Domestic Travel Insurance - Australian Travel Insurance - RACV
contact RACV on 13 72 28. Call 13 13 29 for the holiday line.

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 You for 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)
1 Cancellation Fees and Lost Deposits $Unlimited
Travel Agent Fees $2,000
3 Luggage  $7,500
Luggage Delay $500
Personal Money $250
4 Emergency Expenses $25,000
5 Accidental Death* $25,000
6 Accidental Disability* $25,000
7 Your Legal Liability $10,000,000
8 Rental Vehicle Excess $5,000
9 Loss of Income $5,200
10 Financial Default $3,000
13 Travel Delay $1,500

* This cover is per person listed in Your Policy

# Limits and Sub Limts apply

Please read the combined Financial Services Guide and Product Disclosure Statement (PDF 297kb) carefully to understand what this policy covers.
Importantly, please note that exclusions, limits and sublimits apply.

Domestic cancellation plan benefits table

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

Rental Car excess plan benefits table

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

On the Rental Vehicle 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

Policy options and add-ons

Excess options

You can choose Your excess. The higher the excess You choose, the lower the premium. Your excess will be shown on Your Certificate of Insurance.

Luggage item limits

Item  Domestic
(Per Adult)
Cameras and Video Cameras $1,500
Laptops and Tablets $1,500
Golf Clubs $1,500
Smart Phones $500
Dental Prosthesis $500
Other Items $500

Ski and Winter Sports Cover

Ski and  Winter Sports Cover

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

IMPORTANT: You must purchase Ski and Winter Sports Cover in order to be covered for overseas medical and hospital fees that are incurred following an accident that takes place on the slopes.

If You do purchase this additional coverage, it is a condition of cover that You act in a responsible way to protect Yourself and that:
1) You are On-piste (or if Off-piste, You are with a professional guide at all times)
2) You are not racing or are part of a competition
3) You are not participating in a professional capacity

Section Policy Benefits # Domestic
(Per Adult)
15 Ski Overseas and Hospital N/A
16 Equipment Hire $1,000
17 Ski Pack $500
18 Piste Closure -
19 Bad Weather and Avalanche $500
20 Lift Pass $250



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Related links

Insurance issued by Tokio Marine & Nichido Fire Insurance Co., Ltd (Tokio Marine & Nichido) ABN 80 000 438 291 AFSL 246548.This is general advice only. Please consider your own financial situation, needs and objectives and read the Combined PDS and FSG before deciding to purchase this insurance

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