Planning a multi-night ocean cruise? Add Cruise Benefits to your RACV Travel Insurance so you can relax and enjoy the voyage ahead.** River cruises are already covered.ǂǂ
What does Comprehensive Travel Insurance cover?
Designed for travellers who want the highest level of protection, Comprehensive Travel Insurance covers a wide range of events before and during your trip.
Any product information on this page is a summary only. Review each section of the combined PDS/FSG for terms, conditions, exclusions, limits, sub-limits, and any general exclusions that apply.
Who is Comprehensive Travel Insurance designed for?
RACV Comprehensive Travel Insuranceis designed for travellers who want broader protection and higher limits when heading overseas. It’s worth considering for travellers who:
- Have significant prepaid costs: Comprehensive is the only plan that combines flexible cancellation cover with financial default protection, covering you if a travel provider goes bankrupt.
- Carry valuable belongings:Higher luggage limits make Comprehensive a better fit for travellers carrying cameras, laptops or other high-value items.
- Are travelling for a long time:The longer you're away, the more that can go wrong. Unlimited emergency expense cover^ is only available on Comprehensive, making it better suited for extended trips.
- Are travelling with family: With unlimited dependants included at no extra cost++, every member of the family can travel with the broadest level of international cover in the RACV range.
Every traveller’s needs and circumstances are different. It is important to consider your personal situation, travel plans, and what level of cover is appropriate for you before choosing a policy. Please review the combined PDS/FSG to compare benefits and ensure the policy aligns with your requirements.
Why choose RACV Travel Insurance?
Compare different levels of cover
Comprehensive offers the highest level of cover in the RACV International Travel Insurance range, including unlimited emergency expenses~~ and higher luggage limits.
Additional cover options for your trip
Frequently asked questions
Comprehensive Travel Insurance is the highest level of single-trip international travel insurance in the RACV Travel Insurance range, offering a broad range of cover and elevated limits for unexpected events before and during an overseas trip.
A Comprehensive policy includes cover for:
- Overseas medical and hospital expenses
- Lost, stolen or damaged luggage
- Travel delays and emergency expenses
- Overseas emergency evacuation and repatriation
- Rental vehicle excess
- Legal liability
- Domestic pets
Optional add-ons such as Cruise Benefits,** Ski and Winter Sports and cancellation cover can also be added to the policy for your trip.
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Whether comprehensive cover is the right choice depends on your trip, your travel style and what you'd want protection for if something went wrong. You might consider comprehensive cover if you have:
- Significant prepaid bookings: The more you've committed to upfront, the more valuable cancellation protection becomes.
- Extended trips: Longer trips carry more chance of unexpected events, from medical situations to travel delays.
- Valuable belongings: Higher luggage limits provides cover for cameras, laptops and other high-value items.
Comprehensive includes a range of additional benefits that are not available under all plans, including cover for financial default, rental vehicle insurance excess and domestic pets.
Ultimately, the right level of cover comes down to what you're comfortable with. A higher premium buys a broader range of benefits and for some travellers that trade-off is worth it.
Get a quote to find out if Comprehensive Travel Insurance is right for you.
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The cost of Comprehensive Travel Insurance varies depending on a number of factors specific to your trip and circumstances.
Your premium is calculated based on:
- Destination: Some regions carry higher premiums than others.
- Trip length: Generally, the longer the trip, the higher the premium.
- Traveller age: Age is a factor in how premiums are calculated.
- Medical conditions: RACV covers 38 medical conditions automatically on overseas trips.~ Medical conditions that require assessment may attract an additional premium.
- Excess: Choosing a lower excess typically increases your premium.†
- Optional add-ons: Extras like Cruise** or Ski and Winter Sports cover will affect the final price.
The best way to find out what you'll pay is to get a quote – it only takes a few minutes. RACV Members save 15% on their premium.*
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The three levels of international travel insurance are designed for different types of travellers and trips. All three include $unlimited overseas medical and hospital cover^, but they differ significantly in the breadth of cover and limits and sub-limits available.
- Basics is an entry-level option focused primarily on overseas medical cover, along with limited cover for lost luggage and emergency expenses.
- Essentials sits in the middle, adding cancellation cover, luggage delay, travel delay and a range of benefits not available on Basics. Limits are lower than Comprehensive across most categories.
- Comprehensive is the top level of cover for single overseas trips, offering the broadest range of benefits and the highest limits across all categories. It's also the only plan that includes $unlimited dental^, unlimited emergency expenses,~~ domestic petsǂ and financial default cover.##
For a full side-by-side comparison of what's included across all three plans, refer to the RACV Travel Insurance PDS/FSG.
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Not automatically. Cruise cover depends on the type of cruise you're taking and whether you've added the optional Cruise Benefits add-on to your RACV Travel Insurance policy.**
Here's how cruise cover works across different trip types:
- River cruises: both international and domestic river cruises are automatically included in your policy at no extra cost.ǂǂ
- Ocean cruises: you need the optional Cruise Benefits add-on, which can be selected at the time of purchase. This applies to both Australian and overseas cruises.
- Open water sailing: no cover available for small boat sailing that takes place more than 12 nautical miles from any landmass.
When the Cruise Benefits add-on is selected, RACV Comprehensive Travel Insurance provides additional cover for cabin confinementǂ, missed ports, onboard medical, emergency evacuation, missed shore excursions and marine rescue diversionsǂ, on top of the broad range of benefits already on offer in the Comprehensive plan.
Refer to the Cruise Travel Insurance page for more detail.
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RACV Comprehensive Travel Insurance automatically covers 38 listed medical conditions, provided certain criteria are met.~ For conditions not on the list, cover can be applied for through an online medical assessment during your quote.
Here's how it works:
- Covered conditions: 38 medical conditions are covered automatically, including asthma, diabetes and epilepsy, provided specific criteria are met for each condition.
- Conditions requiring assessment: If your condition isn't on the automatic list or doesn’t meet the specific criteria, you can apply for cover through an online medical assessment. If approved, the condition will be listed on your Certificate of Insurance and an additional premium may apply.
- Conditions that can't be covered: If a condition is currently under investigation, awaiting diagnosis or awaiting treatment, cover cannot be offered.
It's important to disclose any relevant medical conditions at the time of purchase – and to notify RACV as soon as possible if your health changes after your purchase and before you depart. Failure to do so may affect the outcome of any related claim.
You can see a full list of automatically covered conditions and the relevant criteria on the Medical Conditions page.
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Comprehensive Travel Insurance offers the broadest cover and highest limits of the three international travel insurance plans.
Here are a few reasons why you should consider RACV Comprehensive Travel Insurance:
- $Unlimited overseas medical, dental and hospital cover^ with 24-hour emergency assistance available wherever you are in the world.
- The highest limits across all categories, from luggage and cancellation to emergency expenses and rental vehicle excess.
- New-for-old luggage replacement applied to lost, stolen or damaged belongings.
- Your kids and grandkids covered for free.++
- 15% Member savings on all RACV Travel Insurance plans.*
- An award-winning Australian Travel Insurance brand.⋄⋄
Get a quote to find out if Comprehensive Travel Insurance is right for you – it only takes a few minutes.
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* RACV Member discount applies to the premium only (not applicable taxes).
^ ‘Unlimited’ means there is no cap on the maximum dollar amount which may be paid out for this benefit, noting that how much is payable for a benefit depends on the specific cover in the relevant section of the Policy Wording and any applicable exclusions. Medical, hospital, dental or any ancillary benefits or expenses incurred more than 12 months from the time treatment for the injury or illness was first received will not be covered. Terms, conditions (including eligibility criteria), limits, sub-limits and exclusions apply. Refer to the combined PDS/FSG for full details.
~~ $unlimited means there is no cap on the maximum dollar amount which may be paid out for this benefit, noting that how much is payable for a benefit depends on the specific cover in the relevant section of the Policy Wording and any applicable exclusions.
## These limits are per policy.
ǂ Daily limits apply.
⋄⋄ For more awards information, refer to https://mozo.com.au and https://www.wemoney.com.au/wemoney-travel-awards-2026.
++ Dependant means any of your children, stepchildren, foster children or grandchildren who are 25 years of age or under at the time you purchase your policy, financially dependent on their parents or grandparents, not working full time, travelling with you for your entire trip and listed on the Certificate of Insurance as your Dependant. Dependants can be covered at no extra cost if they have not disclosed any medical conditions requiring assessment. Terms, conditions, exclusions, limits and sub-limits apply. Refer to the PDS for full details.
** Refer to the combined PDS/FSG to determine if Cruise cover is required for your trip. Terms, conditions, limits, sub-limits and exclusions apply.
ǂǂ Cruise Benefits section does not apply to river cruising. Refer to the combined PDS/FSG for full details.
# Terms, conditions (including eligibility criteria), limits, sub-limits and exclusions apply. Refer to the combined PDS/FSG for full details.
ǁ ‘Moped or Scooter’ (two or three wheeled motor vehicle (including e-scooters) with engine capacity up to 50cc), ‘Motorcycle’ (two or three wheeled motor vehicle (including electronic versions) with engine capacity equal to or greater than 50cc) and ‘Quad Bike’ are defined in the PDS. Cover is subject to general exclusions, including where you are operating or travelling as a passenger without wearing a helmet and driving without meeting specific licensing requirements. Refer to the PDS for full definitions, terms, conditions and exclusions.
Travel tips and insurance guides
Royal Automobile Club of Victoria (RACV) Limited (ABN 44 004 060 833, AR No. 1243563) (RACV) is an authorised representative of the RACV 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 RACV 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 on RACV’s website, or on request from RACV.