Live chat Online Chat now

Domestic Travel Insurance for your Australian holiday

Travel insurance is not something you always consider when travelling within Australia. Yet, the unexpected can happen at any time to anyone. Our Domestic Travel Insurance is a great travelling companion. It provides cover for your luggage items including smart phones and tablets as well as cancellation fees and lost deposits. It provides coverage for cruises within Australian waters and there’s also the option to add Ski and Winter Sports coverage onto your policy if you’re planning a snow holiday. In addition to our comprehensive Domestic Travel Insurance policy, we also offer standalone Domestic Cancellation and Rental Vehicle Excess policies.

Get a quote

Domestic Travel Insurance Policy

For full details of what’s included in RACQ Domestic Travel Insurance, see our Product Disclosure Statement (PDS) and any relevant Supplementary PDS (where applicable).

Get a quote

mobile-phone-icon
We cover up to $7,500 per adult for lost, stolen or damaged luggage items including smart phones, tablets and computers.
Wallet
We cover your cancellation fees and lost deposits for travel and accommodation arrangements if your trip is cancelled or cut short due to unforeseen circumstances.
Cruise-ship
We cover you if you’re going on a cruise in Australian waters or only calling into Australian ports. Select “Australian Cruises” as your country of destination when completing the quote form if you are going on a cruise.
  • Travel Delay
    We cover up to $1,500 for additional meals and accommodation expenses, after an initial 6 hour delay, if your trip is disrupted due to circumstances beyond your control and you cannot claim the expenses from anyone else.
  • Rental Car Excess
    We cover the rental car insurance excess or the cost of repairs which would have been covered under the excess (whichever is lesser) if you rent a vehicle from a recognised rental company and it is involved in an accident whilst in your control and you are legally liable.
  • Optional Ski and Winter Sports Add-on
    Add extra coverage to your Domestic Travel Policy when you plan a holiday including skiing, snowboarding or winter sports.
  • Emergency Expenses
    We pay up to $25,000 for additional travel costs, emergency calls, meal and accommodation expenses within reasonable limits if your trip is disrupted by an event such as natural disaster or severe weather condition, lost or stolen documentation or if your home or business premises in Australia are destroyed by fire, storm, earthquake or flood.
  • Choose your excess
    You can choose to vary your excess. The default excess for our Domestic Travel Insurance Policy is $100 but can be reduced to $0 for an increased premium. Your excess will be shown on your Certificate of Insurance.
  • More Inclusions
    See our Product Disclosure Statement (PDS) and any relevant Supplementary PDS (where applicable).

Domestic Cancellation Policy

For full details of what’s included in RACQ Domestic Travel Insurance see our Product Disclosure Statement (PDS) and any relevant Supplementary PDS (where applicable).

Get a quote

If your trip is cancelled or cut short at any time through circumstances beyond your control, our standalone Domestic Cancellation Policy will cover each listed person for up to $1,000.
Windscreen icon
Covers cancellation fees and lost deposits for travel and accommodation arrangements that you have pre-paid and cannot recover in any other way.
It also covers pre-paid tickets for tours and theme parks that can no longer be used as a result of your trip cancellation.

Rental Car Excess only Policy

For full details of what’s included in RACQ Domestic Travel Insurance see our Product Disclosure Statement (PDS) and any relevant Supplementary PDS (where applicable).

Get a quote

umbrella-icon
Standalone cover for the cost of the rental car excess or the cost of repairs which would have been covered under the excess, whichever is the lesser, if you hire a vehicle from a recognised rental company and it is involved in an accident or stolen.
Person with dollar sign
This cover does not replace rental vehicle insurance provided by the rental company. It provides cover for the excess component up to the applicable benefit limit stated on your Certificate of Insurance.
Wallet
We will cover drivers accepted by the rental company and listed on your rental agreement.

Ski & Winter Sports Optional Add-on

For full details of what’s included in RACQ Travel Insurance see our Product Disclosure Statement (PDS) and any relevant Supplementary PDS (where applicable).

Get a quote

Add extra coverage to your Domestic Travel Policy when you plan a holiday including skiing, snowboarding or winter sports.
Windscreen icon
Covers up to $1,000 for accidental loss, theft of, or damage to, your snow skiing equipment.
If you are injured or become unwell during your trip and are unable to utilise the full duration of your pre-booked and pre-paid ski passes, ski hire, tuition fees or lift passes, we will reimburse you the irrecoverable cost of the unused portion up to $500.
  • Bad Weather and Avalanche
    We pay up to $500 for the reasonable extra travel and accommodation expenses that you need to pay if your pre-booked outward or return trip is delayed for more than 12 hours from your scheduled departure time because of an avalanche or bad weather.
  • Lift Pass
    We pay up to $250 if your lift pass is lost or stolen.
  • More Inclusions
    See our Product Disclosure Statement (PDS) and any relevant Supplementary PDS (where applicable).

How to make a Travel Insurance claim

Making a Travel Insurance claim is quick and easy! Your request will be processed as fast as possible and you will be contacted within 10 working days from when your claim is first received whether over the phone or online. When lodging a claim online you will need to register with the email address you used to purchase your policy. If you need any help or would like to lodge your claim over the phone, please call 1300 207 371, or contact us online.

Make a claim

Frequently asked questions

Cover for cancellation, lost deposits and financial default commences from the date of purchase. All other benefits commence on the trip start date you have stated when purchasing your policy.
Your children and your grandchildren will be covered for free if they meet the following criteria:
  • they are 25 years old or younger;
  • they are financially dependant on their parents;
  • they are not working full time;
  • they do not require a medical assessment;
  • they are travelling with you the whole time; and
  • they are listed on the certificate of insurance.

If they meet the above criteria and you choose our Ski and Winter Sports option, they’ll be covered for this as well. If you have omitted to list them, please contact us before you leave.

RACQ Travel Insurance is issued by Tokio Marine & Nichido Fire Insurance Co., Ltd (Tokio Marine & Nichido) ABN 80 000 438 291, AFSL 246548. Its managing agent, Tokio Marine Management (Australasia) Pty. Ltd. ABN 69 004 488 455 (TMMA) is authorised under a binder to act on behalf of Tokio Marine & Nichido to issue its policies and handle and settle claims in relation to those policies, subject to the terms of the authority. RACQ Operations Pty Ltd ABN 80 009 663 414, AR 234978 is an authorised representative of Tokio Marine & Nichido.

As well as travel insurance, Tokio Marine & Nichido also work with the general insurance market through insurance brokers and provide insurance for commercial and corporate businesses in Australia. Tokio Marine & Nichido was founded in 1879 in Japan, operates in multiple countries and employee thousands of people worldwide.

Please contact us on 1300 338 821 as soon as you realise the error so that we can review and amend where possible. You can also advise us by email at racqsales@tmnfatravelinsurance.com.au with full details of the error and the correct details.

You might also be interested in...

Thrifty Car Hire

RACQ members save 15% off** Thrifty’s daily rates in Australia & New Zealand, along with other exclusive deals and discounts.

Learn more

Airport & Cruise Parking

RACQ members get a 10% discount^ on short to medium term Brisbane Airport parking and cruise parking when booking online.

Learn more

International Travel Insurance

We have a range of Travel Insurance options for overseas travel including Annual Multi Trip cover.

Learn more
* Limits, conditions and exclusions apply. This insurance is issued by Tokio Marine & Nichido Fire Insurance Co., Ltd (Tokio Marine & Nichido) ABN 80 000 438 291, AFSL 246548. Please read the PDS before making a decision about this product.

**All offers are valid until 31 October 2020. 15% discount applies on the base rate (time and kilometre) only. Available at selected locations in Australia and New Zealand only. For full terms and conditions visit racq.com/carhire.

^10% member discount only applies to first 14 days and does not apply to extra day rates. Read the Andrews Airport Parking Terms and Conditions. Read the Gateway Airport Parking Terms and Conditions.

Specific terms and conditions, limits (including sub-limits) and exclusions apply to each of our policies and the different benefits. Please read the 'RACQ Travel Insurance- Combined Financial Services Guide and Product Disclosure Statement' for full details.

The information in this article is general advice 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 ''RACQ Travel Insurance - Combined Financial Services Guide and Product Disclosure Statement' and consider it before making a decision about whether to acquire RACQ Travel Insurance.