Review RACV's travel insurance policies and see if one is right for you.
When planning your holiday, remember to include travel insurance on your packing list. While you might not want to think about it, your belongings might get stolen, you may fall ill or get injured, but with travel insurance, you can get covered for resulting expenses. Travel insurance provides excellent peace of mind to help you enjoy your holiday or business trip away.
Receiving the royal seal of approval in 1916, RACV provides a range of insurance policies to give you the peace of mind you need to enjoy your trip.
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What policies does RACV offer?
Domestic travel insurance – If your holiday doesn’t take you out of Australia, domestic travel insurance is the cover you need. Protecting you anywhere in the sunburnt country, a domestic travel policy will cover your luggage and any risk of cancellation or disruption to your travel. RACV offer three options:
- Domestic Cancellation Plan, for those only worried about their travel plans going awry
- Rental Car Insurance Excess, protecting you and any rental vehicle you might wish to use
- Comprehensive, covering everything except medical or hospital costs that would be covered by Medicare
International travel insurance – If your adventures are taking you out of the lucky country and into the wider world, RACV provides a range of international travel insurance policies that can cover everything, from the basics of medical cover and legal liabilities to luggage and unexpected costs. Like the domestic policy, you have a few to choose from:
- Travel Care, your no-frills policy for basic medical and emergency cover
- Extra Travel Care, providing additional cover such as cancellation and travel agent fees
- Total Travel Care, offering additional cover and higher financial protection
Annual multi-trip insurance – Instead of getting cover for each trip, if you’re planning multiple trips throughout the year, the RACV offers annual insurance cover, providing comprehensive cover for an unlimited number of trips over a 12-month period. Each trip can be covered for either 30, 45 or 60 days.
How do policies compare?
Domestic travel cover
International travel cover
Annual multi-trip cover
|Travel Care||Extra Travel Care||Total Travel Care|
|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|
|Resumption of travel|
|Rental car excess|
|Loss of income|
|Hijak and kidnapping|
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 during the period of insurance 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, your relative or your business partner become sick, it can cover you for reasonable additional hotel accommodation and additional transport expenses incurred.
- Amendment or Cancellation Costs
It covers your amendment or cancellation costs due to circumstances outside your control and unforeseen at the relevant time.
- Luggage and Personal Effects
If during the period of insurance, your luggage or personal effects are lost, stolen or damaged, it 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, and potentially legal liability arising from their subsequent illegal use.
- Delayed Luggage Allowance
If all your luggage is delayed by a transport provider during the journey for more than 24 hours, you may claim up to $750 for essential emergency items of clothing and toiletries.
RACV can reimburse you for cash, bank or currency notes, and postal or money orders accidentally lost or stolen from you.
- Rental Car Insurance Excess
This helps cover rental car insurance excess you become liable to pay as a result of damage to, or theft of, a rental car while in your control during the journey.
- Travel Delay
If your pre-booked transport is temporarily delayed for at least six hours due to an unforeseeable circumstance outside your control, you can be reimbursed up to $500 for reasonable additional accommodation expenses.
- Resumption of Journey
If you are required to return to Australia 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.
- Special Events
If you are unable to arrive in time to attend a wedding, funeral, pre-paid conference or sporting event because of unforeseeable circumstances, the company may pay the reasonable 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, during the period of insurance, you suffer an injury caused solely and directly by violent, accidental, visible and external means, which results in you being able to work, you may claim for loss of income.
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
RACV travel insurance liability cover can pay out for legal liability in respect to compensation payable for damage caused to someone else’s property, or the injury or death of someone else for which you may be liable.
What won't be covered by my policy?
General exclusions include:
- Not acting in a responsible way to protect yourself and your property
- Travelling when you know you are unfit or against medical advice
- Failing to maintain a course of treatment while travelling
- Death, illness or injury from an existing condition (unless covered by your policy)
- Birth of a child or any pregnancy-related condition
- Treatment at a spa, nursing home or any rehabilitation centre unless agreed by RACV
- Excess medical charges
- Any consequential loss or loss of enjoyment
- A loss caused by or in connection with a criminal or dishonest act
- Any loss caused by government intervention or regulation
- Failure to take precautions after a public warning of strike, riot, civil commotion or natural disaster
- Operating a rental vehicle in an illegal or dangerous manner
- Credit card conversion fees and other bank charges
What excess will I be charged?
The excess you are charged depends on the cover you have selected, the specifics of your claim (such as the actual amount of loss), pre-existing medical conditions, any additional extras you have selected, as well as your level of premium. You can pay a higher premium for lower excess, or vice versa.
Why should I consider RACV for travel insurance?
RACV is one of Australia’s oldest mutual organisations. Founded in 1903, the company is owned by its members, which today number over 2 million. With a focus on people over profits, all RACV policies cover children and grandchildren under the age of 25, not working full time and travelling with you, at no extra cost. RACV also provides a 24-hour emergency assistance line staffed by emergency assistance experts with a global network of medical and logistical staff to help you out, wherever you may be. Additional cover for cancellations and rental hire are offered for all policies, as well as extra cover for snow trips and winter sports.
How can I make a claim?
To make a claim, either go online to racv.tmnfatravelinsurance.com.au/how-to-claim or phone 1300 207 387. You can also send an email to firstname.lastname@example.org or mail them directly at RACV Travel Insurance, c/o TMNFA, GPO Box 4616, Sydney NSW 2001.
If you have an emergency, you can contact RACV while overseas on +61 2 8055 1699.
To speak with an RACV sales representative, go to racv.com.au or call 13 13 29.
Who can get a policy with RACV?
You are able to purchase RACV travel insurance policies if you are an Australian resident over the age of 18 and:
- Purchased your policy before departing
- Are purchasing a domestic policy for travel within Australia only, and an international policy if you plan on going overseas
If you are an Australian temporary resident rather than a citizen, you must:
- Purchase your policy before departing
- Purchase a domestic policy for travel within Australia only, and an international policy if you plan on going overseas
- Hold a current Australian Visa that will remain valid for longer than the duration of your trip
- Have purchased a return ticket and have an address in Australia to return to