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Are you considering RACV for your next travel insurance policy? We’ve gone through the fine-print to answer your burning questions about RACV, their travel insurance plans, any important exclusions, and which policy add-ons you might need, so you can find the right policy for your needs.

About RACV

RACV (Royal Automobile Club of Victoria Limited) is a mutual organisation with over 2 million members. Founded in 1903, RACV began as a social club for car and motorcycle owners, but has grown to become Victoria’s largest mutual organisation with a range of products and services in areas like insurance, motoring services, financial services, member advocacy, and holiday resorts. RACV travel insurance is underwritten by the Tokio Marine & Nichido Fire Insurance Co., Ltd.

Rates and fees verified as correct at 18 May 2022. Other information correct at the time of writing.

RACV travel insurance policies

RACV offers three tiers of domestic travel insurance, as well as three tiers of international travel insurance. These tiers range from Basics, to Essentials, to Comprehensive. RACV also offers an annual multi-trip travel insurance policy, if you’re looking for an extended policy that will cover multiple holidays within a one-year period.

  • Events

  • Limits shown apply

  • Covid medical cover

  • Covid cancellation cover

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health illness

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Comprehensive

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • Events
    • Unlimited

    • $15,000

    • Unlimited

    • Unlimited

    • $5,000

    • $6,000

    • $25,000

    • $25,000

    • $10,400

    • $5,000

    • $5,000

    • $5,000

    • $8,000

    • $5,000

    • $10,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
    • Essentials

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • Events
    • $25,000

    • $7,500

    • $25,000

    • Unlimited

    • $1,500

    • $3,500

    • $15,000

    • $15,000

    • $5,200

    • $1,500

    • $1,500

    • $1,500

    • $4,000

    • $2,000

    • $10,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
    • Basics

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • Events
    • $2,000

    • $5,000

    • Unlimited

    • $1,500

    • $10,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
    • Annual Multi-Trip (30 days)

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • Events
    • Unlimited

    • $15,000

    • Unlimited

    • Unlimited

    • $5,000

    • $6,000

    • $25,000

    • $25,000

    • $10,400

    • $5,000

    • $5,000

    • $5,000

    • $8,000

    • $5,000

    • $10,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
    • Annual Multi-Trip (45 days)

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • Events
    • Unlimited

    • $15,000

    • Unlimited

    • Unlimited

    • $5,000

    • $6,000

    • $25,000

    • $25,000

    • $10,400

    • $5,000

    • $5,000

    • $5,000

    • $8,000

    • $5,000

    • $10,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
    • Annual Multi-Trip (60 days)

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • Events
    • Unlimited

    • $15,000

    • Unlimited

    • Unlimited

    • $5,000

    • $6,000

    • $25,000

    • $25,000

    • $10,400

    • $5,000

    • $5,000

    • $5,000

    • $8,000

    • $5,000

    • $10,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
= Covered = Not covered

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).


What is included in an RACV international travel insurance policy?

RACV has three international travel insurance policies. These are the Basics, Essentials, and Comprehensive policies. Here’s a brief overview of what travel insurance cover you can expect from these options.

But remember: check Mozo’s data fields or the RACV product disclosure statement (PDS) for details on pay-out limits and general exclusions for specific parts of their travel insurance policy across the range. 

RACV’s Basics policy is their budget option, which may provide the bare essential benefits, such as:

If you opt for RACV’s Essentials travel insurance policy, then you could also be covered for:

On RACV’s Comprehensive policy, which may provide higher sub limits on claims, you can expect to also be covered for:

Does RACV travel insurance have COVID-19 cover?

RACV does provide some cover for COVID-19, however it only applies if you have paid the premium for Comprehensive coverage and meet the criteria for cover. If you have a Comprehensive RACV policy, they may provide unlimited overseas medical and hospital emergency expense cover, if you are diagnosed by a medical professional as having COVID-19. 

Alongside this, they offer COVID-19 related cover for cancellation fees and lost deposits, additional expenses, and travel delays, up to a combined limit of $3,500, at the time of writing. One important condition to note is that if there’s a Smartraveller warning for your destination which is at the level of ‘Do not travel’, then no COVID-19 cover will be provided.

What other optional extras can I add to my RACV policy?

Cruise cover

If you’re travelling on a cruise ship, then you’ll need to purchase RACV’s cruise travel insurance on top of your policy, even if your cruise stays within Australian waters. If you do not get this optional extra, then any claims related to any part of your journey on a cruise ship will not be covered. You can pay the premium for cruise cover on any of RACV’s policies, which will cover you for that policy’s included benefits while on the portion of your journey that takes place on a cruise ship. 

Ski and winter sports cover 

Snow travel insurance is important if you’re hitting the slopes, and without it you may not be covered for any claims relating to snow sports. Through RACV, the ski and winter sports cover is only available if you pay an extra premium on top of either a Comprehensive or Essentials policy, or if you have an annual multi-trip plan. 

RACV’s snow sports cover only applies if you’re skiing or snowboarding on-piste (meaning within the boundaries of the ski field), you are not competing in a race, or participating in a professional capacity. RACV’s ski and winter sports pack also includes cover while cross country skiing, ice skating, off-piste skiing with a professional guide, snowmobiling, and some others. Check the PDS to see if your preferred discipline is included under the terms of your policy. 

RACV’s snow sports cover offers the following benefits:

Are pre-existing medical conditions covered under RACV’s travel insurance?

RACV automatically includes cover for some pre-existing medical conditions, although you must declare your pre-existing conditions and have them listed on your certificate of insurance in order to be covered. So, make sure you disclose any conditions that you do have at the time of applying. 

While you may have to pay an extra premium for your condition, some conditions are covered under your policy’s premium already. 

Some examples of pre-existing medical conditions that are automatically covered include:

If your pre-existing medical condition is not eligible for automatic cover, you must apply to have a medical assessment. Contact RACV on 13 13 29, or complete your medical assessment online, as part of the travel insurance quote process, at http://www.racv.com.au. They will then be able to tell you if your condition can be covered. 

What exclusions are there to look out for in a RACV travel insurance policy?

If the country you are travelling to, or choose to remain in, has a ‘Do not travel’ warning issued by the Australian government’s Smartraveller website, then you will not be covered under RACV’s policies for an insured event that happened while this warning was in effect. 

A brief list of general exclusions also include claims relating to:

What do I do if there’s an emergency during my trip?

If there’s an emergency, contact RACV’s 24 hour emergency assistance and claims line on: 

How do I make a claim with RACV travel insurance?

To make a claim, head online to RACV’s website and either register or login to your account using the email address you used to purchase your policy. You will need to have supporting documents which are relevant to your claim, like receipts, police reports, or hospital invoices. RACV will aim to notify you of the success of your claim within 10 working days. 

Is it possible to cancel my RACV travel insurance policy?

You can cancel your policy and receive a full-refund within 21 days of purchasing it, provided you have not started your journey, have not made a claim, or intend to make a claim. If you want to cancel after the 21 day cooling-off period, then you may be able to receive a partial refund, at RACV’s discretion. 

To talk to RACV about cancelling your policy, call them on 13 13 29. 

How does the Mozo Community rate RACV travel insurance?

Scroll down to see how the Mozo community has rated RACV’s travel insurance policies in terms of factors like value for money and trust.

RACV travel insurance
8.3

Overall 8.3

8.0

Value for money

8.0

Policy coverage

8.5

Customer service

8.5

Claims handling

8.3

Trust

3 Reviews

Recent RACV travel insurance customer reviews Recent RACV travel insurance customer reviews

RACV logo

RACV Travel Insurance review

Overall rating   10 / 10

Reliable, efficient, excellent customer service

Amazing customer service when originally taking out the travel insurance and then when we needed to submit a claim. Extremely reliable and efficient

Full review

Amazing customer service when originally taking out the travel insurance and then when we needed to submit a claim. Extremely reliable and efficient

    Value for money   9 / 10

    Policy coverage   9 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Astrid, Western Australia, reviewed over 1 year ago

RACV logo

RACV Travel Insurance review

Overall rating   7 / 10

Highly recommended!

I find this one is the cheapest with the best service, very fast and reliable to process claims!

Full review

I find this one is the cheapest with the best service, very fast and reliable to process claims!

    Value for money   7 / 10

    Policy coverage   7 / 10

    Customer service   7 / 10

    Claims handling   7 / 10

    Trust   7 / 10

Less

Steven, Western Australia, reviewed almost 2 years ago

RACV logo

RACV Travel Insurance review

Overall rating   8 / 10

Great value for money - much better than others

Our experience is with RACV- great coverage, relatively easy to understand policy, long term, no age discrimination like AAMI.

Full review

Our experience is with RACV- great coverage, relatively easy to understand policy, long term, no age discrimination like AAMI.

    Value for money   8 / 10

    Trust   8 / 10

Less

Marlene, Victoria, reviewed almost 8 years ago

Hide reviews

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Compare RACV travel insurance policies with other travel insurance providers

With so many travel insurance options now available to Aussies, it's important that you research your options before you head off on your trip overseas. Get started by using Mozo's travel insurance comparison tool to find a policy that fits your needs. All you have to do is complete the form, which includes the dates of your travel, your destination and how many people you'll be travelling with, for a quick comparison of some top travel insurance policies for Aussies.

Don't forget to also check out Mozo's guide to travel insurance, or drop by our travel hub for the latest articles and tips to help you save lots on your holiday abroad.