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 Queenslanders with protection via an extensive range of benefits including cover for your luggage items such as smart phones and tablets, overseas medical expenses including limited COVID-19 cover# on our premium policy, and cover for 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 to your policy.

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Members save 20% on this policy*

What does my RACQ International Travel Insurance cover?

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

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    Unlimited overseas medical and hospital cover#

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    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).

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    Loss, theft or damage of your luggage (limit varies per cover option; see table below).

International travel insurance cover options

Compare your international travel insurance options and get the policy that’s right for your trip. Before purchasing any travel products, we recommend reviewing the RACQ Travel Insurance Product Disclosure Statement (PDS) and the Target Market Determinations (TMDs) that apply to these products.

Saver Standard Premium Annual Multi-Trip
Key inclusionshide
Overseas medical and hospital Tick icon
$Unlimited** per Adult
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$Unlimited** per Adult
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$Unlimited** per Adult
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$Unlimited** per Adult
Emergency expenses# Tick icon
$5,000 per Adult
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$25,000 per Adult
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$Unlimited** per Adult
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$Unlimited** per Adult
Luggage# Tick icon
$2,000 per Adult
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$7,500 per Adult
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$15,000 per Adult
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$15,000 per Adult
Luggage delay N/A Tick icon
$500 per Adult
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$750 per Adult
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$750 per Adult
Travel delay# N/A Tick icon
$1,500 per Adult
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$3,000 per Adult
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$3,000 per Adult
Travel documents N/A Tick icon
$1,500 per Adult
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$5,000 per Adult
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$5,000 per Adult
Your legal liability Tick icon
$10,000,000 per Adult
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$10,000,000 per Adult
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$10,000,000 per Adult
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$10,000,000 per Adult
Cancellation fees# N/A Tick icon
$25,000 per Adult
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$Unlimited^^ per Adult
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$Unlimited^^ per Adult
Travel agent fees N/A Tick icon
$2,000 per Adult
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$4,000 per Adult
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$4,000 per Adult
Rental car excess# N/A Tick icon
$4,000 per Adult
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$8,000 per Adult
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$8,000 per Adult
Other inclusionsshow
Cash in hospital# Tick icon
$1,500 per Adult
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$3,500 per Adult
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$6,000 per Adult
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$6,000 per Adult
Overseas dental# Tick icon
$500 per Adult
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$2,000 per Adult
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$Unlimited** per Adult
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$Unlimited** per Adult
Personal money N/A Tick icon
$250 per Adult
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$500 per Adult
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$500 per Adult
Resumption of travel N/A Tick icon
$1,500 per Adult
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$5,000 per Adult
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$5,000 per Adult
Special events N/A Tick icon
$2,000 per Adult
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$5,000 per Adult
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$5,000 per Adult
Funeral expenses overseas* Tick icon
$10,000 per person
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$15,000 per person
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$20,000 per person
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$20,000 per person
Accidental death* N/A Tick icon
$15,000 per person
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$25,000 per person
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$25,000 per person
Accidental disability* N/A Tick icon
$15,000 per person
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$25,000 per person
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$25,000 per person
Domestic services^# N/A N/A Tick icon
$1,500 per policy
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$1,500 per policy
Loss of income# N/A Tick icon
$5,200 per Adult
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$10,400 per Adult
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$10,400 per Adult
Financial default# N/A Tick icon
$5,000 per Adult
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$10,000 per Adult
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$10,000 per Adult
Domestic pets^# N/A N/A Tick icon
$650 per policy
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$650 per policy
Hijack and kidnap*# N/A Tick icon
$5,000 per person
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$10,000 per person
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$10,000 per person
Optional cover: Ski & Winter Sportshide
Overseas medical and hospital N/A Tick icon
$Unlimited** per Adult
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$Unlimited** per Adult
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$Unlimited** per Adult
Equipment hire^ N/A Tick icon
$1,000 per policy
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$2,000 per policy
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$2,000 per policy
Ski pack^ N/A Tick icon
$500 per policy
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$1,000 per policy
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$1,000 per policy
Piste closure^# N/A Tick icon
$500 per policy
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$1,000 per policy
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$1,000 per policy
Bad weather and avalanche^ N/A Tick icon
$500 per policy
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$1,000 per policy
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$1,000 per policy
Lift pass N/A Tick icon
$250 per Adult
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$500 per Adult
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$500 per Adult
COVID-19 Benefitshide
COVID-19 Overseas Medical and Hospital and Emergency Expenses# N/A N/A Tick icon
$Unlimited** per Adult
N/A
COVID-19 Cancellation Fees and Lost Deposits N/A N/A Tick icon
$3,500 combined limit
N/A
COVID-19 Additional Expenses# and Special Events N/A N/A
N/A
COVID-19 Travel Delay# N/A N/A
N/A
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Why choose RACQ International Travel Insurance?

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    24-hour emergency hotline

    No matter what time it is, we’re there for you.

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    21-day cooling off period

    Change of plans? Not a worry.

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    Protect your family overseas

    Your cover includes children and grandchildren.

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    Personalise your international travel insurance

    We’ll match you with the right cover for your trip.


Enjoy better holidays with RACQ member benefits~~

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Leave your pets in good hands
Save 10% when your furry friends stay at Hanrob Hotel.
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Pay less for airport parking
Take advantage of a 10% discount from Andrews Airport Parking.~
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Get the essentials for less
Enjoy your 4% discount on Woolworths eGift cards.
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Look after other Queenslanders while you holiday
Feel good knowing your RACQ membership helps fund the RACQ Foundation. 

International travel insurance FAQs

Things to note

#Limits (including sub-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 Product Disclosure Statement (PDS) and any applicable Supplementary PDS before making a decision about this product and read the Target Market Determinations (TMDs) before determining whether this product is suitable for your circumstances.

^^$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
~10% member discount only applies to first 14 days and does not apply to extra day rates. Read the Andrews Airport Parking Terms and Conditions. Read the Gateway Airport Parking Terms and Conditions.

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.

Banking and loan products issued by Members Banking Group Limited ABN 83 087 651 054 AFSL/Australian credit licence 241195 trading as RACQ Bank. Terms, conditions, fees, charges and lending policies apply. This is general advice only and may not be right for you. 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, and consider if appropriate for you 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.

RACQ Operations Pty Ltd (ABN 80 009 663 414 AR 000234978) and Members Travel Group Pty Ltd (ABN 45 144 538 803 AR 000432492) are acting as an Authorised Representative of the issuer of the insurance, Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548). Any advice set out above is general in nature only, and does not take into account your objectives, financial situation or needs. Before purchasing any travel products, we recommend reviewing the RACQ Travel Insurance Product Disclosure Statement (PDS) and the Target Market Determinations (TMDs) that apply to these products. Whilst the PDS outlines the Terms and Conditions of these products, the TMD’s outline the intended class of customers that comprise the target market for these travel products. This will allow you to consider which products best suit your objectives, financial situation and needs and consider the products appropriateness to your personal circumstances. TMD’s also outline matters involving the distribution and the review of these products. The PDS and TMD’s for each travel product can be found here.

~~ Terms and conditions apply to all offers. View the individual offer for full details. Offer is subject to availability and may be withdrawn at any time without notice.