Adventure overseas confidently with award-winning travel insurance
There's nothing quite like embarking on an international adventure. Absorbing the sights and sounds of new cities, immersing yourself in a different culture, forgetting your daily routine – overseas travel is exciting. With RACQ International Travel Insurance, you can explore the world while feeling the safety of home.
- 15% policy discount for RACQ members~~
- Coverage for overseas medical expenses (including those that arise from a COVID-19 diagnosis)
- Coverage for loss, theft or damage of your luggage and unexpected cancellation fees is available on select plans^^
- All plans cover up to two adults and your dependants#
- 24-hour overseas emergency assistance hotline
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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Overseas medical and hospital expenses^^If you’re unexpectedly injured or fall ill while travelling overseas, our international plans can help cover reasonable medical and hospital costs (including those that arise from a COVID-19 diagnosis) so you can get the care you need. Coverage applies to expenses incurred up to 12 months from the date you first received treatment for the injury or illness. -
Cancelled travel and accommodation^^If your trip is cancelled or cut short due to illness or other unforeseen events, selected international plans can help cover cancellation fees and lost deposits for your travel and accommodation bookings.
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Lost or damaged smartphones, tablets and computers^^Whether it’s a lost phone or a damaged laptop, we offer cover for your personal tech while you travel, helping with repair or replacement costs if something goes wrong.
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Choice of excessChoose from a range of excess options to suit your individual travel plans.
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Rental car excess^^If a rental car is stolen or damaged while in your care, certain international plans can help cover the car insurance excess or repair costs, whichever is lower. -
Cruise cover^^River cruising overseas is automatically included in your cover. If you're heading on an ocean cruise, you can select additional cover to suit your itinerary. -
Ski and winter sports^^Planning to ski or snowboard on your trip? You can add optional cover to help protect against accidents during leisure winter sports activities for an added premium.
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 combined RACQ Travel Insurance Product Disclosure Statement (PDS), Financial Services Guide (FSG) and the Target Market Determinations (TMDs) for further details on cover in each section as conditions, exclusions, section limits and sub-limits apply. Additional sub-limits may also apply.
| Premium | Standard | Saver | Annual Multi-Trip |
|---|
| Key inclusionshide | ||||
|---|---|---|---|---|
| Overseas medical and hospital |  $Unlimited* per Adult |
 $Unlimited* per Adult |
$Unlimited* per Adult |
$Unlimited* per Adult |
| Overseas dental (Sub Limits) | $Unlimited* per Adult |
$2,000 per Adult |
$500 per Adult |
$Unlimited* per Adult |
| Emergency expenses | $Unlimited* per Adult |
$25,000 per Adult |
$5,000 per Adult |
$Unlimited* per Adult |
| Luggage | $15,000 per Adult |
$7,500 per Adult |
$2,000 per Adult |
$15,000 per Adult |
| Luggage delay | $750 per Adult |
$500 per Adult |
Not covered | $750 per Adult |
| Travel delay | $3,000~ per Adult |
$1,500~ per Adult |
Not covered | $3,000~ per Adult |
| Travel documents | $5,000 per Adult |
$1,500 per Adult |
Not covered | $5,000 per Adult |
| Your legal liability | $10,000,000 per Adult |
$10,000,000 per Adult |
$10,000,000 per Adult |
$10,000,000 per Adult |
| Cancellation fees (Unforeseen Circumstances) | Choice of Limit per Adult |
Choice of Limit per Adult |
Not covered | Choice of Limit per Adult |
| Travel agent fees (Sub Limits) | $4,000 per Adult |
$2,000 per Adult |
Not covered | $4,000 per Adult |
| Rental car excess | $8,000 per policy |
$4,000 per policy |
Not covered | $8,000 per policy |
| Other inclusionsshow | ||||
|---|---|---|---|---|
| Cash in hospital (Sub Limits) | $6,000 per Adult |
$3,500 per Adult |
$1,500 per Adult |
$6,000 per Adult |
| Personal money (Sub Limits) | $500 per Adult |
$250 per Adult |
Not covered | $500 per Adult |
| Resumption of travel (Sub Limits) | $5,000 per Adult |
$1,500 per Adult |
Not covered | $5,000 per Adult |
| Special events (Sub Limits) | $5,000 per Adult |
$2,000 per Adult |
Not covered | $5,000 per Adult |
| Funeral expenses overseas | $20,000 per person |
$15,000 per person |
$10,000 per person |
$20,000 per person |
| Accidental death | $25,000 per person |
$15,000 per person |
Not covered | $25,000 per person |
| Accidental disability | $25,000 per person |
$15,000 per person |
Not covered | $25,000 per person |
| Domestic services | $1,500~ per policy |
Not covered | Not covered | $1,500~ per policy |
| Loss of income from injury | $10,400 per Adult |
$5,200 per Adult |
Not covered | $10,400 per Adult |
| Financial default | $10,000 per Adult |
$5,000 per Adult |
Not covered | $10,000 per Adult |
| Domestic pets | $650~ per policy |
Not covered | Not covered | $650~ per policy |
| Hijack and kidnap | $10,000~ per person |
$5,000~ per person |
Not covered | $10,000~ per person |
| Optional cover: Ski & Winter Sportsshow | ||||
|---|---|---|---|---|
| Overseas medical and hospital | $Unlimited* per Adult |
$Unlimited* per Adult |
Not covered | $Unlimited* per Adult |
| Equipment hire | $2,000 per policy |
$1,000 per policy |
Not covered | $2,000 per policy |
| Ski pack | $1,000 per policy |
$500 per policy |
Not covered | $1,000 per policy |
| Piste closure | $1,000~ per policy |
$500~ per policy |
Not covered | $1,000~ per policy |
| Bad weather and avalanche | $1,000 per policy |
$500 per policy |
Not covered | $1,000 per policy |
| Lift pass | $500 per Adult |
$250 per Adult |
Not covered | $500 per Adult |
| Optional cover: Cruiseshow | ||||
|---|---|---|---|---|
| Cabin confinement | $1,500~ per Adult |
$1,500~ per Adult |
$1,500~ per Adult |
$1,500~ per Adult |
| Missed port | $150 per Adult |
$150 per Adult |
$150 per Adult |
$150 per Adult |
| Missed shore excursion | $1,500 per Adult |
$1,500 per Adult |
$1,500 per Adult |
$1,500 per Adult |
| Marine Rescue diversion | $500~ per Adult |
$500~ per Adult |
$500~ per Adult |
$500~ per Adult |
| COVID-19 Benefitsshow | ||||
|---|---|---|---|---|
| COVID-19 Overseas Medical and Hospital and Expenses | $Unlimited* per Adult |
$Unlimited* per Adult |
$Unlimited* per Adult |
$Unlimited* per Adult |
| COVID-19 Cancellation Fees | $10,000 per Adult |
$5,000 per Adult |
Not covered | $10,000 per Adult |
| COVID-19 Emergency Expenses | $Unlimited* per Adult |
$25,000 per Adult |
$5,000 per Adult |
$Unlimited* per Adult |
| Get your quote | Get your quote | Get your quote | Get your quote | |
*$unlimited means there is no cap on the maximum dollar amount which may be paid out for this benefit, noting that how much is payable for a benefit depends on the specific cover in the relevant section of the Policy Wording and any applicable exclusions.
~Daily limits apply.
Why choose RACQ International Travel Insurance?
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24-hour emergency assistanceNo matter what time it is, we’re there for you. -
21-day cooling off periodChange of plans? Not a worry. -
Help protect your family overseasSome cover is provided to your dependants#. -
Personalise your international travel insuranceWe’ll provide options so you can choose the right cover for your trip.
Manage your insurance
International travel insurance FAQs
Contact us
Need help or would like to know more? RACQ offers many convenient ways for you to get in touch with us.
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 there is no cap on the maximum dollar amount which may be paid out for this benefit, noting that how much is payable for a benefit depends on the specific cover in the relevant section of the Policy Wording and any applicable exclusions.
#Dependants such as children, grandchildren, stepchildren, and foster children aged 25 or under at no extra cost provided they are travelling with you the whole time, are financially dependent on their parents or grandparents, not working full time and do not require a medical assessment.
~~Offer is subject to change/withdrawal without notice.
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.
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, please consider 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 TMDs 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. TMDs also outline matters involving the distribution and the review of these products. The PDS, Supplementary PDS and TMDs for each travel product can be found here.
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 Bank subscribes to the Customer Owned Banking Code of Practice which establishes higher standards than the law requires. The Code reflects modern consumer expectations and developments in approaches to issues such as consumer vulnerability, guarantors, and supporting customers through financial hardship. Please read our Customer Owned Banking Code of Practice page for more information.