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  • Worldwide 24-hour emergency assistance
  • $Unlimited overseas medical cover
  • Cover for lost or stolen personal items*
  • RAA members save 10%

We've got you covered on your next adventure

We’re here to make your trip as hassle-free as possible, and to ensure you’re looked after if the unexpected happens.

Whether you’re travelling within Australia or heading overseas, RAA has a range of travel insurance options to give you peace of mind. Plus, RAA members save 10%.

Choose the travel insurance that suits your needs

We’ve got you covered on your next Aussie adventure

We have 3 options available for domestic travel.

Choose from the:

  • Domestic plan
  • Domestic Cancellation only plan
  • Rental Car Excess plan

 


 

Domestic plan:

Domestic plan travel insurance offers that extra peace of mind when taking a trip within Australia. Whether you’re travelling as a family, couple or on your own adventure, we’ve got the right policy to cover your needs.

What are the benefits of RAA’s Domestic plan travel insurance?

Unlimited cover for cancellation fees

Holidaying in Australia can also be a big expense. Don’t be out of pocket for something that is outside of your control. Unlimited cover is where the cancellation or amendment expenses incurred are in reference to severe circumstances beyond Your control that You did not expect or intend. RAA’s Domestic plan can cover the cost if you need to replan, reschedule or rebook your holiday. Refer to section 1 page (44-47) of the PDS for full details. 

Lost deposits resulting from illness or accident

Should an unexpected illness prevent You or Your family from travelling or You have a family emergency that prevents You or Your family from taking your trip? Rest assured RAA’s Domestic plan covers out of pocket expenses as a result of having to cancel or postpone your trip. Lost deposits resulting from illness or accident are in reference to severe circumstances beyond Your control that You did not expect or intend. Refer to section 1 page (44-47)) of the PDS for full details.

Travel delay

Sometimes holidays don’t go to plan. Sometimes there is nothing you can do about it. Weather restrictions, flight delays, missed connections to name a few, are some of the events that can impact your out of pocket expense. If your scheduled transport is delayed for at least 6 hours for reasons outside Your control Your Domestic plan will cover the cost of any extra nights accommodation, travel expenses or meal expenses as a result of delay, up to the daily limits. Refer to section 13 page (66-67) of the PDS for full details.

Domestic car hire excess in case of damage, accident or theft (up to $5000).

Imagine getting stung with a hefty excess from your rental car provider half-way into your holiday. What a damper that would be. With RAA’s  Domestic plan or Rental Car Excess plan’, if you have a ding, damage the car with a rented surfboard, or return from a day of sightseeing to find the car missing – the amount of the rental car excess component will be covered . Refer to section 8 page (61-62) of the PDS for full details.

Luggage and personal items

Luggage can still get lost or stolen travelling domestically. Whether you’re waiting at the carousel and your bag doesn’t show, or you experience the unfortunate event of having your bag stolen, RAA’s Domestic plan will cover personal items up to the amount of $7,500 per adult on the policy. Refer to section 3 page (51-55) of the PDS for full details.

 

Get a quote


 

While our Domestic plan offers a wide range of benefits you can also choose either our Domestic Cancellation Only plan or Rental Car Excess plan to provide limited cover.

Domestic Cancellation Only plan:

The Domestic Cancellation Only plan covers cancellation up to $1000 for travel and accommodation arrangements, that you cannot recover in any other way, if your trip is cancelled or cut short at any time, through severe circumstances beyond your control.

Rental Car Excess plan:

The Rental Car Excess plan covers your rental car insurance excess for an elected value (up to $8,000) if Your rental car is involved in an accident or stolen.

 


 

Find all policy wording, inclusions and exclusion details in the full Product Disclosure Statement (PDF, 913KB)  or visit us in store to pick up a copy in person. 

Benefits are subject to the terms and conditions (including the limits, sub-limits and exclusions) of the insurance policy product. Royal Automobile Association of South Australia Inc (ABN 90 020 001 807) (RAA) is acting for Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL AFSL 246548) (Tokio Marine). RAA may receive a commission which is a percentage of the premium paid and may also receive a portion of the underwriting profit.

Exclusions, limits, and sub-limits apply. This insurance is issued by Tokio Marine. Consider the Combined Financial Services Guide and Product Disclosure Statement (PDF, 913KB) when deciding whether to purchase this product. Any advice set out above is general in nature only, and does not take into account your objectives, financial situation or needs. Before acting on any of this information, you should consider its appropriateness having regards to your personal circumstances.

By completing a quote you agree to the RAA Privacy Policy and Terms and Conditions.

International travel insurance

If you’re travelling overseas, RAA has a range of policies to suit your budget or needs. Choose from Premium, Essentials or Basic.

Our Premium policy includes $unlimited cover for cancellation fees and lost deposits resulting from illness or accident of travellers listed on the policy, $unlimited overseas medical and hospital costs, and $unlimited emergency expenses if your trip is disrupted (limitations are listed in our Product Disclosure Statement (PDF, 913KB).

Get a quote

Benefits are subject to the terms and conditions (including the limits, sub-limits and exclusions) of the insurance policy product. Royal Automobile Association of South Australia Inc (ABN 90 020 001 807) (RAA) is acting for Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL AFSL 246548) (Tokio Marine). RAA may receive a commission which is a percentage of the premium paid and may also receive a portion of the underwriting profit.

Exclusions, limits, and sub-limits apply. This insurance is issued by Tokio Marine. Consider the Combined Financial Services Guide and Product Disclosure Statement (PDF, 913KB) when deciding whether to purchase this product. Any advice set out above is general in nature only, and does not take into account your objectives, financial situation or needs. Before acting on any of this information, you should consider its appropriateness having regards to your personal circumstances.

By completing a quote you agree to the RAA Privacy Policy and Terms and Conditions.

Annual Multi-Trip Travel Insurance

This is a great money-saving option for regular travellers, with cover for an unlimited number of trips over a 12-month period. Your destinations must be at least 250km away from your home and you can choose from a maximum trip length of 30, 45 or 60 days. 

Get a quote

Benefits are subject to the terms and conditions (including the limits, sub-limits and exclusions) of the insurance policy product. Royal Automobile Association of South Australia Inc (ABN 90 020 001 807) (RAA) is acting for Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL AFSL 246548) (Tokio Marine). RAA may receive a commission which is a percentage of the premium paid and may also receive a portion of the underwriting profit.

Exclusions, limits, and sub-limits apply. This insurance is issued by Tokio Marine. Consider the Combined Financial Services Guide and Product Disclosure Statement (PDF, 913KB) when deciding whether to purchase this product. Any advice set out above is general in nature only, and does not take into account your objectives, financial situation or needs. Before acting on any of this information, you should consider its appropriateness having regards to your personal circumstances.

By completing a quote you agree to the RAA Privacy Policy and Terms and Conditions.

Get the latest travel alerts

Be the first to know about official government travel advice, by registering your details with smartraveller.gov.au and subscribing to their ‘travel advice and bulletins’ before you go.

Please note, RAA's travel insurance doesn't provide cover for countries listed by smartraveller.gov.au as ‘Do Not Travel’.

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Things you should know

*Lost or stolen luggage must be reported within 24 hours. Monetary caps apply depending on level of cover.

Any advice set out above is general in nature only, and does not take into account your objectives, financial situation or needs. Before acting on any of this information, you should consider its appropriateness having regards to your personal circumstances.

By completing a quote you agree to the RAA Privacy Policy and Terms and Conditions.

Benefits are subject to the terms and conditions (including the limits, sub-limits and exclusions) of the insurance policy. Royal Automobile Association of South Australia (ABN 90 020 001 807) is acting for Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL ). Royal Automobile Association of South Australia may receive a commission which is a percentage of the premium paid to Tokio Marine & Nichido Fire Insurance Co., Ltd. and may also receive a portion of the underwriting profit. If you’ve got any questions, ask us for more details.

Please read the Combined Financial Services Guide and Product Disclosure Statement (PDF, 913KB) carefully to understand what this policy covers. Importantly, please note that exclusions, limits, and sub-limits apply. This insurance is issued by Tokio Marine and Nichido Fire Insurance Co., Ltd (Tokio Marine and Nichido) ABN 80 000 438 291 AFSL 246548.