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RACT Annual Multi-Trip is designed for leisure travellers taking several trips in a 12-month period, but “unlimited trips” does not mean unlimited time away or identical cover everywhere. Under the policy wording effective 31 March 2026, each trip is limited to the maximum duration shown on the Certificate of Insurance—30, 45 or 60 days—and Australian trips more than 250 km from home do not include medical, hospital, dental or evacuation cover.
This review explains the trip rules, destination declarations, plan differences and optional cover. The policy document effective on your purchase date and your Certificate of Insurance govern your cover; the product-page benefit grid is only a summary.
How the Annual Multi-Trip policy works
RACT’s current policy wording describes Annual Multi-Trip as cover for an unlimited number of trips over a 12-month period. It is not a single trip with no end date: every trip must stay within the maximum duration shown on your Certificate of Insurance. The available maximums are 30, 45 or 60 days, or the specific maximum stated on that certificate. The sums insured under policy sections reinstate after each trip. RACT’s international travel insurance page outlines the product; the PDS/FSG effective 31 March 2026 contains the controlling terms.
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The policy describes Annual Multi-Trip as leisure travel. Its stated definition excludes corporate or business-purpose travel, so do not assume the annual option suits work trips. Check the certificate’s dates and maximum trip length against every itinerary before travelling.
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Which travel is covered—and where the boundary is
The policy can cover international trips and Australian trips more than 250 km from home. That distance rule does not make domestic medical expenses insured: the Australian portion has no cover under this policy for medical, hospital, dental or evacuation expenses. A trip may therefore fall within the annual plan’s domestic scope while still leaving those costs outside the policy.
For domestic journeys, read the policy’s other applicable benefits and exclusions rather than treating the distance threshold as a promise of comprehensive cover. The policy wording explains that domestic medical costs are excluded because the insurer is a general insurer and cannot cover Australian medical costs.
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Declare destinations and check changes before departure
When buying, list the countries and regions you plan to visit. Destinations affect the premium; stopovers shorter than 24 hours do not need to be listed under the policy wording. If you later add a destination, contact the insurer. An addition is not automatic: if accepted, it may change the premium.
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Use the Certificate of Insurance to confirm the insured travel dates, destinations and maximum duration for each trip. If a plan changes or you notice an error, RACT’s product information directs customers to contact the insurer to update the policy. Do not rely on a booking confirmation or an earlier quote as proof that a change has been accepted.
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Compare the three international plans by the benefits you need
RACT lists Comprehensive, Essentials and Saver international plans. The figures below are summary maximums or benefit descriptions, not guaranteed claim payments. Conditions, exclusions, sublimits and chosen cancellation limits apply. RACT says “unlimited” means there is no maximum dollar cap for that benefit, subject to the relevant policy section and exclusions; medical, hospital, dental or ancillary expenses incurred more than 12 months after first treatment are not covered.
| Listed benefit | Comprehensive | Essentials | Saver |
|---|---|---|---|
| Overseas medical and hospital | Unlimited* | Unlimited* | Unlimited* |
| Luggage | $15,000 | $7,500 | $2,000 |
| Emergency expenses | Unlimited* | $25,000 | $5,000 |
| Rental car excess | $8,000 per policy | $4,000 per policy | Not covered |
| Travel delay | $3,000 with daily limits | $1,500 with daily limits | Not covered |
| Cancellation fees for unforeseen circumstances | Choice of limit | Choice of limit | Not covered |
These values are the plan summaries published by RACT and set out in the current PDS/FSG. Read the detailed wording for the limits applying to particular items, expenses and circumstances.
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Choose based on exposure, not the plan name
- Check cancellation first: Comprehensive and Essentials offer a choice of cancellation limit; Saver does not cover cancellation fees for unforeseen circumstances in the summary grid. Select a limit that reflects the non-refundable costs you could lose, then confirm its terms.
- Check belongings and item sublimits: the total luggage limit is not necessarily available for every item. Review item limits and exclusions in the PDS against what you plan to take.
- Check vehicle and delay needs: rental car excess and travel-delay benefits differ materially, and both are absent from Saver’s summary for these benefits.
- Check medical and emergency wording: an “unlimited” summary is not unconditional cover. Eligibility rules, exclusions and the specific section still control a claim.
No single plan is best for every traveller. The relevant comparison is your itinerary and likely costs against each plan’s actual limits, exclusions and selected options.
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Cruises
For an international ocean cruise, select the Cruise Benefits option and list all countries and regions visited. The premium depends on the number of cruise days. The policy wording says international and domestic river cruising is automatically included. Australian cruises have specific distinctions, so check the PDS and insurer’s instructions for the vessel and route rather than assuming the ocean-cruise rule applies to every domestic sailing.
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Skiing and winter sports
Ski and winter-sports cover is optional. The PDS says the option must be selected for cover for an accident while skiing or participating in winter sports. Check the activity wording and exclusions for the particular sport you plan to do.
Understand the limits of COVID-19 cover
The PDS confines COVID-19 cover to specified cancellation, overseas medical and emergency-expense sections, with named additional benefits where cruise or winter-sports options apply. It excludes pandemic- or epidemic-related claims under other sections. This is not blanket pandemic cover; read the relevant section for the event and expense you are concerned about.
What the published benefits do—and do not—establish
The international product page advertises 24/7 overseas emergency assistance and a 15% RACT member discount. The discount applies to premium excluding GST, stamp duty and other taxes; RACT says it may amend or withdraw the offer and that it cannot be combined with another promotional discount. Check eligibility and the offer at quote time. Destinations affect the premium, and the reviewed official material does not state a single price for Annual Multi-Trip.
RACT says its Comprehensive plan received a Mozo Expert Choice 2025 Award for Exceptional Quality Travel Insurance. That is RACT’s report of the award, not an independent assessment of the award methodology or a substitute for matching the policy to your needs.
The insurer named in the PDS is Tokio Marine & Nichido Fire Insurance Co., Ltd.; Tokio Marine Management (Australasia) is its managing agent, and RACT distributes the product as an authorised representative. RACT’s documents index says to use the policy document effective when you purchased. The current wording discussed here is effective 31 March 2026, so a policy bought under an earlier version may have different terms. RACT’s travel insurance documents page provides the relevant documents.
Quick Recap
How to assess whether it fits your trips
- Map every trip: compare each trip’s dates and length with the 12-month policy period and the maximum duration on the Certificate of Insurance.
- Check the domestic boundary: identify Australian trips more than 250 km from home, but budget separately for domestic medical, hospital, dental and evacuation expenses.
- Declare places and activities: list destinations and regions at purchase, then confirm whether ocean cruising or winter sports requires an option.
- Match benefits to costs: compare the cancellation limit you choose, luggage and item limits, emergency expenses, rental-car excess and travel delay across the plans.
- Read the governing documents: check the applicable PDS and Certificate of Insurance for eligibility, exclusions, sublimits and accepted changes; use the policy version effective on your purchase date.
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
