International travel insurance

RACQ members save 15% on Travel Insurance⁺⁺

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.

RACQ members save 15% on Travel Insurance⁺⁺
Coverage for overseas medical expenses (including those that arise from a COVID-19 diagnosis)⁷
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 dependants⁸
24-hour overseas emergency assistance hotline

Get your quote Make a claim 

What does my RACQ International Travel Insurance cover?

This section only provides a summary of the policy benefits. Review each section of the Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) for terms, conditions, exclusions, limits, sub-limits, and any general exclusions that apply.

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)⁷ 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.
Lost or damaged smartphones, tablets and computers
Whether it’s a lost phone or a damaged laptop, there is cover for your personal tech while you travel, helping with repair or replacement costs if something goes wrong.
Choice of excess
Choose from a range of excess options to suit your individual travel plans.

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.⁶ If you're heading on an ocean cruise, you can select additional cover to suit your itinerary.⁵
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.

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International travel insurance cover options

This table only provides a summary of the policy benefits. Review each section of the Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) for terms, conditions, exclusions, limits, sub-limits, and any general exclusions that apply.

Premium
Standard
Saver
Annual Multi-Trip

	Premium	Standard	Saver	Annual Multi-Trip

Key inclusionshide
Overseas medical and hospital	$Unlimited² per Adult	$Unlimited² per Adult	$Unlimited² per Adult	$Unlimited² per Adult
Overseas dental (Sub Limits)	$Unlimited² per Adult	$2,000 per Adult	$500 per Adult	$Unlimited² per Adult
Emergency expenses	$Unlimited* per Adult	$25,000 per Adult	$5,000 per Adult	$Unlimited* per Adult
Luggage (Sub Limits)	$15,000 per Adult	$7,500 per Adult	$2,000 per Adult	$15,000 per Adult
Luggage delay (Sub Limits)	$750 per Adult	$500 per Adult	Not covered	$750 per Adult
Travel delay (Sub Limits)	$3,000¹² per Adult	$1,500¹² per Adult	Not covered	$3,000¹² 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 policy¹¹	$4,000 per policy¹¹	Not covered	$8,000 per policy¹¹

Other inclusionshide
Cash in hospital (Sub Limits)¹²	$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 (Sub Limits)	$20,000 per person¹⁰	$15,000 per person¹⁰	$10,000 per person¹⁰	$20,000 per person¹⁰
Accidental death	$25,000 per person¹⁰	$15,000 per person¹⁰	Not covered	$25,000 per person¹⁰
Accidental disability	$25,000 per person¹⁰	$15,000 per person¹⁰	Not covered	$25,000 per person¹⁰
Domestic services	$1,500¹² per policy¹¹	Not covered	Not covered	$1,500¹² per policy¹¹
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	Not covered+	Not covered	$10,000 per Adult
Domestic pets	$650¹² per policy¹¹	Not covered	Not covered	$650¹² per policy¹¹
Hijack and kidnap	$10,000¹² per person¹⁰	$5,000¹² per person¹⁰	Not covered	$10,000¹² per person¹⁰

Optional cover: Ski & Winter Sportshide
Overseas medical and hospital	$Unlimited² per Adult	$Unlimited² per Adult	Not covered	$Unlimited² per Adult
Equipment hire	$2,000 per policy¹¹	$1,000 per policy¹¹	Not covered	$2,000 per policy¹¹
Ski pack	$1,000 per policy¹¹	$500 per policy¹¹	Not covered	$1,000 per policy¹¹
Piste closure	$1,000¹² per policy¹¹	$500¹² per policy¹¹	Not covered	$1,000¹² per policy¹¹
Bad weather and avalanche	$1,000 per policy¹¹	$500 per policy¹¹	Not covered	$1,000 per policy¹¹
Lift pass	$500 per Adult	$250 per Adult	Not covered	$500 per Adult

Optional cover: Cruise⁵hide
Cabin confinement	$1,500¹² per Adult	$1,500¹² per Adult	$1,500¹² per Adult	$1,500¹² 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	$500¹² per Adult	$500¹² per Adult	$500¹² per Adult	$500¹² 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.

²‘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. Medical, hospital, dental or any ancillary benefits or expenses incurred more than 12 months from the time treatment for the injury or illness was first received will not be covered. Terms, conditions (including eligibility criteria), limits, sub-limits and exclusions apply. Refer to Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) for full details.

⁵Refer to Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) to determine if Cruise Cover is required for your trip. Terms, conditions, limits, sub-limits and exclusions apply.

¹⁰These limits are per person listed in your Certificate of Insurance (COI).

¹¹These limits are per policy.

¹²Daily limits apply.

+Other than Sub-Limit in 10D. Please refer to the Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) for the relevant section.

Why choose RACQ International Travel Insurance?

24-hour overseas emergency assistance
No matter what time it is, support is available.
21-day cooling off period
Change of plans? Cancel your policy within 21 days of purchase and get a full refund.
Help protect your family overseas
Dependant children aged 25 or under can be added to your policy at no additional cost.⁹
Choose your international travel insurance cover
There are options so you can choose the right cover for your trip.

Manage your insurance

Make a claim

Policy documents

Call emergency overseas assistance

Traveller Alerts

International travel insurance FAQs

This section only provides a summary of the policy benefits. Review each section of the Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) for terms, conditions, exclusions, limits, sub-limits, and any general exclusions that apply.

Help centre

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

*$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.

⁺⁺Member discount applies to the premium payable (excluding GST, stamp duty and any other taxes). Offer can be withdrawn/amended at any time without notice.

⁵Refer to Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) to determine if Cruise Cover is required for your trip. Terms, conditions, limits, sub-limits and exclusions apply.

⁶Cruise Benefits section does not apply to river cruising. Refer to Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) for full details.

⁷Limited COVID-19 cover is only available for specific benefits and sub-limits apply. Refer to the PDS for full details inclusions, exclusions and applicable limits.

⁸Dependant means any of your children, stepchildren, foster children or grandchildren who are 25 years of age or under at the time you purchase your policy, financially dependent on their parents or grandparents, not working full time, travelling with you for your entire trip and listed on the Certificate of Insurance as your Dependant. Terms, conditions, exclusions, limits and sub-limits apply. Refer to PDS for full details.

⁹Dependant means any of your children, stepchildren, foster children or grandchildren who are 25 years of age or under at the time you purchase your policy, financially dependent on their parents or grandparents, not working full time, travelling with you for your entire trip and listed on the Certificate of Insurance as your Dependant. Dependants can be covered at no extra cost if they have not disclosed any medical conditions requiring assessment. Terms, conditions, exclusions, limits and sub-limits apply. Refer to PDS for full details.

RACQ has been recognised by Mozo in 2023 and 2024.

RACQ Operations Pty Ltd (ABN 80 009 663 414, AR No. 234978) and Members Travel Group Pty Ltd (ABN 45 144 538 803, AR No.432492) (RACQ) are authorised representatives of the RACQ Travel Insurance insurer Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548) (Tokio Marine). Tokio Marine Management (Australasia) Pty Ltd (ABN 69 001 488 455, AR No. 1313066) is an authorised representative of Tokio Marine, and administers RACQ Travel Insurance as the managing agent on behalf of Tokio Marine. Terms, conditions (including eligibility criteria), exclusions, limits and sub-limits apply. Any advice is general advice only, and does not take into account your specific objectives, financial situation or needs. Before you purchase, please consider the Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) and Target Market Determinations (TMDs) available at racq.com or on request from RACQ.