International Travel Insurance

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International Travel Insurance

Our International plans provide travel insurance options to suit those looking for either comprehensive or basic cover, including cancellation, luggage, medical and repatriation cover. We have three international single trip plans to choose from -Total Travel Care, Extra Travel Care or Travel Care. Cover applies from when you leave your home to go directly to the place you depart from on your travels, and ends when you return to your home. (Please note there is no cover for medical cost incurred within Australia.)

Annual Multi-Trip Insurance

An Annual-Multi Trip plan is a great option to consider if you are planning on getting away more than once over the next 12 months. Providing comprehensive cover for an unlimited number of trips over a year, your travel insurance commences at the time you leave your home and ceases at the time you return to your home. You can select the maximum duration limit of any one trip from 30, 45 or 60 days.

The cover for cancellation fees and lost deposits begins from the time the travel insurance policy is issued.

  • Summary of Cover

    Policy Benefits #

    Total Travel Care

    (Per Adult)

    Extra Travel Care

    (Per Adult)

    Travel Care

    (Per Adult)

    Annual Multi-Trip

    (Per Adult)

  • 1

    Cancellation Fees and Lost Deposits

    $Unlimited

    $25,000

    -

    $Unlimited 

  •        

    Travel Agent Fees

    $4000

    $2000

    -

    $4000 

  • 2

    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 

  • 3

    Luggage

    $15,000

    $7500

    $2000

    $15,000 

  •   

    Travel Documents

    $5000

    $1500

    -

    $5000

  •   

    Luggage Delays

    $750

    $500

    -

    $750 

  •   

    Personal Money

    $500

    $250

    -

    $500 

  • 4

    Emergency Expenses

    $Unlimited

    $25,000

    $5000

    $Unlimited 

  •    

    Resumption of Journey

    $5000

    $1500

    -

    $5000 

  •   

    Special Events

    $5000

    $2000

    -

    $5000 

  • 5

    Accidental Death*

    $25,000

    $15,000

    -

    $25,000 

  • 6

    Accidental Disability*

    $25,000

    $15,000

    -

    $25,000 

  • 7

    Your Legal Liability

    $10,000,000

    $10,000,000

    $10,000,000

    $10,000,000 

  • 8

    Rental Vehicle Excess

    $8000

    $4000

    -

    $8000 

  • 9

    Loss of Income

    $10,400

    $5200

    -

    $10,400 

  • 10

    Financial Default

    $10,000

    $5000

    -

    $10,000 

  • 11

    Domestic Pets

    $650

    -

    -

    $650 

  • 12

    Domestic Services

    $1500

    -

    -

    $1500 

  • 13

    Travel Delay

    $3500

    $1500

    -

    $3500 

  • 14

    Hijack and Kidnap

    $10,000

    $5000

    -

    $10,000 

* 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 (PDF 297kb) carefully to understand what this policy covers.

Luggage item limits

  • 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 

# Limits and Sub Limits apply.

Excess options

You can choose your excess. The higher the excess you choose, the lower the premium. Your excess will be shown on your Certificate of Insurance.

Ski and Winter Sports Cover

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

  • Section

    Policy Benefits #

    Total Travel Care

    Extra Travel Care

    Travel Care

    Annual Multi-Trip

  • 15

    Ski Overseas Medical and Hospital

    $Unlimited

    $Unlimited

    N/A

    Unlimited

  • 16

    Ski Equipment Hire

    $2000

    $1000

    N/A

    $2000 

  • 17

    Ski Pack

    $1000

    $500

    N/A

    $1000 

  • 18

    Piste Closure

    $1000

    $500

    N/A

    $1000 

  • 19

    Bad Weather and Avalanche Closure

    $1000

    $500

    N/A

    $1000 

  • 20

    Lift Pass

    $500

    $250

    N/A

    $500 

# Limits and Sub Limits apply.

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) is acting for Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 80 000 438 291). Please read the Combined Financial Services Guide and Product Disclosure Statement carefully to understand what this policy covers. Words with special meanings