Annual cover for an unlimited number of trips over a 12 month period with a maximum duration of either 30, 45 or 60 days per trip (maximum duration is shown on your certificate of insurance).
This policy covers you for international travel as well as trips within Australia where you are more than 250km from your home.
Cover that can be purchased for:
- Single cover including dependants#; and
- Family/Duo cover provided you are both travelling together on the entire trip, including dependants#
Annual Multi-Trip Travel Insurance offers
This section 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.
Emergency Assistance Team with a global network of doctors, nurses and logistical staff is available 24 hours a day.
Unlimited*$ cover for reasonable overseas medical, hospital, dental and related expenses. The medical cover also assists you to find treatment and if necessary, medical evacuation. While in hospital, you're covered for up to $6,000 cash. For any part of your trip that is in Australia, you are not covered for medical, hospital, dental or evacuation cover.
Unlimited*$ cover is available for reasonable emergency accommodation and transport expenses if your journey is disrupted due to a natural disaster or severe weather condition.
If you need to cancel your travel due to an unforeseen event, the policy provides cancellation cover according to the level of cover you select at the time of policy purchase. Typically, people look to choose an amount that will cover all prepaid travel tickets, hotels, cruises, tours or other non-refundable travel related expenses.
The annual multi-trip policy includes limited cover for COVID-19 under the sections of medical and hospital, emergency expenses, cancellation and more.<
There is cover for disruption to your travel plans including:
- New for old luggage cover up to $15,000
- Luggage delay $750
- Travel delay $3,000~
- Resumption of travel $5,000
- Personal money $500
If you are hiring a rental vehicle on holidays, and that rental vehicle is involved in an accident or is stolen while in your control and you are liable to pay an insurance excess, the policy can cover you for the rental vehicle insurance excess, or for the reasonable cost of repairs of the rental vehicle where the cost of repairs do not exceed the rental vehicle insurance excess. This cover can be up to $8,000 per policy.
Don't stress about home if your travel plans are disrupted. Cover is available for:
- Loss of income from injury $10,400
- Financial default $10,000
- Domestic services $1,500^~
- Domestic pets $650^~
- Special events $5,000
Cover for travel agent fees of up to $4,000 and travel documents of up to $5,000.
When you're on holiday, have greater peace of mind knowing that there is cover for:
- Legal liability $10 million
- Accidental death $25,000**
- Accidental disability $25,000**
- Funeral expenses overseas $20,000**
- Hijack and kidnap $10,000**~
This option covers a range of recreational winter sports including Snowboarding and Skiing (leisure bigfoot, cat, cross country, glacier, mono, off-piste) ice hockey, ice skating, luging, snowmobiling and tobogganing.
Cover is provided for:
- Overseas medical and hospital expenses you pay as a result of injury
- Costs arising from hiring alternative snow equipment due to loss, theft or damage
- If you're unable to utilise the full duration of your pre-booked Ski pack (ski passes, ski hire, tuition or lift passes)
- Piste closure if there is not enough snow, bad weather or power failure
- Bad weather and avalanche closure
- Lift pass when there is theft or a loss
If you'd like to add this option and for pricing information, call 1300 655 179.
You have 21 days from the day you purchase your policy to decide if the cover is right for you. You can cancel your policy within this cooling-off period for a full refund, provided that you:
- Haven’t started your Trip;
- Haven’t made a claim; and
- Don’t intend to make a claim or exercise any other rights under your policy.
$unlimited* or 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.
†† Dependant 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.
# 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.
~ Daily limits apply.
^ These limits are per policy.
< 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.
** These limits are per person listed on your COI.
R.A.C. Travel Services Pty. Limited (ABN 17 009 164 176, AR No. 228577) (RAC) is an authorised representative of the RAC 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 RAC 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 RAC's website, or on request from RAC.