Choose the travel insurance that’s right for you

Everyone’s idea of a holiday is different. That’s why we have a choice of travel insurance policies to suit travellers. Whether you're travelling internationally or domestically our travel insurance gives you options.

All of our policies come with these great benefits:

  • A 20% discount for members who buy online
  • $Unlimited overseas medical cover
  • Worldwide 24-hour emergency assistance service
  • Choose your own excess

Compare Travel Insurance Options

Travel insurance options for overseas travel

  • Premium: Our most comprehensive cover, with maximum benefits for your overseas trip.
  • Standard: Our mid-range cover, with an extensive list of benefits.
  • Saver: A cost-effective options for overseas travel.
  • Annual Multi Trip: Great value for frequent travellers, available with a range of durations to suit your needs.
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Policy benefits # Premium
(per adult)
Standard
(per adult)
Saver
(per adult)
Annual Multi-Trip (per adult)
Cancellation Fees and Lost Deposits $unlimited $25,000 - $unlimited
Travel Agent Fees $4,000 $2,000 - $4,000
Overseas Medical and Hospital $unlimited $unlimited $unlimited $unlimited
Cash in Hospital $6,000 $3,500 $1,500 $6,000
Overseas Dental $unlimited $2,000 $500 $unlimited
Funeral Expenses Overseas* $20,000 $15,000 $10,000 $20,000
Luggage $15,000 $7,500 $2,000 $15,000
Travel Documents $5,000 $1,500 - $5,000
Luggage Delay $750 $500 - $750
Personal Money $500 $250 - $500
Emergency Expenses $unlimited $25,000 $5,000 $unlimited
Resumption of Travel $5,000 $1,500 - $5,000
Special Events $5,000 $2,000 - $5,000
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 Car Excess $8,000 $4,000 - $8,000
Loss of Income $10,400 $5,200 - $10,400
Financial Default $10,000 $5,000 - $10,000
Domestic Pets $650 - - $650
Domestic Services $1,500 - - $1,500
Travel Delay $3,000 $1,500 - $3,000
Hijack and Kidnap* $10,000 $5,000 - $10,000
Ski and Winter Sports optional add-on
Ski Overseas Medical and Hospital $unlimited $unlimited - $unlimited
Equipment Hire $2,000 $1,000 - $2,000
Ski Pack $1,000 $500 - $1,000
Piste Closure $1,000 $500 - $1,000
Bad Weather and Avalanche $1,000 $500 - $1,000
Lift Pass $500 $250 - $500

*This cover is per person listed in Your Policy
#Limits and sub-limits apply. See pages 17-33 for details

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Travel insurance options for your Australian holiday

  • Domestic: Our most comprehensive cover with maximum benefits for your Australian holiday.
  • Domestic Cancellation: Cover for domestic travel arrangements up to $1,000 per person in case of a change or cancellation.
  • Rental Vehicle Excess: The cost-effective way to cover your rental car insurance excess.
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Policy benefits # Domestic
(per adult)
Domestic Cancellation (per adult) Rental Car Excess (Per policy)
Cancellation Fees and Lost Deposits $unlimited $1,000 -
Travel Agent Fees $2,000 - -
Luggage $7,500 - -
Luggage Delay $500 - -
Personal Money $250 - -
Emergency Expenses $25,000 - -
Accidental Death* $25,000 - -
Accidental Disability* $25,000 - -
Your Legal Liability $10,000,000 - -
Rental Car Excess $5,000 - cover chosen
Loss of Income $5,200 - -
Financial Default $3,000 - -
Travel Delay $1,500 - -
Ski and Winter Sports optional add-on
Equipment Hire $1,000 - -
Ski Pack $500 - -
Piste Closure $0 - -
Bad Weather and Avalanche $500 - -
Lift Pass $250 - -

*This cover is per person listed in Your Policy
#Limits and sub-limits apply. See pages 17-33 for details

Download PDS

If you purchased your policy before the 8th July 2016, or are unsure, please click here to determine your claim process.

How to make a claim

Should you require any additional assistance, you can:

  • Call: 1300 207 371
  • Email: racqclaims@tmnfatravelinsurance.com.au

We aim to process claims as quickly as possible. You will hear from us within 10 working days from the time we receive your claim.

24 hour emergency assistance and claims

If you require assistance our emergency assistance team is contactable 24 hours a day, 365 days a year.

When you call, please have the following information:

  • Your policy number; and
  • a phone number we can call you back on

Contact the emergency assistance team on +61 2 8055 1696

Charges may apply if calling from a pay phone or mobile phone.


Limits, exclusions & conditions apply. RACQ Operations Pty Ltd (ABN 80 009 663 414, AR 246548) is an authorised representative of Tokio Marine & Nichido Fire Insurance Co., Ltd (Tokio Marine & Nichido) ABN 80 000 438 291 AFSL 246548, the insurer underwriting this product. This is general advice only. We do not provide any advice based on any consideration to your objectives, financial situation or needs. Please review your own needs and the combined Product Disclosure Statement and Financial Services Guide before deciding to buy this insurance.