Domestic Travel Insurance
An Australian Domestic Travel Insurance policy provides you with the level of cover you need to enjoy a happy worry-free Aussie holiday.
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While many see the value in taking out travel insurance when travelling overseas, did you know that domestic travel insurance is just as important? An RACV Domestic Travel Insurance Policy includes benefits that can cover:
- Cancellation fees and lost deposits
- Travel agent fees
- Lost, stolen, or damaged luggage or personal items
- Luggage delays
- Emergency expenses*
- Travel delays
*Medical costs incurred in Australia are not covered.
Enjoy travel insurance which is specifically designed for domestic travel. You can choose the policy which best suits your next holiday, including RACV Domestic Travel Insurance, RACV Rental Car Excess and RACV Domestic Cancellation policies.
Cover applies from when you leave your home to go directly to the place you depart from for your travels, and ends when you return to your home.
COVID-19 Benefits
RACV Travel Insurance now includes limited COVID-19 cover# on RACV Comprehensive Travel Insurance.
#Limits and sub-limits apply. Refer to the Product Disclosure Statement for full details.
Booking a family holiday in Australia with your kids or grandkids? RACV Travel Insurance policies insure your children and grandchildren at no extra cost.1
Simply add your dependent(s) travelling with you to your Certificate of Insurance.1
1.Dependents such as children, grandchildren, stepchildren, and foster children aged 25 or under at no extra cost provided they are travelling with you the whole time, are financially dependent on their parents or grandparents, not working full time and do not require a medical assessment.
Are you planning on taking a cruise which isn’t leaving Australian waters? Consider an RACV Travel Insurance policy which covers cruises and provides cover for your possessions on board, cancellations if the unexpected happens and 24-hour emergency assistance.
Check with your Cruise provider as the medical providers onboard are not registered with Medicare.
Select “Australian Cruises” as your destination when purchasing a policy.
By selecting Australian Cruise as a destination, this means you will be offered the international policy options and benefits. This will include medical and evacuation benefit whilst at sea. Medical cover is not provided if you go to a medical provider whilst in port in Australia.
When you purchase a policy cruise option must be selected for all ocean voyages more than one night. This will determine the premium you pay.
Australia’s great outback and coastline is packed full of adventure activities for you to enjoy on your next holiday. Whether you’re snorkelling with turtles on the Great Barrier Reef, hiking through the Blue Mountains or Hot Air Ballooning over the Yarra Valley, choose an RACV Travel Insurance policy that suits your needs.
View a full list of activities and sports which are covered under certain conditions under this domestic travel insurance policy.
It’s important to note that domestic travel insurance does not cover medical expenses incurred while in Australia if you are an Australian resident or eligible overseas representative, as these will be covered by Medicare or your private health insurance policy.2
2. View the Product Disclosure Statement for a full list of limits, exclusions and inclusions for RACV Domestic Travel Insurance Policies.
With RACV Domestic Travel Insurance, you also have a level of cover for travel agent’s cancellation charges and lost frequent flyer points, subject to the limits and terms and conditions set out in the Product Disclosure Statement. Situations like these can have knock-on effects which can eat into your holiday budget and savings. A domestic travel insurance policy will provide you with added peace of mind.
Cover for cancellation fees and lost deposits begins from the time the travel insurance policy is issued.
*Terms, limits and conditions apply. Exclusions for unattended items and luggage apply. Please read the Product Disclosure Statement for more information.
When it comes to choosing a domestic travel insurance policy for your next Australian holiday, you need to ensure that the policy you choose has all the inclusions you need.
Domestic travel insurance policies provide a different level of cover to international travel insurance policies. From cover for cancellation fees and lost deposits to luggage delay, emergency expenses and travel delays, discover what’s included in an RACV Domestic Travel Insurance policy below.
* This cover is per person listed in your policy.
Please read the Product Disclosure Statement carefully to understand what this policy covers. Importantly, please note that exclusions, limits and sub limits apply.
COVID-19 Benefits
RACV Travel Insurance now includes limited COVID-19 cover# on RACV Comprehensive Travel Insurance.
#Limits and sub-limits apply. Refer to the Product Disclosure Statement for full details.
Summary of cover
Summary of cover
Domestic (per adult)
Cancellation (per adult)
Rental Car Excess (per policy)
*#Limits and Sub Limits apply. See pages 10-23 for details. ^^$unlimited means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit. **$unlimited means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit. This benefit covers reasonable overseas medical and hospital costs as a result of an injury (including arising from a Terrorist Act) or illness occurring which first shows itself during Your Period of Insurance. Benefits may be paid up to 12 months from the time You received treatment for the injury or illness, but only for reasonable expenses incurred during that time. All medical treatments must be provided by Your Treating Doctor or Our Consulting Medical Officer. You must notify Us as soon as practicable of Your admittance to hospital. *This cover is per person listed in Your Policy. ^This cover is per policy. +This Sub Limit is a subset of this overall policy benefit section. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations. For copies, visit racv.com.au. RACV Travel Insurance issued by Tokio Marine & Nichido Fire Insurance Co., Ltd ABN 80 000 438 291 AFSL 246 548. Terms & conditions apply, refer to the PDS. Royal Automobile Club of Victoria (RACV) Ltd AR 001243563 is an authorised representative of the issuer and receives commission for each policy sold or renewed.
Are you planning on taking any valuable items such as your laptop, phone or golf clubs with you on holiday? Be sure to check whether the value of these personal items fall within the policy limit shown below to ensure they are adequately covered.
Policy benefits
Policy benefits
Domestic (per adult)
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Ski and winter sports cover
If you are planning on hitting the slopes on your next Australian holiday, then you will need to purchase Ski and Winter Sports Cover. This add-on will cover you for winter sports activities such as skiing or snowboarding. See activities page for more details. -
Annual multi-trip plan
Planning on taking more than one holiday around Australian in the next 12-months. Save yourself the hassle of needing to re-apply each time and take out an Annual Multi-Trip Plan policy with RACV Travel Insurance. 3This policy provides you with the same level of cover as a one-trip domestic travel insurance and provides cover for accompanied children and grandchildren. It also provides year-round cover for your travel provided you are 250km from your home.
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Excess options
You can choose to vary your Excess, which is the amount you must pay if you have a claim. The Excess you choose will either increase or reduce Your Premium. The Plan Type you select has the following Excess ranges: • Domestic $0 or $100 Your Excess will be shown on your Certificate of Insurance
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Medical conditions
Check out the list of different conditions and their criteria that are covered by RACV Travel Insurance policies here, for all other conditions you can complete an online assessment to see if the insurer can cover them as well. Even though medical treatment is not covered while in Australia,. You may need to declare conditions to cover for other benefits such as cancellation fees.
3. In respect of any Annual Multi-Trip plans means the travel You are undertaking and commences from the time You leave Your Home or place of departure to start Your Trip until You return Home or until the end of the Period of Insurance shown on the Certificate of Insurance, whichever is sooner. The length of any one Trip cannot exceed 30, 45 or 60 days (depending on the plan chosen) and must be at least 250Kms from Your home.
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Travel alerts
RACV Travel Insurance won't cover you for countries/regions with a DFAT travel advisory of "Do Not Travel".
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Review or manage your policy
For full details on how you’re covered, read the RACV Travel Insurance Product Disclosure Statement.
The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations. For copies, visit racv.com.au. Royal Automobile Club of Victoria (RACV) Ltd AR 001243563 is an authorised representative of the issuer and receives commission for each policy sold or renewed. RACV Travel Insurance issued by Tokio Marine & Nichido Fire Insurance Co., Ltd ABN 80 000 438 291 AFSL 246 548. Terms & conditions apply, refer to the PDS.