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International Travel Insurance

  • 15% member discount†
  • Multiple cover options
  • Annual multi-trip
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Check the latest government advice and any travel alerts for your destination.

 

Added peace of mind with RACT International Travel Insurance

Planning your next overseas adventure? Explore cover options with our Comprehensive, Essentials and Saver plans.

Access 24/7 overseas emergency assistance across all international plans.

Plus, members get 15% off travel insurance.†

International cover options

  • Comprehensive

    Cover for injury or illness, cancellations, and travel delays.#

  • Essentials

    Cover for cancellations, rental car excess, and lost or delayed luggage.#

  • Saver

    Cover for lost luggage, dental, and medical expenses.#

What cover is available while overseas?

  • 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$500~
  • Covered
  • Not covered
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*‘$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?
  • How do I make an international travel insurance claim?
  • Where can I find out more about my international travel insurance policy?
  • I’m currently overseas or travelling and need to make changes to my policy, what can I do?
  • How can I update my travel insurance policy if I made a mistake or something has changed?
  • Where can I direct my feedback, complaint and enquiries?
  • I have a question and can't find the answer!

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

Contact Tokio Marine

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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.