RACV Travel Insurance

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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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

    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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    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

    What policies are available with RACV travel insurance?

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


    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 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

      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.


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