?

Butter automatically covers a defined list of pre-existing conditions at no extra cost, so there's nothing to declare. Conditions outside that list aren't covered. The full list is set out in the Product Disclosure Statement.

We’ve covered the basics in the FAQs, but you’re probably wondering exactly what Butter Insurance protects you from.

Travel with Confidence

Whether you're exploring a new city or unwinding somewhere quiet, we've got you covered. From cancellations and travel delays to lost luggage and rental vehicle excess, our domestic travel insurance helps keep your trip as smooth and stress-free as possible. Enjoy the freedom to travel without worry, knowing that if something unexpected happens, we're here to help.

What you're covered for

Cancellation and Interruption

Luggage and Personal Effects

Delayed Baggage Allowance

Rental Vehicle Excess

Personal Liability

Travel Delay

Why choose Butter?

Got your back

24/7 Emergency Assistance

Having your plans fall apart a long way from home can be stressful. We get it, and we want to make sure you don't feel alone. We have a team on call around the clock, so even if it's 2am in Broome, we've got your back.

Fast claims

We've made claims easy

Our fully online claims service means you can lodge a claim easily and efficiently within your account.
Backed by a world-class customer care experience, our aim is get your claim resoled as quickly and painlessly as possible.

Low excess

$0 excess on most things

We know if you make an insurance claim, paying an excess is the last thing you want to do. That's why you'll pay no excess on claims for things like travel delay, personal liability, rental vehicle excess and more.

Travel with kids

Take your kids with you

If you're traveling with little ones (or not so little anymore ones), they're covered under your policy for a nominal charge, up until the age of 18.
So you can spend more time making memories and less time worrying about accidents happening.

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Domestic Travel

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"Easiest experience I’ve ever had booking travel insurance! The website said it would take two minutes and they meant it. Would definitely use again."

Eliot, 33

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Wherever You're Headed in Australia

A weekend away, a long drive, or a few weeks exploring the other side of the country. If your trip is within Australia, Butter's domestic cover comes with you. One policy covers cancellation and interruption, travel delays, your luggage and personal effects, personal liability and rental vehicle excess, wherever the trip takes you.

Travel Tips & Safety for a Stress-Free Trip

To help make your travels as butter smooth as possible, here are a few articles from our collection:

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