Important travel insurance update - Have you received correspondence from RACQ about a travel insurance refund? Find out more

Enjoy happy holidays with RACQ Travel Insurance

Enjoy the freedom of trekking around New Zealand, witness the beauty of Japan's cherry blossoms or cruise the South Pacific. Finally go on that epic outback adventure or visit family or friends overseas. RACQ Travel Insurance can help protect from the unexpected when you’re away from home.

See more of the world knowing that you’re covered with RACQ.

  • Our members can enjoy 15% discount on policies
  • We’re chosen by over 70,000 travellers each year*
  • We’re available to help 24/7, wherever you are in the world
  • We offer a choice of excess from $0 to $1,000 depending on your plan type
  • We provide coverage for the important things like lost, stolen, or damaged luggage, smartphone, tablets, and computers^^

Get your quote

MECA Badge Exceptional Quality Travel Insurance200px  MECA Badge_Exceptional Quality Travel Insurance 2024 400x400

RACQ Travel Insurance

Be prepared for the unexpected with RACQ Travel Insurance.

Couple travelling on Greece coast

International travel insurance

  • Feel prepared when you adventure overseas
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    15% policy discount for RACQ members
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    Limited COVID-19 benefits included in Premium cover^^
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    Unlimited** overseas medical and hospital cover 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.

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    Cover for lost, stolen, or damaged luggage, smartphones, tablets, and computers^^
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    Cover for emergency expenses and legal liability^^
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    24-hour emergency assistance while overseas
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    Cover for Mopeds, Scooters and Motorcycles^^
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    Optional extra cover available for ski and winter sports and cruising
Family travelling on river cruise in Australia

Domestic travel insurance

  • Experience uninterrupted enjoyment Australia-wide
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    15% policy discount for RACQ members
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    Limited COVID-19 benefits included in Domestic cover^^
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    Cover for lost, stolen, or damaged luggage, smartphones, tablets, and computers^^
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    Cover for cancellation fees and lost deposits if unforeseen circumstances cancel or cut your trip short^^
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    Optional extra cover for cruises in Australian waters or calling into Australian ports
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    Rental Car Excess and Domestic Cancellation plans available, as well as optional ski and winter sports cover
Why choose RACQ for your travel insurance?
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    Get help when you need it

    Lodge your claim or request the answers you need online.

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    Customise your cover

    Choose from a range of excess options and add optional extras to your travel insurance.

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    21-day cooling off period
    Change of plans? Cancel your policy within 21 days of purchase and get a full refund.^^
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    Award-winning insurance

    RACQ Travel Insurance won the 2023 and 2024 Mozo Experts Choice Award for Exceptional Quality.

Get more out of your next trip with RACQ member perks ~ ~

Save up to 15% on car and truck rental with SIXT
Choose from a range of vehicles for any occasion.
Free up your transport budget
Take 4 cents per litre off when you fill up at participating Caltex service stations.#
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Save on the essentials every week
Enjoy a 4% discount on pre-purchased Woolworths Supermarket eGift Cards.
Earn cashback rewards when you shop
Shop online with more than 200 fashion, beauty, pet, and home retailers and earn cashback rewards.

Explore more with RACQ

Couple looking at travel plans
Travel checklist
Excited about your next overseas trip? We’ve got a few tips to help you plan ahead and keep safe on your holiday.
Phone calling call centre
RACQ Bank travel and international services
Take money abroad, do international money transfers and receive money from overseas.
Flat lay of phone and passport
International driving permit
Driving overseas? Get an international driving permit before you leave.

Travel insurance FAQs

Things to note

*Figure based on 70,435 passengers on new policies issued in FY23.

^^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. 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. 

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.

~~ 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.

#Conditions apply. Offer available at participating Caltex and Puma Energy service stations. Visit for details.