Travel Insurance
- Domestic and international
- Single and multi-trip options
- 15% member discount†
Travel Alert
Middle East Conflict
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.†
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.
| Comprehensive | Essentials | Saver | ||
|---|---|---|---|---|
| Cancellation fees (unforeseen circumstances) Per adult | Yes$Choice of limit | Yes$Choice of limit | NoNot covered | |
| Overseas medical and hospital Per adult | Yes$unlimited* | Yes$unlimited* | Yes$unlimited* | |
| Overseas dental (sub limits) Per adult | Yes$unlimited* | Yes$2,000 | Yes$500 | |
| Luggage Per adult | Yes$15,000 | Yes$7,500 | Yes$2,000 | |
| Emergency expenses Per adult | Yes$unlimited* | Yes$25,000 | Yes$5,000 | |
| Rental car excess Per policy | Yes$8,000^ | Yes$4,000^ | NoNot covered | |
| Travel delay Per adult | Yes$3,000~ | Yes$1,500~ | NoNot covered | |
*‘$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?
Can't find what you're looking for? Find more information please contact +61 2 8055 1641.
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.
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.
