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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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We’re committed to our readers and editorial independence. We don’t compare all products in the market and may receive compensation when we refer you to our partners, but this does not influence our opinions or reviews. Learn more about Finder.
Important:
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
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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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 Expenses | Unlimited |
|---|---|
| Cancellation and Amendment Fees | Unlimited |
| 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.
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 | Unlimited | No | $25,000 | Unlimited | Unlimited |
| Travel agent fees | $2,000 | No | $2,000 | $4,000 | $4,000 |
| Overseas medical and hospital costs | No | Unlimited | Unlimited | Unlimited | Unlimited |
| Cash in hospital | No | $1,500 | $3,500 | $6,000 | $6,000 |
| Overseas dental costs | No | $500 | $2,000 | Unlimited | Unlimited |
| Funeral expenses overseas | No | $10,000 | $15,000 | $20,000 | $20,000 |
| Luggage loss or damage | $7,500 | $2,000 | $7,500 | $15,000 | $15,000 |
| Travel documents | No | No | $1,500 | $5,000 | $5,000 |
| Luggage delay | $500 | No | $500 | $750 | $750 |
| Personal money | $250 | No | $250 | $500 | $500 |
| Emergency expenses | $25,000 | $5,000 | $25,000 | Unlimited | Unlimited |
| Resumption of travel | No | No | $1,500 | $5,000 | $5,000 |
| Special events | No | No | $2,000 | $5,000 | $5,000 |
| Accidental death | $25,000 | No | $15,000 | $25,000 | $25,000 |
| Accidental disability | $25,000 | No | $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 | No | $4,000 | $8,000 | $8,000 |
| Loss of income | $5,200 | No | $5,200 | $10,400 | $10,400 |
| Financial default | $3,000 | No | $5,000 | $10,000 | $10,000 |
| Domestic pets | No | No | No | $650 | $650 |
| Domestic services | No | No | No | $1,500 | $1,500 |
| Travel delay | $1,500 | No | $1,500 | $3,000 | $3,000 |
| Hijak and kidnapping | No | No | $5,000 | $10,000 | $10,000 |
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:
Read more...
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Ask an Expert
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.
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. To know more on taking alcohol and having travel insurance, please check out our page here. 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
does RACV travel insurance cover being picked up from a cruise ship at sea
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
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?
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
I would like to know if RACV travel insurance covers you for a break up of relationship therefore not wanting to travel anymore?
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
does t/ insurance cover property rental if owners cancel my booking
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
I need to know if we need to let you know about existing medical conditions (if any).
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,
Richard
Hello,
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
Tanya
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,
Richard
Am I covered for sea sickness during a sea cruise?
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,
Richard