Compare Travel Insurance Policies from RACV and look for the cover that's right for your trip.
When planning your holiday remember to include travel insurance on your packing list. Your belongings might get stolen, you may fall ill or get injured while playing your favourite sports on holiday, 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 has since become a multifaceted, member-focused organisation, offering diverse products and services to more than two million members. RACV wants you to travel safely wherever you go, and has formed a partnership with one of Australia’s leading providers of travel insurance and medical assistance to offer care and protection for travellers in Australia and overseas.
Compare policies available from RACV
Who Underwrites RACV Travel Insurance?
RACV is underwritten by Tokio Marine & Nichido Fire Insurance Co., Ltd (Tokio Marine & Nichido).
RACV Travel Insurance Policy Options
RACV provides a range of travel insurance plans to choose from. Be sure to read the Product Disclosure Statement carefully to understand in detail what each policy covers. Importantly, you should understand the exclusions, limits and sub limits applied to each plan.
All of the covers start from the time you leave your home to go directly to the place from which you will depart on your travels. The covers end when you return to your home. The cover for cancellation fees and lost deposits begins from the time the policy is issued.
RACV international travel plans
- Covers you on individual overseas trips
- Your options are the basic Travel Care plan, the mid-level Extra Travel Care and the comprehensive Total Travel Care.
| Benefits | Travel Care | Extra Travel Care | Total Travel Care |
|---|---|---|---|
| Cancellation Fees and Lost Deposits | No | $25,000 | $Unlimited |
| Travel Agent Fees | No | $2,000 | $4,000 |
| Overseas Medical and Hospital | $Unlimited | $Unlimited | $Unlimited |
| Cash In Hospital | $1,500 | $3,500 | $6,000 |
| Overseas Dental | $500 | $2,000 | $Unlimited |
| Funeral Expenses Overseas | $10,000 | $15,000 | $20,000 |
| Luggage | $2,000 | $7,500 | $15,000 |
| Travel Documents | No | $1,500 | $5,000 |
| Luggage Delays | No | $500 | $750 |
| Personal Money | No | $250 | $500 |
| Emergency Expenses | $5,000 | $25,000 | $Unlimited |
| Resumption of Journey | No | $1,500 | $5,000 |
| Special Events | No | $2,000 | $5,000 |
| Accidental Death | No | $15,000 | $25,000 |
| Accidental Disability | No | $15,000 | $25,000 |
| Your Legal Liability | $10,000,000 | $10,000,000 | $10,000,000 |
| Rental Vehicle Excess | No | $4,000 | $8,000 |
| Loss of Income | No | $5,200 | $10,400 |
| Financial Default | No | $5,000 | $10,000 |
| Domestic Pets | No | No | $650 |
| Domestic Services | No | No | $1,500 |
| Travel Delay | No | $1,500 | $3,000 |
| Hijack and Kidnap | No | $5,000 | $10,000 |
- Covers you for any international or domestic trips you take, within reason, for a full year. Can be annually renewed to make sure you’re almost always covered while travelling.
- Only comes as a comprehensive policy. No basic options are available.
| Benefits | Annual Multi-Trip Plan |
|---|---|
| Cancellation fees and Lost Deposits | $Unlimited |
| Travel Agent Fees | $4,000 |
| Overseas Medical and Hospital | $Unlimited |
| Cash In Hospital | $6,000 |
| Overseas Dental | $Unlimited |
| Funeral Expenses Overseas | $20,000 |
| Luggage | $15,000 |
| Travel Documents | $5,000 |
| Luggage Delay | $750 |
| Personal Money | $500 |
| Emergency Expenses | $Unlimited |
| Resumption of Journey | $5,000 |
| Special Events | $5,000 |
| Accidental Death | $25,000 |
| Accidental Disability | $25,000 |
| Your Legal Liability | $10,000,000 |
| Rental Vehicle Excess | $8,000 |
| Loss of Income | $10,400 |
| Financial Default | $10,000 |
| Domestic Pets | $650 |
| Domestic Services | $1,500 |
| Travel Delay | $3,000 |
| Hijack and Kidnap | $10,000 |
Ski and winter sports cover
- No ski and winter sports cover available with the basic Travel Care policy.
| Benefits | Travel Care | Extra Travel Care | Total Travel Care |
|---|---|---|---|
| Ski Overseas Medical and Hospital | N/A | $1,000 | $2,000 |
| Ski Equipment hire | N/A | $500 | $1,000 |
| Ski Pack | N/A | $500 | $1,000 |
| Piste Closure | N/A | $500 | $1,000 |
| Bad Weather and avalanche closure | N/A | $500 | $1,000 |
| Lift Pass | N/A | $250 | $500 |
RACV domestic travel insurance policies
- Covers you for individual trips while journeying within Australia only
- Choose from a comprehensive domestic travel plan, the domestic cancellation policy, or cover for rental car insurance excess
- Only the Comprehensive Domestic plan offers a breadth of cover for domestic travel. Domestic Cancellation and Rental Car Insurance Excess only cover those specific aspects
| Benefit | Comprehensive Domestic | Domestic Cancellation | Rental Car Insurance Excess |
|---|---|---|---|
| Cancellation Fees and Lost Deposits | $Unlimited | $1,000 | No |
| Travel Agent Fees | $2,000 | No | No |
| Luggage | $7,500 | No | No |
| Luggage Delay | $500 | No | No |
| Personal Money | $250 | No | No |
| Emergency Expenses | $25,000 | No | No |
| Accidental Death | $25,000 | No | No |
| Accidental Disability | $25,000 | No | No |
| Your Legal Liability | $10,000,000 | No | No |
| Rental Vehicle Excess | $5,000 | No | Choice of $1,000 to $8,000 |
| Loss of Income | $5,200 | No | No |
| Financial Default | $3,000 | No | No |
| Travel Delay | $1,500 | No | No |
What am I covered for?
Many benefits are included in comprehensive RACV travel insurance plans. They include:
- Overseas Medical and Dental Expenses
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 $375 for essential emergency items of clothing and toiletries.
- Money
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 $200 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, 25th or 50th wedding anniversary, 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.
- 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
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.
How to make a claim
If something happens on your trip and you need to make a claim, you can lodge a claim online 24 hours a day.
- Register on the RACV website with the same email you used to get the policy, and set up your password and account.
- If you need to make a claim just log in and fill out the form provided.
- Your claim will be assessed within 10 business days, and RACV will let you know if they require anything else to make it happen.
If you need to speak with RACV directly regarding your claim, you can reach RACV on 1300 207 387
Who’s eligible for RACV travel insurance?
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
Some questions about RACV you may have
Q. Does RACV travel insurance cover pre-existing conditions?
- You can find a list of the pre-existing conditions that are covered in your insurance Product Disclosure Statement (PDS). RACV may either cover pre-existing conditions at the cost of higher premiums, or will not cover claims related to that condition but will not raise your premiums.
Q. Do I really need snowsports cover?
- It depends on where you’re hitting the slopes, which policy you chose, how much you have invested in that trip and what your personal appetite for risk is like. Generally it may be more useful for overseas trips, pre-paid trips where bad weather can leave you out of pocket and situations where you won’t be covered by health insurance. You should also note that it won’t cover you if skiing professionally or off-piste.
Q. What’s the difference between RACV and other insurers?
- RACV is a mutual organisation rather than a typical direct insurance brand, and is owned by its members. Founded in 1903 and with over 2.1 million members today, RACV is one of Australia’s oldest mutual organisations, with many members.
Q. What kind of travel cover for children does RACV offer?
- Your children and grandchildren, up to the age of 25, can be covered under your travel insurance policy as long as they’re listed on the certificate of insurance, not working full time and will be travelling with you for the duration of the trip.
Q. Does RACV offer policies for singles, couples or families?
- The same range of policies are available whether you’re travelling alone, with your partner only or with the whole family. Simply select the option that suits your needs when taking out a policy.
Q. What’s the RACV travel insurance excess?
- You can choose from a several different excess options. The excess is an extra sum you must pay when making a claim to cover the insurer’s processing and administration costs. Selecting a higher excess means you pay a larger sum when making a claim, but can have lower premiums. Meanwhile, choosing a lower excess means you’ll generally get lower premiums, but will need to pay more in the event of a claim.
Q. What’s the difference between limits and sub-limits?
- Limits are the total amount you can claim for a certain feature, while sub-limits are smaller limits that exist within those. Consider Luggage in the Extra Travel Care international policy, for example. The limit is $7,500, but it has a sub-limit of $1,500 for cameras. This means you can claim up to $1,500 for lost, damaged or stolen cameras, and up to $7,500 for all items in total, under that policy.
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