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UK travel insurance

If the UK is calling, consider what cover you may need

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Travel insurance for the UK

The timeless charm of the United Kingdom will have you experiencing the cultural heartbeat of vibrant cities, wandering through historic castles, and soaking in the beauty of quaint villages in the rolling countryside.

Whether you spend hours in world-class museums, see a musical in London’s buzzing West End, or experience a Sunday roast in a traditional pub, you could 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.+

With further cover for lost deposit and cancellation available on select policies if your trip is disrupted due to unforeseen circumstances, discover the extra peace-of-mind RACV Travel Insurance can provide to help you prepare for the best in the UK.#

Flexible coverage to suit your trip

Add a range of extras to your policy including cruise 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 UK holiday

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Itinerary changes and trip cancellations

Change your destination or add another travel stop while avoiding cancellation fees, update your travel dates, or add new travellers until the day you leave, provided that you do not want to make a claim in relation to the change and subject to payment of applicable premium. You’ll also be reimbursed for cancellations and lost deposits if unforeseen circumstances disrupt your trip plans.#

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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 medical assistance

Give yourself some defence against accidents, insect-borne diseases and infections 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 up to 38 pre-existing medical conditions including Diabetes Type 1 and 2, high blood pressure~ and cover for pregnancy up to the 25th week provided conditions meet specific criteria.#

Young family walking in London city.

Annual Multi-Trip policy

An Annual Multi-Trip Travel Insurance plan might be for you if you travel regularly. Get cover for unlimited overseas trips within a 12-month period (with a choice of maximum trip durations) and receive $unlimited overseas medical, hospital and dental cover.^ Plus, receive up to $8,000 for any excess payable on a rental car if you’re involved in an incident while travelling.#

^ ‘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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