I am travelling overseas and then around Australia, what am I covered for while in Australia?
If you have an international policy and travel around Australia as a part of your trip, the domestic portion of your trip will only be covered by policy benefits that apply to domestic travel. This means that you will have cover as per the benefits on your international policy, excluding the following benefits (even if they are included in your overseas policy) while you are travelling domestically:
Overseas 24/7 Emergency Medical Assistance
Overseas Emergency Medical and Hospital Expenses
Overseas Emergency Dental
Overseas Emergency Evacuation and Repatriation
Overseas Hospital Cash Payment
Permanent Disability
Loss of Income
Passport, Credit Cards & Credit Card Fraud
Theft of Cash
Delay of Luggage and Personal Effects
Motorcycle Pack
Covid-19 Overseas Emergency Medical, Hospital and Medical Evacuation Expenses
However, if you are travelling on a cruise within Australia, you might get some other benefits like 24/7 Emergency Assistance, Emergency Overseas Medical, Emergency Medical Evacuation. Please call our friendly team for exploring the right travel insurance product.
As each individual’s circumstances are different, we will assess each claim on a case-by-case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance. 
Any advice is general advice only and does not take into account your individual objectives, financial situation or needs. Consider the PDS as eligibility criteria, policy terms, conditions, exclusions and limits apply.