International Travel Insurance

Planning an overseas holiday? Whether you’re embarking on an around-the-world adventure or in search of some rest and relaxation, you can enjoy peace of mind during your trip with RACV international travel insurance.

Peace of mind on your next overseas adventure

If you’ve scheduled several trips on your calendar for the next 12 months, an annual travel insurance policy could be perfect 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, you can rest easy with an annual travel policy that provides cover when you need it most.

train travel in the wilderness
Aerial view of winding road through forest with river

RACV members save

Enjoy your next overseas adventure knowing that you will be covered should something go wrong whilst you’re abroad. RACV members also get a 15% discount on all travel insurance plans. See RACV Travel Insurance policies for a choice of cover.

Travel insurance made simple

 

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.

Hanging lanterns illuminating street in China

Choice of cover for your holiday

 

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 so that we can assist you when you’re far from home.

Reflection of temple in Bangkok as sun sets in the background

Cover for the unexpected

 

Things don’t always go to plan on overseas expeditions. Whether your trip is disrupted by an event like a natural disaster, stolen passport or the unexpected closure of your travel provider, RACV international travel insurance can get your travel plans back on track.

Limits apply. Please read the Product Disclosure Statement for more information about emergency expenses cover.

Elevated view over Guell Park in Barcelona

Why choose international travel insurance with RACV?

Important information: 1. Cancellation fees and lost deposits cover not covered on Travel Care policy, while limits apply for RACV Extra Travel Care. 

Frequent traveller? Find out more about Annual Multi-Trip Insurance.

RACV Summary of 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 offers four international travel insurance policies; Total Travel Care, Extra Travel Care, Travel Care, and Annual Multi-Trip. Each policy offers a different level of cover. Discover what’s included in each policy, below.

* This cover is per person listed in Your Policy
# Limits and Sub Limits apply

Please read the combined Financial Services Guide and Product Disclosure Statement carefully to understand what this policy covers.

Summary of Cover #

Summary of Cover #

Total Travel Care (per adult)

Extra Travel Care (per adult)

Travel Care (per adult)

Annual Multi-Trip (per adult)

Cancellation Fees and Lost Deposits

$Unlimited

$25,000

-

$Unlimited

Travel Agent Fees

$4000

$2000

-

$4000

Overseas Medical and Hospital

$Unlimited

$Unlimited

$Unlimited

$Unlimited

Cash in Hospital

$6000

$3500

$1500

$6000

Overseas Dental

$Unlimited

$2000

$500

$Unlimited

Funeral Expenses Overseas*

$20,000

$15,000

$10,000

$20,000

Luggage

$15,000

$7500

$2000

$15,000

Travel Documents

$5000

$1500

-

$5000

Luggage Delays

$750

$500

-

$750

Personal Money

$500

$250

-

$500

Emergency Expenses

$Unlimited

$25,000

$5000

$Unlimited

Resumption of Journey

$5000

$1500

-

$5000

Special Events

$5000

$2000

-

$5000

Accidental Death*

$25,000

$15,000

-

$25,000

Accidental Disability*

$25,000

$15,000

-

$25,000

Your Legal Liability

$10,000,000

$10,000,000

$10,000,000

$10,000,000

Rental Vehicle Excess

$8000

$4000

-

$8000

Loss of Income

$10,400

$5200

-

$10,400

Financial Default

$10,000

$5000

-

$10,000

Domestic Pets

$650

-

-

$650

Domestic Services

$1500

-

-

$1500

Travel Delay

$3500

$1500

-

$3500

Hijack and Kidnap

$10,000

$5000

-

$10,000

Luggage item limits

Planning on taking your new camera, work laptop, or best jewellery 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 #

Total Travel Care

Extra Travel Care

Travel Care

Annual Multi-Trip

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

If you're planning on driving overseas, apply online for your International Driving Permit with RACV

No two overseas trips are the same, so why not customise your insurance so it meets your requirements? With RACV Travel Insurance, you can choose from the below policy options and add-ons.

Ski and winter sports cover is a must for international trips to snowy destinations. Even if you’re an accomplished winter sports enthusiast, it’s still important to insure yourself against the risk of injury.

If You wish to be covered for these activities during your Trip, You must pay an extra premium.

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.

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

For more information and to view a table of policy benefits, visit RACV Activities Cover

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 international insurance policies.

Are you planning to travel overseas more than once during the next year? RACV’s Annual Multi Trip insurance plan offers coverage for an unlimited number of trips within a 12-month period. It can be purchased for singles, duos and families, and covers dependent children and grandchildren.

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*Terms and Conditions

Benefits are subject to the terms and conditions (including the limits, sub-limits and exclusions) of the insurance policy. Royal Automobile Club of Victoria (ABN 44 004 060 833 AR 001243563) is an Authorised Representative of the underwriter Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548). Any advice provided is general in nature only. Please read the Combined Financial Services Guide and Product Disclosure Statement carefully to understand what this policy covers. Words with special meanings.