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Annual multi-trip travel insurance

Year-round cover for multiple holidays# with 15% off for RACV Members

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Year-round travel insurance for multiple holidays

  • Annual travel insurance policy for unlimited trips within a 12-month period.
  • Cover for overseas trips or travel within Australia more than 250km from home.
  • International plans include medical, hospital and dental cover#.
  • Choose your total trip duration — from 30, 45 or 60 max days per trip.
  • Policy available for those aged 75 or under.

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

Your annual multi-trip policy includes

Overseas medical, hospital and dental

All overseas trips include unlimited^^ cover for overseas medical and hospital#.

Emergency expenses

Unlimited** cover for emergency expenses. Up to $5000 for death, injury or illness of your relative or travelling companion#.

Cancellation and lost deposits

  • unlimited^^ cover for unforeseen circumstances#
  • Up to $4,000 for travel agent fees#.

Rental car excess

Up to $8,000 for any excess payable on your rental car, if you’re involved in an incident while travelling#.

Lost or stolen luggage and personal items

Up to $15,000 total benefit for lost or stolen luggage and personal items#. 

Cameras and other personal items

Luggage and personal items includes up to $3,000 for cameras and video cameras, laptops and tablets, golf clubs or medical devices#.

Smart phones and other personal items

Luggage and personal items includes up to $1,000 for smart phones, dental prothesis or other items#.

Why consider RACV Travel Insurance

24/7 emergency assistance

Get overseas emergency assistance 24-hours a day. Make a claim online any time. 

Overseas medical cover

Cover for overseas medical and hospital on international travel insurance policies#, if you fall ill or sustain injuries while travelling.

Cancellation fees and luggage

With the Annual Multi-trip plan, you can claim for missing luggage, cancellations and lost deposits#.

RACV Members save 15%

Already a Member with us? You’ll save 15% on all travel insurance policies. Check if you’re a member.

Kids included for free

Your annual plan covers dependents (children or grandchildren) for free when they travel with you and are listed on your policy¹.

Frequent travellers

Reliable year-round cover for frequent travellers. Once each trip is complete, your sum insured will be automatically reinstated. Benefits, excesses and limits apply for each trip.

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

^^$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 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. All medical treatments must be provided by Your Treating Doctor or Our Consulting Medical Officer. You must notify Us as soon as practicable of Your admittance to hospital.

¹Dependents such as children, grandchildren, stepchildren, and foster children aged 25 or under at no extra cost provided they are travelling with you the whole time, are financially dependent on their parents or grandparents, not working full time and do not require a medical assessment.

Options and add-ons for your policy

No 2 trips are the same. With RACV Travel Insurance, you can choose policy options and add-ons.

Trip duration options

For each holiday you can choose from 30, 45 or 60 maximum days trip duration per policy. 

Excess options

You can choose your excess of $0, $100 or $250. The excess amount you choose will increase or reduce your premium+.

Ski and winter sports cover

Planning on hitting the slopes? Add-on Ski and Winter Sports cover to cover you for winter sports activities. This cover is not available for those over 85.

+Some cover benefit limits or sublimits may be less than your chosen excess and therefore the insurer may not contribute anything to your claim.

Other types of cover

Aerial view of a large white ship at sunset on the open ocean.

Ocean cruise cover

Going on an ocean cruise for more than one night? Choose the Cruise option when buying your policy. International river cruising is already covered.

Paradise jet boat on the water infront of a city.

Sports and activities

Planning an adventure-filled holiday with sports and activities. Check which ones are covered.

Sunny day at Mitre Peak in Milford Sound.

International travel insurance

Explore single-trip policies to suit a range of overseas destinations, from Bali to Europe.

Assistance and support

Emergency assistance while overseas

The team of experts are available to provide emergency support 24-hours a day. Reverse charges are accepted.

Call as soon as practical if you are receiving medical care and the total cost is likely to 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.

Medical conditions and things to consider

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. 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. 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.