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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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.
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.
RACV Members get 15% off RACV Travel Insurance
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 alsocome with overseas medical and hospital cover so that assistance is available when you're far from home.
Terms, limits and conditions apply.Please read theProduct Disclosure Statementfor more information.
Cover for the unexpected
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 theProduct Disclosure Statementfor more information.
Find out more about RACV Travel Insurance for cruises
Find out more
If you’vescheduledseveral trips on yourcalendarforthe next 12 months, anannual travel insurance policy could be suitable for you.Annual Multi-Trip Travel Insurance gives you and your familycover for a full year – ontripswhere you travel more than 250km from home.
Whether you’re travelling solo or with your family, for fun or for business, anannual travel policy can provide cover for multiple trips per year.
Why choose RACV International Travel Insurance?
24 hour assistance
The team of emergency assistance experts are available to provide support 24-hours a day. They can help you find the resources you need to make your way home safely. Help is at hand.
Overseas medical cover
Anyone can fall ill or sustain injuries while travelling abroad. By choosing to insure your trip through RACV Travel Insurance, cover is available for overseas medical on all international travel insurance policies, as well as cover for hospital and dental.*
Cover for cancellation fees & lost deposits
In addition to being covered for illnesses and injuries, certain policyholders can also claim for unforeseeable situations, such as missing luggage and lost deposits.1
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 Statementfor more information about medical, hospital and dental cover.
Frequent traveller? Find out more about Annual Multi-Trip Insurance.
Discover more
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 theProduct Disclosure Statementcarefully 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 theProduct Disclosure Statementfor full details.
Summary of Cover
Summary of Cover
Comprehensive (per Adult)
Includes COVID-19 Benefits
Essentials (per Adult)
Basics (per Adult)
Annual Multi-Trip (per Adult)
Section 1 Cancellation Fees and Lost Deposits
1A: Unforeseen Circ*mstances#
$unlimited^^
$25,000
Not Applicable
$unlimited^^
1B: Death, Injury or Illness of Your Relative, Your Travelling Companion or Your Travelling Companion’s Relative#
$1000***
$1,000***
Not Applicable
$1,000***
1C: Emergency Worker Leave+ (Sub Limit)
$1000
$500
Not applicable
$1000
1E:
Travel Agent Fees+ (Sub Limit)
$4000
$2000
Not applicable
$4000
Section 2: Overseas Medical, Hospital, Cash in Hospital, Dental and Related Expenses
2A:Ski and Winter Sports Overseas Medical and Hospital
$unlimited**
$unlimited**
$Unlimited**
$unlimited**
2B:
Cash in Hospital#+ (Sub Limit)
$6000
$3500
$1500
$6000
2C:Overseas Dental#+ (Sub Limit)
$unlimited**
$2000
$500
$unlimited
2G:Funeral Expenses Overseas*+ (Sub Limit)
$20,000
$15,000
$10,000
$20,000
Section 3: Luggage and Personal Money
3A:
Luggage#
$15,000
$7500
$2000
$15,000
3B:Travel Documents+ (Sub Limit)
$5000
$1500
Not Applicable
$5000
3C:Luggage Delay+ (Sub Limit)
$750
$500
Not Applicable
$750
3E:Personal Money+ (Sub Limit)
$500
$250
$5000
$500
Section 4: Emergency Expenses
4A: Emergency Expenses
$unlimited^^
$25,000
Not Applicable
$unlimited^^
4B:Resumption of Travel+ (Sub Limit)
$5000
$1500
Not Applicable
$5000
4C:Emergency Expenses for Death, Injury or Illness of Your Relative, Your Travelling Companion or Your Travelling Companion’s Relative
$unlimited^^**
$25,000***
Not Applicable
$unlimited^^**
4D:Special Events
$5000
$2000
Not Applicable
$5000
Section 5–24
5: Accidental Death*
$25,000
$15,000
Not Applicable
$25,000
6: Accidental Disability*
$25,000
$15,000
Not Applicable
$25,000
7: Your Legal Liability
$10,000,000
$10,000,000
$10,000,000
$10,000,000
8: Rental Car Excess
$8000
$4000
Not Applicable
$8000
9: Loss of Income
$10,400
$5200
Not Applicable
$10,400
10: Financial Default
$10,000
$5000
Not Applicable
$10,000
11: Domestic Pets^
$650
Not Applicable
Not Applicable
$650
12: Domestic Services ^
$1500
Not Applicable
Not Applicable
$1500
13: Travel Delay
$3000
$1500
Not Applicable
Not Applicable
14: Hijack and Kidnap*
$10,000
$5000
Not Applicable
$10,000
Ski and Winter Sports optional add-ons
15:Ski Overseas Medical and Hospital
$unlimited**
$unlimited**
Not Applicable
$unlimited**
16:Equipment Hire^
$2000
$1000
Not Applicable
$2000
17:Ski Pack^
$1000
$500
Not Applicable
$1000
18:Piste Closure^
$1000
$500
Not Applicable
$1000
19:Bad Weather and Avalanche^
$1000
$500
Not Applicable
$1000
20:Lift Pass*
$500
$250
Not Applicable
$500
COVID-19 Benefits
21: COVID-19 Overseas Medical and Hospital and Emergency Expenses#
$unlimited^^
Not Applicable
Not Applicable
Not Applicable
22: COVID-19 Cancellation Fees and Lost Deposits
$3,500 combined limit
Not Applicable
Not Applicable
Not Applicable
23: COVID-19 Additional Expenses# and Special Events
$3,500 combined limit
Not Applicable
Not Applicable
Not Applicable
24: COVID-19 Travel Delay#
$3,500 combined limit
Not Applicable
Not Applicable
Not Applicable
*#Limits and Sub Limits apply. See pages 10-23 for details. ^^$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 circ*mstances 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.
Luggage item limits
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)
Cameras and Video Cameras
$3000
$1500
$750
$3000
Laptops and Tablets
$3000
$1500
$750
$3000
Golf Clubs
$3000
$1500
$750
$3000
Medical Devices
$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
Find out more
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)
15:Ski and Winter Sports Overseas Medical and Hospital
$unlimited**
$unlimited**
Not applicable
$unlimited**
16: Equipment Hire^
$2000
$1000
Not applicable
$2000
17: Ski Pack^
$1000
$500
Not applicable
$1000
18: Piste Closure^
$1000
$500
Not applicable
$1000
19: Bad Weather and Avalanche^
$1000
$500
Not applicable
$1000
20: Lift Pass*
$500
$250
Not applicable
$500
#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.
RACV Member discount
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.
RACV Annual Multi-Trip Travel Insurance plan
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.
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.
Review or manage your policy
For full details on how you’re covered, read the RACV Travel Insurance Product Disclosure Statement.
- Make a claim
- Find a policy document
- Contact us on 13 13 29
Related Links
Emergency assistanceDomestic travel insuranceTravel discountsInternational driving permitsTravel adviceTravel loans
International Sim Card
Airport Parking
International Driving Permit
The information provided is general advice only. Before making any decisions please consider your own circ*mstances 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.