{ "generated_at": "2026-11-06T03:28:46Z", "brand_slug": "racv", "brand": "RACV Travel Insurance", "site": "https://www.racv.com.au/insurance/travel-insurance.html", "product": "Travel Insurance (combined FSG and PDS)", "page": "https://deepalmanac.com/au/insurance/travel/brands/racv/", "insurer": { "name": "Tokio Marine & Nichido Fire Insurance Co., Ltd", "legal_name": "Tokio Marine & Nichido Fire Insurance Co., Ltd", "abn": "80000438291", "afs_licence_number": "246548", "footing": "company", "register": { "outcome": "apra_authorised", "apra_status": "authorised", "matched_on": "afs_licence_number", "asic_licensee": "TOKIO MARINE & NICHIDO FIRE INSURANCE CO., LTD.", "note": null }, "quote": "This insurance is issued by Us, Tokio Marine & Nichido Fire Insurance Co., Ltd. (Tokio Marine & Nichido) ABN 80 000 438 291, AFSL 246548", "citation": { "quote": "This insurance is issued by Us, Tokio Marine & Nichido Fire Insurance Co., Ltd. (Tokio Marine & Nichido) ABN 80 000 438 291, AFSL 246548", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=3", "page": 3, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" } }, "sold_by": { "name": "Tokio Marine & Nichido Fire Insurance Co., Ltd", "basis": "authorised_representative" }, "documents": { "pds": { "kind": "pds", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf", "label": "RACV Travel Insurance Combined Financial Services Guide and PDS (current)", "status": "ok", "http_status": 200, "words": 26402, "content_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85", "bytes_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "retrieved_at": "2026-11-04T23:17:30Z" }, "tmd": { "kind": "tmd", "url": null, "label": null, "status": "no document URL in the registry", "note": "No TMD link in the home page HTML; RACV publishes it elsewhere on the site." } }, "application": { "cooling_off_days": 21, "cooling_off_quote": "You have 21 days from the day You purchase Your policy to decide if the cover is right for You and suits Your needs", "maximum_age": null, "maximum_age_check": "not_stated", "maximum_age_note": "No maximum age is stated in prose in this brand's PDS. Where a policy has one it is usually in an eligibility table, which is not read yet, so this is unknown rather than absent.", "who_it_is_designed_for": null, "always_ask_the_traveller": [ "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." ] }, "plans": [ { "brand_slug": "racv", "plan_slug": "comprehensive", "brand": "RACV Travel Insurance", "site": "https://www.racv.com.au/insurance/travel-insurance.html", "insurer": "Tokio Marine & Nichido Fire Insurance Co., Ltd", "insurer_footing": "company", "product": "All plans", "plan": "Comprehensive", "varies_by": "plan", "benefits_read": 37, "plan_names_read_from_document": true, "benefit_names_unreliable": true, "cooling_off_days": 21, "limits": { "overseas_medical": { "kind": "unlimited", "amount_aud": null, "stated": "$unlimited*", "citation": { "quote": "Section 2: Overseas Medical, Hospital, Cash in Hospital, Dental and Related Expenses", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$unlimited*", "$unlimited*", "$unlimited*", "$unlimited*" ] } }, "cancellation": { "kind": "unparsed", "amount_aud": null, "stated": "$Choice of Limit", "citation": { "quote": "Section 1: Cancellation Fees and Lost Deposits", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$Choice of Limit", "$Choice of Limit", "Not Covered", "$Choice of Limit" ] } }, "luggage_total": { "kind": "amount", "amount_aud": 15000, "stated": "$15,000", "citation": { "quote": "Luggage See specific Luggage item benefits table", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$15,000", "$7,500", "$2,000", "$15,000" ] } }, "rental_vehicle_excess": { "kind": "amount", "amount_aud": 8000, "stated": "$8,000^", "citation": { "quote": "Rental Car Excess", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$8,000^", "$4,000^", "Not Covered", "$8,000^" ] } }, "personal_liability": { "kind": "amount", "amount_aud": 10000000, "stated": "$10,000,000", "citation": { "quote": "Your Legal Liability", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$10,000,000", "$10,000,000", "$10,000,000", "$10,000,000" ] } }, "travel_delay": { "kind": "amount", "amount_aud": 3000, "stated": "$3,000~", "citation": { "quote": "13 Travel Delay", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$3,000~", "$1,500~", "Not Covered", "$3,000~" ] } }, "accidental_death": { "kind": "amount", "amount_aud": 25000, "stated": "$25,000**", "citation": { "quote": "Section 5–24 5 Accidental Death", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$25,000**", "$15,000**", "Not Covered", "$25,000**" ] } }, "cash": { "kind": "amount", "amount_aud": 500, "stated": "$500", "citation": { "quote": "3D Personal Money", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$500", "$250", "Not Covered", "$500" ] } } }, "implausible": null, "excess_applies": null, "document": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf", "labels": [ "single-trip", "overseas", "return-trips-only", "cruise-add-on", "age-to-110", "pre-existing-some-included", "pre-existing-if-approved", "overseas-365-days" ], "conditions": { "lines": [ "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." ], "written_on": "2026-10-15", "written_against_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85" }, "pre_existing_conditions": { "treatment": "some_named_automatically_others_if_approved", "in_words": "some named conditions automatically; others if approved", "labels": [ "pre-existing-some-included", "pre-existing-if-approved" ], "line": "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.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85", "automatically_covered": { "where": "listed in the document", "pds_url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf", "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.", "names": [ "Acne", "Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever", "Asthma", "Bell’s Palsy", "Benign Positional Vertigo", "Bunions", "Carpal Tunnel Syndrome", "Cataracts", "Coeliac Disease", "Congenital Blindness", "Congenital Deafness", "Diabetes Mellitus (Type 1)", "Diabetes Mellitus (Type 2)", "Dry Eye Syndrome", "Epilepsy", "Gastric Reflux", "Gastric/Peptic Ulcer", "Glaucoma", "Gout", "Graves’ Disease", "Hiatus Hernia", "Hip/Knee replacement", "Hypercholesterolaemia (High Cholesterol)", "Hyperlipidaemia (High Blood Lipids)", "Hypertension (High Blood Pressure)", "Hypothyroidism, including Hashimoto’s Disease", "Incontinence", "Insulin Resistance", "Macular Degeneration", "Meniere’s Disease", "Migraine", "Nocturnal Cramps", "Plantar Fasciitis", "Raynaud’s Disease", "Sleep Apnoea", "Solar Keratosis", "Trigeminal Neuralgia", "Trigger Finger" ], "read_by_hand": true, "written_on": "2026-11-06", "written_against_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85", "term_used": "medical condition", "section": { "quote": "Medical Conditions We automatically cover", "page": 11 }, "who": [], "lead": { "line": "The listed conditions are covered automatically if the traveller meets the criteria below at the time cover is bought.", "quote": "This section outlines those Medical Conditions automatically included, provided that You, at the Relevant Time:", "page": 11 }, "criteria_for_every_condition": [ { "line": "No hospital stay or treatment by a doctor for the condition in the last 24 months, unless the list gives another period; routine check-ups, blood tests and repeat prescriptions do not count as treatment.", "quote": "have not required hospitalisation or treatment (where treatment does not include an annual or routine medical check-up, blood testing or a visit to a medical practitioner to obtain a regular prescription) by any Treating Doctor within the last 24 months (unless a different time period is specifically noted in the list below) for the Medical Condition", "page": 11 }, { "line": "Not waiting on the outcome of any investigation, tests, surgery or other treatment for the condition.", "quote": "are not awaiting the outcome of any investigation, tests, surgery or other treatment for the Medical Condition", "page": 11 }, { "line": "The condition meets its own criteria in the list, where it has any.", "quote": "meet any additional criteria set out in the Medical Conditions We automatically cover listed below", "page": 11 } ], "count": 38, "conditions": [ { "name": "Acne", "criteria": [], "page": 11 }, { "name": "Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever", "criteria": [ "however this excludes any Anaphylaxis as part of any such condition" ], "page": 11 }, { "name": "Asthma", "criteria": [ "have no other lung disease", "are under 60 years of age at time You purchase the policy" ], "page": 11 }, { "name": "Bell’s Palsy", "criteria": [], "page": 11 }, { "name": "Benign Positional Vertigo", "criteria": [], "page": 11 }, { "name": "Bunions", "criteria": [], "page": 11 }, { "name": "Carpal Tunnel Syndrome", "criteria": [], "page": 11 }, { "name": "Cataracts", "criteria": [], "page": 11 }, { "name": "Coeliac Disease", "criteria": [], "page": 11 }, { "name": "Congenital Blindness", "criteria": [], "page": 11 }, { "name": "Congenital Deafness", "criteria": [], "page": 11 }, { "name": "Diabetes Mellitus (Type 1)", "criteria": [ "were diagnosed over 24 months ago", "have no eye, kidney, nerve or vascular complications", "do not also suffer from a known cardiovascular disease, Hypertension or Hypercholesterolaemia", "are under 50 years of age at the date of policy purchase" ], "page": 11 }, { "name": "Diabetes Mellitus (Type 2)", "criteria": [ "were diagnosed over 24 months ago", "have no eye, kidney, nerve or vascular complications", "do not also suffer from a known cardiovascular disease, Hypertension or Hypercholesterolaemia", "are under 50 years of age at the date of policy purchase" ], "page": 11 }, { "name": "Dry Eye Syndrome", "criteria": [], "page": 11 }, { "name": "Epilepsy", "criteria": [ "there has been no change to Your medication regime in the past 24 months", "You are on no more than one anticonvulsant medication" ], "page": 11 }, { "name": "Gastric Reflux", "criteria": [], "page": 11 }, { "name": "Gastric/Peptic Ulcer", "criteria": [], "page": 11 }, { "name": "Glaucoma", "criteria": [], "page": 11 }, { "name": "Gout", "criteria": [], "page": 11 }, { "name": "Graves’ Disease", "criteria": [], "page": 11 }, { "name": "Hiatus Hernia", "criteria": [], "page": 11 }, { "name": "Hip/Knee replacement", "criteria": [ "if performed more than 24 months ago but less than 10 years ago" ], "page": 11 }, { "name": "Hypercholesterolaemia (High Cholesterol)", "criteria": [ "provided that You do not also suffer from a known cardiovascular disease or Diabetes" ], "page": 11 }, { "name": "Hyperlipidaemia (High Blood Lipids)", "criteria": [ "provided that You do not also suffer from a known cardiovascular disease or Diabetes" ], "page": 12 }, { "name": "Hypertension (High Blood Pressure)", "criteria": [ "provided that You do not also suffer from a known cardiovascular disease or Diabetes" ], "page": 12 }, { "name": "Hypothyroidism, including Hashimoto’s Disease", "criteria": [], "page": 12 }, { "name": "Incontinence", "criteria": [], "page": 12 }, { "name": "Insulin Resistance", "criteria": [], "page": 12 }, { "name": "Macular Degeneration", "criteria": [], "page": 12 }, { "name": "Meniere’s Disease", "criteria": [], "page": 12 }, { "name": "Migraine", "criteria": [], "page": 12 }, { "name": "Nocturnal Cramps", "criteria": [], "page": 12 }, { "name": "Plantar Fasciitis", "criteria": [], "page": 12 }, { "name": "Raynaud’s Disease", "criteria": [], "page": 12 }, { "name": "Sleep Apnoea", "criteria": [], "page": 12 }, { "name": "Solar Keratosis", "criteria": [], "page": 12 }, { "name": "Trigeminal Neuralgia", "criteria": [], "page": 12 }, { "name": "Trigger Finger", "criteria": [], "page": 12 } ], "notes": [], "otherwise": [ { "line": "A condition not on the list can be applied for.", "quote": "If You require cover for Medical Conditions that are not automatically covered above, You may apply for additional cover for that condition.", "page": 12 }, { "line": "After the online medical assessment, if the condition is accepted an extra premium may be payable and the condition is listed on the certificate of insurance.", "quote": "We can cover the Medical Condition – in which case an additional Premium may be payable and the Medical Condition will be listed on Your COI", "page": 12 }, { "line": "Not declaring a condition that is not on the list risks a claim for it being reduced or denied.", "quote": "If You do not tell Us about any Medical Condition that is not automatically covered under this policy and that You want cover for, You run the risk of a claim relating to that Medical Condition being reduced or denied.", "page": 11 } ], "document_cited": { "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf" }, "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/policies.json brands[brand_slug=racv].automatically_covered_conditions" } }, "page": "https://deepalmanac.com/au/insurance/travel/brands/racv/comprehensive/" }, { "brand_slug": "racv", "plan_slug": "essentials", "brand": "RACV Travel Insurance", "site": "https://www.racv.com.au/insurance/travel-insurance.html", "insurer": "Tokio Marine & Nichido Fire Insurance Co., Ltd", "insurer_footing": "company", "product": "All plans", "plan": "Essentials", "varies_by": "plan", "benefits_read": 37, "plan_names_read_from_document": true, "benefit_names_unreliable": true, "cooling_off_days": 21, "limits": { "overseas_medical": { "kind": "unlimited", "amount_aud": null, "stated": "$unlimited*", "citation": { "quote": "Section 2: Overseas Medical, Hospital, Cash in Hospital, Dental and Related Expenses", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$unlimited*", "$unlimited*", "$unlimited*", "$unlimited*" ] } }, "cancellation": { "kind": "unparsed", "amount_aud": null, "stated": "$Choice of Limit", "citation": { "quote": "Section 1: Cancellation Fees and Lost Deposits", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$Choice of Limit", "$Choice of Limit", "Not Covered", "$Choice of Limit" ] } }, "luggage_total": { "kind": "amount", "amount_aud": 7500, "stated": "$7,500", "citation": { "quote": "Luggage See specific Luggage item benefits table", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$15,000", "$7,500", "$2,000", "$15,000" ] } }, "rental_vehicle_excess": { "kind": "amount", "amount_aud": 4000, "stated": "$4,000^", "citation": { "quote": "Rental Car Excess", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$8,000^", "$4,000^", "Not Covered", "$8,000^" ] } }, "personal_liability": { "kind": "amount", "amount_aud": 10000000, "stated": "$10,000,000", "citation": { "quote": "Your Legal Liability", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$10,000,000", "$10,000,000", "$10,000,000", "$10,000,000" ] } }, "travel_delay": { "kind": "amount", "amount_aud": 1500, "stated": "$1,500~", "citation": { "quote": "13 Travel Delay", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$3,000~", "$1,500~", "Not Covered", "$3,000~" ] } }, "accidental_death": { "kind": "amount", "amount_aud": 15000, "stated": "$15,000**", "citation": { "quote": "Section 5–24 5 Accidental Death", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$25,000**", "$15,000**", "Not Covered", "$25,000**" ] } }, "cash": { "kind": "amount", "amount_aud": 250, "stated": "$250", "citation": { "quote": "3D Personal Money", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$500", "$250", "Not Covered", "$500" ] } } }, "implausible": null, "excess_applies": null, "document": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf", "labels": [ "single-trip", "overseas", "return-trips-only", "cruise-add-on", "age-to-110", "pre-existing-some-included", "pre-existing-if-approved", "overseas-365-days" ], "conditions": { "lines": [ "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." ], "written_on": "2026-10-15", "written_against_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85" }, "pre_existing_conditions": { "treatment": "some_named_automatically_others_if_approved", "in_words": "some named conditions automatically; others if approved", "labels": [ "pre-existing-some-included", "pre-existing-if-approved" ], "line": "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.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85", "automatically_covered": { "where": "listed in the document", "pds_url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf", "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.", "names": [ "Acne", "Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever", "Asthma", "Bell’s Palsy", "Benign Positional Vertigo", "Bunions", "Carpal Tunnel Syndrome", "Cataracts", "Coeliac Disease", "Congenital Blindness", "Congenital Deafness", "Diabetes Mellitus (Type 1)", "Diabetes Mellitus (Type 2)", "Dry Eye Syndrome", "Epilepsy", "Gastric Reflux", "Gastric/Peptic Ulcer", "Glaucoma", "Gout", "Graves’ Disease", "Hiatus Hernia", "Hip/Knee replacement", "Hypercholesterolaemia (High Cholesterol)", "Hyperlipidaemia (High Blood Lipids)", "Hypertension (High Blood Pressure)", "Hypothyroidism, including Hashimoto’s Disease", "Incontinence", "Insulin Resistance", "Macular Degeneration", "Meniere’s Disease", "Migraine", "Nocturnal Cramps", "Plantar Fasciitis", "Raynaud’s Disease", "Sleep Apnoea", "Solar Keratosis", "Trigeminal Neuralgia", "Trigger Finger" ], "read_by_hand": true, "written_on": "2026-11-06", "written_against_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85", "term_used": "medical condition", "section": { "quote": "Medical Conditions We automatically cover", "page": 11 }, "who": [], "lead": { "line": "The listed conditions are covered automatically if the traveller meets the criteria below at the time cover is bought.", "quote": "This section outlines those Medical Conditions automatically included, provided that You, at the Relevant Time:", "page": 11 }, "criteria_for_every_condition": [ { "line": "No hospital stay or treatment by a doctor for the condition in the last 24 months, unless the list gives another period; routine check-ups, blood tests and repeat prescriptions do not count as treatment.", "quote": "have not required hospitalisation or treatment (where treatment does not include an annual or routine medical check-up, blood testing or a visit to a medical practitioner to obtain a regular prescription) by any Treating Doctor within the last 24 months (unless a different time period is specifically noted in the list below) for the Medical Condition", "page": 11 }, { "line": "Not waiting on the outcome of any investigation, tests, surgery or other treatment for the condition.", "quote": "are not awaiting the outcome of any investigation, tests, surgery or other treatment for the Medical Condition", "page": 11 }, { "line": "The condition meets its own criteria in the list, where it has any.", "quote": "meet any additional criteria set out in the Medical Conditions We automatically cover listed below", "page": 11 } ], "count": 38, "conditions": [ { "name": "Acne", "criteria": [], "page": 11 }, { "name": "Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever", "criteria": [ "however this excludes any Anaphylaxis as part of any such condition" ], "page": 11 }, { "name": "Asthma", "criteria": [ "have no other lung disease", "are under 60 years of age at time You purchase the policy" ], "page": 11 }, { "name": "Bell’s Palsy", "criteria": [], "page": 11 }, { "name": "Benign Positional Vertigo", "criteria": [], "page": 11 }, { "name": "Bunions", "criteria": [], "page": 11 }, { "name": "Carpal Tunnel Syndrome", "criteria": [], "page": 11 }, { "name": "Cataracts", "criteria": [], "page": 11 }, { "name": "Coeliac Disease", "criteria": [], "page": 11 }, { "name": "Congenital Blindness", "criteria": [], "page": 11 }, { "name": "Congenital Deafness", "criteria": [], "page": 11 }, { "name": "Diabetes Mellitus (Type 1)", "criteria": [ "were diagnosed over 24 months ago", "have no eye, kidney, nerve or vascular complications", "do not also suffer from a known cardiovascular disease, Hypertension or Hypercholesterolaemia", "are under 50 years of age at the date of policy purchase" ], "page": 11 }, { "name": "Diabetes Mellitus (Type 2)", "criteria": [ "were diagnosed over 24 months ago", "have no eye, kidney, nerve or vascular complications", "do not also suffer from a known cardiovascular disease, Hypertension or Hypercholesterolaemia", "are under 50 years of age at the date of policy purchase" ], "page": 11 }, { "name": "Dry Eye Syndrome", "criteria": [], "page": 11 }, { "name": "Epilepsy", "criteria": [ "there has been no change to Your medication regime in the past 24 months", "You are on no more than one anticonvulsant medication" ], "page": 11 }, { "name": "Gastric Reflux", "criteria": [], "page": 11 }, { "name": "Gastric/Peptic Ulcer", "criteria": [], "page": 11 }, { "name": "Glaucoma", "criteria": [], "page": 11 }, { "name": "Gout", "criteria": [], "page": 11 }, { "name": "Graves’ Disease", "criteria": [], "page": 11 }, { "name": "Hiatus Hernia", "criteria": [], "page": 11 }, { "name": "Hip/Knee replacement", "criteria": [ "if performed more than 24 months ago but less than 10 years ago" ], "page": 11 }, { "name": "Hypercholesterolaemia (High Cholesterol)", "criteria": [ "provided that You do not also suffer from a known cardiovascular disease or Diabetes" ], "page": 11 }, { "name": "Hyperlipidaemia (High Blood Lipids)", "criteria": [ "provided that You do not also suffer from a known cardiovascular disease or Diabetes" ], "page": 12 }, { "name": "Hypertension (High Blood Pressure)", "criteria": [ "provided that You do not also suffer from a known cardiovascular disease or Diabetes" ], "page": 12 }, { "name": "Hypothyroidism, including Hashimoto’s Disease", "criteria": [], "page": 12 }, { "name": "Incontinence", "criteria": [], "page": 12 }, { "name": "Insulin Resistance", "criteria": [], "page": 12 }, { "name": "Macular Degeneration", "criteria": [], "page": 12 }, { "name": "Meniere’s Disease", "criteria": [], "page": 12 }, { "name": "Migraine", "criteria": [], "page": 12 }, { "name": "Nocturnal Cramps", "criteria": [], "page": 12 }, { "name": "Plantar Fasciitis", "criteria": [], "page": 12 }, { "name": "Raynaud’s Disease", "criteria": [], "page": 12 }, { "name": "Sleep Apnoea", "criteria": [], "page": 12 }, { "name": "Solar Keratosis", "criteria": [], "page": 12 }, { "name": "Trigeminal Neuralgia", "criteria": [], "page": 12 }, { "name": "Trigger Finger", "criteria": [], "page": 12 } ], "notes": [], "otherwise": [ { "line": "A condition not on the list can be applied for.", "quote": "If You require cover for Medical Conditions that are not automatically covered above, You may apply for additional cover for that condition.", "page": 12 }, { "line": "After the online medical assessment, if the condition is accepted an extra premium may be payable and the condition is listed on the certificate of insurance.", "quote": "We can cover the Medical Condition – in which case an additional Premium may be payable and the Medical Condition will be listed on Your COI", "page": 12 }, { "line": "Not declaring a condition that is not on the list risks a claim for it being reduced or denied.", "quote": "If You do not tell Us about any Medical Condition that is not automatically covered under this policy and that You want cover for, You run the risk of a claim relating to that Medical Condition being reduced or denied.", "page": 11 } ], "document_cited": { "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf" }, "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/policies.json brands[brand_slug=racv].automatically_covered_conditions" } }, "page": "https://deepalmanac.com/au/insurance/travel/brands/racv/essentials/" }, { "brand_slug": "racv", "plan_slug": "basics", "brand": "RACV Travel Insurance", "site": "https://www.racv.com.au/insurance/travel-insurance.html", "insurer": "Tokio Marine & Nichido Fire Insurance Co., Ltd", "insurer_footing": "company", "product": "All plans", "plan": "Basics", "varies_by": "plan", "benefits_read": 37, "plan_names_read_from_document": true, "benefit_names_unreliable": true, "cooling_off_days": 21, "limits": { "overseas_medical": { "kind": "unlimited", "amount_aud": null, "stated": "$unlimited*", "citation": { "quote": "Section 2: Overseas Medical, Hospital, Cash in Hospital, Dental and Related Expenses", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$unlimited*", "$unlimited*", "$unlimited*", "$unlimited*" ] } }, "cancellation": { "kind": "no_cover", "amount_aud": 0, "stated": "Not Covered", "citation": { "quote": "Section 1: Cancellation Fees and Lost Deposits", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$Choice of Limit", "$Choice of Limit", "Not Covered", "$Choice of Limit" ] } }, "luggage_total": { "kind": "amount", "amount_aud": 2000, "stated": "$2,000", "citation": { "quote": "Luggage See specific Luggage item benefits table", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$15,000", "$7,500", "$2,000", "$15,000" ] } }, "rental_vehicle_excess": { "kind": "no_cover", "amount_aud": 0, "stated": "Not Covered", "citation": { "quote": "Rental Car Excess", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$8,000^", "$4,000^", "Not Covered", "$8,000^" ] } }, "personal_liability": { "kind": "amount", "amount_aud": 10000000, "stated": "$10,000,000", "citation": { "quote": "Your Legal Liability", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$10,000,000", "$10,000,000", "$10,000,000", "$10,000,000" ] } }, "travel_delay": { "kind": "no_cover", "amount_aud": 0, "stated": "Not Covered", "citation": { "quote": "13 Travel Delay", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$3,000~", "$1,500~", "Not Covered", "$3,000~" ] } }, "accidental_death": { "kind": "no_cover", "amount_aud": 0, "stated": "Not Covered", "citation": { "quote": "Section 5–24 5 Accidental Death", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$25,000**", "$15,000**", "Not Covered", "$25,000**" ] } }, "cash": { "kind": "no_cover", "amount_aud": 0, "stated": "Not Covered", "citation": { "quote": "3D Personal Money", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$500", "$250", "Not Covered", "$500" ] } } }, "implausible": null, "excess_applies": null, "document": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf", "labels": [ "single-trip", "overseas", "return-trips-only", "cruise-add-on", "age-to-110", "pre-existing-some-included", "pre-existing-if-approved", "overseas-365-days" ], "conditions": { "lines": [ "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." ], "written_on": "2026-10-15", "written_against_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85" }, "pre_existing_conditions": { "treatment": "some_named_automatically_others_if_approved", "in_words": "some named conditions automatically; others if approved", "labels": [ "pre-existing-some-included", "pre-existing-if-approved" ], "line": "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.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85", "automatically_covered": { "where": "listed in the document", "pds_url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf", "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.", "names": [ "Acne", "Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever", "Asthma", "Bell’s Palsy", "Benign Positional Vertigo", "Bunions", "Carpal Tunnel Syndrome", "Cataracts", "Coeliac Disease", "Congenital Blindness", "Congenital Deafness", "Diabetes Mellitus (Type 1)", "Diabetes Mellitus (Type 2)", "Dry Eye Syndrome", "Epilepsy", "Gastric Reflux", "Gastric/Peptic Ulcer", "Glaucoma", "Gout", "Graves’ Disease", "Hiatus Hernia", "Hip/Knee replacement", "Hypercholesterolaemia (High Cholesterol)", "Hyperlipidaemia (High Blood Lipids)", "Hypertension (High Blood Pressure)", "Hypothyroidism, including Hashimoto’s Disease", "Incontinence", "Insulin Resistance", "Macular Degeneration", "Meniere’s Disease", "Migraine", "Nocturnal Cramps", "Plantar Fasciitis", "Raynaud’s Disease", "Sleep Apnoea", "Solar Keratosis", "Trigeminal Neuralgia", "Trigger Finger" ], "read_by_hand": true, "written_on": "2026-11-06", "written_against_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85", "term_used": "medical condition", "section": { "quote": "Medical Conditions We automatically cover", "page": 11 }, "who": [], "lead": { "line": "The listed conditions are covered automatically if the traveller meets the criteria below at the time cover is bought.", "quote": "This section outlines those Medical Conditions automatically included, provided that You, at the Relevant Time:", "page": 11 }, "criteria_for_every_condition": [ { "line": "No hospital stay or treatment by a doctor for the condition in the last 24 months, unless the list gives another period; routine check-ups, blood tests and repeat prescriptions do not count as treatment.", "quote": "have not required hospitalisation or treatment (where treatment does not include an annual or routine medical check-up, blood testing or a visit to a medical practitioner to obtain a regular prescription) by any Treating Doctor within the last 24 months (unless a different time period is specifically noted in the list below) for the Medical Condition", "page": 11 }, { "line": "Not waiting on the outcome of any investigation, tests, surgery or other treatment for the condition.", "quote": "are not awaiting the outcome of any investigation, tests, surgery or other treatment for the Medical Condition", "page": 11 }, { "line": "The condition meets its own criteria in the list, where it has any.", "quote": "meet any additional criteria set out in the Medical Conditions We automatically cover listed below", "page": 11 } ], "count": 38, "conditions": [ { "name": "Acne", "criteria": [], "page": 11 }, { "name": "Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever", "criteria": [ "however this excludes any Anaphylaxis as part of any such condition" ], "page": 11 }, { "name": "Asthma", "criteria": [ "have no other lung disease", "are under 60 years of age at time You purchase the policy" ], "page": 11 }, { "name": "Bell’s Palsy", "criteria": [], "page": 11 }, { "name": "Benign Positional Vertigo", "criteria": [], "page": 11 }, { "name": "Bunions", "criteria": [], "page": 11 }, { "name": "Carpal Tunnel Syndrome", "criteria": [], "page": 11 }, { "name": "Cataracts", "criteria": [], "page": 11 }, { "name": "Coeliac Disease", "criteria": [], "page": 11 }, { "name": "Congenital Blindness", "criteria": [], "page": 11 }, { "name": "Congenital Deafness", "criteria": [], "page": 11 }, { "name": "Diabetes Mellitus (Type 1)", "criteria": [ "were diagnosed over 24 months ago", "have no eye, kidney, nerve or vascular complications", "do not also suffer from a known cardiovascular disease, Hypertension or Hypercholesterolaemia", "are under 50 years of age at the date of policy purchase" ], "page": 11 }, { "name": "Diabetes Mellitus (Type 2)", "criteria": [ "were diagnosed over 24 months ago", "have no eye, kidney, nerve or vascular complications", "do not also suffer from a known cardiovascular disease, Hypertension or Hypercholesterolaemia", "are under 50 years of age at the date of policy purchase" ], "page": 11 }, { "name": "Dry Eye Syndrome", "criteria": [], "page": 11 }, { "name": "Epilepsy", "criteria": [ "there has been no change to Your medication regime in the past 24 months", "You are on no more than one anticonvulsant medication" ], "page": 11 }, { "name": "Gastric Reflux", "criteria": [], "page": 11 }, { "name": "Gastric/Peptic Ulcer", "criteria": [], "page": 11 }, { "name": "Glaucoma", "criteria": [], "page": 11 }, { "name": "Gout", "criteria": [], "page": 11 }, { "name": "Graves’ Disease", "criteria": [], "page": 11 }, { "name": "Hiatus Hernia", "criteria": [], "page": 11 }, { "name": "Hip/Knee replacement", "criteria": [ "if performed more than 24 months ago but less than 10 years ago" ], "page": 11 }, { "name": "Hypercholesterolaemia (High Cholesterol)", "criteria": [ "provided that You do not also suffer from a known cardiovascular disease or Diabetes" ], "page": 11 }, { "name": "Hyperlipidaemia (High Blood Lipids)", "criteria": [ "provided that You do not also suffer from a known cardiovascular disease or Diabetes" ], "page": 12 }, { "name": "Hypertension (High Blood Pressure)", "criteria": [ "provided that You do not also suffer from a known cardiovascular disease or Diabetes" ], "page": 12 }, { "name": "Hypothyroidism, including Hashimoto’s Disease", "criteria": [], "page": 12 }, { "name": "Incontinence", "criteria": [], "page": 12 }, { "name": "Insulin Resistance", "criteria": [], "page": 12 }, { "name": "Macular Degeneration", "criteria": [], "page": 12 }, { "name": "Meniere’s Disease", "criteria": [], "page": 12 }, { "name": "Migraine", "criteria": [], "page": 12 }, { "name": "Nocturnal Cramps", "criteria": [], "page": 12 }, { "name": "Plantar Fasciitis", "criteria": [], "page": 12 }, { "name": "Raynaud’s Disease", "criteria": [], "page": 12 }, { "name": "Sleep Apnoea", "criteria": [], "page": 12 }, { "name": "Solar Keratosis", "criteria": [], "page": 12 }, { "name": "Trigeminal Neuralgia", "criteria": [], "page": 12 }, { "name": "Trigger Finger", "criteria": [], "page": 12 } ], "notes": [], "otherwise": [ { "line": "A condition not on the list can be applied for.", "quote": "If You require cover for Medical Conditions that are not automatically covered above, You may apply for additional cover for that condition.", "page": 12 }, { "line": "After the online medical assessment, if the condition is accepted an extra premium may be payable and the condition is listed on the certificate of insurance.", "quote": "We can cover the Medical Condition – in which case an additional Premium may be payable and the Medical Condition will be listed on Your COI", "page": 12 }, { "line": "Not declaring a condition that is not on the list risks a claim for it being reduced or denied.", "quote": "If You do not tell Us about any Medical Condition that is not automatically covered under this policy and that You want cover for, You run the risk of a claim relating to that Medical Condition being reduced or denied.", "page": 11 } ], "document_cited": { "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf" }, "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/policies.json brands[brand_slug=racv].automatically_covered_conditions" } }, "page": "https://deepalmanac.com/au/insurance/travel/brands/racv/basics/" }, { "brand_slug": "racv", "plan_slug": "annual-multi-trip", "brand": "RACV Travel Insurance", "site": "https://www.racv.com.au/insurance/travel-insurance.html", "insurer": "Tokio Marine & Nichido Fire Insurance Co., Ltd", "insurer_footing": "company", "product": "All plans", "plan": "Annual Multi-Trip", "varies_by": "plan", "benefits_read": 37, "plan_names_read_from_document": true, "benefit_names_unreliable": true, "cooling_off_days": 21, "limits": { "overseas_medical": { "kind": "unlimited", "amount_aud": null, "stated": "$unlimited*", "citation": { "quote": "Section 2: Overseas Medical, Hospital, Cash in Hospital, Dental and Related Expenses", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$unlimited*", "$unlimited*", "$unlimited*", "$unlimited*" ] } }, "cancellation": { "kind": "unparsed", "amount_aud": null, "stated": "$Choice of Limit", "citation": { "quote": "Section 1: Cancellation Fees and Lost Deposits", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$Choice of Limit", "$Choice of Limit", "Not Covered", "$Choice of Limit" ] } }, "luggage_total": { "kind": "amount", "amount_aud": 15000, "stated": "$15,000", "citation": { "quote": "Luggage See specific Luggage item benefits table", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$15,000", "$7,500", "$2,000", "$15,000" ] } }, "rental_vehicle_excess": { "kind": "amount", "amount_aud": 8000, "stated": "$8,000^", "citation": { "quote": "Rental Car Excess", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$8,000^", "$4,000^", "Not Covered", "$8,000^" ] } }, "personal_liability": { "kind": "amount", "amount_aud": 10000000, "stated": "$10,000,000", "citation": { "quote": "Your Legal Liability", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$10,000,000", "$10,000,000", "$10,000,000", "$10,000,000" ] } }, "travel_delay": { "kind": "amount", "amount_aud": 3000, "stated": "$3,000~", "citation": { "quote": "13 Travel Delay", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$3,000~", "$1,500~", "Not Covered", "$3,000~" ] } }, "accidental_death": { "kind": "amount", "amount_aud": 25000, "stated": "$25,000**", "citation": { "quote": "Section 5–24 5 Accidental Death", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$25,000**", "$15,000**", "Not Covered", "$25,000**" ] } }, "cash": { "kind": "amount", "amount_aud": 500, "stated": "$500", "citation": { "quote": "3D Personal Money", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$500", "$250", "Not Covered", "$500" ] } } }, "implausible": null, "excess_applies": null, "document": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf", "labels": [ "annual-multi-trip", "overseas", "domestic", "return-trips-only", "cruise-add-on", "age-to-75", "overseas-60-days", "domestic-60-days", "pre-existing-some-included", "pre-existing-if-approved" ], "conditions": { "lines": [ "Covers every trip in a year, overseas or within Australia when the trip is more than 250km from home.", "Each trip can be up to 30, 45 or 60 days, depending on the option you choose.", "An overseas trip must start and end in Australia, and there is no medical, hospital, dental or evacuation cover for the part of a trip in Australia.", "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 75 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." ], "written_on": "2026-10-15", "written_against_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85" }, "pre_existing_conditions": { "treatment": "some_named_automatically_others_if_approved", "in_words": "some named conditions automatically; others if approved", "labels": [ "pre-existing-some-included", "pre-existing-if-approved" ], "line": "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.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85", "automatically_covered": { "where": "listed in the document", "pds_url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf", "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.", "names": [ "Acne", "Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever", "Asthma", "Bell’s Palsy", "Benign Positional Vertigo", "Bunions", "Carpal Tunnel Syndrome", "Cataracts", "Coeliac Disease", "Congenital Blindness", "Congenital Deafness", "Diabetes Mellitus (Type 1)", "Diabetes Mellitus (Type 2)", "Dry Eye Syndrome", "Epilepsy", "Gastric Reflux", "Gastric/Peptic Ulcer", "Glaucoma", "Gout", "Graves’ Disease", "Hiatus Hernia", "Hip/Knee replacement", "Hypercholesterolaemia (High Cholesterol)", "Hyperlipidaemia (High Blood Lipids)", "Hypertension (High Blood Pressure)", "Hypothyroidism, including Hashimoto’s Disease", "Incontinence", "Insulin Resistance", "Macular Degeneration", "Meniere’s Disease", "Migraine", "Nocturnal Cramps", "Plantar Fasciitis", "Raynaud’s Disease", "Sleep Apnoea", "Solar Keratosis", "Trigeminal Neuralgia", "Trigger Finger" ], "read_by_hand": true, "written_on": "2026-11-06", "written_against_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85", "term_used": "medical condition", "section": { "quote": "Medical Conditions We automatically cover", "page": 11 }, "who": [], "lead": { "line": "The listed conditions are covered automatically if the traveller meets the criteria below at the time cover is bought.", "quote": "This section outlines those Medical Conditions automatically included, provided that You, at the Relevant Time:", "page": 11 }, "criteria_for_every_condition": [ { "line": "No hospital stay or treatment by a doctor for the condition in the last 24 months, unless the list gives another period; routine check-ups, blood tests and repeat prescriptions do not count as treatment.", "quote": "have not required hospitalisation or treatment (where treatment does not include an annual or routine medical check-up, blood testing or a visit to a medical practitioner to obtain a regular prescription) by any Treating Doctor within the last 24 months (unless a different time period is specifically noted in the list below) for the Medical Condition", "page": 11 }, { "line": "Not waiting on the outcome of any investigation, tests, surgery or other treatment for the condition.", "quote": "are not awaiting the outcome of any investigation, tests, surgery or other treatment for the Medical Condition", "page": 11 }, { "line": "The condition meets its own criteria in the list, where it has any.", "quote": "meet any additional criteria set out in the Medical Conditions We automatically cover listed below", "page": 11 } ], "count": 38, "conditions": [ { "name": "Acne", "criteria": [], "page": 11 }, { "name": "Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever", "criteria": [ "however this excludes any Anaphylaxis as part of any such condition" ], "page": 11 }, { "name": "Asthma", "criteria": [ "have no other lung disease", "are under 60 years of age at time You purchase the policy" ], "page": 11 }, { "name": "Bell’s Palsy", "criteria": [], "page": 11 }, { "name": "Benign Positional Vertigo", "criteria": [], "page": 11 }, { "name": "Bunions", "criteria": [], "page": 11 }, { "name": "Carpal Tunnel Syndrome", "criteria": [], "page": 11 }, { "name": "Cataracts", "criteria": [], "page": 11 }, { "name": "Coeliac Disease", "criteria": [], "page": 11 }, { "name": "Congenital Blindness", "criteria": [], "page": 11 }, { "name": "Congenital Deafness", "criteria": [], "page": 11 }, { "name": "Diabetes Mellitus (Type 1)", "criteria": [ "were diagnosed over 24 months ago", "have no eye, kidney, nerve or vascular complications", "do not also suffer from a known cardiovascular disease, Hypertension or Hypercholesterolaemia", "are under 50 years of age at the date of policy purchase" ], "page": 11 }, { "name": "Diabetes Mellitus (Type 2)", "criteria": [ "were diagnosed over 24 months ago", "have no eye, kidney, nerve or vascular complications", "do not also suffer from a known cardiovascular disease, Hypertension or Hypercholesterolaemia", "are under 50 years of age at the date of policy purchase" ], "page": 11 }, { "name": "Dry Eye Syndrome", "criteria": [], "page": 11 }, { "name": "Epilepsy", "criteria": [ "there has been no change to Your medication regime in the past 24 months", "You are on no more than one anticonvulsant medication" ], "page": 11 }, { "name": "Gastric Reflux", "criteria": [], "page": 11 }, { "name": "Gastric/Peptic Ulcer", "criteria": [], "page": 11 }, { "name": "Glaucoma", "criteria": [], "page": 11 }, { "name": "Gout", "criteria": [], "page": 11 }, { "name": "Graves’ Disease", "criteria": [], "page": 11 }, { "name": "Hiatus Hernia", "criteria": [], "page": 11 }, { "name": "Hip/Knee replacement", "criteria": [ "if performed more than 24 months ago but less than 10 years ago" ], "page": 11 }, { "name": "Hypercholesterolaemia (High Cholesterol)", "criteria": [ "provided that You do not also suffer from a known cardiovascular disease or Diabetes" ], "page": 11 }, { "name": "Hyperlipidaemia (High Blood Lipids)", "criteria": [ "provided that You do not also suffer from a known cardiovascular disease or Diabetes" ], "page": 12 }, { "name": "Hypertension (High Blood Pressure)", "criteria": [ "provided that You do not also suffer from a known cardiovascular disease or Diabetes" ], "page": 12 }, { "name": "Hypothyroidism, including Hashimoto’s Disease", "criteria": [], "page": 12 }, { "name": "Incontinence", "criteria": [], "page": 12 }, { "name": "Insulin Resistance", "criteria": [], "page": 12 }, { "name": "Macular Degeneration", "criteria": [], "page": 12 }, { "name": "Meniere’s Disease", "criteria": [], "page": 12 }, { "name": "Migraine", "criteria": [], "page": 12 }, { "name": "Nocturnal Cramps", "criteria": [], "page": 12 }, { "name": "Plantar Fasciitis", "criteria": [], "page": 12 }, { "name": "Raynaud’s Disease", "criteria": [], "page": 12 }, { "name": "Sleep Apnoea", "criteria": [], "page": 12 }, { "name": "Solar Keratosis", "criteria": [], "page": 12 }, { "name": "Trigeminal Neuralgia", "criteria": [], "page": 12 }, { "name": "Trigger Finger", "criteria": [], "page": 12 } ], "notes": [], "otherwise": [ { "line": "A condition not on the list can be applied for.", "quote": "If You require cover for Medical Conditions that are not automatically covered above, You may apply for additional cover for that condition.", "page": 12 }, { "line": "After the online medical assessment, if the condition is accepted an extra premium may be payable and the condition is listed on the certificate of insurance.", "quote": "We can cover the Medical Condition – in which case an additional Premium may be payable and the Medical Condition will be listed on Your COI", "page": 12 }, { "line": "Not declaring a condition that is not on the list risks a claim for it being reduced or denied.", "quote": "If You do not tell Us about any Medical Condition that is not automatically covered under this policy and that You want cover for, You run the risk of a claim relating to that Medical Condition being reduced or denied.", "page": 11 } ], "document_cited": { "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf" }, "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/policies.json brands[brand_slug=racv].automatically_covered_conditions" } }, "page": "https://deepalmanac.com/au/insurance/travel/brands/racv/annual-multi-trip/" } ], "benefit_tables": [ { "group": "All plans", "label_quality": { "benefits": 37, "names_that_look_fragmentary": 2, "note": "A benefit's name can wrap across lines in these documents. Where the wrap is not separated cleanly a name arrives as a fragment of its own row joined to part of the next. The limits are still read from the right row; it is the name that is unreliable, so a high count here means this brand's benefit names should not be compared across brands yet." }, "plans_without_a_readable_name": null, "plan_name_mismatch": null, "plan_axis": "plan", "plans": [ { "plan": "Comprehensive", "trip_type": null }, { "plan": "Essentials", "trip_type": null }, { "plan": "Basics", "trip_type": null }, { "plan": "Annual Multi-Trip", "trip_type": null } ], "plan_names": [ "Comprehensive", "Essentials", "Basics", "Annual Multi-Trip" ], "coverage": { "benefits": 37, "cells": 148, "cells_possible": 148 }, "benefits": [ { "benefit": "cancellation", "benefit_as_printed": "Cancellation Fees and Lost Deposits 1A Unforeseen Circumstances", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$Choice of Limit", "kind": "unparsed", "amount_aud": null }, "Essentials": { "stated": "$Choice of Limit", "kind": "unparsed", "amount_aud": null }, "Basics": { "stated": "Not Covered", "kind": "no_cover", "amount_aud": 0 }, "Annual Multi-Trip": { "stated": "$Choice of Limit", "kind": "unparsed", "amount_aud": null } }, "evidence": { "row": "1A Unforeseen Circumstances $Choice of Limit $Choice of Limit Not Covered $Choice of Limit" }, "citation": { "quote": "Section 1: Cancellation Fees and Lost Deposits", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$Choice of Limit", "$Choice of Limit", "Not Covered", "$Choice of Limit" ] } }, { "benefit": "Death, Injury or Illness of Your Relative, Your Travelling Sub-Limits 1B", "benefit_as_printed": "Death, Injury or Illness of Your Relative, Your Travelling Sub-Limits 1B", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$1,000", "kind": "amount", "amount_aud": 1000 }, "Essentials": { "stated": "$1,000", "kind": "amount", "amount_aud": 1000 }, "Basics": { "stated": "Not Covered", "kind": "no_cover", "amount_aud": 0 }, "Annual Multi-Trip": { "stated": "$1,000", "kind": "amount", "amount_aud": 1000 } }, "evidence": { "row": "1B $1,000 $1,000 Not Covered $1,000" }, "citation": { "quote": "Death, Injury or Illness of Your Relative, Your Travelling", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$1,000", "$1,000", "Not Covered", "$1,000" ] } }, { "benefit": "Companion or Your Travelling Companion’s Relative 1C Military and Emergency Worker Leave", "benefit_as_printed": "Companion or Your Travelling Companion’s Relative 1C Military and Emergency Worker Leave", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$1,000", "kind": "amount", "amount_aud": 1000 }, "Essentials": { "stated": "$500", "kind": "amount", "amount_aud": 500 }, "Basics": { "stated": "Not Covered", "kind": "no_cover", "amount_aud": 0 }, "Annual Multi-Trip": { "stated": "$1,000", "kind": "amount", "amount_aud": 1000 } }, "evidence": { "row": "1C Military and Emergency Worker Leave $1,000 $500 Not Covered $1,000" }, "citation": { "quote": "Companion or Your Travelling Companion’s Relative 1C Military and Emergency Worker Leave", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$1,000", "$500", "Not Covered", "$1,000" ] } }, { "benefit": "Travel Agent Fees", "benefit_as_printed": "Travel Agent Fees", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$4,000", "kind": "amount", "amount_aud": 4000 }, "Essentials": { "stated": "$2,000", "kind": "amount", "amount_aud": 2000 }, "Basics": { "stated": "Not Covered", "kind": "no_cover", "amount_aud": 0 }, "Annual Multi-Trip": { "stated": "$4,000", "kind": "amount", "amount_aud": 4000 } }, "evidence": { "row": "1E Travel Agent Fees $4,000 $2,000 Not Covered $4,000" }, "citation": { "quote": "1E Travel Agent Fees", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$4,000", "$2,000", "Not Covered", "$4,000" ] } }, { "benefit": "overseas_medical", "benefit_as_printed": "Overseas Medical, Hospital, Cash in Hospital, Dental and Related Expenses 2A Overseas Medical and Hospital Expenses", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$unlimited*", "kind": "unlimited", "amount_aud": null }, "Essentials": { "stated": "$unlimited*", "kind": "unlimited", "amount_aud": null }, "Basics": { "stated": "$unlimited*", "kind": "unlimited", "amount_aud": null }, "Annual Multi-Trip": { "stated": "$unlimited*", "kind": "unlimited", "amount_aud": null } }, "evidence": { "row": "2A Overseas Medical and Hospital Expenses $unlimited* $unlimited* $unlimited* $unlimited*" }, "citation": { "quote": "Section 2: Overseas Medical, Hospital, Cash in Hospital, Dental and Related Expenses", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$unlimited*", "$unlimited*", "$unlimited*", "$unlimited*" ] } }, { "benefit": "Cash in Hospital 2C Overseas Dental", "benefit_as_printed": "Cash in Hospital 2C Overseas Dental", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$unlimited*", "kind": "unlimited", "amount_aud": null }, "Essentials": { "stated": "$2,000", "kind": "amount", "amount_aud": 2000 }, "Basics": { "stated": "$500", "kind": "amount", "amount_aud": 500 }, "Annual Multi-Trip": { "stated": "$unlimited*", "kind": "unlimited", "amount_aud": null } }, "evidence": { "row": "2C Overseas Dental $unlimited* $2,000 $500 $unlimited*" }, "citation": { "quote": "2B Cash in Hospital", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$unlimited*", "$2,000", "$500", "$unlimited*" ] } }, { "benefit": "Funeral Expenses Overseas", "benefit_as_printed": "Funeral Expenses Overseas", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$20,000**", "kind": "amount", "amount_aud": 20000 }, "Essentials": { "stated": "$15,000**", "kind": "amount", "amount_aud": 15000 }, "Basics": { "stated": "Not Covered", "kind": "no_cover", "amount_aud": 0 }, "Annual Multi-Trip": { "stated": "$20,000**", "kind": "amount", "amount_aud": 20000 } }, "evidence": { "row": "2D Funeral Expenses Overseas $20,000** $15,000** $10,000** $20,000**" }, "citations": [ { "quote": "2D Funeral Expenses Overseas", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$20,000**", "$15,000**", "$10,000**", "$20,000**" ] }, { "quote": "15D Funeral Expenses Overseas", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$20,000**", "$15,000**", "Not Covered", "$20,000**" ] } ] }, { "benefit": "luggage_total", "benefit_as_printed": "Luggage and Personal Money Luggage", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$15,000", "kind": "amount", "amount_aud": 15000 }, "Essentials": { "stated": "$7,500", "kind": "amount", "amount_aud": 7500 }, "Basics": { "stated": "$2,000", "kind": "amount", "amount_aud": 2000 }, "Annual Multi-Trip": { "stated": "$15,000", "kind": "amount", "amount_aud": 15000 } }, "evidence": { "row": "3A $15,000 $7,500 $2,000 $15,000" }, "citation": { "quote": "Luggage See specific Luggage item benefits table", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$15,000", "$7,500", "$2,000", "$15,000" ] } }, { "benefit": "on page 6 Sub-Limits 3B Travel Documents", "benefit_as_printed": "on page 6 Sub-Limits 3B Travel Documents", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$5,000", "kind": "amount", "amount_aud": 5000 }, "Essentials": { "stated": "$1,500", "kind": "amount", "amount_aud": 1500 }, "Basics": { "stated": "Not Covered", "kind": "no_cover", "amount_aud": 0 }, "Annual Multi-Trip": { "stated": "$5,000", "kind": "amount", "amount_aud": 5000 } }, "evidence": { "row": "3B Travel Documents $5,000 $1,500 Not Covered $5,000" }, "citation": { "quote": "3B Travel Documents", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$5,000", "$1,500", "Not Covered", "$5,000" ] } }, { "benefit": "luggage_delayed", "benefit_as_printed": "Luggage Delay", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$750", "kind": "amount", "amount_aud": 750 }, "Essentials": { "stated": "$500", "kind": "amount", "amount_aud": 500 }, "Basics": { "stated": "Not Covered", "kind": "no_cover", "amount_aud": 0 }, "Annual Multi-Trip": { "stated": "$750", "kind": "amount", "amount_aud": 750 } }, "evidence": { "row": "3C Luggage Delay $750 $500 Not Covered $750" }, "citation": { "quote": "3C Luggage Delay", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$750", "$500", "Not Covered", "$750" ] } }, { "benefit": "cash", "benefit_as_printed": "Personal Money", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$500", "kind": "amount", "amount_aud": 500 }, "Essentials": { "stated": "$250", "kind": "amount", "amount_aud": 250 }, "Basics": { "stated": "Not Covered", "kind": "no_cover", "amount_aud": 0 }, "Annual Multi-Trip": { "stated": "$500", "kind": "amount", "amount_aud": 500 } }, "evidence": { "row": "3D Personal Money $500 $250 Not Covered $500" }, "citation": { "quote": "3D Personal Money", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$500", "$250", "Not Covered", "$500" ] } }, { "benefit": "Emergency Expenses 4A Emergency Expenses", "benefit_as_printed": "Emergency Expenses 4A Emergency Expenses", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$unlimited*", "kind": "unlimited", "amount_aud": null }, "Essentials": { "stated": "$25,000", "kind": "amount", "amount_aud": 25000 }, "Basics": { "stated": "$5,000", "kind": "amount", "amount_aud": 5000 }, "Annual Multi-Trip": { "stated": "$unlimited*", "kind": "unlimited", "amount_aud": null } }, "evidence": { "row": "4A Emergency Expenses $unlimited* $25,000 $5,000 $unlimited*" }, "citation": { "quote": "Section 4: Emergency Expenses", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$unlimited*", "$25,000", "$5,000", "$unlimited*" ] } }, { "benefit": "Resumption of Travel", "benefit_as_printed": "Resumption of Travel", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$5,000", "kind": "amount", "amount_aud": 5000 }, "Essentials": { "stated": "$1,500", "kind": "amount", "amount_aud": 1500 }, "Basics": { "stated": "Not Covered", "kind": "no_cover", "amount_aud": 0 }, "Annual Multi-Trip": { "stated": "$5,000", "kind": "amount", "amount_aud": 5000 } }, "evidence": { "row": "4B Resumption of Travel $5,000 $1,500 Not Covered $5,000" }, "citation": { "quote": "Resumption of Travel", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$5,000", "$1,500", "Not Covered", "$5,000" ] } }, { "benefit": "Emergency Expenses for Death, Injury or Illness of 4C Your Relative, Your Travelling Companion or Your", "benefit_as_printed": "Emergency Expenses for Death, Injury or Illness of 4C Your Relative, Your Travelling Companion or Your", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$5,000", "kind": "amount", "amount_aud": 5000 }, "Essentials": { "stated": "$1,500", "kind": "amount", "amount_aud": 1500 }, "Basics": { "stated": "Not Covered", "kind": "no_cover", "amount_aud": 0 }, "Annual Multi-Trip": { "stated": "$5,000", "kind": "amount", "amount_aud": 5000 } }, "evidence": { "row": "4C Your Relative, Your Travelling Companion or Your $5,000 $1,500 Not Covered $5,000" }, "citation": { "quote": "Emergency Expenses for Death, Injury or Illness of 4C Your Relative, Your Travelling Companion or Your", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$5,000", "$1,500", "Not Covered", "$5,000" ] } }, { "benefit": "Travelling Companion’s Relative 4D Special Events", "benefit_as_printed": "Travelling Companion’s Relative 4D Special Events", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$5,000", "kind": "amount", "amount_aud": 5000 }, "Essentials": { "stated": "$2,000", "kind": "amount", "amount_aud": 2000 }, "Basics": { "stated": "Not Covered", "kind": "no_cover", "amount_aud": 0 }, "Annual Multi-Trip": { "stated": "$5,000", "kind": "amount", "amount_aud": 5000 } }, "evidence": { "row": "4D Special Events $5,000 $2,000 Not Covered $5,000" }, "citation": { "quote": "Travelling Companion’s Relative", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$5,000", "$2,000", "Not Covered", "$5,000" ] } }, { "benefit": "accidental_death", "benefit_as_printed": "5 Accidental Death", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$25,000**", "kind": "amount", "amount_aud": 25000 }, "Essentials": { "stated": "$15,000**", "kind": "amount", "amount_aud": 15000 }, "Basics": { "stated": "Not Covered", "kind": "no_cover", "amount_aud": 0 }, "Annual Multi-Trip": { "stated": "$25,000**", "kind": "amount", "amount_aud": 25000 } }, "evidence": { "row": "5 Accidental Death $25,000** $15,000** Not Covered $25,000**" }, "citation": { "quote": "Section 5–24 5 Accidental Death", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$25,000**", "$15,000**", "Not Covered", "$25,000**" ] } }, { "benefit": "Accidental Disability", "benefit_as_printed": "Accidental Disability", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$25,000**", "kind": "amount", "amount_aud": 25000 }, "Essentials": { "stated": "$15,000**", "kind": "amount", "amount_aud": 15000 }, "Basics": { "stated": "Not Covered", "kind": "no_cover", "amount_aud": 0 }, "Annual Multi-Trip": { "stated": "$25,000**", "kind": "amount", "amount_aud": 25000 } }, "evidence": { "row": "6 Accidental Disability $25,000** $15,000** Not Covered $25,000**" }, "citation": { "quote": "6 Accidental Disability", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$25,000**", "$15,000**", "Not Covered", "$25,000**" ] } }, { "benefit": "personal_liability", "benefit_as_printed": "Your Legal Liability", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$10,000,000", "kind": "amount", "amount_aud": 10000000 }, "Essentials": { "stated": "$10,000,000", "kind": "amount", "amount_aud": 10000000 }, "Basics": { "stated": "$10,000,000", "kind": "amount", "amount_aud": 10000000 }, "Annual Multi-Trip": { "stated": "$10,000,000", "kind": "amount", "amount_aud": 10000000 } }, "evidence": { "row": "7 Your Legal Liability $10,000,000 $10,000,000 $10,000,000 $10,000,000" }, "citation": { "quote": "Your Legal Liability", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$10,000,000", "$10,000,000", "$10,000,000", "$10,000,000" ] } }, { "benefit": "rental_vehicle_excess", "benefit_as_printed": "Rental Car Excess", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$8,000^", "kind": "amount", "amount_aud": 8000 }, "Essentials": { "stated": "$4,000^", "kind": "amount", "amount_aud": 4000 }, "Basics": { "stated": "Not Covered", "kind": "no_cover", "amount_aud": 0 }, "Annual Multi-Trip": { "stated": "$8,000^", "kind": "amount", "amount_aud": 8000 } }, "evidence": { "row": "8 Rental Car Excess $8,000^ $4,000^ Not Covered $8,000^" }, "citation": { "quote": "Rental Car Excess", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$8,000^", "$4,000^", "Not Covered", "$8,000^" ] } }, { "benefit": "Loss of Income from Injury", "benefit_as_printed": "Loss of Income from Injury", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$10,400", "kind": "amount", "amount_aud": 10400 }, "Essentials": { "stated": "$5,200", "kind": "amount", "amount_aud": 5200 }, "Basics": { "stated": "Not Covered", "kind": "no_cover", "amount_aud": 0 }, "Annual Multi-Trip": { "stated": "$10,400", "kind": "amount", "amount_aud": 10400 } }, "evidence": { "row": "9 Loss of Income from Injury $10,400 $5,200 Not Covered $10,400" }, "citation": { "quote": "9 Loss of Income from Injury", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$10,400", "$5,200", "Not Covered", "$10,400" ] } }, { "benefit": "Financial Default", "benefit_as_printed": "Financial Default", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$10,000", "kind": "amount", "amount_aud": 10000 }, "Essentials": { "stated": "Not Covered+", "kind": "unparsed", "amount_aud": null }, "Basics": { "stated": "Not Covered", "kind": "no_cover", "amount_aud": 0 }, "Annual Multi-Trip": { "stated": "$10,000", "kind": "amount", "amount_aud": 10000 } }, "evidence": { "row": "10 Financial Default $10,000 Not Covered+ Not Covered $10,000" }, "citation": { "quote": "10 Financial Default", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$10,000", "Not Covered+", "Not Covered", "$10,000" ] } }, { "benefit": "Sub- Limit 10D Travel Agent Fees", "benefit_as_printed": "Sub- Limit 10D Travel Agent Fees", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$4,000", "kind": "amount", "amount_aud": 4000 }, "Essentials": { "stated": "$2,000", "kind": "amount", "amount_aud": 2000 }, "Basics": { "stated": "Not Covered", "kind": "no_cover", "amount_aud": 0 }, "Annual Multi-Trip": { "stated": "$4,000", "kind": "amount", "amount_aud": 4000 } }, "evidence": { "row": "10D Travel Agent Fees $4,000 $2,000 Not Covered $4,000" }, "citation": { "quote": "10D Travel Agent Fees", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$4,000", "$2,000", "Not Covered", "$4,000" ] } }, { "benefit": "Domestic Pets", "benefit_as_printed": "Domestic Pets", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$650^~", "kind": "amount", "amount_aud": 650 }, "Essentials": { "stated": "Not Covered", "kind": "no_cover", "amount_aud": 0 }, "Basics": { "stated": "Not Covered", "kind": "no_cover", "amount_aud": 0 }, "Annual Multi-Trip": { "stated": "$650^~", "kind": "amount", "amount_aud": 650 } }, "evidence": { "row": "11 Domestic Pets $650^~ Not Covered Not Covered $650^~" }, "citation": { "quote": "11 Domestic Pets", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$650^~", "Not Covered", "Not Covered", "$650^~" ] } }, { "benefit": "Domestic Services", "benefit_as_printed": "Domestic Services", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$1,500^~", "kind": "amount", "amount_aud": 1500 }, "Essentials": { "stated": "Not Covered", "kind": "no_cover", "amount_aud": 0 }, "Basics": { "stated": "Not Covered", "kind": "no_cover", "amount_aud": 0 }, "Annual Multi-Trip": { "stated": "$1,500^~", "kind": "amount", "amount_aud": 1500 } }, "evidence": { "row": "12 Domestic Services $1,500^~ Not Covered Not Covered $1,500^~" }, "citation": { "quote": "12 Domestic Services", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$1,500^~", "Not Covered", "Not Covered", "$1,500^~" ] } }, { "benefit": "travel_delay", "benefit_as_printed": "Travel Delay", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$3,000~", "kind": "amount", "amount_aud": 3000 }, "Essentials": { "stated": "$1,500~", "kind": "amount", "amount_aud": 1500 }, "Basics": { "stated": "Not Covered", "kind": "no_cover", "amount_aud": 0 }, "Annual Multi-Trip": { "stated": "$3,000~", "kind": "amount", "amount_aud": 3000 } }, "evidence": { "row": "13 Travel Delay $3,000~ $1,500~ Not Covered $3,000~" }, "citation": { "quote": "13 Travel Delay", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$3,000~", "$1,500~", "Not Covered", "$3,000~" ] } }, { "benefit": "Hijack and Kidnap", "benefit_as_printed": "Hijack and Kidnap", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$10,000**~", "kind": "amount", "amount_aud": 10000 }, "Essentials": { "stated": "$5,000**~", "kind": "amount", "amount_aud": 5000 }, "Basics": { "stated": "Not Covered", "kind": "no_cover", "amount_aud": 0 }, "Annual Multi-Trip": { "stated": "$10,000**~", "kind": "amount", "amount_aud": 10000 } }, "evidence": { "row": "14 Hijack and Kidnap $10,000**~ $5,000**~ Not Covered $10,000**~" }, "citation": { "quote": "14 Hijack and Kidnap", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$10,000**~", "$5,000**~", "Not Covered", "$10,000**~" ] } }, { "benefit": "Ski and Winter Sports Overseas Medical and Hospital", "benefit_as_printed": "Ski and Winter Sports Overseas Medical and Hospital", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$unlimited*", "kind": "unlimited", "amount_aud": null }, "Essentials": { "stated": "$unlimited*", "kind": "unlimited", "amount_aud": null }, "Basics": { "stated": "Not Covered", "kind": "no_cover", "amount_aud": 0 }, "Annual Multi-Trip": { "stated": "$unlimited*", "kind": "unlimited", "amount_aud": null } }, "evidence": { "row": "15 Ski and Winter Sports Overseas Medical and Hospital $unlimited* $unlimited* Not Covered $unlimited*" }, "citation": { "quote": "15 Ski and Winter Sports Overseas Medical and Hospital", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$unlimited*", "$unlimited*", "Not Covered", "$unlimited*" ] } }, { "benefit": "overseas_dental_emergency", "benefit_as_printed": "Overseas Dental", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$unlimited*", "kind": "unlimited", "amount_aud": null }, "Essentials": { "stated": "$2,000", "kind": "amount", "amount_aud": 2000 }, "Basics": { "stated": "Not Covered", "kind": "no_cover", "amount_aud": 0 }, "Annual Multi-Trip": { "stated": "$unlimited*", "kind": "unlimited", "amount_aud": null } }, "evidence": { "row": "15C Overseas Dental $unlimited* $2,000 Not Covered $unlimited*" }, "citation": { "quote": "15C Overseas Dental", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$unlimited*", "$2,000", "Not Covered", "$unlimited*" ] } }, { "benefit": "Snow Ski Equipment Hire", "benefit_as_printed": "Snow Ski Equipment Hire", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$2,000^", "kind": "amount", "amount_aud": 2000 }, "Essentials": { "stated": "$1,000^", "kind": "amount", "amount_aud": 1000 }, "Basics": { "stated": "Not Covered", "kind": "no_cover", "amount_aud": 0 }, "Annual Multi-Trip": { "stated": "$2,000^", "kind": "amount", "amount_aud": 2000 } }, "evidence": { "row": "16 Snow Ski Equipment Hire $2,000^ $1,000^ Not Covered $2,000^" }, "citation": { "quote": "Snow Ski Equipment Hire", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$2,000^", "$1,000^", "Not Covered", "$2,000^" ] } }, { "benefit": "Ski Pack", "benefit_as_printed": "Ski Pack", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$1,000^", "kind": "amount", "amount_aud": 1000 }, "Essentials": { "stated": "$500^", "kind": "amount", "amount_aud": 500 }, "Basics": { "stated": "Not Covered", "kind": "no_cover", "amount_aud": 0 }, "Annual Multi-Trip": { "stated": "$1,000^", "kind": "amount", "amount_aud": 1000 } }, "evidence": { "row": "17 Ski Pack $1,000^ $500^ Not Covered $1,000^" }, "citation": { "quote": "17 Ski Pack", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$1,000^", "$500^", "Not Covered", "$1,000^" ] } }, { "benefit": "Piste Closure", "benefit_as_printed": "Piste Closure", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$1,000^~", "kind": "amount", "amount_aud": 1000 }, "Essentials": { "stated": "$500^~", "kind": "amount", "amount_aud": 500 }, "Basics": { "stated": "Not Covered", "kind": "no_cover", "amount_aud": 0 }, "Annual Multi-Trip": { "stated": "$1,000^~", "kind": "amount", "amount_aud": 1000 } }, "evidence": { "row": "18 Piste Closure $1,000^~ $500^~ Not Covered $1,000^~" }, "citation": { "quote": "Piste Closure", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$1,000^~", "$500^~", "Not Covered", "$1,000^~" ] } }, { "benefit": "Bad Weather and Avalanche", "benefit_as_printed": "Bad Weather and Avalanche", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$1,000^", "kind": "amount", "amount_aud": 1000 }, "Essentials": { "stated": "$500^", "kind": "amount", "amount_aud": 500 }, "Basics": { "stated": "Not Covered", "kind": "no_cover", "amount_aud": 0 }, "Annual Multi-Trip": { "stated": "$1,000^", "kind": "amount", "amount_aud": 1000 } }, "evidence": { "row": "19 Bad Weather and Avalanche $1,000^ $500^ Not Covered $1,000^" }, "citation": { "quote": "19 Bad Weather and Avalanche", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$1,000^", "$500^", "Not Covered", "$1,000^" ] } }, { "benefit": "Lift Pass", "benefit_as_printed": "Lift Pass", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$500", "kind": "amount", "amount_aud": 500 }, "Essentials": { "stated": "$250", "kind": "amount", "amount_aud": 250 }, "Basics": { "stated": "Not Covered", "kind": "no_cover", "amount_aud": 0 }, "Annual Multi-Trip": { "stated": "$500", "kind": "amount", "amount_aud": 500 } }, "evidence": { "row": "20 Lift Pass $500 $250 Not Covered $500" }, "citation": { "quote": "20 Lift Pass", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$500", "$250", "Not Covered", "$500" ] } }, { "benefit": "Cruise option 21A Cabin Confinement", "benefit_as_printed": "Cruise option 21A Cabin Confinement", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$1,500~", "kind": "amount", "amount_aud": 1500 }, "Essentials": { "stated": "$1,500~", "kind": "amount", "amount_aud": 1500 }, "Basics": { "stated": "$1,500~", "kind": "amount", "amount_aud": 1500 }, "Annual Multi-Trip": { "stated": "$1,500~", "kind": "amount", "amount_aud": 1500 } }, "evidence": { "row": "21A Cabin Confinement $1,500~ $1,500~ $1,500~ $1,500~" }, "citation": { "quote": "Cruise Benefits option 21A Cabin Confinement", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$1,500~", "$1,500~", "$1,500~", "$1,500~" ] } }, { "benefit": "Missed Port", "benefit_as_printed": "Missed Port", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$150", "kind": "amount", "amount_aud": 150 }, "Essentials": { "stated": "$150", "kind": "amount", "amount_aud": 150 }, "Basics": { "stated": "$150", "kind": "amount", "amount_aud": 150 }, "Annual Multi-Trip": { "stated": "$150", "kind": "amount", "amount_aud": 150 } }, "evidence": { "row": "21B Missed Port $150 $150 $150 $150" }, "citation": { "quote": "21B Missed Port", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$150", "$150", "$150", "$150" ] } }, { "benefit": "Missed Shore Excursion", "benefit_as_printed": "Missed Shore Excursion", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$1,500", "kind": "amount", "amount_aud": 1500 }, "Essentials": { "stated": "$1,500", "kind": "amount", "amount_aud": 1500 }, "Basics": { "stated": "$1,500", "kind": "amount", "amount_aud": 1500 }, "Annual Multi-Trip": { "stated": "$1,500", "kind": "amount", "amount_aud": 1500 } }, "evidence": { "row": "21C Missed Shore Excursion $1,500 $1,500 $1,500 $1,500" }, "citation": { "quote": "21C Missed Shore Excursion", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$1,500", "$1,500", "$1,500", "$1,500" ] } }, { "benefit": "Marine Rescue Diversion", "benefit_as_printed": "Marine Rescue Diversion", "page": "lines 293-372", "limits": { "Comprehensive": { "stated": "$500~", "kind": "amount", "amount_aud": 500 }, "Essentials": { "stated": "$500~", "kind": "amount", "amount_aud": 500 }, "Basics": { "stated": "$500~", "kind": "amount", "amount_aud": 500 }, "Annual Multi-Trip": { "stated": "$500~", "kind": "amount", "amount_aud": 500 } }, "evidence": { "row": "21D Marine Rescue Diversion $500~ $500~ $500~ $500~" }, "citation": { "quote": "21D Marine Rescue Diversion", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$500~", "$500~", "$500~", "$500~" ] } } ] } ], "rows_withheld_for_review": [ { "page": "lines 293-372", "proposed_benefit": null, "line": " Sub-Limits", "problems": [ "no benefit name could be read for this row" ] }, { "page": "lines 293-372", "proposed_benefit": null, "line": " Sub-Limits", "problems": [ "no benefit name could be read for this row" ] }, { "page": "lines 293-372", "proposed_benefit": "Cash in Hospital", "line": " 15B Cash in Hospital Not Covered", "problems": [ "too few of the plan columns carry a value" ] } ], "how_it_was_read": "The PDS rendered with its page columns preserved, then the grid reconstructed: a column has to carry values on several rows to count as a column, plan names come from the header words over each column, and every row keeps the line it was read from. A row that could not be read confidently is in `review`, not in `benefits`." }