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RACV Travel Insurance

Disclaimer:

RACV is currently not available through travelinsurance.com.au. You are welcome to visit their website for more information or compare travel insurance options available from us.

RACV Policy Options

Domestic travel insurance: Insurance for anywhere in Australia, covering you for cancellations, lost or delayed luggage, and rental vehicle excess.

International travel insurance: From basic to comprehensive overseas insurance, you are covered for all your needs including medical, luggage, and cancellations.

Annual multi-trip travel insurance: If you plan on travelling a few times in a year, this is the cover for you. It minimises the need to buy travel insurance for each trip, ensuring you are covered for a 12-month period with an unlimited number of trips, each extending for a period or 30, 45 or 60 days.

RACV Policy Benefits

Benefit

*International

Total Travel Care

*International Extra Travel Care

*International Travel Care

Annual Multi-Trip

Domestic

Cancellation Fees and Lost Deposits

Unlimited

$25,000

-

Unlimited

Unlimited

Travel Agent Fees

$4,000

$2,000

-

$4,000

$2,000

Overseas Medical and Hospital

Unlimited

Unlimited

Unlimited

Unlimited

-

Cash in Hospital

$6,000

$3,500

$1,500

$6,000

-

Overseas Dental

Unlimited

$2,000

$500

Unlimited

-

Funeral Expenses Overseas*

$20,000

$15,000

$10,000

$20,000

-

Luggage

$15,000

$7,500

$2,000

$15,000

$7,500

Travel Documents

$5,000

$1,500

-

$5,000

-

Luggage Delay

$750

$500

-

$750

$500

Personal Money

$500

$250

-

$500

$250

Emergency Expenses

Unlimited

$25,000

$5,000

Unlimited

$25,000

Resumption of Travel

$5,000

$1,500

-

$5,000

-

Special Events

$5,000

$2,000

-

$5,000

-

Accidental Death*

$25,000

$15,000

-

$25,000

$25,000

Accidental Disability*

$25,000

$15,000

-

$25,000

$25,000

Your Legal Liability

$10,000,000

$10,000,000

$10,000,000

$10,000,000

$10,000,000

Rental Car Excess

$8,000

$4,000

-

$8,000

$5,000

Loss of Income

$10,400

$5,200

-

$10,400

$5,200

Financial Default

$10,000

$5,000

-

$10,000

$3,000

Domestic Pets

$650

-

-

$650

-

Domestic Services

$1,500

-

-

$1,500

-

Travel Delay

$3,000

$1,500

-

$3,000

$1,500

Hijack and Kidnap*

$10,000

$5,000

-

$10,000

-

Optional Add-ons: Ski and Winter Sports

Ski Overseas Medical and Hospital

Unlimited

Unlimited

N/A

Unlimited

-

Equipment Hire

$2,000

$1,000

N/A

$2,000

$1,000

Ski Pack

$1,000

$500

N/A

$1,000

$500

Piste Closure

$1,000

$500

N/A

$1,000

$0

Bad Weather and Avalanche

$1,000

$500

N/A

$1,000

$500

Lift Pass

$500

$250

N/A

$500

$250

*Per person listed in the policy

General Exclusions from all RACV Policies

  • Travelling against medical advice

  • Claims for costs outside your insured period.

  • Any consequential loss of any kind, including loss of enjoyment.

  • Failing to maintain a course of treatment while travelling

  • Negligent behaviour resulting in the loss or theft of personal belongings, or bodily harm.

  • Reckless behaviour while being under the influence of drugs or alcohol.

  • Claims as a result of war, conflict, civil unrest, or political demonstrations.

  • Claims arising from any unlawful act committed by yourself.

  • Treatment at a spa, nursing home or any rehabilitation centre unless agreed by RACV

  • Any circumstances where an advance warning was given by the Australian Government, such as natural disasters, terrorism, or health issues.

  • Additional medical expenses above what the policy covers.

  • Pregnancy after the 26th week.

  • Any elective cosmetic or dental surgery while travelling.

  • Attempted suicide or bodily harm resulting in a medical emergency.

  • The insolvency of a travel agent, tour operator, accommodation provider, airline, car rental agent, or other service providers and their failure to provide a service.

  • Participation in any high-risk activities where your safety is a concern.

*Other general exclusions are listed in the PDS for RACV travel insurance.

Pre-existing Medical Conditions Covered by RACV Policies

RACV policies do not cover all pre-existing medical conditions or all stages of pregnancy. See the medical conditions listed below for what is automatically covered.

- Acne

- Allergies (limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever)

- Asthma

- Bell’s Palsy

- Benign Positional Vertigo

- Bunions

- Carpal Tunnel Syndrome

- Cataracts

- Coeliac Disease

- Congenital Blindness

- Congenital Deafness

- Diabetes Mellitus (Type I)

- Diabetes Mellitus (Type II)

- Dry Eye Syndrome

- Epilepsy providing

- Gastric Reflux

- Gastric/Peptic Ulcer

- Glaucoma

- Gout

- Graves’ Disease

- Hiatus Hernia

- Hip/Knee replacement

- Hypercholesterolaemia (High Cholesterol)

- Hyperlipidaemia (High Blood Lipids)

- Hypertension (High Blood Pressure)

- Hypothyroidism, including Hashimoto’s Disease

- Incontinence

- Insulin Resistance

- Macular Degeneration

- Meniere’s Disease

- Migraine

- Nocturnal Cramps

- Plantar Fasciitis

- Raynaud’s Disease

- Sleep Apnea

- Solar Keratosis

- Trigeminal Neuralgia

- Trigger Finger

Cooling-off period

You are given 21-days from the date of the issue of your policy, to decided whether the policy is right for you. This is known as the cooling-off period. During this time if you have not made a claim yet or started your trip, you can receive a full refund on your policy if you wish to cancel it.

RACV Contact Details

Underwriter

Tokio Marine & Nichido

Contact Number

13 13 29

Email Address

care@racv.com.au

Website

racv.com.au

24-hour Emergency Assistance Overseas

+61 (0) 2 8055 1699

Claims

acv.tmnfatravelinsurance.com.au/how-to-claim

Claims Contact Number

1300 207 387

Claims Email Address

racvclaims@tmnfatravelinsurance.com.au

Claims Address

RACV Travel Insurance c/o TMNFA

GPO Box 4616, Sydney

NSW 2001

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