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 cover 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, we also offer standalone domestic cancellation and rental vehicle excess policies.

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Members save 20% on this policy
What does my RACQ Domestic Travel Insurance cover?

To learn about all of the inclusions in our Domestic Travel Insurance policy, see our Product Disclosure Statement (PDS) and any applicable Supplementary PDS.

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    Up to $7,500 per adult for lost, stolen, or damaged luggage items including smart phones, tablets, and computers.^

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    Cancellation fees and lost deposits for travel and accommodation arrangements if your trip is cancelled or cut short due to unforeseen circumstances.^

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    Medical and evacuation benefits whilst at sea if you’re going on a cruise in Australian waters or only calling into Australian ports. Select “Australian Cruise” as your country of destination when completing the quote form if you are going on a cruise.

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    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.^

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    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 the lesser, if you rent a vehicle from a recognised rental company and it is involved in an accident or stolen whilst in your control and you are legally liable to pay. This includes payments that you are responsible for under the terms of your Rental Vehicle agreement following accidental damage to windscreens and tyres.^
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    Emergency expenses
    We pay up to $25,000 for additional travel costs, emergency calls, meals, 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.^
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    Choose your excess

    You can choose to change 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.

RACQ Domestic Travel Insurance optional policies

Check out our Product Disclosure Statement (PDS) and any applicable Supplementary PDS for full details of what's included in your RACQ Domestic Travel Insurance policy.

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    Domestic Cancellation Policy

    Get extra cover for:

    • Up to $1,000 for each listed person if your trip is cancelled or cut short at any time through circumstances beyond your control
    • Cancellation fees and lost deposits for travel and accommodation arrangements that you have prepaid and cannot recover in any other way^
    • Prepaid tickets for tours and theme parks that can no longer be used as a result of your trip cancellation.^
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    Rental Car Excess Only Policy

    Get extra 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^
    • The excess component up to the applicable benefit limit stated on your Rental Vehicle policy. You can choose up to $8,000 in excess cover.^
    • Drivers accepted by the rental company and listed on Your Rental Vehicle agreement.^
    • Payments you are responsible for under the terms of your Rental Vehicle agreement following accidental damage to windscreens and tyres.^
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    Ski & Winter Sports Optional Add-on
    • Up to $1,000 for accidental loss, theft of, or damage to, your snow skiing equipment.^
    • Up to $500 for the unused portion of the irrecoverable cost of your pre-paid and pre-booked ski passes, ski hire, tuition fees, or lift passes if you are injured or become unwell during your trip and are unable to utilise the full duration.
     

Enjoy better holidays with RACQ member benefits~~

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Make the most of your road trip with discounted fuel
Show your card and save 4 cents a litre at Puma Energy service stations.#
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Take advantage of discounted eGift cards
Get 4% off Woolworths eGift cards.
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Send your pets on holiday too
Book your pets into Hanrob Hotel and enjoy a 10% discount.
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Support your community back home
Smile! Your membership helps fund the RACQ Air Rescue Network.

Domestic travel insurance FAQs

Things to note

^Limits (including sub-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 Product Disclosure Statement (PDS) and any applicable Supplementary PDS before making a decision about this product and read the Target Market Determinations (TMDs) before determining whether this product is suitable for your circumstances.

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.

RACQ Operations Pty Ltd (ABN 80 009 663 414 AR 000234978) and Members Travel Group Pty Ltd (ABN 45 144 538 803 AR 000432492) are 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). Any advice set out above is general in nature only, and does not take into account your objectives, financial situation or needs. Before purchasing any travel products, we recommend reviewing the RACQ Travel Insurance Product Disclosure Statement (PDS) and the Target Market Determinations (TMDs) that apply to these products. Whilst the PDS outlines the Terms and Conditions of these products, the TMD’s outline the intended class of customers that comprise the target market for these travel products. This will allow you to consider which products best suit your objectives, financial situation and needs and consider the products appropriateness to your personal circumstances. TMD’s also outline matters involving the distribution and the review of these products. The PDS and TMD’s for each travel product can be found here.

~~ Terms and conditions apply to all offers. View the individual offer for full details. Offer is subject to availability and may be withdrawn at any time without notice.

#Conditions apply. Offer available at participating Puma Energy petrol stations. Visit racq.com/puma for details.