International Travel Insurance

Need help?

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

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

* 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 #

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.

Policy options and add-ons

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

Policy benefits #

Policy benefits #

Total Travel Care

Extra Travel Care

Travel Care

Annual Multi-Trip

Ski Overseas Medical and Hospital

$Unlimited  

$Unlimited

N/A

$Unlimited

Ski Equipment Hire

$2000

$1000

N/A

$2000

Ski Pack

$1000

$500

N/A

$1000

Piste Closure

$1000

$500

N/A

$1000

Bad Weather and Avalanche Closure

$1000

$500

N/A

$1000

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 246 548). Please read the Combined Financial Services Guide and Product Disclosure Statement carefully to understand what this policy covers. Words with special meanings