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
  • $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.
Get a quote
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.
Get a quote
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.

RACQ Travel Insurance – Win a Cannon DLSR Camera

Terms and Conditions

1. This competition is a promotion run by RACQ Operations Pty Limited ABN 80 009 663 414.

2. Entries and information on prizes and how to enter form part of these terms and conditions (“Terms”).  Entries not completed in accordance with these Terms are ineligible.  Participation in this competition constitutes acceptance of these Terms.

3. The competition is open to residents of Queensland aged 18 years and over who purchase a Travel Insurance product within the specified time frame.

4. Directors, officers, management, employees and other staff (and the immediate families of directors, officers, management, employees and other staff) of the Promoter, related entities and agents of the Promoter are ineligible to enter.

5. The Promoter reserves the right in its sole discretion to disqualify any individual who the Promoter has reason to believe breached any of these conditions, or engaged in any unlawful or otherwise improper misconduct calculated to jeopardise the fair and proper conduct of the competition.  The Promoter’s legal rights to recover damages or other compensation from such an offender are reserved.

6. The competition commences at 1st September 2016 12am and closes at 30th June 2017 11:59pm.

7. Eligible entrants may enter this competition by purchasing a Travel Insurance product during the promotional period.

8. Only one entry per entrant is permitted and only one prize each month will be awarded to the winner.

9. All entries become the property of the Promoter. No responsibility is accepted for late, lost or misdirected entries.

10. The competition will be drawn at 9am on the first Monday of each following month (03/10/16, 07/11/16, 05/12/16, 09/01/17, 06/02/17, 06/03/17, 03/04/17, 01/05/17, 05/06/17 and 03/07/17) by the RACQ Marketing department. Should the Monday fall on a public holiday, the draw will take place the next business day.  

11. Times quoted are local times.

12. There will be one winner per month in this competition who will be chosen at random by the RACQ Marketing department from all eligible entries received in the corresponding month. The Promoter’s decision is final and no correspondence will be entered into.

13. The winner will receive a Canon EOS 750DKIS DSLR Camera with EF-S 15-55mm Lens, $998 (inclusive of GST). The total prize pool value is $9,980, inclusive of GST] (inclusive of GST). Prize components, including without limitation model and colour, may alter at the discretion of the Promoter. Any change in the value of the prize between the publishing date and the date that the prize is claimed is not the responsibility of the Promoter.

14. The winner will be notified by telephone using the telephone number provided by winner when they entered the competition]. The prize will be posted to the winner to the address provided by the winner when they purchased the Travel Insurance product OR when they are contacted by RACQ staff.

15. If the winner is unable to be contacted within two weeks of the draw, a redraw will occur. In the event that a redraw is required, it will be held at 9am on the last Monday of the following month the draw is relevant to by the RACQ Marketing department and the redraw winner will be notified by telephone using the telephone number provided by winner when they purchased the Travel Insurance product.

16. The prize is not transferable, exchangeable or redeemable for cash.

17. The information that entrants provide will be used by the Promoter for the purpose of conducting the competition, and to periodically keep entrants informed about the goods and services provided by the Promoter, related entities and its service providers.  By entering this competition entrants consent to the use of their contact details for the purposes described in this clause. The Promoter may use or disclose entrants’ personal information to related entities or other appropriate third parties in accordance with its privacy policy available on its Internet site at racq.com.

18. The prize winner acknowledges that the prize, or any component of the prize, may be subject to the standard terms and conditions of the individual prize supplier(s) and may be subject to additional terms and conditions imposed by third parties. The winner must become acquainted with any such additional terms and conditions prior to accepting the prize.  The Promoter does not accept any responsibility and is not liable for any additional conditions imposed on the taking of the prize by third parties, or for the breach of those conditions by any person. The acceptance of the prize creates a relationship between the prize winner and the individual prize supplier(s) and the Promoter is not responsible for, and accepts no liability in relation to, any loss, damage or claim that may be incurred by the prize winner as a result of the prize winner’s decision to accept the prize.

19. In participating in the prize activity, the winner agrees to participate and cooperate as required in all editorial activities relating to this promotion, including but not limited to being interviewed, video-recorded and photographed.  The winner agrees to grant the Promoter and its related entities a perpetual, non-exclusive licence to use such audio, footage and/or photographs in all media worldwide and the winner will not be entitled to any fee for such use.  The winner agrees that they will not sell or otherwise provide their story, video and/or photographs to any media or other organisation.

20. Entrants consent to the Promoter and its related entities using their name, likeness, image and/or voice in the event they are a prize winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting the promotion (including any outcome), and promoting products manufactured, distributed and/or supplied by the Promoter or its related entities.

21. The Promoter will use its best endeavours to provide the prize as listed.  If the prize (or any element of the prize) is unavailable, the Promoter, in its absolute discretion, reserves the right to substitute the prize (or that part of the prize) with a prize of equivalent value and/or specification, subject to any written directions from a regulatory authority. 

22. If for any reason this competition is not capable of being conducted by the Promoter as intended, whether because of computer virus, mobile phone failure, bugs, tampering, unauthorised intervention, fraud, technical failures, or any other cause beyond the reasonable control of the Promoter which in the Promoter’s opinion affects the administration of the competition, security, fairness or integrity, the Promoter may in its sole discretion, cancel, modify or suspend the competition, subject to the approval of the Office of Liquor and Gaming Regulation in Queensland as may be required.

23. Without limiting any other paragraph, the Promoter may at its discretion amend any aspect of this competition or these terms, subject to applicable laws and subject to the approval of the relevant regulatory authorities.

24. The Promoter, its related entities, and the directors, officers, management, employees and other staff of the Promoter and its related entities (Promoter’s Agents) will not be liable for any loss or damage or for any personal injury sustained as a result of taking the prize(s) or entering into this competition. The Promoter and the Promoter’s Agents make no representations or warranties as to the quality, suitability or merchantability or any goods or services offered as prizes.  To the extent permitted by law, the Promoter and the Promoter’s Agents are not liable for any loss suffered to person or property by reason of any act or omission, deliberate or negligent, by the Promoter or the Promoter’s Agents, in connection with the arrangement for the supply, or the supply, of goods and services by any person to the prize winner and, where applicable, to any persons accompanying the prize winners.

25. If, notwithstanding the above, the Promoter or the Promoter’s Agents are found to be liable to any person in connection with this competition the Promoter’s and the Promoter’s Agents’ maximum aggregate liability is limited to $1.00.

26. To the maximum extent permitted by law, the Promoter and the Promoter’s Agents will not be liable to any person for indirect or consequential loss or damage suffered by any person in connection with the entering the competition, or as a result of taking the prize.  This applies to all claims, whether such claims are made in tort (including without limitation negligence), in equity, under statute or any other basis.

27. The laws of Queensland govern the Promoter’s competitions.