Looking for overseas cover but don’t need the full range of benefits?
Be prepared for unexpected medical costs, cancellations, lost or damaged luggage, and personal liability from the minute you step out your door until you return home.
International Essentials 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 overseas medical and hospital expenses. Overseas Dental is covered for up to $2,000 and if you're in hospital, you're covered for up to $3,500 cash.
Up to $25,000 of cover is available for reasonable emergency additional 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 cover according to the level of cover you selected 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.
There is cover for disruption to your travel plans including:
- New for old luggage cover up to $7,500
- Luggage delay $500
- Travel delay $1,500
- Resumption of travel $1,500
- Personal money $250
Cover for travel agent fees of up to $2,000 and travel documents of up to $1,500.
Don't stress about home if your travel plans are disrupted. Cover is available for;
- Loss of income from injury $5,200
- Special events $2,000
When you're on holiday, have greater peace of mind knowing that there is cover for:
- Legal liability $10 million
- Accidental death $15,000**
- Accidental disability $15,000**
- Funeral expenses overseas $15,000**
- Hijack and Kidnap $5,000**~
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.
# 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.
$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.
** These limits are per person listed on your COI.
^ These limits are per policy.
~ Daily limits apply.
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.