Planning an overseas trip is an exciting time. You can spend hours choosing your destination, booking your accommodation, and mapping your route. However, choosing the best travel insurance for you doesn’t need to take hours of research. RACV International Travel Insurance policies provide a choice of three levels of cover to choose from. You can even choose RACV Annual Multi-Trip coverage if you plan on taking more than one holiday in the next year.

COVID-19 Benefits

RACV Travel Insurance now includes limited COVID-19 cover# on RACV Comprehensive Travel Insurance.

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

Hanging lanterns illuminating street in China

 

Because each overseas adventure and adventurer is different - your international travel insurance policy needs to be too. Choose from three policies with different levels of cover at different prices, to suit your next overseas holiday. All RACV international policies also come with overseas medical and hospital cover so that assistance is available when you're far from home. 

Terms, limits and conditions apply. Please read the Product Disclosure Statement for more information.

Reflection of temple in Bangkok as sun sets in the background

 

Things don’t always go to plan on overseas expeditions. Whether your trip is disrupted by an event like an unexpected natural disaster or stolen passport, RACV International Travel Insurance lets you choose the cover that suits your needs. 

Terms, limits and conditions apply. Please read the Product Disclosure Statement for more information.

Elevated view over Guell Park in Barcelona

If you’ve scheduled several trips on your calendar for the next 12 months, an annual travel insurance policy could be suitable for you. Annual Multi-Trip Travel Insurance gives you and your family cover 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 for multiple trips per year.

train travel in the wilderness

24 hour assistance

The team of emergency assistance experts are available to provide support 24-hours a day. They can help you find the resources you need to make your way home safely. Help is at hand. 

Overseas medical cover

Anyone can fall ill or sustain injuries while travelling abroad. By choosing to insure your trip through RACV Travel Insurance, cover is available for overseas medical on all international travel insurance policies, as well as cover for hospital and dental.*

Cover for cancellation fees & lost deposits

In addition to being covered for illnesses and injuries, certain policyholders can also claim for unforeseeable situations, such as missing luggage and lost deposits.1

Important information: 1. Cancellation fees and lost deposits cover not covered on Basics policy, while limits apply for Essentials. *Terms, limits and conditions apply. Please read the Product Disclosure Statement for more information about medical, hospital and dental cover.

When it comes to selecting the right international travel insurance policy for your next overseas adventure, you need to ensure that the policy you choose has all the inclusions you need. Whether you’re seeking overseas dental and emergency expenses, or a policy which covers your golf clubs, RACV Travel Insurance has a range of policies to choose from.

RACV Travel Insurance offers four international travel insurance policies; Comprehensive, Essentials, Basic, and Annual Multi-Trip. Each policy offers a different level of cover. Discover what’s included in each policy, below.

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

COVID-19 Benefits

RACV Travel Insurance now includes limited COVID-19 cover# on RACV Comprehensive Travel Insurance.

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

Summary of Cover

Summary of Cover

Comprehensive (per Adult)

Includes COVID-19 Benefits

Essentials (per Adult)

Basics (per Adult)

Annual Multi-Trip (per Adult)

Cancellation Fees and Lost Deposits#

$unlimited^^

$25,000

Not Applicable

$unlimited^^

1E: Travel Agent Fees

$4000

$2000

Not Applicable

$4000

Overseas Medical and Hospital

$unlimited**

$unlimited**

$Unlimited

$unlimited**

2B: Cash in Hospital#

$6000

$3500

$1500

$6000

2C: Overseas Dental#

$unlimited**

$2000

$500

$unlimited**

2G: Funeral Expenses Overseas*

$20,000

$15,000

$10,000

$20,000

Luggage#

$15,000

$7500

$2000

$15,000

3B: Travel Documents

$5000

$1500

Not Applicable

$5000

3C: Luggage Delay

$750

$500

Not Applicable

$750

3E: Personal Money

$500

$250

Not Applicable

$500

Emergency Expenses #

$unlimited^^

$25,000

$5000

$unlimited^^

4B: Resumption of Travel 

$5000

$1500

Not Applicable

$5000

4C: Special Events

$5000

$2000

Not Applicable

$5000

Accidental Death*

$25,000

$15,000

Not Applicable

$25,000

Accidental Disability*

$25,000

$15,000

Not Applicable

$25,000

Your Legal Liability

$10,000,000

$10,000,000

$10,000,000

$10,000,000

Rental Car Excess #

$8000

$4000

Not Applicable

$8000

Loss of Income #

$10,400

$5200

Not Applicable

$10,400

Financial Default #

$10,000

$5000

Not Applicable

$10,000

Domestic Pets^#

$650

Not Applicable

Not Applicable

$650

Domestic Services ^#

$1500

Not Applicable

Not Applicable

$1500

Travel Delay #

$3000

$1500

Not Applicable

Not Applicable

Hijack and Kidnap*#

$10,000

$5000

Not Applicable

$10,000

COVID-19 Overseas Medical and Hospital and Emergency Expenses#

$unlimited**

Not Applicable

Not Applicable

Not Applicable

Cancellation Fees and Lost Deposits

$3,500 combined limit

Not Applicable

Not Applicable

Not Applicable

Additional Expenses# and Special Events

$3,500 combined limit

Not Applicable

Not Applicable

Not Applicable

Travel Delay#

$3,500 combined limit

Not Applicable

Not Applicable

Not Applicable

#Limits and sub limits 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 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.

Planning on taking your new camera or laptop on your next overseas holiday? Be sure to check whether its value falls within the policy limit shown below. This will ensure the items you’re taking on holiday are adequately covered by your insurance plan.

Policy benefits

Policy benefits

Comprehensive (per Adult)

Essentials (per Adult)

Basics (per Adult)

Annual Multi-Trip (per adult)

Cameras and Video Cameras

$3000

$1500

$750

$3000

Laptops and Tablets

$3000

$1500

$750

$3000

Golf Clubs

$3000

$1500

$750

$3000

Smart Phones

$1000

$500

$350

$1000

Dental Prosthesis

$1000

$500

$350

$1000

Other Items

$1000

$500

$350

$1000

No two overseas trips are the same, with RACV Travel Insurance, you can choose from the below policy options and add-ons. 

Excess Options You can choose to vary your Excess. The default excess for RACV International Travel Insurance is $250 but can be reduced to $100 or $0 for an additional premium. The default excess for RACV Domestic Travel Insurance Policies is $100 but can be reduced to $0 for an additional premium. Your excess will be shown on your certificate of insurance.

Ski and winter sports cover

When you purchase your policy please select the Ski and Winter Sports option. This will determine the premium you pay.

IMPORTANT: You must purchase Ski and Winter Sports Cover in order to be covered for Overseas Medical and Hospital fees that are incurred following an accident that takes place on the slopes. Not all winter sports are covered. Refer to the Product Disclosure Statement.

If you do purchase this additional coverage, it is a condition of cover that you act in a responsible way to protect yourself and that:

 1. You are On-piste (or if Off-piste, You are with a professional guide at all times)

2. You are not racing or are part of a competition

3. You are not participating in a professional capacity

Policy benefits

Policy benefits

Comprehensive (per Adult)

Essentials (per Adult)

Basics (per Adult)

Annual Multi-Trip Plan (per Adult)

Ski Overseas Medical and Hospital

$unlimited**

$unlimited**

Not applicable

$unlimited**

Equipment Hire^

$2000

$1000

Not applicable

$2000

Ski Pack^

$1000

$500

Not applicable

$1000

Piste Closure^#

$1000

$500

Not applicable

$1000

Bad Weather and Avalanche^

$1000

$500

Not applicable

$1000

Lift Pass

$500

$500

Not applicable

$500

#Limits and sub limits 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 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.

Cruise cover

When you purchase your policy please select the cruise option. This will determine the premium you pay.

Looking for ways to save on insurance costs so you have more money left over for your trip? RACV Members are entitled to a 15% discount on RACV International Travel Insurance policies.

This provides year-round cover for your travel provided you are 250km from your Home.  When you purchase your policy please include the countries you are travelling. This will determine the premium you pay.

Please refer to RACV Annual Multi-Trip Travel Insurance for conditions associated with Annual Multi-Trip plan.

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.