RACV Travel Insurance

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A travel ban is in place for all Australians effective 25 March 2020. Most travel insurance brands will not cover you if you travel against a government warning. If you already have a policy, please contact your insurer directly for more information.
We are currently updating our site to reflect the Australian government’s advice. Some travel insurance policies will be temporarily unavailable.

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Finder's favourite features:

1. Free cover for dependent kids under 25yrs (the industry standard is 18-21yrs!)
2. Up to $8,000 rental car excess cover on some policies
3. 15% off your policy if you're an RACV member

Get your RACV travel insurance quote here

• Who underwrites RACV travel insurance policies?

  RACV is underwritten by Tokio Marine & Nichido Fire Insurance Co., Ltd (Tokio Marine & Nichido).

Summary of RACV's Total Travel Care policy

^{Table updated February 2020}

What policies are available with RACV travel insurance?

Here's a quick summary of the different policies that RACV offer.

A default excess of $250 is applied to all plans, you can opt to lower your excess to either $100 or $0 for an extra payment.

RACV travel insurance review of policy benefits

• Detailed summary of RACV benefits

  What am I covered for?

  Many benefits are included in comprehensive RACV travel insurance plans. They include:

  • Overseas Medical and Dental Expenses (in international policies only)

  If you suffer a disabling sickness, disease or injury, RACV can pay the usual cost of medical treatment, as well as ambulance transportation and overseas emergency dental treatment.

  • Additional Expenses

  If you, a family member or business partner become sick, it can cover you for reasonable additional hotel accommodation and additional transport expenses incurred.

  • Amendment or Cancellation Costs

  If there are circumstances beyond your control that mean you need to change or cancel your booking, this can cover the costs.

  • Luggage and Personal Effects

  If your luggage or personal effects are lost, stolen or damaged, this can replace, repair or pay you the value in cash of the luggage or personal effects.

  • Travel Documents

  RACV can pay you the cost of replacing travel documents and credit cards lost or stolen during the journey as well as potentially legal liability arising from their subsequent illegal use.

  • Delayed Luggage Allowance

  If all your luggage is delayed during the journey for more than 24 hours, you may be able to claim for essential emergency items of clothing and toiletries.

  • Money

  RACV can reimburse you for cash, bank or currency notes as well as lost or stolen postal or money orders.

  • Rental Car Insurance Excess

  This helps cover rental car insurance excess you become liable to pay if you damage your rental car or it is stolen.

  • Travel Delay

  If your pre-booked transport is temporarily delayed for at least six hours due to circumstances outside of your control, you can be reimbursed for additional accommodation expenses.

  • Resumption of Journey

  RACV can cover you for economy class transport costs if you need to return to Australia due to the sudden serious injury or death of a relative or business partner in Australia.

  • Special Events

  If unforeseeable circumstances prevent you from getting to a special event on time, such as a wedding or funeral, you can get cover for the additional cost of using alternative transport to arrive at your destination on time.

  • Hospital Incidentals

  If you are hospitalised, it can pay you for incidental costs such as phone calls and magazines.

  • Loss of Income

  If you suffer an injury caused solely and directly by violent, accidental, visible and external means, which results in you being unable to work, you may claim for loss of income.

  • Disability

  The insurer can pay if you become disabled during the period of insurance.

  • Accidental Death

  The insurer may pay your estate the amount shown in the plan purchased, provided your death occurs within one year of an injury sustained while travelling.

  • Personal Liability

  If you damage someone else's property, RACV cover can pay out for legal liability.

Policy add-ons available with RACV travel insurance

• Ski and Winter Sports cover. You can purchase additional cover on the Total Travel Care, Extra Travel Care and Domestic policy. You will need to purchase this add-on if you plan on skiing or snowboarding to be covered for any accidents or injuries that could happen on the slopes.It's handy to know that RACV provide a specific benefit for Lift Passes, separate from the normal Ski Pack allowance.

RACV car hire excess insurance

Car hire excess insurance covers the excess amount that a rental company will charge if you get into an accident and damage the vehicle. Without this, you would need to pay for damages to the car and damages to other property involved. You can imagine how quickly the expenses would sum up!

In saying this, make sure you pay attention to the excess amount charged by the car rental company, and ensure you take out the appropriate policy to cover this amount. The below table outlines the limits for rental car excess insurance with RACV.

Pre-existing conditions covered by RACV

You are covered for certain pre-existing conditions at no extra charge. Cover includes:

Conditions that aren't covered include:

• Conditions involving drugs or alcohol dependence
• Conditions you are travelling to seek medical treatment or review for
• You have booked or started travelling against medical advice
• Any conditions you are currently awaiting surgery, treatment, investigation or procedures for

RACV travel insurance claim and contact details

FAQ:

• Can I make changes to my policies?

  Yes. You can extend your cover at no extra charge if your return journey or luggage and personal effects have been delayed due to a bus service, airline, cruise line, shipping line or rail authority. You can apply to extend cover for any other reason by contacting RACV directly.

• Is there a cooling off period?

  You have 21 days from the date of issue of your policy (as shown on your certificate of insurance) to make sure this is the right policy for you, provided you have not started your trip and that you do not want to make a claim or exercise any other right under this policy.

• What additional benefits can I purchase?

  Additional benefits you can purchase include the ski and winter sports option, which provides extra cover for different snow sport activities, including skiing, snowboarding, ice skating and hockey, luging, snowmobiling and tobogganing (on the proviso that you are following all safety guidelines and equipment).

  Benefits include:

  	Domestic travel cover	International travel cover			Annual multi-trip cover
  		Travel Care	Extra Travel Care	Total Travel Care
  Ski overseas medical and hospital	No	No	Yes - Unlimited	Yes - Unlimited	Yes - Unlimited
  Equipment hire	Yes - $1,000	No	Yes - $1,000	Yes - $2,000	Yes - $2,000
  Ski pack	Yes - $5,000	No	Yes - $500	Yes - $1,000	Yes - $1,000
  Piste closure	No	No	Yes - $500	Yes - $1,000	Yes - $1,000
  Bad weather and avalanche	Yes - $500	No	Yes - $500	Yes - $1,000	Yes - $1,000
  Lift pass	Yes - $250	No	Yes - $250	Yes - $1,000	Yes - $500

• Does RACV travel insurance cover cruises?

  You can purchase extra cover for cruising however, set benefits and limits are not stipulated in the PDS. The website mentions cover for medical expenses on board, cancellations and cover for your luggage on the ship.

• Are kids covered for free?

  Yes. Dependent children and grandchildren up to the age of 25 can be covered if they are named on the Certificate of Insurance.

Read more...

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  Travel insurance for over 80s

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  Cruise travel insurance

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  Car rental excess

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