Domestic Cover

When you insure your trip with our Domestic Cover travel insurance, you’ll receive these benefits:

• Cover for missed connections
• Cover for lost or damaged luggage and personal belongings
• Cover for flight cancellation and travel delay
• No excess for journeys up to 31 days
• The option to avoid an excess by paying an additional premium for journeys between 32 and 70 days

Our Domestic Cover option doesn’t apply to trips you make to Christmas Island, Cocos Island and cruises operating out of Australian ports so if you’re heading to one of these destinations, please check our range of travel insurance options to find the cover that’s right for you.

Summary of Benefits	Domestic Cover
	Single	Family/Duo
Ambulance, emergency air ambulance, medical, surgical, dental, optical fees, hospitalisationOverseas Medical Expenses	Nil
Accidental loss and damage, personal travel documents up to amounts specified in table* Luggage & Personal Belongings	$2,500	$5,000
The reasonable Cost of replacing business documentsBusiness Documents	Nil
Cover for essential items of clothing and personal requisites if Your luggage is delayed/misdirected by the carrier during Your Journey for more than 12 hours.Emergency Baggage	$300	$600
Money if forcibly removed from Your PersonMoney	Nil
Cover if prepaid travel cancellation fees is as a result of Unforeseen Circumstance (see definition). Cover also for non refundable deposits etc.Cancellation and curtailment	$10,000	$20,000
A benefit payable if Your death results from personal injury sustained during Your Journey Accidental Death	$10,000 p.p.
Loss of incomeLoss of Income	Nil
Cover for legal costs and expenses if a liability claim is lodged. Personal Liability	$500,000	$1,000,000
Cover for pain and suffering as a result of a hijacking of the public transport that You are travelling on. * Daily limits apply.Hijack Compensation	$10,000	$20,000
Reimbursment paid by you or on your behalf. Kidnap & Ransom	Nil
We will pay you an amount towards the costs of resuming Your journey if you have had to return to Australia, following the death of a Relative.Resumption of Journey	Nil
We will pay the reasonable costs incurred for additional meals and accommodation if Your Journey was delayed for more than 6 hours. * Daily limits apply.Travel Delay	$500	$1,000
We will pay for alternative transport if a missed connection prevents You from arriving at a wedding, funeral, conference or sporting event on time.Missed Connections - Special Events	$500	$1,000
If at the time of injury You have more than 25% of Your Duration of Travel remaining (and insurance period) We will reimburse You Your return airfare up to amounts below.Return Airfare Reimbursmen	Nil
We will pay up to $4,000 on Your hire car excessVehicle Hire Excess	$4,000	$4,000
We will pay You up to $50 per day per person for Your out of pocket expenses. ** Cash in Hospital	Nil
Alternative staff costsAlternative Staff	Nil

* Conditions apply please refer to the policy wording. ** Maximum $100 per day.

If you’d like a complete list of the benefits you’ll be entitled to with HBF travel insurance, please refer to our Travel Insurance Policy Wording and Product Disclosure Statement.

Note: An excess of $100 applies to sections A, B1, B2, B3, B4 and C of Gold, Super and Budget policies. An excess buy-out option is available if your trip is less than 90 days.

Ask us about the daily rates which may apply to your holiday. The travel plan you choose must be based on the destination where you’ll spend most of your journey, which includes cruises. If your policy doesn’t reflect this, it may become invalid.

The above table is a brief summary of the benefits of the Domestic Cover travel insurance policy. It’s important that you read this summary in conjunction with this Travel Policy Wording and Product Disclosure Statement (PDS) as age limitations and conditions apply in most cases.

In deciding whether to buy or hold HBF Travel Insurance, you should consider the Travel Insurance Policy Wording and Product Disclosure Statement and whether or not the product is appropriate for you. The HBF Travel Insurance is issued by HBF Insurance Pty Ltd ABN 11 009 268 277 AFSL 229190.

Please read the Financial Service Guide (FSG) before applying for an HBF General Insurance product.