International Travel Insurance

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.}

^{*#Limits and Sub Limits apply. See pages 10-23 for 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. *This cover is per person listed in Your Policy. ^This cover is per policy. +This Sub Limit is a subset of this overall policy benefit section. *** Sub Limit and Policy Limit may apply – please refer to sections 1B and 4C in the PDS 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.}

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.

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, which is the amount you must pay if you have a claim. The Excess You choose will either increase or reduce your Premium. The Plan Type you select has the following Excess ranges:

• Single Trip International policies $0, $100, $250, $500 or $1,000
• Annual Multi-Trip policy is $0, $100 or $250
• Domestic $0 or $100

Your Excess will be shown on your Certificate of Insurance.

Ski and winter sports cover

IMPORTANT: you must purchase Ski and Winter Sports Cover in order to be covered for any Ski and Winter sports benefits listed under Ski and winter sports optional ad-on.

Not all winter sports are covered.

Ski includes snow skiing and snowboarding.

Winter Sports includes. leisure bigfoot Skiing, cat Skiing, cross country Skiing (along a designated cross country ski route only), glacier Skiing, ice hockey, ice skating, luging (on ice only), mono Skiing, Off-piste Skiing (with a professional guide only), recreational Skiing, snowmobiling and tobogganing.

It does include any of the above activities when they are undertaken for competition, including training or practising purposes.

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:

 Specifically, the activity must:

1. be conducted through a commercial operator; and
2. be available to the general public; and
3. not be considered Extreme Risk; and
4. not require any special skills, pre-fitness training program prior to the participation of the activity, or a high level of fitness to undertake.

^{#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

If you require cover for a Cruise, please select the Cruise option when purchasing a policy. This will determine the Premium you pay.

Cover for international river cruising is included automatically and you do not need to select the Cruise option.

Cruise Cover is required for all Ocean Voyages of more than one night.

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.