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RACV Travel Insurance

RACV Travel Insurance review

RACV travel insurance has plans tailored to domestic and international travel. Plus, members get access to special discounts.

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Our Verdict

  • By becoming an RACV member, you can access generous discounts on its insurance policies. We struggled to find another insurance provider offering similar benefits.
  • Enjoy free cover for dependent children under the age of 25 on any policy. This is better than the industry standard, that puts dependents under the age of 18, or sometimes 21.
  • RACV currently offers some cover for the pandemic, including unlimited overseas medical cover to protect you in the event you or a travel companion are diagnosed with COVID-19 during your trip. Check the Ts&Cs with care.

Review by our senior insurance writer James Martin

RACV offers five travel insurance policies to choose from, from its budget-conscious care packages to its comprehensive total travel care cover policy. We've put all of the details into a handy table below so you can compare each policy side-by-side and see which is better suited for your trip(s).

RACV travel insurance is not currently available via Finder. You can head to the RACV website or compare alternative options available below.

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Summary of RACV's Total Travel Care policy

Overseas Medical and Hospital ExpensesUnlimited
Cancellation and Amendment FeesUnlimited
Luggage and Personal Effects$15,000
Funeral Expenses Overseas$20,000

Table updated July 2021

RACV travel insurance review of policy benefits

Domestic Travel Cover

International Travel Care

International Extra Travel Care

International Total Travel Care

Annual Multi-Trip Cover

Cancellation fees and lost depositsUnlimited
Travel agent fees




Overseas medical and hospital costs
Cash in hospital
Overseas dental costs
Funeral expenses overseas
Luggage loss or damage$7,500$2,000$7,500$15,000$15,000
Travel documents
Luggage delay$500
Personal money$250
Emergency expenses$25,000$5,000$25,000UnlimitedUnlimited
Resumption of travel
Special events
Accidental death$25,000
Accidental disability$25,000
Legal liability$10,000,000$10,000,000$10,000,000$10,000,000$10,000,000
Rental car excess$5,000$0$4,000$8,000$8,000
Loss of income$5,200
Financial default$3,000
Domestic pets
Domestic services




Travel delay$1,500
Hijak and kidnapping

Table updated July 2021

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 https://racv-onlineclaim.tmnfatravelinsurance.com.au/Account/Register

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. 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!


  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.


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