Domestic Travel Insurance

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

Receive a free Global SIM when you purchase Travel Insurance.

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 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 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, including Annual Multi Trip and 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 children and grandchildren for free on any RACV Travel Insurance policy.

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

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 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. 

RACV Domestic Travel Insurance cruises Sydney Opera House

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

Cover for activities and sports

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 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 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 a level of over 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 security and 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.

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.

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 #



Luggage Delay



Personal Money



Emergency Expenses #



Accidental Death*



Accidental Disability*



Your Legal Liability



Rental Car Excess #



Loss of Income #



Financial Default #



Travel Delay #


#Limits and sub-limits apply. Refer Combined Financial Services Guides and 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.

Domestic cancellation and luggage item limits

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 activities page for more 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 and provides cover for 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

Any financial advice provided by RACV which is set out above is general in nature only and does not take into account your objectives, financial situation or needs. Because of this, you should, before acting on the advice, consider the appropriateness of the advice, having regards to your objectives, financial situation and needs. You should obtain the ''RACV Travel Insurance- Combined Financial Services Guide and Product Disclosure Statement' (PDS) and consider it before making a decision about whether to acquire RACV Travel Insurance.

Where it provides financial services in relation to RACV Travel Insurance (such as financial advice or arranging for the issue of insurance), Royal Automobile Club of Victoria (ABN 44 004 060 833 AR 001243563) is acting as an Authorised Representative of the issuer of the insurance, Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548).