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RACV Travel Insurance

RACV travel insurance has 7 different plans and if you're a member, you can get 15% off your policy.


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RACV Travel Insurance
RACV travel insurance is not currently available via finder. You can visit their website at for more information or compare alternative options available below.

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warning 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

Summary of RACV's Total Travel Care policy

Overseas Medical and Hospital ExpensesUnlimited
Cancellation and Amendment FeesUnlimited
Luggage and Personal Effects$15,000
Maximum Age Limit110

Table updated June 2020

What policies are available with RACV travel insurance?

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


International travel plans


Domestic travel plans

plane ticket

Annual multi trip travel insurance

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

Domestic travel cover

International travel care

International extra care

International total travel care

Annual multi-trip cover

Cancellation fees and lost deposits




Travel agent fees




Overseas medical and hospital costs




Cash in hospital




Overseas dental costs




Funeral expenses overseas




Luggage loss or damage




Travel documents




Luggage delay




Personal money




Emergency expenses




Resumption of travel




Special events




Accidental death




Accidental disability




Legal liability




Rental car excess




Loss of income




Financial default




Domestic pets




Domestic services




Travel delay




Hijak and kidnapping




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.

Total travel care plan$8,000
Extra travel care plan$4,000
Domestic plan$5,000
Rental car excess onlyCover chosen

Pre-existing conditions covered by RACV

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

  • Acne
  • Allergies limited to rhinitis, chronic sinusitis, eczema, food intolerance, hay fever
  • Asthma
  • Bell's palsy
  • Carpal tunnel syndrome
  • Cataracts
  • Coeliac disease
  • Congenital blindness
  • Congenital deafness
  • Diabetes (types 1 & 2)
  • Dry eye syndrome
  • Epilepsy
  • Gastric reflux
  • Gastric/peptic ulcer
  • Glaucoma
  • Gout
  • Graves' disease
  • Hip/knee replacement
  • High cholesterol/blood pressure
  • Hypothyroidism
  • Incontinence
  • Macular degeneration
  • Migraine
  • Sleep apnea

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

Claims and contact details

Emergency Assistance (24/7 help): +61 2 8055 1699

Make a claim online: Register and start your claim at

Make a claim over the phone: 1300 207 387

General phone enquiries: 13 13 29



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16 Responses

  1. Default Gravatar
    melAugust 7, 2019

    Going on a cruise and plan to have a few drinks, not excessive though, wondering if we are covered if we have had a drink and anything happens.

    • Avatarfinder Customer Care
      JeniAugust 8, 2019Staff

      Hi Mel,

      Thank you for getting in touch with Finder.

      Normally insurers will have a general exclusion that prohibits claims where alcohol was the root cause. To know more on taking alcohol and having travel insurance, please check out our page here. To know the level of your travel insurance cover, please contact your provider directly.

      I hope this helps.

      Thank you and have a wonderful day!


  2. Default Gravatar
    GeoffAugust 31, 2018

    does RACV travel insurance cover being picked up from a cruise ship at sea

    • Avatarfinder Customer Care
      JohnAugust 31, 2018Staff

      Hi Geoff,

      Thank you for leaving a question.

      Upon verifying in the terms and conditions for RACV. If you take out any of the international travel insurance policies, you’re covered with cruise travel insurance which covers the following:

      Overseas medical expenses and medical evacuation
      Luggage and personal items
      24-hour emergency assistance
      Emergency expenses overseas
      Pre-existing medical conditions and pregnancy

      Hope this helps!

  3. Default Gravatar
    KeithFebruary 4, 2018

    Does RACV Travel Insurance cover cost of repatriation to home should I have a serious accident or contract a serious disease or medical condition where I am required to return home on a special stretcher etc. and/or require in flight and travel assistance and/or medical assistance?

    • Avatarfinder Customer Care
      JoshuaFebruary 11, 2018Staff

      Hi Keith,

      Thanks for getting in touch.

      Basically, RACV Travel insurance includes “Amendment or Cancellation Costs”. They will cover your trip amendments or cancellation due to circumstances outside your control and unforeseen at the relevant time. So in the event that you are sent home due to a serious accident or you got a serious disease or medical condition while overseas, you may have to contact RACV to confirm if you can get a claim for your trip cancellation costs.

      Although they have Resumption of Journey, they will only cover you for this if your repatriation is due to the sudden serious injury, sickness, disease or death *of a relative or business partner in Australia*. RACV can cover you for economy class transport costs.

      I hope this helps.


  4. Default Gravatar
    StephJuly 10, 2017

    I would like to know if RACV travel insurance covers you for a break up of relationship therefore not wanting to travel anymore?

    • Avatarfinder Customer Care
      JhezJuly 11, 2017Staff

      Hi Steph,

      Thanks for your comment.

      The Comprehensive RACV travel insurance policy covers amendment or cancellation costs due to circumstances outside your control and unforeseen at the relevant time. Therefore, RACV (or any other travel insurance provider) will not provide any cover for cancellation due to breakup of relationship.

      You may try to contact RACV about this as cover varies from policy to policy.


  5. Default Gravatar
    bobFebruary 3, 2017

    does t/ insurance cover property rental if owners cancel my booking

    • Avatarfinder Customer Care
      RichardFebruary 3, 2017Staff

      Hi Bob,

      Thanks for getting in touch. You will need to contact RACV about this as cover varies from provider to provider and policy to policy but generally policies won’t for scheduling and cancellations of that nature.


  6. Default Gravatar
    shkeki3@gmail.comMay 7, 2016

    I need to know if we need to let you know about existing medical conditions (if any).

    • Avatarfinder Customer Care
      RichardMay 9, 2016Staff

      Hi Shkeki,

      Thanks for your question. is a comparison service and not an insurance brand. You will need to inform your insurer of any relevant conditions when you apply for cover.

      I hope this was helpful,

  7. Default Gravatar
    TanyaSeptember 18, 2015


    If i travel with two children and my luggage is delayed, do you COVER MYSELF AND CHILDREN OR MYSELF WITH AN ‘ADULT ALLOWANCE’ out of which I will have to purchase needed items for my children?

    Thank you

    • Avatarfinder Customer Care
      RichardSeptember 21, 2015Staff

      Hi Tanya,

      Thanks for your question. is a comparison service and not an insurer. RACV Travel Insurance is not part of the panel of insurers we have access to. Depending on the policy, RACV provide a benefit of $500-750 for luggage delay.

      I hope this was helpful,

  8. Default Gravatar
    DJune 19, 2015

    Am I covered for sea sickness during a sea cruise?

    • Avatarfinder Customer Care
      RichardJune 19, 2015Staff

      Hi Jasper,

      Thanks for your question. is a comparison service and not an insurer, we do not have any affiliation with RACV Travel Insurance. It would depend on your policy whether or not you’re covered for medical costs while travelling. You’re best bet would be to contact RACV Travel Insurance directly, and ask them what your policy covers.

      I hope this was helpful,

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