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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 added peace of mind during your trip with RACV International Travel Insurance.
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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.
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.
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 assistance is available when you're far from home.
Terms, limits and conditions apply. Please read the Product Disclosure Statement for more information.
Things don’t always go to plan on overseas expeditions. Whether your trip is disrupted by an event like an unexpected natural disaster or stolen passport, RACV International Travel Insurance lets you choose the cover that suits your needs.
Terms, limits and conditions apply. Please read the Product Disclosure Statement for more information.
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 for multiple trips per year.
Important information: 1. Cancellation fees and lost deposits cover not covered on Basics policy, while limits apply for Essentials. *Terms, limits and conditions apply. Please read the Product Disclosure Statement for more information about medical, hospital and dental cover.
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.
Summary of Cover
Summary of Cover
Comprehensive (per Adult)
Essentials (per Adult)
Basics (per Adult)
Annual Multi-Trip (per Adult)
*#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.
Policy benefits
Policy benefits
Comprehensive (per Adult)
Essentials (per Adult)
Basics (per Adult)
Annual Multi-Trip (per adult)
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:
- be conducted through a commercial operator; and
- be available to the general public; and
- not be considered Extreme Risk; and
- not require any special skills, pre-fitness training program prior to the participation of the activity, or a high level of fitness to undertake.
Policy benefits
Policy benefits
Comprehensive (per Adult)
Essentials (per Adult)
Basics (per Adult)
Annual Multi-Trip Plan (per Adult)
#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.
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Travel alerts
Think carefully before visiting countries/regions with DFAT travel advisory of "Do Not Travel", RACV Travel Insurance won't cover you for these destinations.
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Review or manage your policy
For full details on how you’re covered, read the RACV Travel Insurance Product Disclosure Statement.
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. 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. 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.