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Europe travel insurance

Travelling to Europe? Consider what cover you may need

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Travel insurance for Europe

The history, charm, and beauty of Europe is something you need to experience at least once. And with so many countries to pick from, you’re spoilt for things to do and see.

No matter how many places on your Europe holiday bucket list — from the rolling hills of Switzerland to island-hopping your way through the Greek islands — you can travel with the feeling of freedom knowing you have cover with RACV Travel Insurance.

It's insurance that gives you 24-hour overseas emergency assistance, $unlimited hospital cover,^ plus cover for your listed dependants.+

Plus, inclusions like $10 million in legal liability cover and cover for emergency expenses if your trip gets interrupted by natural disasters and severe weather conditions.#

Whether you may need overseas medical expenses coverage while you are in Europe, or protection playing non-professional sport or a selection of adventurous activities, discover the extra peace-of-mind RACV Travel Insurance inclusions can provide to help you prepare for the best on your European adventure.#

Flexible coverage to suit your trip

For an extra boost of protection, you have the option to include a range of extras in your policy including cruise** or ski cover.# Even if you don't need extras, the flexibility of your policy means you'll get to choose the excess you’ll pay per claim.†

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Know what you have cover for during your stay in Europe

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Itinerary changes

While your travel plans in Europe are coming together, you are covered for a range of unexpected events causing delays or changes. You can adjust your destination, change your travel dates, or add new travellers until the day you leave, subject to payment of the applicable premium.#

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Luggage and travel document replacement, credit for delayed luggage

For approved claims, luggage will be repaired or replaced if it gets lost, is stolen or damaged. For lost travel documents and credit cards, or those illegally used by someone other than you or your travelling companion, there is cover for their replacement or cost resulting from their fraudulent use. Lastly, receive reimbursement towards clothing and essentials if your luggage is delayed by over ten hours.#

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Round-the-clock emergency medical assistance

Give yourself some defence for unforeseen circumstances with 24/7 overseas emergency assistance and $unlimited hospital cover.^ Receive $50 per 24 -hour period if your stay in hospital exceeds 48 hours. Plus, be covered for a range of automatically covered conditions including Diabetes Type 1 and 2, high blood pressure~ and cover for pregnancy up to the 25th week provided conditions meet specific criteria.#

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Sports and activities

Add cover for ski and winter sports for eligible policies. Or explore more than 30 activities already covered (criteria applies).#

Add ski cover Explore sports

^ ‘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 combined PDS/FSG for full details.

+ 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. Terms, conditions, exclusions, limits and sub-limits apply. Refer to PDS for full details.

# Terms, conditions (including eligibility criteria), limits, sub-limits and exclusions apply. Refer to combined PDS/FSG for full details.

** Refer to combined PDS/FSG to determine if Cruise cover is required for your trip. Terms, conditions, limits, sub-limits and exclusions apply. 

† 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. 

* RACV Member discount applies to the premium only (not applicable taxes).

~ You’re covered automatically for 38 medical conditions if you meet all criteria, as outlined in the PDS. Refer to PDS for full information on medical conditions that are automatically covered.

Assistance and support

Emergency assistance while overseas

The Emergency Assistance Team are available to provide overseas emergency support 24-hours a day. Reverse charges are accepted.

Call as soon as practical if you are hospitalised, or you are receiving outpatient care where the total costs will exceed $2,000.

Travel alerts

Check travel status before you plan your trip and again before you leave.

RACV Travel Insurance won't cover you for destinations with a Department of Foreign Affairs and Trade "Do Not Travel" status.

Need help?

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.

Choose from 3 levels of international cover

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