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RACV Travel Insurance Review

Learn more about RACV’s travel insurance policies to find out about their coverage and fees and compare them with other insurers today.

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, updated on June 26th, 2023       

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For more than a century, RACV has provided roadside assistance and a range of other services to its more than two million members. The Melbourne organisation has branched out in that time, widening the scope of its services to products such as home and travel insurance and becoming a leader in those markets.

If you’re looking for the best travel insurance, Savvy can help you compare RACV’s policies with its competitors so you can find the most suitable deal for your next holiday. You’ll be able to weigh up all the factors, from claim limits to benefits to inclusions and exclusions.

Find out what they can offer you here before getting a quote with Savvy today.

*Please note that Savvy does not represent RACV for its insurance products.

More about RACV travel insurance

What travel insurance policies does RACV offer?

RACV’s online travel insurance policies include:

  • International Comprehensive: this policy offers unlimited medical treatment and cancellation cover, protection for your luggage and travel documents and even pays for the additional cost of boarding your pet if you’re travel home is delayed. You’re also covered for a range of COVID-19-related expenses such as cancellation, hospital costs and cancellation.
  • International Essentials: offering many of the same benefits as the comprehensive policy, RACV’s cheaper Essentials plan comes without COVID-19 or pet cover and lower claim limits.
  • International Basics: this policy offers protection for the bare necessities, including overseas hospital and dental expenses, funeral costs if you die on holiday, limited coverage for your luggage and generous personal liability cover.
  • Domestic Travel Insurance: this type of domestic travel insurance policy offers cover for lost luggage, cancellation fees and deposits, travel delays and any travel agent fees. RACV also offers domestic travel insurance for seniors.
  • Annual Multi-Trip Insurance: planning a few international or domestic trips across 12 months? This policy is designed for frequent travellers and covers you for cancellation fees and lost deposits, overseas healthcare and any emergency expenses. You’re able to make an unlimited number of trips (up to 60 days in individual length) over the year. However, they must be more than 250km from your home.
Comprehensive Essentials Basics Domestic
Overseas medical
Unlimited
Unlimited
Unlimited
N/A
Cancellation
Unlimited
$25,000
N/A
Unlimited
Luggage/personal items
$15,000
$7,500
$2,000
$7,500
Travel delay expenses
$3,000
$1,500
N/A
$1,500
Personal liability
$10 million
$10 million
$10 million
$10 million
Loss of income
$10,400
$5,200
N/A
$5,200
Domestic pets
$650
N/A
N/A
N/A

However, it pays to compare quotes with Savvy to help you find the best travel insurance policy for your needs, no matter if you’re planning a holiday to Poland or a trip across Australia.

What optional extras are available through RACV?

RACV, like many other providers, provides optional extras for both international and domestic holidays. These include:

  1. Ski and winter sports cover: hitting the snow fields on your European holiday or carving up the snow-capped mountains in Thredbo? RACV allows you to purchase a comprehensive, essentials, basics or domestic ski add-on which covers you for a range of incidentals, including equipment hire, piste closure and bad weather or avalanches.
  2. Cruise cover: this optional extra provides coverage for any medical expenses and evacuation, lost or delayed bags, cancellation and any emergency expenses.

What exclusions should I be aware of when buying travel insurance through RACV?

Finding the best travel insurance policy can be a bit like striking gold. However, even the product which is best suited to you won’t cover absolutely every incident that occurs on your holiday. Some of the general exclusions on RACV's coverage include:

  1. Loss, theft or damage because you don’t take reasonable care
  2. Loss of enjoyment or a prospective business opportunity
  3. Claims relating to travel to a country against government advice
  4. Failure to provide a document your insurer has requested
  5. If you’re injured or suffer a loss due to war or a revolution at your destination
  6. Claims resulting from you breaking the law
  7. Accidents caused by the consumption of alcohol or drugs

If you’ve found a policy that catches your eye, make sure you review the Product Disclosure Statement (PDS) before you set your decision in stone.

What we think of RACV travel insurance

What we like

Generous personal liability

While many travel insurance companies offer personal liability coverage in the ballpark of $2.5 million or $5 million, RACV allows you to claim up to $10 million if you’re involved in legal troubles on your holiday.

Children under 25 covered for free

Taking the children or grandchildren on holiday with you? RACV allows you to add anyone under the age of 25 years old to your travel insurance policy at no additional cost.

Ride a motorcycle at no extra cost

Planning on carving up the busy streets of your holiday destination on two wheels? RACV provides automatic coverage for motorcycle, moped or scooter riding while you’re on holiday.

What we don't like

Higher premium for cruises

Unlike some travel insurance providers who offer cruise coverage automatically as part of their policies, RACV requires you to purchase an add-on to get covered if you’re sailing the high seas.

Limited coverage for pregnancies

If you’re an expectant mother, RACV offers limited cover for pregnancy in its policies. You’ll only be covered for unexpected complications before your 26th week or premature birth.

Modest pre-existing coverage

While RACV’s travel insurance policies automatically cover illnesses such as acne, certain types of diabetes, gout and sleep apnoea, they’ll require you to undergo a medical assessment if you have a more serious illness, such as a heart condition.

Types of travel insurance

Why compare travel insurance with Savvy?

Frequently asked questions about RACV travel insurance

Does RACV offer coverage for COVID-19?

Yes – RACV provides cover for certain COVID-19-related expenses on its comprehensive international travel insurance policy. This allows you to be covered for any medical costs if you’re diagnosed with coronavirus, lost deposits or cancellation fees if you test positive and can’t travel and any delay to your plans.

How do I make a claim through RACV?

If something goes wrong while you’re on holiday, you can make a claim 24/7 through RACV’s website. This involves you setting up an account using the email address that you purchased your policy with and creating a password.

From there, you’ll be required to complete the online claim form and provide ample detail about the incident and evidence through medical or police reports and receipts. Once you’ve filed your claim, RACV’s website says it can take up to ten days for claims to be processed.

How much will my RACV travel insurance cost?

The cost of travel insurance is different for everyone, as it’s determined by a unique set of variables, including:

  • Your date of birth
  • Your chosen destination
  • The level of coverage you buy
  • Any optional extras you need
  • Pre-existing medical conditions you need to disclose
  • The policy excess you choose
  • The type of insurer and insurance policy you buy
What’s the difference between single-trip, multi-trip and one-way travel insurance?

An annual multi-trip travel insurance allows you to take several journeys across one year (usually allowing up to 60 travel days for each trip) whereas a single-trip policy allows for coverage on only one return holiday. If you haven’t got a return flight, a one-way travel insurance policy protects you for just one leg of the journey for up to 12 months. In most cases, you’ll be able to extend your cover by an extra 12 months.

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