RACV Travel Insurance

RACV is a Victorian provider of travel insurance, car insurance, home & contents insurance, life insurance and business insurance.

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The table below displays a snapshot of RACV’s travel insurance policies on RACV LogoCanstar’s database, sorted by Star Rating (highest to lowest). Please note the products and Star Ratings displayed are based on a couple travelling to the USA aged under 70.

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What types of travel insurance does RACV offer?

RACV offers both domestic and international travel insurance. If you’re unsure as to which kind of travel insurance is most appropriate for you, or would like to better understand the differences between the different types of cover, check out our comprehensive guide on travel insurance.

What does RACV domestic travel insurance cover?

RACV’s domestic travel insurance policy will cover you for lost or stolen luggage, cancellation fees, lost deposits, rental vehicle excess, emergency accommodation and legal liability.

For more details about what is and isn’t covered, check out the Product Disclosure Statement on RACV’s website.

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What does RACV international travel insurance cover?

RACV’s International Total Travel Care policy will cover you for:

  • Medical cover: RACV offers unlimited medical, dental and hospital cover. You must provide a medical practitioner’s report confirming you’re unfit to travel.
  • Loss/theft of personal items: RACV also covers the loss or theft of personal items, including trip delays or damage. It will pay up to $15,000.
  • Travel delays/cancellation: RACV Comprehensive offers unlimited cancellation cover and lost deposits. It also offers up to $3,000 in additional travel and accommodation due to strikes, natural disasters, riots or other severe weather conditions that may delay your trip.
  • Rental car excess: If, as a result of an unexpected event, the rental vehicle you have hired is stolen or damaged during your journey, RACV Comprehensive will reimburse you for any non-refundable excess payable to the rental vehicle company of up to $8,000.
  • 24/7 assistance: RACV’s emergency worldwide assistance team is available 24 hours a day via phone.
  • Lost or stolen documents: RACV will cover the cost involved in replacing important documents that have been lost or stolen.

Please note that exclusions may apply. For example, your medical cover may not pay claims for medical or dental treatment received in Australia, while it will only cover losses related pregnancy up to and including the twentieth week. Another example of an exclusion is not being covered for any delays caused by a natural disaster occurring before the start date of your insurance.

For more details about what is and isn’t covered, check out the Product Disclosure Statement on RACV’s website.

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Yes, RACV’s international travel insurance policy has unlimited cover for overseas medical, dental and hospital expenses under the following circumstances:

  • You need medical assistance for an unexpected illness
  • You’re seriously injured in an accident
  • You need to be evacuated for an unexpected injury

As always, various conditions and exclusions will apply. It’s highly unlikely that you will be covered if the injury you suffer is classified as a ‘pre-existing condition’, for example.

For more information, read RACV’s Product Disclosure Statement.

Yes, RACV will cover you up to a certain amount for replacing or reimbursing luggage and personal effects that are lost, stolen or damaged while travelling.

Under RACV’s international policy, up to $15,000 worth of your belongings will be covered. RACV will also cover the cost of essential medication if lost or destroyed and has sub-limits for items such as laptops, tablets and cameras.

Again, there are exclusions that come with RACV’s travel insurance policies. For personal items and jewellery, you must specify them before applying, and all items must be approved by RACV; otherwise they will not be covered. Ensure you check the PDS to find out more about what items and luggage are and aren’t covered.

If you’re not sure what to do when your luggage goes missing, check out our guide on travel mishaps and how to avoid them.

Yes, RACV Premium travel insurance will provide unlimited cover on lost deposits and cancellation fees for pre-paid travel arrangements due to unforeseen circumstances outside the traveller’s control on a policy. Read the Product Disclosure Statement for more information.

You can purchase a RACV travel insurance policy by first comparing your options with Canstar and then generating a quote online.  The generator should ask questions such as travel dates, the age of the travellers and the destination, as well as optional extras including snow sport and sub-limits on valuables. It should take around 10 minutes.

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There are two main ways you can lodge a travel insurance claim with RACV, including:

  1. Calling its claims line on 1300 207 387 and talking to one of its qualified customer service representatives.
  2. Lodging a claim Just follow the prompts and enter the details of your claim.

Make sure you have the following documents (and details) ready:

  • Policy number
  • Personal details
  • Supporting documentation (flight details, itinerary, receipts, etc.)
  • Bank account details

Check out our guide on how to make claiming for travel insurance easier.

The Royal Automobile Club of Victoria (RACV) was formed as a motorists’ social club in 1903 and has been providing valuable services to millions of Victorians ever since.

RACV was the winners of the coveted Canstar Outstanding Value Travel Insurance for Seniors Award 2017 and is a trusted insurer for more than 2.1 million Australians. It offers specialised policies including cover for over-50s and cover for vintage and classic cars. RACV’s Kids Stuff page has colouring-in pages, printable puzzles and even printable board games.

RACV supports the community in a number of ways, including through the RACV Community Foundation, which gives grants of up to $20,000 to grassroots organisations to improve the lives of people in need in Victoria. The Foundation has provided over $3.7 million in grants to more than 300 charities from 1977 to 2017.

RACV also sustains a number of support partnerships, with its current partnerships being:

  • Phillip Island Nature Parks
  • Melbourne Vixens/Netball Victoria
  • Melbourne Recital Centre
  • Wildlife Victoria
  • FareShare
  • Landcare Australia

RACV is an environmentally-friendly company. It supports the CERES Energy Smart Choices program for schools and community centres, which educates children and adults about how to be energy efficient. CERES is one of Australia’s most visited community environment centres and has more than 350,000 visitors every year.

Additionally, RACV supported Phillip Island Nature Parks to build an eco-sensitive penguin-viewing facility.

Written by: Regina Collins | Last updated: