RACV Travel Insurance

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

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Updated Jul 3, 2021. What changed?

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Important:

Travel insurance rules continue to change as a result of the pandemic. Some information may not be accurate at this time. It’s even more important to double-check all details that matter to you before taking out cover. Please note:

Some policies may not be available through Finder at this time
It’s unlikely that your policy will cover expenses from border closures

Our Verdict

When you take out travel insurance with RACV, you'll automatically become a member and will be able to access exclusive discounts and special offers. If you're already a member, RACV offers 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 a generous offer compared to the industry standard, that puts dependents under the age of 18, or sometimes 21.

We compared RACV with 10 other travel insurance providers and found that seven offer some kind of cover for the pandemic. RACV wasn't one of them.

_{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 visit their website at www.racv.com.au for more information or compare alternative options available below.

Compare your travel insurance quotes

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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Summary of RACV's Total Travel Care policy

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

^{Table updated July 2021}

What policies are available with RACV travel insurance?

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

airplane

International travel plans

3 levels of cover for overseas travel so you can choose a policy suitable for your trip!

lugagge

Domestic travel plans

3 levels of cover for your trip around Australia, choose from a comprehensive policy, cancellation only or rental car excess only.

plane ticket

Annual multi trip travel insurance

For those globetrotters with maximum trip durations of 30,45 or 60 days.

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 Travel Care	International Total Travel Care	Annual Multi-Trip Cover
Cancellation fees and lost deposits	Unlimited		$25,000	Unlimited	Unlimited
Travel agent fees	$2,000	No	$2,000	$4,000	$4,000
Overseas medical and hospital costs		Unlimited	Unlimited	Unlimited	Unlimited
Cash in hospital		$1,500	$3,500	$6,000	$6,000
Overseas dental costs		$500	$2,000	Unlimited	Unlimited
Funeral expenses overseas		$10,000	$15,000	$20,000	$20,000
Luggage loss or damage	$7,500	$2,000	$7,500	$15,000	$15,000
Travel documents			$1,500	$5,000	$5,000
Luggage delay	$500		$500	$750	$750
Personal money	$250		$250	$500	$500
Emergency expenses	$25,000	$5,000	$25,000	Unlimited	Unlimited
Resumption of travel			$1,500	$5,000	$5,000
Special events			$2,000	$5,000	$5,000
Accidental death	$25,000		$15,000	$25,000	$25,000
Accidental disability	$25,000		$15,000	$25,000	$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		$5,200	$10,400	$10,400
Financial default	$3,000		$5,000	$10,000	$10,000
Domestic pets				$650	$650
Domestic services	No	No	No	$1,500	$1,500
Travel delay	$1,500		$1,500	$3,000	No
Hijak and kidnapping			$5,000	$10,000	$10,000

^{Table updated July 2021}

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.
- Additional Expenses
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.
- Travel Documents
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.
- Money
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.
- Travel Delay
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.
- Resumption of Journey
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.
- Special Events
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.
- Hospital Incidentals
If you are hospitalised, it can pay you for incidental costs such as phone calls and magazines.
- Loss of Income
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.
- Disability
The insurer can pay if you become disabled during the period of insurance.
- Accidental Death
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.
- Personal Liability
If you damage someone else's property, RACV cover can pay out for legal liability.

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.

	International
Total travel care plan	$8,000
Extra travel care plan	$4,000

	Domestic
Domestic plan	$5,000
Rental car excess only	Cover 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

FAQ:

Additional benefits you can purchase include the ski and winter sports option, which provides extra cover for different snow sport activities, including skiing, snowboarding, ice skating and hockey, luging, snowmobiling and tobogganing (on the proviso that you are following all safety guidelines and equipment).

Benefits include:

	Domestic travel cover	International Travel Care	International Extra Travel Care	International Total Travel Care	Annual multi-trip cover
Ski overseas medical and hospital	No	No	Yes - Unlimited	Yes - Unlimited	Yes - Unlimited
Equipment hire	Yes - $1,000	No	Yes - $1,000	Yes - $2,000	Yes - $2,000
Ski pack	Yes - $500	No	Yes - $500	Yes - $1,000	Yes - $1,000
Piste closure	No	No	Yes - $500	Yes - $1,000	Yes - $1,000
Bad weather and avalanche	Yes - $500	No	Yes - $500	Yes - $1,000	Yes - $1,000
Lift pass	Yes - $250	No	Yes - $250	Yes - $500	Yes - $500

Zahra Campbell-Avenell

As Head of Publishing and Editorial for Finder in Australia, Zahra Campbell-Avenell leads a team of experts to deliver on Finder's mission to help people make better decisions with their money. Zahra has over 12 years of experience in editorial content, and a Bachelor of Arts in Anthropology and English from Georgetown University in Washington DC.

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16 Responses

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.

finder 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!

Cheers,
Jeni

GeoffAugust 31, 2018

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

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

Hope this helps!
Reggie

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?

finder 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.

Cheers,
Joshua

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?

finder 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.

Regards,
Jhezelyn

bobFebruary 3, 2017

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

finder 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.

Cheers,
Richard

RACV Travel Insurance