Domestic travel insurance to explore more of Australia with greater peace of mind

Aussie holidays are made of priceless memories. Capturing iconic views, finally using the snorkel you got for Christmas, enjoying backseat silence on a long drive – those experiences are irreplaceable.

  • RACQ members save 15% on Travel Insurance++
  • Cover for lost, stolen, or damaged luggage, smart phones, tablets, and computers1
  • Cover for cancellation fees and lost deposits if unforeseen circumstances cancel or cut your trip short1, including COVID-197
  • The option to choose your cancellation cover is available on select plans1
  • Choose from our Domestic, Domestic Cancellation or Rental Car Excess plans
  • Optional ski and winter sports1 and cruise cover5      1 night Australian ocean cruises are automatically covered – select Australia as your destination when getting your quote. If you are going on an Australian ocean cruise which is 2 nights or more, you may still require a policy which includes medical cover whilst you are onboard the ship. You will therefore need to select Australian Cruise as your destination. For more information to assist you in selecting the appropriate cover for your cruise, visit the FAQs.5 

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What does my RACQ Domestic Travel Insurance plan cover?

This section only provides a summary of the policy benefits. Review each section of the Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) for terms, conditions, exclusions, limits, sub-limits, and any general exclusions that apply.

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    Up to $7,500 per Adult for lost, stolen, or damaged luggage items including smart phones, tablets, and computers.1

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    Cover for cancellation fees and lost deposits if unforeseen circumstances cancel or cut your trip short, including COVID-197. The option to choose your cancellation cover is available on select plans1

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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 for two nights or more.5

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    Travel delay

    Cover for 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.1

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    Rental car excess
    Cover for 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.1
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    Emergency expenses
    Cover for 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.1
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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.1

Other domestic travel insurance plan options

This section only provides a summary of the policy benefits. For full details, please refer to the Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) and review each section for specific terms, conditions, exclusions, limits, and sub-limits, as well as any general exclusions that apply.

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    Domestic Cancellation Policy

    Coverage is provided for up to $1,000 for each listed adult if your trip is cancelled or cut short at any time through circumstances beyond your control. This cover includes:

    • Cancellation fees and lost deposits for travel and accommodation arrangements that you have prepaid and cannot recover in any other way1
    • Prepaid tickets for tours and theme parks that can no longer be used as a result of your trip cancellation1
    • COVID-19 cover does apply to this policy type7
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    Rental Car Excess Only Policy

    Coverage is provided 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. This cover includes:

    • The excess component up to the applicable benefit limit stated on your Rental Vehicle policy. You can choose up to $8,000 in excess cover1 per policy.11
    • 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.1
    • COVID-19 cover does not apply to this policy type7
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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 equipment1
    • 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 duration1

Why choose RACQ for your travel insurance?

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    Get help when you need it
    Lodge a claim on your RACQ Travel Insurance policy online, 24/7.
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    Customise your cover
    Choose from a range of excess options and cancellation cover for your trip.1
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    21-day cooling off period

    Change of plans? Cancel your policy within 21 days of purchase and get a full refund.1

Manage your insurance

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Domestic travel insurance FAQs

This section only provides a summary of the policy benefits. Review each section of the Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) for terms, conditions, exclusions, limits, sub-limits, and any general exclusions that apply.

Help centre

Contact us

Need help or would like to know more? RACQ offers many convenient ways for you to get in touch with us.

Things to note

++Member discount applies to the premium payable (excluding GST, stamp duty and any other taxes). Offer can be withdrawn/amended at any time without notice.  

1Terms, conditions (including eligibility criteria), limits, sub-limits and exclusions apply. Refer to Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) for full details. Some cover benefit limits or sub-limits may be less than your chosen excess and therefore the insurer may not contribute anything to your claim.

5Refer to Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) to determine if Cruise Cover is required for your trip. Terms, conditions, limits, sub-limits and exclusions apply.

7Limited COVID-19 cover is only available for specific benefits and sub-limits apply. Refer to the PDS for full details inclusions, exclusions and applicable limits.

11These limits are per policy.

RACQ Operations Pty Ltd (ABN 80 009 663 414, AR No. 234978) and Members Travel Group Pty Ltd (ABN 45 144 538 803, AR No.432492) (RACQ) are authorised representatives of the RACQ Travel Insurance insurer Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548) (Tokio Marine). Tokio Marine Management (Australasia) Pty Ltd (ABN 69 001 488 455, AR No. 1313066) is an authorised representative of Tokio Marine, and administers RACQ Travel Insurance as the managing agent on behalf of Tokio Marine. Terms, conditions (including eligibility criteria), exclusions, limits and sub-limits apply. Any advice is general advice only, and does not take into account your specific objectives, financial situation or needs. Before you purchase, please consider the Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) and Target Market Determinations (TMDs) available at racq.com or on request from RACQ.