racv travel insurance reddit

• Join CHOICE

Travel insurance

RACV Comprehensive review

One trip policy..

This is the provider of the insurance product and correlates with the Financial Services Provider (FSP) as registered with the Australian Financial Complaints Authority. You can look up your insurer's provider in the AFCA comparative tables to see how common it is for consumers to bring a travel insurance dispute to AFCA about them.

In years (up to and including the number stated). For policies listed as '100+', there is no age limit.

Maximum age for dependants listed on the policy. In years (up to and including the number stated).

Does the policy list pre-existing medical conditions that are automatically covered.

Does the policy cover pre-existing medical conditions that are not listed as automatic cover on the policy (on application and subject to approval)

The lower the number, the better. It's the time period before booking your trip that a medical condition would be covered if you've had no symptoms,  medication or treatment (as long as that condition isn't specifically excluded). If for example, your condition last showed symptoms 18 months ago, but the time period here is 12 months, then you'll be covered subject to the other conditions of the policy.

Are claims covered that arise from pregnancy or pregnancy complications?

Until which stage pregnancy is covered for single births (up to and including).

Are medical costs covered for the mother if childbirth occurs up to the maximum pregancy stage

Limit for medical and emergency evacuation and repatriation expenses for illness or injury.

Expenses for an accompanying person such as a member of the travelling party, a friend or a close relative (not necessarily listed as insured on the certificate of insurance) to travel to the sick policyholder overseas, remain with them in hospital and accompany them home during an emergency repatriation.

Daily hospital cash allowance per person.

Minimum number of hours the insured must be continuously hospitalised before receiving the hospital cash allowance.

Limit for dental as a result of an accident.

Limit for dental as a result of sudden and acute pain.

Limit for overseas funeral costs and the return of mortal remains per deceased person, in the event of the death of the policy holder. There may be a separate limit for 'return of mortal remains' and 'overseas funeral costs', so check the policy terms for more details.

Limit for additional accommodation and travel expenses if the policy holder cannot travel due to injury or sickness.

The limit for additional travel expenses per person if travel is interrupted by an insured event (not including injury or sickness as that is covered separately under 'Additional travel expenses for injury or sickness'). Cover is assessed on individual circumstances.

Whether the policy covers you for additional travel expenses per person if travel is interrupted due to a lost or stolen passport or travel documents. Cover is assessed on individual circumstances.

Whether or not the policy covers you for additional accommodation and travel expenses if you need to curtail travel due to the serious illness or injury of a relative at home. May be subject to assessment of pre-existing conditions for the relative.

Limit for resumption of a journey interrupted due to the serious illness, injury or death of a relative. May be subject to assessment of pre-existing conditions for the relative. Check the policy terms for more details. 'Cancellation cover chosen' means variable cover options are available.

Whether the policy covers you for cancellation or amendment expenses.

Limit for cancellation or amendment expenses. 'Cover chosen' means variable cover options are available.

Limit for cancellation expenses for transportation bought using frequent flyer points.

Limit for travel agent cancellation fees.

Whether the policy covers you for losses arising out of insolvency of a travel services provider (e.g. airline, accomodation provider, bus line, shipping line, railway company, motor vehicle rental agency). Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to insolvency of a travel agent. Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to unexpected/involuntary retrenchment. Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to cancellation of pre-arranged leave from work for members of the Defence Force and Federal, State or Territory Emergency Services. Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to cancellation of pre-arranged leave from work for non-emergency services occupations. Cover is assessed on individual circumstances.

Are stolen or damaged personal belongings covered

The overall limit for stolen or damaged personal belongings.

Limit for a single unspecified item.

Limit per item for a video or photo camera. Cover is assessed on individual circumstances.

Limit for a laptop or tablet. Cover is assessed on individual circumstances.

Limit for a smartphone. Cover is assessed on individual circumstances.

Limit for any prescribed medications. Cover is assessed on individual circumstances.

Overall limit for specified items, available for an extra premium. Cover is assessed on individual circumstances.

Cover for belongings locked in a luggage compartment of a car out of sight during the day. Cover is assessed on individual circumstances.

Cover for belongings locked in a luggage compartment of a car out of sight overnight. Cover is assessed on individual circumstances.

Cover for valuables such as laptops, tablets, mobile phones, jewellery or cameras locked in the luggage compartment of a car. Cover is assessed on individual circumstances.

Cover limit per person for lost or stolen cash. Cover is assessed on individual circumstances.

Overall limit for a single person for baggage lost temporarily. Cover is assessed on individual circumstances.

The minimum period of time in hours before which cover applies for temporarily lost baggage. Cover is assessed on individual circumstances.

Limit for additional travel expenses to reach a special event such as a wedding, conference or sporting event on time if the scheduled transport is cancelled or delayed.

Limit for additional travel expenses to reach pre-paid travel arrangements on time if the scheduled transport is cancelled or delayed. Cover is assessed on individual circumstances.

Whether the policy is automatically extended if your journey is extended due to unforeseen circumstances.

Limit for additional meal and accommodation expenses if scheduled transport is delayed.

The minimum number of hours before transport delay is covered. Cover is assessed on individual circumstances.

Limit per person per 24-hour period for this transport delay. Cover is assessed on individual circumstances.

Is the collision damage excess for a hire car covered?

Limit for collision damage excess for a hire car. Cover is assessed on individual circumstances.

Does the policy cover cancellation and additional expenses for claims due to transport incidents like mechanical breakdown and accidents?

Does the policy cover cancellation and additional expenses for claims due to strikes?

Does the policy cover claims due to mental health illness experienced for the first time on the trip, and not classified as an ongoing or existing medical condition?

Does the policy cover claims due to COVID-19?

Does the policy cover claims due to pandemics other than COVID-19?

Does the policy cover claims due to natural disaster?

Does the policy cover claims due to civil unrest?

Does the policy cover claims due to terrorism?

Does the policy cover claims due to war?

Average rating

Compare international travel insurance 2024 | choice.

• Retail stores
• Fuel prices
• Help & support

Seniors Travel Insurance

Taking out the right travel insurance for seniors will help give you peace of mind so that you can focus on enjoying your trip.

I'm interested in...

•   Travel alerts
•   Getting a quote
•   Policy documents

RACV Travel Insurance $20K Giveaway

You could win a share of $20,000 in prepaid gift cards with RACV Travel Insurance^^. Purchase a new policy by 30 September 2024 and you'll automatically go into the draw for a chance to win.

^^Terms and conditions apply.

RACV Travel Insurance for seniors

Whether you are a retired baby boomer seeking adventure overseas or have made the shift to part-time and are looking to explore Australia, taking out the right travel insurance will give you added peace of mind so that you can focus on enjoying your trip.

RACV Members get 15% off RACV Travel Insurance

Take the grandkids with you

RACV Travel Insurance policies automatically cover dependent(s).  This means you can take your little ones on holiday with you at no extra cost 1 . Simply add your dependent(s) travelling with you to your Certificate of Insurance.

1. Dependents such as children, grandchildren, stepchildren, and foster children aged 25 or under at no extra cost provided they are travelling with you the whole time, are financially dependent on their parents or grandparents, not working full time and do not require a medical assessment.

Cruise cover

If you would like to be covered for cruising you must select Cruise Option for all ocean voyages more than one night. This will determine the premium you pay.

Cover for international and domestic river cruising is included automatically in your policy and you do not need to select the Cruise option.

Why choose RACV Travel Insurance?

Cancellation cover.

As we get older, we all like to be more prepared. What once was a holiday planned on-the-go becomes a trip packed full of pre-booked excursions and bucket list experiences. Taking out a RACV Travel Insurance means you can select your level of coverage for lost deposits or cancellation fees to reduce the impact of the unexpected.

Overseas medical coverage

With overseas medical cover, an international travel insurance policy will protect in the unexpected event of an injury or illness while you’re off enjoying your travels. There are limits and exclusions when it comes to Medical Conditions. Refer to Combined Financial Services Guide and Product Disclosure statement for full details.

RACV Summary of cover

Not all senior travellers have the same needs. When you're looking for the most suitable cover for your next holiday, you can select from a range of  RACV International & RACV Domestic Travel Insurance policies . Choose the level of cover that suits your needs.

Please read the Product Disclosure Statement  carefully for full details.

RACV Travel Insurance for seniors at home and abroad

Domestic travel insurance.

Only planning on travelling within Australia? Consider taking out travel insurance so that coverage can be provided for lost or stolen luggage, cancellation fees and travel delay, subject to terms, limits and conditions.

Annual Multi-Trip policy

Have a little more time on your hands to travel after retiring or making the transition to part-time work? An annual multi-trip policy can save you money on your travel insurance if you plan on travelling more than once in a 12 month period. 

Ski & winter sports cover

Getting older can bring out your adventurous side. If you’re planning on skiing on your next holiday, ensure you have the right level of coverage both domestically and internationally. RACV Travel Insurance offers additional coverage for ski and winter sports so that you can still enjoy your next skiing holiday. Ensure all pre-existing medical conditions are declared if they are not automatically covered.

Travel alerts, claims and policy documents

Travel alerts.

RACV Travel Insurance won't cover you for countries/regions with a DFAT travel advisory of "Do Not Travel".

• Smart traveller
• Recent travel alerts
• COVID-19 travel advice & FAQs

Review or manage your policy

For full details on how you’re covered, read the RACV Travel Insurance Combined Financial Services Guide and Product Disclosure Statement.

• Make a claim
• Find a policy document
• Contact us on 13 13 29

Related Links

Save more as an racv member.

Airport Lounge

Airport Parking

International Driving Permit

The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations . For copies, visit racv.com.au. Royal Automobile Club of Victoria (RACV) Ltd AR 001243563 is an authorised representative of the issuer and receives commission for each policy sold or renewed. RACV Travel Insurance issued by Tokio Marine & Nichido Fire Insurance Co., Ltd ABN 80 000 438 291 AFSL 246 548. Terms & conditions apply, refer to the PDS.

Travel Insurance Sales 13 13 29

Emergency assistance 02 8055 1699

Claims 1300 207 387

This site will not function correctly without JavaScript enabled. Please enable JavaScript in your browser.

We use cookies and other technologies to understand and improve your browsing experience. By using our site, you agree to us collecting this information and to our  Privacy Charter .