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.
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.
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.
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.
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.
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.
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.
If you are hospitalised, it can pay you for incidental costs such as phone calls and magazines.
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.
The insurer can pay if you become disabled during the period of insurance.
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.
If you damage someone else's property, RACV cover can pay out for legal liability.
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.
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. You can learn more about how travel insurers treat alcohol and drug use. 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!
Cheers,
Jeni
does RACV travel insurance cover being picked up from a cruise ship at sea
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
Cancellations
Luggage and personal items
24-hour emergency assistance
Emergency expenses overseas
Pre-existing medical conditions and pregnancy
Hope this helps!
Reggie
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?
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.
Cheers,
Joshua
I would like to know if RACV travel insurance covers you for a break up of relationship therefore not wanting to travel anymore?
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.
Regards,
Jhezelyn
does t/ insurance cover property rental if owners cancel my booking
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.
Cheers,
Richard