Travel Insurance

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Domestic Travel Insurance

We have three Domestic options available. Choose from a Comprehensive Domestic plan, Domestic Cancellation Plan or cover for Rental Car insurance excess.

Domestic travel insurance provides cover for persons travelling in Australia only. Note that this does not include any medical or hospital cover, it covers you largely for your luggage and the risk of cancellation or disruption of travel. Cover applies from when you leave your home to go directly to the place you depart from your travels, and ends when you return to your home.

The cover for cancellation fees and lost deposits begins from the time the travel insurance policy is issued.

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Domestic plan benefits table

Section Policy Benefits Domestic
(Per Adult)
2 Additional Expenses $2,500
3 Amendment or Cancellation Costs $Unlimited
4 Luggage and Personal Effects $7,500
- Camera, Video Camera $1,500
- Laptop $1,500
- Golf Clubs $500
- Mobile Phones $500
- Other Items $500
8 Rental Car Insurance Excess $4,000
9 Travel Delay $1,000
15 Accidental Death $25,000
16 Personal Liability $2,500,000


Domestic cancellation plan benefits table

Section Policy Benefits Domestic Cancellation
(Per Adult)
3 Amendment or Cancellation $1,000


Rental Car excess plan benefits table

Section Policy Benefits Rental Car Excess
(Per Policy)
8 Rental Car Insurance Excess Cover chosen


On the Rental Car Excess plan, You can choose from the
following levels of cover:

  • $1,000
  • $2,000
  • $3,000
  • $4,000
  • $5,000
  • $6,000
  • $7,000
  • $8,000

Please read the Product Disclosure Statement (PDF 326KB) carefully to understand what this policy covers.
Importantly, please note that exclusions, limits and sublimits apply.

Policy options and add-ons

Luggage item limits

You can increase these limits individually

For items which are valued at more than the limits shown above (see Luggage and Personal Effects in Benefits table above), You may increase the item limit by paying an additional premium. 

For a single item You may increase the limit by up to $4,500. For multiple items the overall increase in limits cannot exceed $7,000. You must be able to produce receipts or valuations (less than 12 months old) when claiming for these items.

Increase cover for Your Electronic Equipment

If You simply want higher cover for Your Electronic Equipment, You can increase to a combined limit of $5,000.

You must be able to produce receipts or valuations (less than 12 months old) when claiming for these items.

Increase rental car insurance excess cover

You can increase the level of rental car insurance excess cover available on Your plan by paying an additional premium. This benefit can be increased by up to $3,500.

Motorcycle/moped riding 

You may wish to hire a motorcycle (including a moped) as the driver or a pillion passenger during Your Journey. If You choose to do so You must pay an additional premium and will only be covered if: 

  • the engine capacity is 200cc or less; 
  • You are wearing a helmet;
  • You are not participating in a professional capacity;
  • You are not racing; and
  • whilst in control of a motorcycle, You hold a licence valid in the relevant country.

Note: No cover will apply under Section 16 Personal Liability.

Snow skiing, snowboarding and snowmobiling

If You wish to be covered for these activities during Your Journey, You must pay an extra premium.

Even if You pay the extra premium, You will only be covered if: 

  • You are skiing, or snowboarding On-Piste;
  • You are not racing; and
  • You are not participating in a professional capacity.

By purchasing this cover, We will also cover the cost of hiring alternative equipment up to the amounts shown below (under Section 4) if due to the accidental loss, theft or damage to skiing or snowboarding equipment owned by You.

Domestic plan: $500

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Limits, exclusions and conditions apply. RACV Sales and Marketing Pty Ltd (ABN 11 005 258 702, AR 270432) is an authorised representative of Travel Insurance Partners Pty Limited (ABN 73 144 049 230, AFSL 360138) who issues insurance underwritten by Great Lakes Reinsurance (UK) PLC, trading as Great Lakes Australia (ARBN 127 740 532, ABN 18 964 580 576, AFSL 318603). This is general advice only. We do not provide any advice based on any consideration to your objectives, financial situation or needs. Please review your own needs and the combined Product Disclosure Statement and Financial Services Guide before deciding to buy this insurance.

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