RACV Travel Insurance
The terms
- RACV Travel Insurance Combined Financial Services Guide and PDS (current)
- Target Market Determination: No TMD link in the home page HTML; RACV publishes it elsewhere on the site.
A travel premium is priced from the trip, so for a price ask RACV Travel Insurance — through racv.com.au/insurance/travel-insurance.html, by phone, or through whoever sells it.
Plans
Plans
Every limit for one plan: Comprehensive · Essentials · Basics · Annual Multi-Trip
2 of these benefit names read as fragments: this document wraps a benefit’s name across lines in a way the extraction does not separate. The limits are read from the right row; it is the names that are unreliable.
| Benefit | Comprehensive | Essentials | Basics | Annual Multi-Trip | Excess |
|---|---|---|---|---|---|
| Cancellation Fees and Lost Deposits 1A Unforeseen Circumstances | $Choice of Limit | $Choice of Limit | Not Covered | $Choice of Limit | |
| Death, Injury or Illness of Your Relative, Your Travelling Sub-Limits 1B | $1,000 | $1,000 | Not Covered | $1,000 | |
| Companion or Your Travelling Companion’s Relative 1C Military and Emergency Worker Leave | $1,000 | $500 | Not Covered | $1,000 | |
| Travel Agent Fees | $4,000 | $2,000 | Not Covered | $4,000 | |
| Overseas Medical, Hospital, Cash in Hospital, Dental and Related Expenses 2A Overseas Medical and Hospital Expenses | $unlimited* | $unlimited* | $unlimited* | $unlimited* | |
| Cash in Hospital 2C Overseas Dental | $unlimited* | $2,000 | $500 | $unlimited* | |
| Funeral Expenses Overseas | $20,000** | $15,000** | Not Covered | $20,000** | |
| Luggage and Personal Money Luggage | $15,000 | $7,500 | $2,000 | $15,000 | |
| on page 6 Sub-Limits 3B Travel Documents | $5,000 | $1,500 | Not Covered | $5,000 | |
| Luggage Delay | $750 | $500 | Not Covered | $750 | |
| Personal Money | $500 | $250 | Not Covered | $500 | |
| Emergency Expenses 4A Emergency Expenses | $unlimited* | $25,000 | $5,000 | $unlimited* | |
| Resumption of Travel | $5,000 | $1,500 | Not Covered | $5,000 | |
| Emergency Expenses for Death, Injury or Illness of 4C Your Relative, Your Travelling Companion or Your | $5,000 | $1,500 | Not Covered | $5,000 | |
| Travelling Companion’s Relative 4D Special Events | $5,000 | $2,000 | Not Covered | $5,000 | |
| 5 Accidental Death | $25,000** | $15,000** | Not Covered | $25,000** | |
| Accidental Disability | $25,000** | $15,000** | Not Covered | $25,000** | |
| Your Legal Liability | $10,000,000 | $10,000,000 | $10,000,000 | $10,000,000 | |
| Rental Car Excess | $8,000^ | $4,000^ | Not Covered | $8,000^ | |
| Loss of Income from Injury | $10,400 | $5,200 | Not Covered | $10,400 | |
| Financial Default | $10,000 | Not Covered+ | Not Covered | $10,000 | |
| Sub- Limit 10D Travel Agent Fees | $4,000 | $2,000 | Not Covered | $4,000 | |
| Domestic Pets | $650^~ | Not Covered | Not Covered | $650^~ | |
| Domestic Services | $1,500^~ | Not Covered | Not Covered | $1,500^~ | |
| Travel Delay | $3,000~ | $1,500~ | Not Covered | $3,000~ | |
| Hijack and Kidnap | $10,000**~ | $5,000**~ | Not Covered | $10,000**~ | |
| Ski and Winter Sports Overseas Medical and Hospital | $unlimited* | $unlimited* | Not Covered | $unlimited* | |
| Overseas Dental | $unlimited* | $2,000 | Not Covered | $unlimited* | |
| Snow Ski Equipment Hire | $2,000^ | $1,000^ | Not Covered | $2,000^ | |
| Ski Pack | $1,000^ | $500^ | Not Covered | $1,000^ | |
| Piste Closure | $1,000^~ | $500^~ | Not Covered | $1,000^~ | |
| Bad Weather and Avalanche | $1,000^ | $500^ | Not Covered | $1,000^ | |
| Lift Pass | $500 | $250 | Not Covered | $500 | |
| Cruise option 21A Cabin Confinement | $1,500~ | $1,500~ | $1,500~ | $1,500~ | |
| Missed Port | $150 | $150 | $150 | $150 | |
| Missed Shore Excursion | $1,500 | $1,500 | $1,500 | $1,500 | |
| Marine Rescue Diversion | $500~ | $500~ | $500~ | $500~ |
Getting a quote
- The age of every traveller to be covered, not just the eldest.
- Destination, and whether the trip includes a cruise or snow sports, which are often priced or excluded separately.
- Departure and return dates, and for an annual policy the longest single trip.
- The trip cost already paid and non-refundable, which is what a cancellation limit has to cover.
- Any pre-existing medical condition, which is assessed inside the quote and can change the price or the cover.
- Whether they already hold travel cover through a credit card or health fund.
Who stands behind it
Who carries the risk decides who pays a claim and nothing else: it does not set the price and it does not change what the plans above cover. It is here because a brand’s own site mostly does not say it, and because several of these brands turn out to share one insurer.
| Insurer | Tokio Marine & Nichido Fire Insurance Co., Ltd
ABN 80 000 438 291, AFSL 246548 |
| Register | on APRA’s register and authorised to write new business |
| Sold by | Tokio Marine & Nichido Fire Insurance Co., Ltd
authorised representative |
| Cooling off | 21 days |
This insurance is issued by Us, Tokio Marine & Nichido Fire Insurance Co., Ltd. (Tokio Marine & Nichido) ABN 80 000 438 291, AFSL 246548
Data
racv.json: this page as data.- Every brand and who underwrites it, and every insurer and plan.
Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. This dataset holds no travel insurance premiums, because no price list is published for them: it reports what travellers pay in premiums and what comes back as claims across the whole class of business, what each policy covers, and who is authorised to underwrite it. It cannot tell you what a trip would cost to insure, and a class-wide ratio says nothing about any one insurer or trip. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.