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 for free.1

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

1. Children & grandchildren aged 25 & under go for free — provided they are financially dependent on their parents, not working full time, do not require a medical assessment and are travelling with you the whole time and listed on your certificate of insurance.

Family travel with pets in car

Are you planning on taking a cruise around the country which isn’t leaving Australian waters? An RACV Domestic Travel Insurance policy which 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.

When you purchase your policy, please select the cruise option. This will determine the premium you pay. 

Aerial view of the Great Barrier Reef with cruise ships

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

Surf dive and everything in between

2. View the Product Disclosure Statement for a full list of limits, exclusions and inclusions for RACV Domestic Travel Insurance Policies.

Cover for lost or stolen items

Whether your luggage has gone missing on your flight, your new camera has been stolen or your belongings have a been damaged while travelling, you will be covered for the loss, theft or damage of your luggage and personal effects with your domestic travel insurance policy.*

Cover for cancellation fees & lost deposits

RACV Domestic Travel Insurance will provide you with your policy’s level of cover for severe unforeseen circumstances beyond your control, such as travel delays, trip cancellations and amendments.*

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

Policy Benefits

Domestic (per adult)

Includes COVID-19 Benefits

Cancellation Fees and Lost Deposits  #



Travel Agent Fees



Luggage #



Luggage Delay



Personal Money



Emergency Expenses #



Accidental Death*



Accidental Disability*



Your Legal Liability



Rental Car Excess #



Loss of Income #



Financial Default #



Travel Delay #



Cancellation Fees and Lost Deposits

$3,500 combined limit


Additional Expenses# and Special Events

$3,500 combined limit


Travel Delay#

$3,500 combined limit

#Limits and sub-limits apply. Refer to the Product Disclosure Statement for full 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 that 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. Medical treatments must be provided by a legally qualified medical practitioner. 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.

Cancellation benefits

Cancellation benefits

Policy Benefits #

Domestic Cancellation (per adult)


Cancellation Costs#


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


  • 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. 3

    This 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.

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.

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.