If you’ve scheduled several trips on your calendar for the next 12 months, an annual travel insurance policy could be suitable for you. RACV Annual Multi-Trip Travel Insurance gives you and your family an unlimited number of trips for a full year - on trips where you travel more than 250km from home. 

Whether you’re travelling solo or with your family, for fun or for business, an annual travel policy can provide cover when you need it most.

We all travel for different reasons, which is why RACV Annual Multi-Trip Travel Insurance can be tailored to your needs. Start by choosing your max duration limit of 30, 45 or 60 days per trip or choice of excess.

Once each trip is complete, the sum insured under each section in the annual travel insurance policy will be reinstated automatically.

Whether you need yearly holiday insurance for separate trips with your family or annual travel insurance for a year of domestic holiday’s or business trips around the world, these policies can provide you with coverage.

train travel in the wilderness

Whether you’re soaking up the sun in Spain or enjoying your leave in Thailand, annual travel insurance gives you cover on the important things. RACV Annual Multi-Trip Travel Insurance provides cover for:

  • Cancellation fees and lost deposits#
  • Overseas medical, hospital and dental#^^
  • Emergency expenses#

Even for domestic travelling, if your destination is further than 250km from your home, you’re covered under the RACV Annual Multi-Trip Travel Insurance policy.

Park Guell is a Gaudi-designed fairy tale park in Barcelona, Spain

#Limits and sub-limits apply. Refer to the Product Disclosure Statement for full details

^^This benefit covers reasonable overseas medical and hospital costs as a result of an injury (including that arising from a Terrorist Act) or illness occurring which first shows itself during your period of insurance. Benefits may be paid up to 12 months from the time you received treatment for the injury or illness, but only for reasonable expenses incurred during that time. Medical treatments must be provided by a legally qualified medical practitioner. You must notify us as soon as practicable of your admittance to hospital.

A happy family enjoying activities on their holiday

Family holidays are a lot of fun, but they involve more preparations to ensure everyone travelling is protected. And with more luggage to potentially lose, getting cover for the whole family should be considered.

RACV Annual Multi-Trip Travel Insurance provides cover for your Children and Grandchildren at no extra cost when they travel with you. You just need to list each family member on the policy. Conditions apply. 1

1. Your children or grandchildren travelling with you up to the age of 25, who are financially dependent on you and not working full time. They must be listed as such on your Certificate of Insurance. They are covered for free provided they do not require medical assessment and are travelling with you the whole time. A child or grandchild can be a child or grandchild of any adult listed on your certificate of insurance.

Kids travel free

Not all roads are travelled alone. That’s why these annual travel insurance plans keep your family covered for free when they travel with you. This includes your partner, children and grandchildren.1

Annual multi-trip benefits

These 12-month travel insurance policies seek to provide cover on your next holiday. From overseas medical, hospital and dental cover*, to insurance for luggage items* and cancellation fees*, annual multi-travel insurance provides the protection you need.

All year assistance

Travelling safely requires having reliable cover. And if you’ll be travelling regularly, annual travel insurance cover is there for you on each trip. With multiple inclusions and an international team available 24/7, you can depend on your cover all year round when you travel. 

*Limits and sub-limits apply. 

1 .Your children or grandchildren travelling with you up to the age of 25, who are financially dependent on you and not working full time. They must be listed as such on your Certificate of Insurance. They are covered for free provided they do not require medical assessment and are travelling with you the whole time. A child or grandchild can be a child or grandchild of any adult listed on your certificate of insurance.

RACV Annual Multi-Trip Travel Insurance provides year-long travel insurance for singles and families. Discover what’s included in the cover below.

Protect yourself and your family from the risks of travelling far from home with cover that stretches over multiple trips throughout the year. From overseas hospital fees to the costs that come from travel delays, RACV Annual Multi-Trip Travel Insurance covers you for unexpected holiday events and expenses.

Summary of Cover

Summary of Cover

Annual Multi-Trip (per Adult)

Cancellation Fees and Lost Deposits#

$unlimited^^

1E: Travel Agent Fees

$4000

Overseas Medical and Hospital

$unlimited**

2B: Cash in Hospital #

$6000

2C: Overseas Dental #

$unlimited

2G: Funeral Expenses Overseas*

$20,000

Luggage #

$15,000

3B: Travel Documents

$5000

3C: Luggage Delay

$750

3E: Personal Money #

$500

Emergency Expenses #

$unlimited^^

4B: Resumption of Journey

$5000

4C: Special Events

$5000

Accidental Death*

$25,000

Accidental Disability*

$25,000

Your Legal Liability

$10,000,000

Rental Car Excess #

$8000

Loss of Income #

$10,400

Financial Default #

$10,000

Domestic Pets^#

$650

Domestic Services^#

$1500

Travel Delay #

Not Applicable

Hijack and Kidnap*#

$10,000

COVID-19 Overseas Medical and Hospital and Emergency Expenses#

Not Applicable

Cancellation Fees and Lost Deposits

Not Applicable

Additional Expenses# and Special Events

Not Applicable

Travel Delay#

Not Applicable

#Limits and sub-limits apply.

 ^^ $unlimited means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit.

** $unlimited means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit. This benefit covers reasonable overseas medical and hospital costs as a result of an injury (including that arising from a Terrorist Act) or illness occurring which first shows itself during Your Period of Insurance. Benefits may be paid up to 12 months from the time You received treatment for the injury or illness, but only for reasonable expenses incurred during that time. Medical treatments must be provided by a legally qualified medical practitioner. You must notify us as soon as practicable of Your admittance to hospital.

 *This cover is per person listed in Your Policy

^This cover is per policy

Please read the Product Disclosure Statement carefully to understand what this policy covers.

Insuring your luggage items with RACV Annual Multi-Trip Travel Insurance covers them for up to $15,000. Whether you’re travelling with your prized golf clubs or your laptop, these travel insurance policies take the sting out of losing expensive items. Discover the amounts for specific luggage items below.

Policy benefits

Policy benefits

Annual Multi-Trip

Cameras and Video Cameras

$3000

Laptops and Tablets

$3000

Golf Clubs

$3000

Smart Phones

$1000

Dental Prosthesis

$1000

Other Items

$1000

When choosing your annual holiday insurance, the best cover will be tailored to your needs and situation. RACV Annual Multi-Trip Travel Insurance offers a range of policy options and extra benefits that you can add onto your plan – giving you the chance to create the cover that suits you best.

Whether you have medical conditions or are preparing for an adrenaline-filled ski trip, choosing the right add-ons can take a big risk out of your worldwide adventures. Find out what you can add to your yearly travel insurance policy below.

  • Cover for medical conditions


    Travelling with medical conditions doesn’t mean you miss out on annual travel insurance cover. Check out the different conditions that are covered by RACV Travel Insurance policies here, for all other conditions you can complete an online assessment to see if we can cover them as well.

  • Ski and winter sports cover


    A ski holiday is a great way to cool off and get your blood pumping. If you’re planning a winter trip, the right add-on will keep you covered from injuries related to winter sports. Find out more about ski and winter sports and activities cover here

The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations. For copies, visit racv.com.au. Royal Automobile Club of Victoria (RACV) Ltd AR 001243563 is an authorised representative of the issuer and receives commission for each policy sold or renewed. RACV Travel Insurance issued by Tokio Marine & Nichido Fire Insurance Co., Ltd ABN 80 000 438 291 AFSL 246 548. Terms & conditions apply, refer to the PDS.