rac european travel insurance

RAC Travel Insurance Review

Everything you need to know before you buy travel insurance from RAC!

The experts say:

What rac customers are saying right now:.

• 🤩 Quick and easy to set up a policy
• 🤗 Customer service is helpful in getting the policy set up
• 🤝 Polices can be changed mid-term with minimal admin costs
• 😊 Changes are done quickly and easily
• 😍 Customers have access to a variety of affordable insurance options
• 😠 RAC charge a £25 admin fee to change a first name, which many people find unacceptable.
• 😡 They have a complaints procedure that is geared towards them and not the customer, and they are unwilling to make changes to policies without additional fees.
• 😤 They are very unhelpful on the phone and do not treat customers fairly.

RAC customer reviews summary

It's difficult to differentiate between customer reviews for RAC's core breakdown insurance offering and reviews for its travel insurance products. That said, it seems that in general customers are happy with the quality of RAC's products and the process of setting up, but rather less satisfied with the service they receive once the policy is in force. On that basis, we rate it 6/10.  

Deep-dive into RAC Black Travel Insurance

• RAC's Black travel insurance policy that has been awarded a rating of four stars by Fairer Finance.
• This policy does not require a medical excess fee in the event of a claim.
• Customers are covered up to £3,000 for personal possessions and baggage that have been damaged, lost or stolen.
• The policy also provides cover up to £7,500 if customers need to cancel their trip before they have set off.
• With regards to emergency medical cover and repatriation , the policy offers unlimited coverage.
• Interestingly, the policy does not cover mental health problems that might arise during the trip, ior pre-existing issues.
• Personal money cover is provided up to £750 in case of loss or theft.
• The policy encompasses up to £750 coverage for replacing lost or stolen passports and travel documents, which includes travel expenses to retrieve the documents.
• If the trip needs to be cut short, pre-booked flights and accommodations will also be covered up to £7,500.
• A similar cover limit is provided for instances where the trip has to be abandoned due to long delay.
• Note that the policy does not provide cover for relocation costs due to a natural disaster or catastrophe.
• Coverage for personal possessions damage or destruction caused by a natural disaster isn't explicitly stated on this policy.
• Finally, the maximum trip duration under complete coverage is 92 days .

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Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, insureandgo.

• Unlimited medical emergency expenses¹
• Up to £10K cancellation cover
• 24/7 emergency medical helpline

Covered 27 million+ travellers

Trusted for 20+ years

24/7 emergency helpline

Compare InsureandGo with RAC travel insurance

We might not be the  RAC  but, if you’re looking for travel insurance, we still think we can help you.

We know nothing about fixing your car up but we really know our stuff when it comes to travel insurance. And that’s why we know getting covered isn’t a very exciting thing to do. So that’s why we’ve made it as simple as possible!

Buying InsureandGo  travel insurance  isn’t just easy – it’s also the right thing to do. Our years of experience, our comprehensive cover and our good prices all say so!

• Unlimited emergency medical expenses available on Black level policies.
• Based on 2,050 responses, correct as of 22/01/2024

FAQs centre

Included as standard:.

• 24/7 Emergency Helpline
• Cancellation & cutting short your trip
• Driving Holiday Pack
• Covid-19 Protection

So we can then direct you to the right information, please select below where you bought or are looking to buy your travel insurance policy.

Please select where you bought or are looking to buy your travel insurance policy.

If you can’t find the answer, speak to one of our agents via the 'Chat with Us' button. We're here Monday - Friday 9am - 5pm.

Managing my policy

I have not received my insurance documents, what should I do?

If you haven't received an email from us with instructions on how to register for our online customer portal and view your travel insurance documents, please email us at [email protected] . We'll email you your documents within 1 working day. Please note, for data protection reasons, we can only send the documents to the email address provided at point of sale.

I want to cancel my policy

You can speak with one of our agents via the 'chat with us' button or email [email protected] to cancel your policy. We'll give you a full refund if you cancel within the 14 days of the receipt of your documentation and you've not started a trip, made, or intend to make a claim.

Please note, for data protection reasons, we can only cancel a policy if the request is made via the same email address used to purchase the policy.

What happens if my medical conditions change after I have purchased a policy?

If any of your details change then you'll need to contact us on 0330 159 0405 as soon as possible to update your policy.

If your details have changed and you travel without informing us of the changes then we may be unable to honour any claims which arise.

How do I amend my policy or change/extend my travel dates?

If you want to amend any of your personal details, you can speak with one of our agents via the 'chat with us' button.

If you want to make a change to your travel insurance cover, including changing your dates or extending your trip, please contact our team on 0330 159 0405 . Please note, any amendment on your policy may result in a change in premium.

COVID-19 Cover

What is included within your COVID-19 and Enhanced COVID-19 cover?

Our Standard COVID-19 cover is included within all RAC Travel Insurance policies at no extra charge. It provides you with:

• Cancellation if you've a COVID-19 diagnosis within 14 days of your departure.
• Emergency medical treatment and repatriation if you contract COVID-19 abroad.

Enhanced COVID-19 cover is available for an extra charge on policies purchased through the RAC Travel Insurance website only. It costs £11 for single trip and £15 for an annual multi-trip which covers everyone on the policy. To add it simply select the 'Enhanced COVID-19 Cover' when you get a quote.

The Enhanced COVID-19 Cover Add On includes:

• Full cover if you visit Europe even when the FCDO advises against all but essential travel if the advice solely relates to COVID-19.
• Cancellation due to self-isolation if you’re contacted by UK Test and Trace System.
• Cancellation if you've an adverse reaction to a COVID-19 vaccine.
• Cancellation for incomplete COVID-19 vaccinations due to illness.

COVID-19 cover is only available to customers who have taken vaccinations when offered to them.

Do I need to have received my COVID-19 vaccine to be covered under your policy?

To be covered, you need to have received all doses of the COVID-19 vaccine that you've been offered, including any booster jabs. You'll also be covered if you can't have the vaccine due to a medical exemption. If you've refused any doses of the COVID-19 vaccine or any booster jab, then you won't be covered for COVID-19 related claims.

Who is covered?

Do you family policies cover children over the age of 18?

Our family travel insurance covers up to 2 adults and up to 5 children under the age of 18. If your children are 18 years or over, you may want to consider buying a group annual multi-trip policy. We can only offer this type of policy over the phone, so please call us on 0330 159 0405 , Monday to Friday 9am-5pm, excluding Bank Holidays.

If I buy a couple, family or group annual multi-trip policy, can I travel alone?

You can travel alone on all our travel insurance policies if you're 18 years of age and over.

Does RAC Travel Insurance have an age limit?

If you purchase your policy through the RAC Travel Insurance website, we have no upper age limit for single trip policies. For our annual multi-trip cover you must be aged 80 or under at the start of the policy period.

Children under the age of 18 must be accompanied by an adult over the age of 18 named on the insurance policy for the duration of the trip.

Are the benefit limits per person under the policy?

The benefits, limits and excesses within your policy are per person, per claim. Therefore, if you've a family or group policy, the limits and excesses will be for each of you individually.

The airline I am travelling with has cancelled my flight due to staffing issues, am I covered?

When an airline cancels a flight, you're entitled to certain refunds and compensation from the airline.

We ask that before you contact us in relation to costs arising from the recent spate of flight cancellations, that you first directly approach your airline, tour operator or packaged holiday organiser.

If you're unable to get a refund or compensation from any of the above companies and you paid for your trip with a credit card you may also be able to recover your costs through section 75 of the Consumer Credit Act or via a 'chargeback claim'.

How do I make a claim before or after my holiday or when I am abroad?

You can contact us on the following numbers should you need assistance abroad or to make a claim before or after your holiday:

• Medical emergency assistance (24 hour) +44 (0)1403 289 148 If in the USA or Canada call +1 844 780 0663 or if you're in Mexico, please call 00 1 819 780 0662
• Claims, excluding gadget and financial failure: call 01403 289 151 or email [email protected]
• Financial failure claims: call 0345 266 1872 or email [email protected]
• Gadget claims: call 0330 880 1751 or email [email protected]

What is covered?

What kind of travel insurance do I need?

This will all depend on what you want to be covered for and who you're travelling with. You may want to consider how much your holiday has cost you and whether you've any pre-existing medical conditions that you could potentially need emergency treatment for abroad.

If you're only planning to travel once in a year, then single trip travel insurance could be more appropriate for you. Single trip policies do cover you to travel to multiple destinations, but you'll need to ensure that you advise us of all destinations when you get a quote.

If you're planning to go on holiday more than once in a year, then annual multi-trip travel insurance could be more cost effective and save you having to take out a new policy each time you travel. You'll also be covered for cancellation from the start date of your annual multi-trip policy, offering you value and peace of mind from the start.

You should ensure that each of the holidays you're planning will be covered by the policy you've selected.

What do your policies offer?

The benefits, limits and excesses within your policy are per person, per claim. Therefore, if you've a couple, family or group travel insurance policy, the limits and excesses will be for each of you individually.

You can find a full list of what our policies offer in our policy wording .

What is the maximum trip duration I can take?

For annual multi-trip cover the maximum trip duration is 62 days for Orange and Silver cover and 92 days for Black cover. Trips within the UK are covered when you've pre-booked accommodation for a minimum of 2 nights.

For single trip cover, the maximum trip duration 94 days.

Do I need the extra gadget cover to insure my gadgets?

All policies offered via our RAC Travel website provide you with gadget cover as standard. The amount of cover will vary depending on what cover level you purchase. All benefits are per person, per claim.

If you think you'll need additional cover for your gadgets, we offer an optional gadget extension that you can select when you get a quote with us.

Our policy wording will provide you with what cover your policy provides as standard and what our gadget extension cover will increase these limits to.

Can I buy RAC Travel Insurance if I live overseas or if my journey starts from another country?

No, only UK residents who are registered with a UK GP can purchase travel insurance from the RAC. You must purchase travel insurance before leaving the UK, if you purchase a policy after leaving the UK there will be no cover and the policy may be void.

Does my travel insurance cover me for holidays in the UK?

Yes, our single trip and annual multi-trip travel insurance covers holidays in the UK. You're covered for any trip not exceeding the maximum trip length as confirmed in your policy schedule, where you've pre-booked at least two nights' accommodation.

Travel delay is not covered for any trips within the UK (except for trips to the Channel Islands).

I'm travelling today. Can I get cover immediately?

Provided you've not already started your holiday, RAC Travel Insurance policies will provide you with cover as soon as your purchase has been confirmed.

I am pregnant, will I be covered for medical costs?

With RAC Travel Insurance you're covered for bodily injury and illness whilst travelling when pregnant. Please check your transport provider's guidelines before travelling as they may have restrictions.

There is no cover available for medical costs associated with normal pregnancy. This policy is designed to provide cover for unforeseen events, accidents, illnesses and diseases and normal childbirth would not constitute an unforeseen event. Any costs arising from your pregnancy or childbirth, if the expected date of delivery is less than 12 weeks (16 weeks for a multiple birth) after the end of the trip, are excluded.

Which activities am I covered for?

An activity or sport that I want to take part in on holiday is not covered under your policy, what can I do?

If you want to know more about the activities our travel insurance covers, or if one that you're looking to take part in is not listed within our policy wording, you can speak to one of our agents via the 'chat with us' button or email us [email protected] and we'll see if there's anything we can do.

What activities am I covered for as standard under your policy?

You can find a full list of activities covered within our policy wording .

If an activity or sport that you're looking to take part in is not listed within our policy wording , you can speak with one of our agents via the 'chat with us' button.

Please note, you won't be covered under this policy whilst taking part in winter sports unless you select this cover which will incur an additional premium. Winter sports insurance provides cover for emergency medical treatment caused by your participation in winter sports activities, the delay, loss, theft or damage to your ski equipment, cover for ski pack expenses, piste closure and avalanche closure.

Do you offer cruise cover?

Cruise is covered as standard within our single trip travel insurance policies however you can choose our cruise add on which will provide additional cover for an extra charge.

Our cruise add-on provides cover for the specific activities and risks associated with cruise holidays such as increased cover for your personal possessions, cover if you're confined to your cabin and missed excursions, or cruise itinerary changes.

As cruise holidays cover many different destinations, please ensure you're covered for each country you'll be visiting. Cruise cover is only available on single trip policies, not annual multi-trip policies.

If you haven't received an email from us with instructions on how to register for our online customer portal and view your insurance documents, please email us at [email protected] and we'll email your documents to you within 1 working day Please note, for data protection reasons, we can only send the documents to the email address provided at point of sale.

You can speak with one of our agents via the 'chat with us' button or email [email protected] to cancel your policy. We'll give you a full refund if you cancel within the 14 days of the receipt of your documentation and you've not started a trip, made or intend to make a claim.

If you want to make a change to your policy cover, including changing your dates or extending your trip, please contact our Team on 0330 159 0405 . Please note, any amendment on your policy may result in a change in premium.

What is included within your COVID-19 cover?

Our Standard COVID-19 cover is included within all policies at no extra charge. It provides you with:

• Cancellation if you've a COVID-19 diagnosis within 14 days of your departure

Our family policy covers up to 2 adults and up to 5 children under the age of 18. If your children are 18 years or over, you may want to consider buying a group annual multi-trip policy. We can only offer this type of policy over the phone, so please call us on 0330 159 0405 , Monday to Friday 9am-5pm, excluding Bank Holidays.

You can travel alone on all our policies if you're 18 years of age and over.

If you purchase your policy through Compare the Market, Go Compare and Confused.com, you must be 85 years and under at the start of your policy for single trips. For our annual multi-trip cover you must be aged 75 or under at the start of the policy period.

We ask that before you contact us in relation to costs arising from the recent spate of flight cancellations that you first directly approach your airline, tour operator or packaged holiday organiser.

You can contact us on the following numbers should you need assistance abroad or to make a claim.

• Claims, excluding gadget and Financial Failure, 01403 289 151 or email [email protected]
• Financial Failure claims 0345 266 1872 or email [email protected]
• Gadget claims 0330 880 1751 or email [email protected]

If you're only planning to travel once in a year, then a single trip policy could be more appropriate for you. Single Trip policies do cover you to travel to multiple destinations, but you'll need to ensure that you advise us of all destinations when you get a quote.

If you're planning to go on holiday more than once in a year, then an annual multi-trip policy could be more cost effective and save you having to take out a new policy each time you travel. You'll also be covered for Cancellation from the start date of your annual multi-trip policy, offering you value and peace of mind from the start.

The benefits, limits and excesses within your policy are per person, per claim. Therefore, if you've a couple, family or group policy, the limits and excesses will be for each of you individually.

For annual multi-trip cover the maximum trip duration is 22 days for Orange cover, 32 days for Silver cover and 45 days for Black cover. Trips within the UK are covered when you've prebooked accommodation for a minimum of 2 nights.

For single trip Cover, the maximum trip duration is 94 days or 21 days a for a trip to the USA, Canada, Mexico and the Caribbean.

Our Black Essential and Black Essential Plus policy offered via Compare the Market, Go Compare and Confused.com Websites provide you with £1,000 of gadget cover against accidental damage, theft, malicious damage and loss and unauthorised usage as standard.

If you think you'll need additional cover for your gadgets, or want to have gadget cover on your Orange and Silver Essential or Orange and Silver Essential Plus policy and did not select for this to be added within your quote, we offer an optional gadget extension that you can add to your policy for an additional premium, by contacting us on 0330 159 0405 .

No, only UK residents who are registered with a UK GP can purchase travel insurance from RAC. You must purchase travel insurance before leaving the UK, if you purchase a policy after leaving the UK there will be no cover and the policy may be void.

Yes, our single trip and annual multi-trip policies cover holidays in the UK. You're covered for any trip not exceeding the maximum trip length as confirmed in your policy schedule, where you've pre-booked at least two nights' accommodation.

Provided you've not already started your holiday, RAC travel insurance policies will provide you with cover as soon as your purchase has been confirmed.

You're covered for bodily injury and illness whilst travelling when pregnant. Please check your transport provider's guidelines before travelling as they may have restrictions.

If you want to know more about the activities we cover, or if one that you're looking to take part in is not listed within our policy wording , you can speak to one of our agents via the 'chat with us' button or email us [email protected] and we'll see if there's anything we can do.

Please note, you won't be covered under this policy whilst taking part in Winter Sports unless you select this cover which will incur an additional premium. Winter sports insurance provides cover for emergency medical treatment caused by your participation in Winter Sports activities, the delay, loss, theft or damage to your ski equipment, cover for ski pack expenses, piste closure and avalanche closure.

Cruise is covered as standard within our single trip policies however you can choose our cruise add on which will provide additional cover for an extra charge by contacting us on 0330 159 0405 .

If you purchase your policy through MoneySuperMarket, you must be 85 years and under at the start of your policy. for single trips. For our annual multi-trip cover you must be aged 75 or under at the start of the policy period.

If you're only planning to travel once in a year, then a single trip policy could be more appropriate for you. Single trip policies do cover you to travel to multiple destinations, but you'll need to ensure that you advise us of all destinations when you get a quote.

For annual multi-trip cover the maximum trip duration is 22 days for Orange cover, 32 days for Silver cover and 45 days for Black cover. Trips within the UK are covered when you've pre-booked accommodation for a minimum of 2 nights.

All policies offered via the MoneySuperMarket website provide you with gadget cover as standard. The amount of cover will vary depending on what cover level you purchase. All benefits are per person, per claim.

If you think you'll need additional cover for your gadgets, we offer an optional gadget extension that you can add to your policy for an additional premium, by contacting us on 0330 159 0405 .

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• Barclays insurance
• Barclays travel and breakdown insurance

Travel Pack

Get cover for £14.50 a month

In partnership with Aviva and RAC. Protect your trips from the unexpected with cover for cancellations, breakdowns, lost baggage and more.

Six-month minimum term – terms and conditions  apply.

Worldwide and UK multi-trip cover

Cover for you and your family, with optional cover for medical conditions.

Complete breakdown cover in UK and Europe

Unlimited callouts in UK, plus cover for you as a driver or passenger when travelling. 

What does our Travel Pack cover?

Eligibility criteria

To apply for cover, you’ll need to:

• Live in the UK for at least 183 days a year
• Be registered with a UK doctor.

Who’s covered

If you’re eligible for travel insurance, Aviva will cover:

• You and your partner who lives with you up to the age of 79 at the start of your trip
• Your children (including step- and foster children) who travel with you and are under 23.

If you’re eligible for RAC breakdown cover, our providers will cover:

• You, as the pack holder
• Anyone who lives at the same address as you, if you add them to your cover when you buy your pack.

Travel insurance by Aviva

We made some changes to our Travel Plus Pack terms and conditions on 24 April 2023. If you bought your pack before this date, your terms and conditions haven’t changed and you can find them in ‘Statements and documents’ in the Barclays app.

What’s covered

Multi-trip travel insurance underwritten by Aviva Insurance Limited. You’ll get:

Trips abroad and in the UK for up to 31 days. For UK trips, you’ll need to be away from home for at least two consecutive nights in pre-booked holiday accommodation

Winter sports, cruises and business trips outside the UK for non-manual work, like meetings and conferences 

Up to £10 million worth of emergency medical treatment for sudden illness or injuries

Up to £10,000 per person for cancelled trips if you need to come home early 

Unexpected travel costs – up to £10,000 for additional travel and accommodation costs if your plans are disrupted, and up to £250 if your pre-booked transport is delayed for longer than 12 hours

Protection for your belongings – up to £1,500 if your personal belongings are lost, stolen or damaged during your trip.

What’s not covered

Travel delays where your travel is delayed by less than 12 hours

Costs you can recover from your travel or accommodation provider, your debit or credit card company, PayPal, ABTA, ATOL or similar organisations

Any incident that happens after 31 days of your holiday, unless you have a longer trip upgrade 

Anything that already happened before you bought this pack or booked your trip (whichever is later). For example, an airport strike that's been reported in the media

Any claim if you don’t follow the advice of local authorities

Claims if you travel against the advice of a doctor

Travels to get medical advice or treatment

Trips if you’re travelling with a terminal prognosis 

Claims for cancellation or coming home early if you travel against advice or measures that were already announced when you bought your pack or booked your trip (whichever is later).

Optional 12-month upgrades

For an extra one-off fee, you could get a: 

Longer trip upgrade

Designed for trips longer than 31 days. This covers the entire trip for up to 120 days. You’ll need to buy this as soon as you book the trip.

Pre-existing conditions upgrade

We now cover more pre-existing medical conditions, some for free. You can add cover for other family members too. If you have a valid upgrade, you’ll be covered automatically for any new conditions that occur over 12 months. We’ll give you an upgrade quote when you buy your pack. This will be valid for 30 days, so you can decide if you want to buy the upgrade.

RAC breakdown cover in the UK and Europe

Get roadside assistance, national recovery and onward travel to anywhere in the UK, plus cover if your vehicle won’t start at home.

Personal vehicles, whether you’re the driver or the passenger

Electric cars 

Unlimited callouts in the UK

Support on the myRAC app, where you can report your breakdown in 30 seconds 

Transport to the nearest garage within 10 miles if we can’t repair your vehicle at the side of the road

A hire vehicle, alternative transport (for example, a train or plane) or overnight accommodation to help you complete your journey

Access to RAC Rewards for discounts and offers on all things motoring, plus discounts on days out, dining, holidays and gym memberships.

Terms and conditions apply for the myRAC app and RAC Rewards. For more information, register for the myRAC app or visit  rewards.rac.co.uk/barclays/terms-and-conditions

Anyone other than your nominated partner or any other family members, such as your children

Vehicles used for business purposes

Company cars 

Any breakdowns or accidents that happened before you bought this pack

Costs of any vehicle parts or repairs completed in a garage.

Terms and conditions

Just need UK breakdown cover for roadside and at home?

Our Breakdown Cover Pack offers UK roadside and at home rescue for £9 a month.

How to get our Travel Pack

It takes a few minutes to apply for our Travel Pack in the Barclays app or Online Banking.

To apply for a pack, you’ll need to have an eligible  current account  with us.

Download the Barclays app to get our Travel Pack

Tap the logo you need, and it’ll take you straight to the app in your app store.

Important Information

Travel Pack Insurance Product Information Document (Travel IPID)

Travel Pack Insurance Product Information Document (Breakdown Cover IPID)

Travel Pack terms and conditions

Changes to terms and conditions

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Barclays Bank UK PLC and Barclays Bank PLC are each authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Barclays Insurance Services Company Limited and Barclays Investment Solutions Limited are each authorised and regulated by the Financial Conduct Authority.

Registered office for all: 1 Churchill Place, London E14 5HP

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International Travel Insurance

Planning an overseas holiday? Whether you’re embarking on an around-the-world adventure or in search of some rest and relaxation, you can enjoy added peace of mind during your trip with RACV International Travel Insurance.

I'm interested in...

•   COVID-19 Benefits
•   Travel alerts
•   Getting a quote
•   Policy documents

Travel insurance made simple

Planning an overseas trip is an exciting time. You can spend hours choosing your destination, booking your accommodation, and mapping your route. However, choosing the best travel insurance for you doesn’t need to take hours of research. RACV International Travel Insurance policies provide a choice of three levels of cover to choose from. You can even choose RACV Annual Multi-Trip coverage if you plan on taking more than one holiday in the next year.

COVID-19 Benefits

RACV Travel Insurance now includes limited COVID-19 cover # on RACV Comprehensive Travel Insurance.

#Limits and sub-limits apply. Refer to the Product Disclosure Statement for full details.

RACV Members get 15% off RACV Travel Insurance

Choice of cover for your holiday

Because each overseas adventure and adventurer is different - your international travel insurance policy needs to be too. Choose from three policies with different levels of cover at different prices, to suit your next overseas holiday. All RACV international policies also come with overseas medical and hospital cover so that assistance is available when you're far from home. 

Terms, limits and conditions apply. Please read the  Product Disclosure Statement  for more information.

Cover for the unexpected

Things don’t always go to plan on overseas expeditions. Whether your trip is disrupted by an event like an unexpected natural disaster or stolen passport, RACV International Travel Insurance lets you choose the cover that suits your needs. 

Find out more about RACV Travel Insurance for cruises

Additional peace of mind on your next overseas adventure

If you’ve scheduled several trips on your calendar for the next 12 months, an annual travel insurance policy could be suitable for you.  Annual Multi-Trip Travel Insurance gives you and your family cover for a full year – on trips where you travel more than 250km from home.

Whether you’re travelling solo or with your family, for fun or for business, an annual travel policy can provide cover for multiple trips per year.

Why choose RACV International Travel Insurance?

24 hour assistance.

The team of emergency assistance experts are available to provide support 24-hours a day. They can help you find the resources you need to make your way home safely. Help is at hand. 

Overseas medical cover

Anyone can fall ill or sustain injuries while travelling abroad. By choosing to insure your trip through RACV Travel Insurance, cover is available for overseas medical on all international travel insurance policies, as well as cover for hospital and dental.*

Cover for cancellation fees & lost deposits

In addition to being covered for illnesses and injuries, certain policyholders can also claim for unforeseeable situations, such as missing luggage and lost deposits. 1

Important information: 1. Cancellation fees and lost deposits cover not covered on Basics policy, while limits apply for Essentials. *Terms, limits and conditions apply. Please read the Product Disclosure Statement  for more information about medical, hospital and dental cover.

Frequent traveller? Find out more about Annual Multi-Trip Insurance.

RACV Travel Insurance International Benefits

When it comes to selecting the right international travel insurance policy for your next overseas adventure, you need to ensure that the policy you choose has all the inclusions you need. Whether you’re seeking overseas dental and emergency expenses, or a policy which covers your golf clubs, RACV Travel Insurance has a range of policies to choose from.

RACV Travel Insurance offers four international travel insurance policies; Comprehensive, Essentials, Basic, and Annual Multi-Trip. Each policy offers a different level of cover. Discover what’s included in each policy, below.

Please read the  Product Disclosure Statement  carefully to understand what this policy covers.

RACV Travel Insurance now includes limited COVID-19 cover #  on RACV Comprehensive Travel Insurance.

#Limits and sub-limits apply. Refer to the  Product Disclosure Statement  for full details.

Summary of Cover

Comprehensive (per adult), essentials (per adult), basics (per adult), annual multi-trip (per adult).

Section 1 Cancellation Fees and Lost Deposits

1A: Unforeseen Circumstances#

$unlimited^^

Not Applicable

1B: Death, Injury or Illness of Your Relative, Your Travelling Companion or Your Travelling Companion’s Relative#

1C: Emergency Worker Leave+ (Sub Limit)

Not applicable

Section 2: Overseas Medical, Hospital, Cash in Hospital, Dental and Related Expenses

2A: Ski and Winter Sports Overseas Medical and Hospital

$unlimited**

$Unlimited**

2C: Overseas Dental#+ (Sub Limit)

2G: Funeral Expenses Overseas*+ (Sub Limit)

Section 3: Luggage and Personal Money

3B: Travel Documents+ (Sub Limit)

3C: Luggage Delay+ (Sub Limit)

3E: Personal Money+ (Sub Limit)

Section 4: Emergency Expenses

4A: Emergency Expenses

4B: Resumption of Travel+ (Sub Limit)

4C: Emergency Expenses for Death, Injury or Illness of Your Relative, Your Travelling Companion or  Your Travelling Companion’s Relative

$unlimited^^**

4D: Special Events

Section 5–24

5: Accidental Death*

6: Accidental Disability*

7: Your Legal Liability

$10,000,000

8: Rental Car Excess

9: Loss of Income

10: Financial Default

11: Domestic Pets^

12: Domestic Services ^

13: Travel Delay

14: Hijack and Kidnap*

Ski and Winter Sports optional add-ons

15: Ski Overseas Medical and Hospital

16: Equipment Hire^

17: Ski Pack^

18: Piste Closure^

19: Bad Weather and Avalanche^

20: Lift Pass*

21: COVID-19 Overseas Medical and Hospital and Emergency Expenses#

22: COVID-19  Cancellation Fees and Lost Deposits

$3,500 combined limit

23: COVID-19  Additional Expenses# and Special Events

24: COVID-19 Travel Delay#

*#Limits and Sub Limits apply. See pages 10-23 for details. ^^$unlimited means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit. **$unlimited means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit. This benefit covers reasonable overseas medical and hospital costs as a result of an injury (including arising from a Terrorist Act) or illness occurring which first shows itself during Your Period of Insurance. Benefits may be paid up to 12 months from the time You received treatment for the injury or illness, but only for reasonable expenses incurred during that time. All medical treatments must be provided by Your Treating Doctor or Our Consulting Medical Officer. You must notify Us as soon as practicable of Your admittance to hospital. *This cover is per person listed in Your Policy. ^This cover is per policy. +This Sub Limit is a subset of this overall policy benefit section. *** Sub Limit and Policy Limit may apply – please refer to sections 1B and 4C in the PDS The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations . For copies, visit racv.com.au . RACV Travel Insurance issued by Tokio Marine & Nichido Fire Insurance Co., Ltd ABN 80 000 438 291 AFSL 246 548. Terms & conditions apply, refer to the PDS . Royal Automobile Club of Victoria (RACV) Ltd AR 001243563 is an authorised representative of the issuer and receives commission for each policy sold or renewed.

Luggage item limits

Planning on taking your new camera or laptop on your next overseas holiday? Be sure to check whether its value falls within the policy limit shown below. This will ensure the items you’re taking on holiday are adequately covered by your insurance plan.

Policy benefits

Annual multi-trip (per adult).

Medical Devices

If you're planning on driving overseas, apply online for your International Driving Permit with RACV

Policy options and add-ons

No two overseas trips are the same, with RACV Travel Insurance, you can choose from the below policy options and add-ons.

Excess Options: you can choose to vary Your Excess, which is the amount you must pay if you have a claim. The Excess You choose will either increase or reduce your Premium. The Plan Type you select has the following Excess ranges:

• Single Trip International policies $0, $100, $250, $500 or $1,000
• Annual Multi-Trip policy is $0, $100 or $250
• Domestic $0 or $100

Your Excess will be shown on your Certificate of Insurance.

Ski and winter sports cover

IMPORTANT : you must purchase Ski and Winter Sports Cover in order to be covered for any Ski and Winter sports benefits listed under Ski and winter sports optional ad-on.

Not all winter sports are covered.

Ski includes snow skiing and snowboarding.

Winter Sports includes. leisure bigfoot Skiing, cat Skiing, cross country Skiing (along a designated cross country ski route only), glacier Skiing, ice hockey, ice skating, luging (on ice only), mono Skiing, Off-piste Skiing (with a professional guide only), recreational Skiing, snowmobiling and tobogganing.

It does include any of the above activities when they are undertaken for competition, including training or practising purposes.

If you do purchase this additional coverage, it is a condition of cover that you act in a responsible way to protect yourself and that:

 Specifically, the activity must:

• be conducted through a commercial operator; and
• be available to the general public; and
• not be considered Extreme Risk; and
• not require any special skills, pre-fitness training program prior to the participation of the activity, or a high level of fitness to undertake.

Annual Multi-Trip Plan (per Adult)

15: Ski and Winter Sports Overseas Medical and Hospital

16: Equipment Hire^

17: Ski Pack^

18: Piste Closure^

19: Bad Weather and Avalanche^

20: Lift Pass*

#Limits and sub limits apply. Refer to the Product Disclosure Statement for full details.

 ^^ $unlimited means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit.

 ** $unlimited means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit. This benefit covers reasonable overseas medical and hospital costs as a result of an injury (including that arising from a Terrorist Act) or illness occurring which first shows itself during Your Period of Insurance. Benefits may be paid up to 12 months from the time You received treatment for the injury or illness, but only for reasonable expenses incurred during that time. Medical treatments must be provided by a legally qualified medical practitioner. You must notify us as soon as practicable of Your admittance to hospital.

*This cover is per person listed in Your Policy

 ^This cover is per policy.

Cruise cover

If you require cover for a Cruise, please select the Cruise option when purchasing a policy. This will determine the Premium you pay.

Cover for international river cruising is included automatically and you do not need to select the Cruise option.

Cruise Cover is required for all Ocean Voyages of more than one night.

RACV Member discount

Looking for ways to save on insurance costs so you have more money left over for your trip? RACV Members are entitled to a 15% discount on RACV International Travel Insurance policies.

RACV Annual Multi-Trip Travel Insurance plan

This provides year-round cover for your travel provided you are 250km from your Home.  When you purchase your policy please include the countries you are travelling. This will determine the premium you pay.

Please refer to RACV Annual Multi-Trip Travel Insurance for conditions associated with Annual Multi-Trip plan.

Travel alerts, claims and policy documents

Travel alerts.

Think carefully before visiting countries/regions with DFAT travel advisory of "Do Not Travel", RACV Travel Insurance won't cover you for these destinations.

• Smart traveller
• Recent travel alerts
• COVID-19 travel advice & FAQs

Review or manage your policy

For full details on how you’re covered, read the RACV Travel Insurance Product Disclosure Statement.

• Make a claim
• Find a policy document
• Contact us on 13 13 29

Related Links

Save more as an racv member.

International Sim Card

Airport Parking

International Driving Permit

The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations . For copies, visit racv.com.au. Royal Automobile Club of Victoria (RACV) Ltd AR 001243563 is an authorised representative of the issuer and receives commission for each policy sold or renewed. RACV Travel Insurance issued by Tokio Marine & Nichido Fire Insurance Co., Ltd ABN 80 000 438 291 AFSL 246 548. Terms & conditions apply, refer to the PDS.

Travel Insurance Sales 13 13 29

Emergency assistance 02 8055 1699

Claims 1300 207 387

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Bali Travel Insurance

Relax and unwind, knowing you have cover with RAC

Don’t forget to pack peace of mind before leaving for Bali

Bali is known as paradise for a reason, offering incredible views, exquisite resorts, and a lively culture all set against the backdrop of a rich tropical climate. However, like any trip abroad, there are risks. Don't let uncertainties overshadow your Bali experience. Embrace the beauty with peace of mind, knowing RAC has your back with Bali travel insurance. Compare RAC’s travel insurance plans and choose what suits you (and your fellow travellers) best. Flexible coverage options ensure ultimate peace of mind during your getaway.

Why could travel insurance be important for Bali?

Cover your bases with RAC and relax with ease, knowing you’ve taken all the necessary precautions. It’s important to be prepared in case you’re injured or encounter an unexpected expense.

Compare RAC’s Bali travel insurance plans and find one that suits you, so you can relax on your holiday.

What’s covered?

Scooter coverage, medical coverage, 24/7 medical emergency assistance, trip delays, interruptions, & cancellations, baggage protection, adventure sports, covid-19 cover, natural disasters.

* Limits, Sub limits and conditions apply. Learn more about what’s covered in our Product Disclosure Statement .

^ Terms and conditions apply. The driver must hold a current Australian licence (not including learners permit) or a valid licence in the country you are in. You must wear a helmet as a driver or passenger. You must not be under the influence of drugs or alcohol.

# There are some sports that have conditions of cover and some may not be covered. Learn more about what’s covered in our Product Disclosure Statement .

Compare our policies

Whether you plan to lay by the pool, explore the island, or tick every adventure activity off the list, RAC may have a plan for you. Compare our policies below.

# Limits and sub-limits apply ^^ $unlimited means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit. ** $unlimited means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit. This benefit covers reasonable overseas medical and hospital costs as a result of an injury (including that arising from a terrorist act) or illness occurring which first shows itself during your period of insurance. Benefits may be paid up to 12 months from the time you received treatment for the injury or illness, but only for reasonable expenses incurred during that time. Medical treatments must be provided by a legally qualified medical practitioner. You must notify us as soon as practicable of your admittance to hospital. * This cover is per person listed in your policy ^ This cover is per policy

Terms and conditions apply. This advice is general advice only. Please refer to the Product Disclosure Statement before making a decision about this product and read the Target Market Determinations (TMDs) before determining whether this product is suitable for your circumstances. This product is issued by Tokio Marine & Nichido Fire Insurance Co., Ltd (ABN 80 000 438 291 AFSL 246548).

Why consider RAC for your Bali travel insurance?

Travel insurance with RAC gives you the ultimate peace of mind for your dream Bali holiday. Unleash your free spirit and soak up the good vibes, knowing you’re prepared with the knowledge and support to make the most your adventure.

RAC members save 15%

Automatic scooter cover, dependents under the age of 25 covered for free**.

** Dependents mean children, stepchildren, foster children or grandchildren who are age 25 or younger. Financially dependent on you, travelling with you the whole time and listed on your certificate of insurance.

Get your quote today

Get an online quote.

Get an instant quote and purchase your insurance easily online, it's as easy as a few clicks.

Have a pre-existing condition? No need to call us to check your coverage. Simply use our online medical assessment tool to determine if your condition can be covered. 

Get a quote

Speak to a team member

Need help or have more questions? Speak to one of our friendly travel insurance consultants.

• Find a branch
• Frequently asked questions

If you’re still not sure, check out our FAQs below

If you're travelling to Indonesia for tourism, official government duties or business meetings, you can apply for an e-Visa on Arrival (e-VOA) . Apply at least 48 hours before your travel to Indonesia.

You can also get a Visa on Arrival (VOA) at some international airports, seaports or land crossings. Visit Smart Traveller for more information.

Consider consulting your doctor beforehand on any vaccines you may need and ways to protect yourself while travelling. You can also refer to Smart Traveller for up to date information on health concerns in Indonesia.

Stay up to date with the latest travel alerts and recommendations on the Australian Government’s website Smart Traveller .

Bali has strict border-protection consequences. Always pack your own bag, and you may want to consider getting it wrapped before you fly. Check Smart Traveller to find out more ways to protect your baggage.

Yes, you can purchase travel insurance after booking your flight and accommodation and still have it covered, just make sure you’ve purchased it before you leave home.

No, you can purchase travel insurance after booking your flight — but not after you depart.

RAC’s travel insurance does not have a restrictive age limit - Cover is available to Australian residents over the age of 18. All dependents are automatically covered with RAC’s guardians policy , so, your children and grandchildren are automatically covered as long as they are under 25, financially dependent on you and travelling with you for the duration of your trip. They also need to be listed on your certificate of insurance.

RAC members get a 15% discount on all our travel insurance options. Learn more about the benefits of becoming an RAC member .

If you have a medical condition, let us know online or over the phone. After a few follow up questions, we can provide an assessment to see if you’re covered, and a tailored quote to have the medical condition included within your cover.

It is also important to remember that many prescription medications in Australia are illegal in Indonesia. Consult your doctor and check Smart Traveller to make sure your medications are ok to bring.

Travel insurance with RAC covers your children and grandchildren free of charge, provided they are travelling with you, are up to the age of 25, are financially dependent on their parents, are not working full time, and do not require medical assessment.

Any claims involving a person who has been consuming alcohol will be assessed by RAC on a case-by-case basis. However, if you have been hospitalised as the direct result of alcohol consumption (i.e. your illness or injury is assessed to have been the result of alcohol consumption) you may not be covered.

See our Product Disclosure Statement for more details

Blog & resources

Want to dive deeper into all things Bali? Check out some of our helpful articles below.

Travel insurance and COVID-19 cover

Things to know before you go overseas.

Cruising from Perth in 2023

Everything you need to know.

9 holiday spots in Indonesia that aren't Bali

Those other tropical destinations right on our doorstep

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