Domestic Travel Insurance

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We have three Domestic travel insurance options. Choose from a Comprehensive Domestic Plan, Domestic Cancellation Plan or cover for Rental Car Insurance Excess.

Domestic travel insurance provides cover for you while travelling in Australia only. It largely covers your luggage and the risk of cancellation or disruption of travel and does not include any medical or hospital cover.

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.



Cancellation Fees and Lost Deposits


Travel Agent Fees





Luggage Delay


Personal Money



Emergency Expenses



Accidental Death*



Accidental Disability*



Your Legal Liability



Rental Car Excess



Loss of Income



Financial Default



Travel Delay


* This cover is per person listed in your policy
# Limits and Sub Limits 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 sub limits apply.

Domestic cancellation plan benefits

Rental car excess plan benefits

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

$1000, $2000, $3000, $4000, $5000, $6000, $7000, $8000

Luggage item limits


Cameras and Video Cameras


Laptops and Tablets


Golf Clubs


Smart Phones


Dental Prosthesis


Other Items


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 incident 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

Benefits are subject to the terms and conditions (including the limits, sub-limits and exclusions) of the insurance policy. Royal Automobile Club of Victoria (ABN 44 004 060 833) is acting for Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 80 000 438 291). Please read the Combined Financial Services Guide and Product Disclosure Statement carefully to understand what this policy covers. Words with special meanings