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.

Receive a free Global SIM when you purchase Travel Insurance.

Additional 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 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 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 cover so that we can assist you 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

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.

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

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. *Terms, limits and conditions apply. Please read the Product Disclosure Statement for more information about medical, hospital and dental cover.

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

RACV Travel Insurance International Benefits

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.

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

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

#Limits and sub-limits apply. See pages 34-61 of PDS 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 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.

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.

Excess Options You can choose to vary your Excess. Our default international policy Excess is $250 but can be reduced to $100 or $0 for an increased Premium. Our default for our domestic policy is $100 but can be reduced to $0 for an increased Premium.  Your Excess will be shown on your Certificate of Insurance.

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 Combined Financial Services Guide and 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

Total Travel Care (per Adult)

Extra Travel Care (per Adult)

Travel Care (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. See pages 34-61 of PDS 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 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.

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 international 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’s Annual Multi-Trip Travel Insurance for conditions associated with Annual Multi-Trip plan.

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*Terms and Conditions

Any financial advice provided by RACV which is set out above is general in nature only and does not take into account your objectives, financial situation or needs. Because of this, you should, before acting on the advice, consider the appropriateness of the advice, having regards to your objectives, financial situation and needs. You should obtain the ''RACV Travel Insurance- Combined Financial Services Guide and Product Disclosure Statement' (PDS) and consider it before making a decision about whether to acquire RACV Travel Insurance.

Where it provides financial services in relation to RACV Travel Insurance (such as financial advice or arranging for the issue of insurance), Royal Automobile Club of Victoria (ABN 44 004 060 833 AR 001243563) is acting as an Authorised Representative of the issuer of the insurance, Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548).