Going on a multi-night ocean cruise? Select your destination then add cruise cover on the next page when getting a quote.** River cruising is already covered.ǂǂ
Enjoy the benefits of RACV Travel Insurance
Enjoy greater peace of mind when holidaying overseas or within Australia.
Choose from 3 levels of international cover
RACV Members save 15% on travel insurance year-round.*
This section only provides a summary of the policy benefits. Review each section of the combined PDS/FSG for terms, conditions, exclusions, limits, sub-limits, and any general exclusions that apply.
Award-winning travel insurance
International Comprehensive: 2023–2025 winner of Mozo Experts Choice Award for Exceptional Quality Travel Insurance.
2025 multi-winner of Mozo People's Choice Awards, including Highly Trusted and Most Recommended Travel Insurance.⋄⋄
Travelling in Australia?
Explore cover for holidays in Australia with 15% off travel insurance for RACV Members year-round.*
This section only provides a summary of the policy benefits. Review each section of the combined PDS/FSG for terms, conditions, exclusions, limits, sub-limits, and any general exclusions that apply.
Additional cover options
For more support, find a policy document or call 13 13 29.
Cruise Travel Insurance
Sports and activities
Discover which adventure activities are covered by domestic and international travel insurance. Plus add cover for ski and winter sports for eligible policies.#
Annual multi-trip cover
Regular traveller? Explore cover for multiple trips within a 12-month period. Select the annual multi-trip tab when getting a quote.#
Medical conditions and pregnancy
You're automatically covered for 38 conditions, when you meet specific criteria. You may need to apply for cover for other conditions.~
Explore options for different travellers
For more support, find a policy document or call 13 13 29.
Frequently asked questions
While you don't need to take out travel insurance, it'll help give you more peace of mind if your holiday doesn't go as planned.
Depending on your policy, RACV Travel Insurance could cover you for lost or stolen luggage, cancellation fees, lost deposits, and overseas medical and hospital expenses.#
For a full list of inclusions, limits, sub-limits and exclusions, read the Product Disclosure Statement.
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RACV offers a range of travel insurance policies, so you can choose one that best meets your needs.
You can pick from 3 levels of international cover – Comprehensive, Essentials and Basics. If you’re going on an overseas trip, consider your budget as well as the benefit limits for each plan level. Explore international travel insurance
Travelling within Australia? Get a broad range of cover with a Domestic Plan, or choose more specialised cover with a Domestic Cancellation or Rental Car Excess Plan. Explore domestic travel insurance
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You can purchase travel insurance as early as you like. Depending on the policy you choose, some policies include cancellation cover that usually starts immediately after you purchase the policy. If you’ve already paid for part of your holiday, this could help cover you for unexpected cancellations or departure interruptions. For full details, please refer to the combined PDS/FSG and review each section for specific terms, conditions, exclusions, limits, and sub-limits, as well as any general exclusions that apply.
About to head on a trip? No worries - you can take out an RACV Travel Insurance policy online, right before you go.
You won't be able to take out a policy if your trip has already started.
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RACV Travel Insurance covers 38 medical conditions automatically, provided you meet specific criteria.~
Check which medical conditions are covered
If you have a medical condition that isn’t automatically covered, you can apply for cover by completing a medical assessment. If accepted, you may need to pay an additional premium.
Refer to combined PDS/FSG for full information on medical conditions that are automatically covered.
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You won't be covered if your destination has a 'Do Not Travel' status.
Stay safe and check the travel status before you plan or start your trip. For more information, visit Smart traveller and see recent travel alerts.
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* RACV Member discount applies to the premium only (not applicable taxes).
# Terms, conditions (including eligibility criteria), limits, sub-limits and exclusions apply. Refer to combined PDS/FSG for full details.
ǂǂ Cruise Benefits section does not apply to river cruising. Refer to 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.
++ 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 PDS 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. 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.
~~ $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.
** Refer to combined PDS/FSG to determine if Cruise cover is required for your trip. Terms, conditions, limits, sub-limits and exclusions apply.
⋄ Limited 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.
⋄⋄ For more awards information, refer to https://mozo.com.au.
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.