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Travel Insurance

  • Domestic and international
  • Single and multi-trip options
  • 15% member discount†
Get a quoteMake a claim
International driving permit
Travel insurance documents
Common questions

Travel Alert

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Check the latest government advice and any travel alerts for your destination.

 

Planning a trip? Consider travel insurance for added peace of mind.

Holidays are for relaxing – let us take care of your travel insurance. We offer a range of plans for domestic and international trips.

You'll have access to 24/7 overseas emergency assistance, and can claim for lost luggage and trip cancellation on select plans. Travel insurance to help with cancellation fees and emergency expenses if your plans change unexpectedly.#

Plus, members get 15% off all travel insurance products.†

Cover options

What cover is available?

  • Ski and winter sports

    You can add on optional cover for ski and snowboarding winter sports.#

  • Cruise cover

    You can add on optional cruise that lasts only for the time you'll be cruising.<

  • COVID-19

    Available on all plans. T&Cs apply.>

Explore international travel insurance cover options for your trip

This table only provides a summary of the policy benefits. For full details, please refer to the combined PDS/FSG and review each section for specific terms, conditions, exclusions, limits, and sub-limits, as well as any general exclusions that apply.

Compare travel insurance cover
ComprehensiveEssentialsSaver
Cancellation fees (unforeseen circumstances)Per adultCovered$Choice of limitCovered$Choice of limitNot covered
Overseas medical and hospitalPer adultCovered$unlimited*Covered$unlimited*Covered$unlimited*
Overseas dental (sub limits)Per adultCovered$unlimited*Covered$2,000Covered$500
LuggagePer adultCovered$15,000Covered$7,500Covered$2,000
Emergency expensesPer adultCovered$unlimited*Covered$25,000Covered$5,000
Rental car excessPer policyCovered$8,000^Covered$4,000^Not covered
Travel delayPer adultCovered$3,000~Covered$1,500~Not covered
Accidental deathPer personCovered$25,000**Covered$15,000**Not covered
Accidental disabilityPer personCovered$25,000**Covered$15,000**Not covered
Death, injury or illness of your relative, your travelling companion or your travelling companionPer adultCovered$1,000Covered$1,000Not covered
Cash in hospital (sub limit)Per adultCovered$6,000~Covered$3,500~Covered$1,500
Domestic petsPer policyCovered$650^~Not coveredNot covered
Domestic servicesPer policyCovered$1,500^~Not coveredNot covered
Financial defaultPer adultCovered$10,000Not coveredFootnote +Not covered
Funeral expenses overseas (sub limit)Per personCovered$20,000**Covered$15,000**Covered$10,000**
Hijack and kidnapPer personCovered$10,000**~Covered$5,000**~Not covered
Loss of income from injuryPer adultCovered$10,400Covered$5,200Not covered
Luggage delay (sub limit)Per adultCovered$750Covered$500Not covered
Personal money (sub limit)Per adultCovered$500Covered$250Not covered
Resumption of travel (sub limit)Per adultCovered$5,000Covered$1,500Not covered
Emergency expenses for death, injury or illness of your relative, travelling companion or your travelling companionPer adultCovered$5,000Covered$1,500Not covered
Special events (sub limit)Per adultCovered$5,000Covered$2,000Not covered
Travel agent fees (sub limit)Per adultCovered$4,000Covered$2,000Not covered
Travel documents (sub limit)Per adultCovered$5,000Covered$1,500Not covered
Your legal liabilityPer adultCovered$10,000,000Covered$10,000,000Covered$10,000,000
Ski and Winter Sports Optional cover
Overseas medical and hospitalPer adultCovered$unlimited*Covered$unlimited*Not covered
Lift passPer adultCovered$500Covered$250Not covered
Bad weather and avalanchePer policyCovered$1,000^Covered$500^Not covered
Piste closurePer policyCovered$1,000^~Covered$500^~Not covered
Ski packPer policyCovered$1,000^Covered$500^Not covered
Snow ski equipment hirePer policyCovered$2,000^Covered$1,000^Not covered
Cruise benefits option
Optional Cover – Cruise - Cabin confinementPer adultCovered$1,500~Covered$1,500~Covered$1,500~
Missed portPer adultCovered$150Covered$150Covered$150
Missed shore excursionPer adultCovered$1,500Covered$1,500Covered$1,500
Marine rescue diversionPer adultCovered$500~Covered$500~Covered$500~
  • Covered
  • Not covered

*‘$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 PDS/FSG for full details.

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

^These limits are per policy.

~Daily limits apply.

+ Other than Sub-Limit in section 10D of the PDS/FSG.

Mozo Expert Choice 2025 Award for Exceptional Quality Travel Insurance has been awarded to the RACT Comprehensive Plan.++

Need help?

  • Do RACT Travel sell travel insurance in store?

    Yes, you can purchase a different type of travel insurance available exclusively in RACT Travel stores and over the phone. The product advertised on our website is an online-only product. 

  • How do I make an international travel insurance claim?

    The quickest way to lodge an RACT Travel Insurance claim is by using the online claim lodgement, which is available 24/7. Follow these easy steps to lodge your claim online:

    1. You will first need to register by utilising the email address you used to purchase your policy.

    2. Once registered, you will receive an email to guide you to setup your password. If you have previously registered a claim just login using your email and password.

    3. Once you have logged in, complete your claim details by answering all sections.

    4. Once submitted, your claim will be assessed with 10 working days upon receipt of all the relevant information/documentation. If any further information is required, you will be contacted within 10 working days of you lodging your claim.

    Alternatively, contact the claims team on 1300 406 752 and they will happily take your details to lodge a claim and guide you through the claim process.

  • Where can I find out more about my international travel insurance policy?

    Find all policy wording, inclusions and exclusion details in the RACT Travel Insurance Combined Financial Services Guide (FSG) and Product Disclosure Statement (PDS). 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).

    The PDS contains policy wording with information on benefits, section limits, sub limits, daily limits, section exclusions and general exclusions. The PDS also contains information for before you travel, and how to make a claim or lodge a complaint.

    The FSG contains information about who issues and who sells this policy, how they are paid, and how to contact them.

    The TMD helps you decide if the insurance features and limits are likely to be consistent with your objectives, financial situation and needs. It also outlines matters involving the distribution and the review of products.

    RACT may receive a commission which is a percentage of the premium paid and may also receive a portion of the underwriting profit.

  • I’m currently overseas or travelling and need to make changes to my policy, what can I do?

    Call +61 2 8055 1673 and a team member can assist you with the following change requests:

    1. Policy extension of expiry date

    2. Add Ski and Winter Sports cover

    3. Change itinerary such as adding or deleting countries

    4. Add Cruise cover

    Change requests will be discussed with you and if accepted, you will be provided with an email confirmation in respect of any change/s, and you should refer to the PDS for all applicable terms and conditions. Changes may incur an additional premium.

    An updated Certificate of Insurance will be sent to you with the changes included, as well as the PDS, so that you can review your coverage, subject to policy terms and conditions.

    Please make contact promptly if you need further information and/or notice any discrepancies in your updated policy documentation.

  • Where can I direct my feedback, complaint and enquiries?

    If you have an enquiry about the RACT Travel Insurance product you purchased online, need to make a change, have feedback or a complaint, please contact the product insurer, Tokio Marine & Nichido Fire Insurance Co., Ltd., directly by calling +61 2 8055 1673 or emailing [email protected]

  • I have a question and can't find the answer!

    Refer to the PDS, or please contact +61 2 8055 1641.

  • How can I update my travel insurance policy if I made a mistake or something has changed?

    Please contact +61 2 8055 1641 as soon as you realise the error so that it can be reviewed and for amendments to be made, where possible.

    You can ask for changes to your policy before your trip departure date (as shown on your Certificate of Insurance), provided that you do not want to make a claim in relation to the old information that has since been changed and provided that you give reasonable notice. Any change made, if agreed, may incur an additional premium.

Can't find what you're looking for? Find more information please contact +61 2 8055 1641.

Contact Tokio Marine

Important information

†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. Member discount cannot be used in conjunction with any other promotional offer or discount.

#Terms, conditions (including eligibility criteria), limits, sub-limits and exclusions apply. Refer to combined PDS/FSG for full details.

++For more awards information, refer to https://mozo.com.au/expertschoice/travel-insurance/#award-release-2487 with information on awards won.

<Refer to combined PDS/FSG to determine if Cruise cover is required for your trip. Terms, conditions, limits, sub-limits and exclusions apply.

>Limited 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.

The Royal Automobile Club of Tasmania Limited (ABN 62 009 475 861, AR No. 228578) (RACT) is an authorised representative of the RACT 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 RACT 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 on the travel insurance documents page, or on request from RACT. This travel insurance product is only available online.