Holidays at Home

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The maximum number of people you can have on a Zoom policy is 25.
Your kids go free
This means your dependant children or grandchildren under the age of 19 at the date of policy issue who are travelling with you.


It's easy to overlook travel insurance when travelling domestically, but the truth is, travel mishaps can happen anywhere in the world, even when you're travelling in your home country.  Zoom's domestic travel insurance provides comprehensive cover for car hire excess, travel delays, cancellations, loss of or damage to luggage and personal effects when travelling in Australia.



Car Hire Excess


Hiring a car for your Aussie adventure? Zoom's domestic policy covers you up to $5,000 for any dings, dents or theft to your rental vehicle.

Australian owned


We are proud to be Australian owned and operated. Based in Sydney, NSW, our customer service centre is open seven days a week. Fair dinkum!

luggage cover

COVER for your luggage

We get that your stuff is precious. Take off on your domestic trip knowing your luggage is protected with Zoom's award-winning cover.

Adventure activities

Adventure activities

Diving in the reef or trekking in the Blue mountains?  Zoom to great cover with our adventure pack covering you for heaps of adventure sports activities. 

travel delays

travel delays

Setbacks on your sojourn are never much fun. Cover your domestic travel disruptions in a flash with Zoom travel cover. We keep things zippy!

money savings

money savings

Gee whiz, our prices are cheap. However there’s more, we'll match any quote for equal cover with our price match guarantee. Yippee!

easy claims

easy claims

We've done away with lengthy forms and have kept our claims process simple and speedy. We guarantee assessment on fully documented claims in a flash.

Car Hire Excess

Peace Of Mind

You can sit back and relax on your holiday knowing that you're covered by award winning travel insurance.


Many people forget to buy domestic travel insurance when they travel around Australia, but being covered at home is
just as important as it is overseas. Lost luggage, damage to a rental car, flight delays & theft are all situations
that could quickly put a downer on your domestic holiday.
  • Am I covered no matter where I am travelling in Australia?
  • You are covered for travel anywhere in Australia as long as you’re holidaying more than 50km away from your home.

  • Does domestic travel insurance include medical benefits?
  • No. Zoom's domestic policy covers for cancellation fees and lost deposits, luggage and personal effects, rental vehicle excess and much more, but the overseas medical benefit doesn't apply. Refer to our PDS for full policy benefits. 

  • What is rental vehicle excess?
  • Rental vehicle excess is the amount that you would have to pay in the event that your rental vehicle is stolen or damaged, while in your care.  With Zoom's domestic travel insurance, you don't need stress about the crazy hire car excess fees or reducing your excess at the rental agencies counter.   If you have a bingle, we will reimburse you for up to $5,000 for any excess that you have to pay or deductible under your rental vehicle hiring agreement. If you require more cover, you can choose to increase the amount of cover up to $8,000 during the payment process. Note that you may only add or upgrade vehicle excess prior to picking up the car. 

  • Does domestic travel insurance cover for cruising in Australian waters?
  • No, not automatically. You must purchase our Cruise Pack in order to be covered for any medical treatment you receive on board and for helicopter evacuation should you need to get to the nearest hospital. 

  • What age limits apply to domestic travel insurance policies with Zoom?
  • Those over 85 years are unable to purchase a policy with Zoom. All other travellers can purchase a policy for a maximum trip duration of 92 days only.

  • Can I reduce my excess on domestic policies?
  • Yes, if you purchase our Excess Reduction add on, you can reduce your $200 excess to $100. You cannot remove the excess. 

  • Are my golf clubs covered when I travel domestically?
  • Yes. You are covered up to a combined total of $750 for your golf clubs, golf bag and golf trolley. If you are wanting a higher level of cover for individual golf items or higher combined limit you will need to buy the Golf Pack add on. The Golf Pack add on provides cover for your own Golf equipment (golf clubs, golf bag, golf trolley and golf shoes), Golf Equipment Hire (golf clubs, golf bag, golf trolley and golf shoes), Golf Green Fees and Hole in One cover.

  • Is my bicycle covered on my domestic holiday?
  • Yes, however, you will need to buy the Bicycle Pack Add-on to cover your Bicycle. 'Bicycle Pack' covers for any loss, theft of or damage to a bicycle. We will pay or reimburse you up to $5,000 per bicycle and the maximum amount we will pay for all claims combined is $15,000. Please note: No cover is provided under this section for any bicycle accessories (including but not limited to tools, bicycle pumps, lights, helmets, etc.) as these items are covered under luggage and personal effects.

  • I have high-value items; how much can I insure them for?
  • If you have an expensive item that you just can’t leave behind you can insure it separately for up to $5,000. Please note that high value item cover is only available under our comprehensive plan.

  • Can I buy domestic travel insurance for relatives visiting me in Australia?
  • No, Zoom travel insurance policies are available to Australian residents only.


It’s no wonder we brand ourselves as the lucky country. We’ve got white sandy beaches that stretch for miles, technicolor reefs full of coral and marine life, expanses of outback sands like no other and some pretty wacky wildlife to marvel at.

Despite Australia being one of the most remote countries in the world, it is one of the most popular destinations for overseas visitors, which does make you ponder. Why not put your passport away and take a tour in your own backyard with some of the most down-to-earth, friendly folk around?

No matter which part of Australia you’re planning to explore, Zoom’s domestic travel insurance has you covered.  If you’re planning an international trip, you should compare our overseas travel insurance plans. 



Australia is large. Seven million square kilometres in fact, so depending upon which state you’re departing from and where you’re headed, the travel aspect needs to be budgeted for.   Flying is the easiest way to get around, but it is also the most expensive option.  If you’ve got time up your sleeve, hitting the road, especially the Great Ocean one, is a great way to take in the sights and scenes this country has to offer.

There are also pubic bus services or privately-operated coaches such as Greyhound, which offer hop on hop off passes for popular destinations.
Australia is vast and has a vast network of well-maintained roads, which could lead you to some of the world’s most spectacular road trips.  Car hire is relatively affordable, road conditions are generally good, and beyond the big cities traffic fades away.

Catching a train is a convenient and affordable way to travel.  Depending upon the state and where you’re headed you can experience some scenic views.


Consideration needs to be given to school holidays, crowds and when you’re free to travel, but generally, it’s best to avoid the south's chilly winters and the far north's hot, wet summers.


From sophisticated cities to the outback country, tropical sands to rugged cliffs, big-name islands to hidden gems, Australia offers a smorgasbord of sensational places to go. For many Australians, it’s a matter of juggling the distance and the funds to get there when deciding where to go.
Rather than get Sydneysiders and Melburnians riled up with the old ‘battle of the best state’ debate, we’ve decided to focus and highlight top places to visit outside of the city.

THE RED CENTRE, NT: For a truly weird and wonderful experience, get lost in the ancient heart of Australia.  The huge outback region of Central Australia, NT is known as the Red Centre because...well, the rocks and earth are red.   And the skies are spectacularly blue. Take an extraordinary desert adventure, watch Uluru change colour at sunrise and sunset, and experience the culture of the traditional indigenous owners of this land for a quintessential Aussie getaway.

THE GREAT BARRIER REEF, QLD: Off the coast of Queensland, Australia’s Great Barrier is one of the world’s largest coral reefs blessed with an abundance of marine life and breathtaking beauty.  A visit to the reef can be an unforgettable experience from over or under the water.  Beyond diving and snorkelling, you can travel underwater in a mini-submarine, sail aboard a yacht, witness turtles hatching along the beach, take a scenic flight or skydive over the reef.

DAINTREE RAINFOREST, QLD: Rainforests don’t get much more spectacular than the Daintree.  Experience Mother Nature in all her glory with an outdoors holiday showcasing remote wilderness, golden beaches with calm water, hiking tracks, thousands of species of birds and other wildlife and untouched rainforests. Visitors to the area can camp or stay in eco-friendly accommodation.

THE WHITSUNDAYS, QLD: For a true paradise holiday, let the 74 Island Wonders of the Whitsundays wash over you. Whether it’s a family adventure, an eco-style holiday, activity-based or pure luxury relaxation, with its location in the heart of the Great Barrier Reef, there are tours and trips for every type of traveller. Seven of the islands are developed – Hamilton Island, Hayman Island, South Molle Island, Daydream Island, Long Island and Lindeman Island and the remaining are uninhabited national parklands.

GOLD COAST, QLD: Known as the "theme park capital" of Australia’, if you're looking for some thrilling family fun, the Gold Coast has plenty of choices to appeal to all ages. If you're a beach-goer, the Gold Coast has got you covered. Surfers Paradise is the most well known.

BLUE MOUNTAINS, NSW: Be captivated by World Heritage wilderness, the rock formation of the Three Sisters and the blue horizon of eucalyptus trees as you trek through the Blue Mountains.  For a relaxing getaway, enjoy Devonshire tea in Leura or one of the many neighbouring villages.

SYDNEY BRIDGECLIMB, NSW: The burning question often asked: “it costs a lot of money, is it worth it?” To which our answer is, yes!  It’s more of a walk than a climb and you’re locked on with a harness, so health and safety are no concern.  It is undoubtedly overpriced, but once you’re out on the bridge and Sydney’s harbour takes centre-stage, you'll immediately forget the price tag. The wow factor and experience on the other hand will stay with you forever.

MELBOURNE LANEWAYS, VIC: No Melbourne visit is complete without a trip to Melbourne's Laneways.   A vibrant hotspot loved by tourists and locals alike. Enriched in art culture, unique galleries, tiny cafes and hidden bars, there are plenty of one-off treasures to discover around each cobbled corner.

GREAT OCEAN ROAD, VIC: Winding alongside the wild and windswept Southern Ocean, the Great Ocean Road is a spectacular coastal drive. In addition to the famous 12 Apostles rock formation, there are plenty of things to see and do along the way.  With an international reputation as one of Australia’s best surf beaches, Bells Beach is an awesome spot whether you prefer to catch waves or watch them.  A little further along you can go Koala spotting at Kenneth River, where large numbers of these cuddly creatures have set-up home in the blue gums that line the main road. If you're feeling energetic, you can ditch the car and opt for guided walking tours with options from 4 days to 8 days.

MARGARET RIVER, WA: Premium wines and spectacular beaches side-by-side, what more could you want from a holiday?  Located 3 hours drive from Perth, Margaret River is renowned as one of the world’s best wine-producing regions. With over 150 wineries to visit, you're sure to find a new favourite drop.  From casual to fine dining, food lovers are spoilt for choice in Margaret River with the region attracting world-class chefs taking inspiration from the abundance of local fresh produce.  You can enjoy a cold beer at one of the local micro-breweries on a sunny day or swill a Shiraz next to a cosy fireplace in winter. Either way, you can't go past Margaret River for a chilled down south experience.  A magnet for surfers, Margaret River is also home to world-class surf breaks that stretch over 130km of immaculate coastline. Sweeten that with art galleries and luxury accommodation, and Margaret River could just be the most heavenly place on earth.

KANGAROO ISLAND, SA: Home to powder-white beaches, a multitude of exotic wildlife and vast stocks of scrumptious local produce, if you’re visiting South Australia, Kangaroo Island is a must stop. It’s not often you get an opportunity to get up close and personal with sea lions and this is your chance. KI is a budding foodie destination and there are some fantastic B&Bs and farm-stay accommodation options.

SYDNEY AND MELBOURNE BATTLEGROUND:  We’re going to sit on the fence with this one.  Both Sydney and Melbourne are fun cool cities, with trendsetting restaurants, gorgeous coastlines, great shopping and beautiful beaches. If you’re looking for art, culture and museums, Melbourne has the edge.  But if you’re looking for iconic architecture (Sydney Harbour Bridge and Opera House) or to hit the beach, with Bondi and Manly along its shores, Sydney is the crowd-pleaser.


If you're a city slicker heading to the outback for the first time:
  • Australia has flies, a lot of them.

  • Waterholes may have crocodiles in them.

  • Get ready to witness millions of stars you've never seen.

  • Flip-flops might be okay in the warm car but get some proper shoes to protect your feet if you’re going bushwalking.


If you're planning to zoom somewhere else on your holiday, it is important to know that as a result of the Coronavirus (COVID-19) pandemic, the Department of Foreign Affairs and Trade (DFAT) issued an Overall Advice Level of “Do Not Travel” or "Reconsider Your Need" for all countries.  As a result of this government advice, we have temporarily paused issuing overseas travel insurance

We are closely monitoring the situation and look forward to issuing international travel insurance when the time is right.  We encourage anyone planning to travel overseas to regularly review Smartraveller travel advisories for your planned travel destinations.