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. 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.

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

^{#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.