RACV Travel Insurance: Essentials
The terms
A travel premium is priced from the trip, so for a price ask RACV Travel Insurance — online or by phone.
Conditions
- Covers one overseas trip that starts and ends in Australia.
- The longest trip is the one shown on your certificate; if you change the trip length, cover is at most 12 months in total.
- An ocean cruise is covered only if the Cruise Benefits option is added, for an extra premium; river cruising is included automatically.
- You must be 110 or younger.
- Some listed medical conditions are covered automatically; others are covered only if the insurer approves them after an online medical assessment, which may cost extra.
single-trip overseas return-trips-only cruise-add-on age-to-110 pre-existing-some-included pre-existing-if-approved overseas-365-days
What this plan covers
| Benefit | This plan pays up to | Excess | |
|---|---|---|---|
| Cancellation Fees and Lost Deposits 1A Unforeseen Circumstances | $Choice of Limit | the document states this in words rather than an amount | |
| Death, Injury or Illness of Your Relative, Your Travelling Sub-Limits 1B | $1,000 | ||
| Companion or Your Travelling Companion’s Relative 1C Military and Emergency Worker Leave | $500 | ||
| Travel Agent Fees | $2,000 | ||
| Overseas Medical, Hospital, Cash in Hospital, Dental and Related Expenses 2A Overseas Medical and Hospital Expenses | $unlimited* | no dollar cap stated | |
| Cash in Hospital 2C Overseas Dental | $2,000 | ||
| Funeral Expenses Overseas | $15,000** | ||
| Luggage and Personal Money Luggage | $7,500 | ||
| on page 6 Sub-Limits 3B Travel Documents | $1,500 | ||
| Luggage Delay | $500 | ||
| Personal Money | $250 | ||
| Emergency Expenses 4A Emergency Expenses | $25,000 | ||
| Resumption of Travel | $1,500 | ||
| Emergency Expenses for Death, Injury or Illness of 4C Your Relative, Your Travelling Companion or Your | $1,500 | ||
| Travelling Companion’s Relative 4D Special Events | $2,000 | ||
| 5 Accidental Death | $15,000** | ||
| Accidental Disability | $15,000** | ||
| Your Legal Liability | $10,000,000 | ||
| Rental Car Excess | $4,000^ | ||
| Loss of Income from Injury | $5,200 | ||
| Financial Default | Not Covered+ | the document states this in words rather than an amount | |
| Sub- Limit 10D Travel Agent Fees | $2,000 | ||
| Travel Delay | $1,500~ | ||
| Hijack and Kidnap | $5,000**~ | ||
| Ski and Winter Sports Overseas Medical and Hospital | $unlimited* | no dollar cap stated | |
| Overseas Dental | $2,000 | ||
| Snow Ski Equipment Hire | $1,000^ | ||
| Ski Pack | $500^ | ||
| Piste Closure | $500^~ | ||
| Bad Weather and Avalanche | $500^ | ||
| Lift Pass | $250 | ||
| Cruise option 21A Cabin Confinement | $1,500~ | ||
| Missed Port | $150 | ||
| Missed Shore Excursion | $1,500 | ||
| Marine Rescue Diversion | $500~ |
What it does not cover
- Domestic Pets
- Domestic Services
Who stands behind it
| Brand | RACV Travel Insurance |
| Insurer | Tokio Marine & Nichido Fire Insurance Co., Ltd |
| Sold by | Tokio Marine & Nichido Fire Insurance Co., Ltd |
Data
racv.json: this brand as data, including this plan.- All RACV Travel Insurance plans · 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.