RACV Travel Insurance | Review, Compare and Save

RACV Travel Insurance

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

RACV Travel Insurance

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Travel insurance rules continue to change as a result of the coronavirus pandemic. We’re working hard to keep up and make sure our guides are up to date, however some information may not be accurate during the pandemic. It’s even more important to double-check all details that matter to you before taking out cover. Please know that some policies may not be available through Finder at this time. Here are some helpful tips:
    • If you're buying a policy today, it's unlikely that you'll be covered for any coronavirus-related claims
    • If your travel plans go against government advice, your policy will most likely be voided and you won't be covered
    With over 2.2 million members, RACV is one of Victoria's best known car and travel insurance providers. When you buy an RACV travel insurance policy - or any other policy - you automatically become an RACV member, which gives you access to discounts and special offers including money off insurance premiums, holidays, movie tickets and more.
    RACV travel insurance is not currently available via finder. You can visit their website at www.racv.com.au for more information or compare alternative options available below.

    Compare your travel insurance quotes

    warning Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘
    Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.
    International travel insurance is limited and sometimes unavailable at this point.

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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. Signing up to a plan gives you access to RACV member discounts

    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 August 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 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

      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!


      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!

      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.


      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.


      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.


      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. finder.com.au 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,

      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. finer.com.au 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,

      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. finder.com.au 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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