RACV Finance Travel Insurance

About RACV travel insurance

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.

Cover information and limits in the table below verified as correct at 20 April 2024. Other information correct at the time of writing.

RACV travel insurance policies

RACV offers 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.

Does RACV travel insurance have COVID-19 coverage?

RACV does provide some coverage for COVID-19, however, inclusions will vary depending on your policy and level of cover. For the full story, check the terms and conditions included in the PDS.

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. 

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. 

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 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: 

• +61 2 8055 1699

How do I make a claim with RACV travel insurance?

To make a claim, head online to RACV’s website and either register or log in 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. 

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.