Domestic Travel Insurance

An Australian Domestic Travel Insurance policy with RACV provides you with the level of cover you need to enjoy a happy worry-free Aussie holiday.

Explore Australia with confidence

While many see the value in taking out travel insurance when travelling overseas, did you know that domestic travel insurance is just as important? A Domestic Travel Insurance Policy with RACV includes benefits that can cover:

  • Cancellation fees and lost deposits
  • Travel agent fees
  • Lost, stolen, or damaged luggage or personal items

*Medical costs incurred in Australia are not covered. 

  • Luggage delays
  • Emergency expenses*
  • Travel delays

Enjoy comprehensive travel insurance which is specifically designed for domestic travel – so you are only paying for what you really need. You can choose the policy which best suits your next holiday - be it singles, duo or Annual Multi Trip, include add-ons such as Rental Car Excess, or Ski & Winter Sport Cover and increase your luggage limits.

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.

Cover the whole family on the same policy

Booking a family holiday in Australia with your kids or grandkids? At RACV, we make domestic travel insurance for families easy by insuring your children and grandchildren for free on any single, family or duo, or Annual Multi Trip insurance policies.

Simply add your dependent children or grandchildren travelling with you to your Certificate of Insurance.1

1. Children and Grandchildren 25 years and under. Provided they are listed on the policy and do not require pre-existing medical conditions cover. Children and Grandchildren must be 25 years and under at time of purchase and not in full-time employment.

Family travel with pets in car

Enjoy cover for cruises around Australia

Are you planning on taking a cruise around the country which isn’t leaving Australian waters? A domestic travel insurance policy with RACV automatically covers cruises and provides cover for your possessions on board, cancellations if the unexpected happens and 24-hour emergency assistance.

Just remember to select “Australian Cruises” as your destination when applying for Australian cruise travel insurance with us.

RACV Domestic Travel Insurance cruises Sydney Opera House

Frequent traveller? Find out more about Annual Multi-Trip Insurance.

Cover for a range of adventure activities

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, you can rest assured that your domestic travel insurance policy has you covered.

View a full list of adventure activities 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

Surf dive and everything in between

2. View the latest PDS for a full list of limits, exclusions and inclusions for RACV Domestic Travel Insurance Policies.

Why choose domestic travel insurance with RACV?

With RACV Domestic Travel Insurance, you also have cover for travel agent’s cancellation charges and any lost frequent flyer points. 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 security and peace of mind. 

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

RACV summary of cover

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 RACV’s domestic travel insurance policy, below.

* 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 carefully to understand what this policy covers. Importantly, please note that exclusions, limits and sub limits apply.

Summary of cover #

Summary of cover #

Policy Benefits

Domestic (per adult)


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


Domestic cancellation plan benefits

Cancellation benefits #

Cancellation benefits #

Policy Benefits #

Domestic Cancellation (per adult)


Amendment or Cancellation Costs


Luggage item limits

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)

Cameras and Video Cameras


Laptops and Tablets


Golf Clubs


Smart Phones


Dental Prosthesis


Other Items


Domestic policy options and add-ons

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 PDS for full details.

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. 3

This policy provides you with the same level of cover as a one-trip domestic travel insurance policy and can be purchased for single, and family and due which covers accompanied children and grandchildren.

This policy provides year-round cover for your travel provided you are 250km from your home.

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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*Terms and Conditions

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 AR 001243563) is an Authorised Representative of the underwriter Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548). Any advice provided is general in nature only. Please read the Combined Financial Services Guide and Product Disclosure Statement carefully to understand what this policy covers. Words with special meanings.