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International travel insurance that can protect you when you’re overseas

Insurance is one of the first things you should organise when planning an overseas trip so that you can explore the world with freedom. RACQ’s International Travel Insurance provides Queenslander’s with protection on an extensive range of benefits including cover for your luggage items such as smart phones and tablets, overseas medical expenses and unexpected cancellation fees and lost deposits. We have three levels of International Travel Insurance available as well as an Annual Multi Trip policy. You can also add Ski and Winter Sports cover as an optional add-on to your policy.

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Key benefits

For full details of what’s included in RACQ Travel Insurance see our Product Disclosure Statement (PDS) and any relevant Supplementary PDS (where applicable).

Worldwide 24-hour emergency assistance service.
We cover up to $15,000 per adult for lost, stolen or damaged luggage items including smart phones, tablets and computers (limit varies per cover option; see table below).
Unlimited overseas medical and hospital cover.#
We cover your cancellation fees and lost deposits for travel and accommodation arrangements if your trip is cancelled or cut short due to unforeseen circumstances (limit varies per cover option; see table below).

International Travel Insurance: Cover Options

For full details of what’s included in RACQ Travel Insurance see our Product Disclosure Statement (PDS) and any relevant Supplementary PDS (where applicable).

Saver Standard Premium Annual Multi-Trip
Key Inclusions - per adult**
Overseas medical and hospital cover $Unlimited# $Unlimited# $Unlimited# $Unlimited#
Emergency expenses $5,000 $25,000 $Unlimited $Unlimited
Luggage loss, theft or damage $2,000 $7,500 $15,000 $15,000
Luggage delay - $500 $750 $750
Travel delay - $1,500 $3,000 $3,000
Travel documents - $1,500 $5,000 $5,000
Legal liability $10,000,000 $10,000,000 $10,000,000 $10,000,000
Cancellation fees and lost deposits - $25,000 $Unlimited $Unlimited
Travel agent fees - $2,000 $4,000 $4,000
Rental car excess - $4,000 $8,000 $8,000
Cash in hospital $1,500 $3,500 $6,000 $6,000
Overseas dental** $500 $2,000 $Unlimited# $Unlimited#
Personal money - $250 $500 $500
Resumption of travel - $1,500 $5,000 $5,000
Special events - $2,000 $5,000 $5,000
Funeral expenses overseas^ $10,000 $15,000 $20,000 $20,000
Accidental death^ - $15,000 $25,000 $25,000
Accidental disability^ - $15,000 $25,000 $25,000
Domestic services - - $1,500 $1,500
Loss of income - $5,200 $10,400 $10,400
Financial default - $5,000 $10,000 $10,000
Domestic pets - - $650 $650
Hijack and kidnap^ - $5,000 $10,000 $10,000
Overseas medical and hospital - $Unlimited# $Unlimited# $Unlimited#
Equipment hire - $1,000 $2,000 $2,000
Ski pack - $500 $1,000 $1,000
Piste closure - $500 $1,000 $1,000
Bad weather and avalanche - $500 $1,000 $1,000
Lift pass - $250 $500 $500
We make getting International Travel Insurance quick and simple, plus RACQ members get a 20% discount.*      Get a quote

How to make a Travel Insurance claim

Making a Travel Insurance claim is quick and easy! Your request will be processed as fast as possible and you will be contacted within 10 working days from when your claim is first received whether over the phone or online. When lodging a claim online you will need to register with the email address you used to purchase your policy. If you need any help or would like to lodge your claim over the phone, please call 1300 207 371, or contact us online.

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24 hour emergency assistance and claims

If you are travelling and require assistance, our emergency assistance team is contactable 24 hours a day, 365 days a year. When you call, please have the following information on hand:

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

Contact the emergency assistance team on +61 2 8055 1696. Reverse charges apply if calling from an overseas operator.

Frequently asked questions

Cover for cancellation, lost deposits and financial default commences from the date of purchase. All other benefits commence on the trip start date you have stated when purchasing your policy.
Your children and your grandchildren will be covered for free if they meet the following criteria:
  • they are 25 years old or younger;
  • they are financially dependant on their parents;
  • they are not working full time;
  • they do not require a medical assessment;
  • they are travelling with you the whole time; and
  • they are listed on the certificate of insurance.

If they meet the above criteria and you choose our Ski and Winter Sports option, they’ll be covered for this as well. If you have omitted to list them, please contact us before you leave.

Most of your policy benefits are per insured adult, however, you should read the PDS for further information which can be viewed here. The limits are reinstated after each trip.
Please contact us on 1300 338 821 as soon as you realise the error so that we can review and amend where possible. You can also advise us by email at with full details of the error and the correct details.

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* Limits, conditions and exclusions apply. This insurance is issued by Tokio Marine & Nichido Fire Insurance Co., Ltd (Tokio Marine & Nichido) ABN 80 000 438 291, AFSL 246548. Please read the PDS before making a decision about this product.

^ This cover is per person listed in Your Policy.

** Limits and sub-limits apply. See pages 42-69 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. 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.

Specific terms and conditions, limits (including sub-limits) and exclusions apply to each of our policies and the different benefits. Please read the 'RACQ Travel Insurance- Combined Financial Services Guide and Product Disclosure Statement' for full details.

The information in this article is general advice only and does not take into account your objectives, financial situation or needs. Because of this, you should, before acting on the advice, consider the appropriateness of the advice, having regards to your objectives, financial situation and needs. You should obtain the ''RACQ Travel Insurance - Combined Financial Services Guide and Product Disclosure Statement' and consider it before making a decision about whether to acquire RACQ Travel Insurance.

Banking products and loans are issued by Members Banking Group Limited ABN 83 087 651 054 AFSL and Australian credit licence 241195 trading as RACQ Bank. This information does not take your personal objectives, circumstances or needs into account. Read the disclosure documents for your selected product or service, including the Financial Services Guide and the Terms and Conditions, before deciding. Except for RACQ Bank, any RACQ entity referred to on this page is not an authorised deposit-taking institution for the purposes of the Banking Act 1959 (Cth). That entity’s obligations do not represent deposits or other liabilities of RACQ Bank. RACQ Bank does not guarantee or otherwise provide assurance in respect of the obligations of that entity, unless noted otherwise.