RACV Travel Insurance

Summary of RACV's International Comprehensive policy

^{Table updated January 2023}

How does RACV Travel Insurance cover COVID-19?

RACV covers COVID-19 in a variety of scenarios that include medical expenses and cancellation. Here's what you can expect:

• Cancellation fees and lost deposits for travel and accommodation arrangements if your trip is cancelled or cut short due to COVID-19
• Medical, hospital and emergency expenses outside of Australia if you are diagnosed with COVID-19
• Emergency or additional expenses including travel and accommodation costs if you are diagnosed with COVID-19
• Funeral expenses if you, your children or your grandchildren die while overseas
• Boarding kennel or cattery fees if you're delayed beyond your return date
• Travel delay expenses if your scheduled transport is delayed due to COVID-19

However, some exclusions apply, so it's important to review RACV's product disclosure statement (PDS) to ensure you'll have enough cover when you need it the most.

RACV's COVID-19 benefits are only available under its Comprehensive and Domestic policies. Plus, there is also a combined maximum benefit of up to $3,500 for cancellation, additional and travel delay expenses. This might not be enough cover if you're planning a big trip.

If RACV's COVID-19 cover isn't quite hitting the mark, we've compared all the providers that offer cover for COVID-19.

What policies does RACV offer?

RACV has a wide variety of travel insurance to choose from. If you're heading overseas, you've got Comprehensive, Essentials, Basics and Annual Multi-trip policies. For travel around Australia, there are Domestic, Domestic Cancellation and Rental Car Excess policies.

This insurance is issued by Tokio Marine & Nichido Fire Insurance Co., Ltd (Tokio Marine & Nichido). It comes with a 21-day cooling-off period and a choice of excess.

The cooling-off period gives you 21 days from the date of issue of your policy to make sure this is the right policy for you. You'll receive a full refund provided you have not started your trip and that you do not want to make a claim or exercise any other right under the policy.

Here's a breakdown of RACV travel insurance features

How to make an RACV Travel Insurance claim

You can contact the RACV claims team at 1300 207 387 to start the claim process. Alternatively, the quickest way to make a claim is by using the online claim lodgement following the steps below.

1. Head to https://racv-onlineclaim.tmnfatravelinsurance.com.au/Account/Register
2. Register with the email address you used to purchase your policy
3. Complete your claim details by answering all sections
4. Upload any supporting documents relevant to your claim
5. Submit and your claim should be assessed within 10 working days

Frequently asked questions

• What company is the underwriter for RACV insurance?

  RACV insurance is issued by Tokio Marine & Nichido Fire Insurance Co., Ltd (Tokio Marine & Nichido) ABN 80 000 438 291, AFSL 246548.

• Is RACV Australia owned?

  Yes, RACV is a locally-owned, unlisted public company that has been operating since 1903.

• Can I make changes to my policies?

  Yes. You can extend your cover at no extra charge if your delay is due to a reason covered under your policy. You can apply to extend any single trip policy for any other reason by contacting RACV directly at least 5 days before your policy's expiration date.

• Does RACV travel insurance cover adventure activities?

  Yes, some adventure activities are covered as standard and others are covered under certain conditions. For example, bungee jumping, jet boating and quad biking are covered provided you use a commercial operator and you don't need any special skills or a high level of fitness to participate.

  RACV also has a list of high-risk activities that are excluded from cover altogether. These include motocross, canoeing grade 5 rapids and above and any kind of professional sport.

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