• Your health and safety are our first priority

    We understand you may have questions in connection with travel to international destinations. We want to help our Members remain informed at this time, particularly in relation to travel insurance. The below Frequently Asked Questions (FAQs) have been developed to assist in providing clarity on situations you may find yourself in and how those situations relate to travel insurance.

    All coverage is assessed on the standard terms and conditions of your policy, available in the Product Disclosure Statement. The definition provided under the section titled ‘What is a Medical Condition’ may be of particular relevance in these circumstances. 

  • Current travel advice relating to COVID-19

    Find out further information on COVID-19 and your travel insurance policy.

    Find out more

I am currently travelling overseas

What coverage do I have for COVID-19 under my RACV Travel Insurance policy?

i. For customers whose policies were issued before 20 January 2020 at 7am (AEST) for travel to any country; or
ii. For customers whose policies were issued after 20 January 2020 at 7am (AEST) and before 31 January 2020 at 7am (AEST) for travel to any country (excluding China); or
iii. For customers whose policies were issued after 31 January 2020 after 7am (AEST) for travel to all other countries.

Overseas Medical

If you contract COVID-19 while overseas, and as a result are hospitalised or are held in quarantine overseas, you may be covered for overseas medical expenses and associated expenses under Section 2 of the policy, provided you had not entered into in a ‘Do Not Travel’ region at the time. If you are then deemed unfit to travel there may be limited cover relating to rescheduling your trip.

Please contact the emergency assistance team on 02 8055 1699 for assistance, available 24 hours a day, 7 days a week.

All coverage is assessed on the standard terms and conditions of your policy. The definition provided under the section titled ‘What is a Medical Condition’ may be of particular relevance in these circumstances.  

Other sections of the policy

i. For customers whose policies were issued before 20 January 2020 at 7am (AEST) for travel to any country; or
ii. For customers whose policies were issued after 20 January 2020 at 7am (AEST) and before 31 January 2020 at 7am (AEST) for travel to any country (excluding China).

If the Department of Foreign Affairs and Trade (DFAT) issues a ´Do Not Travel’ while you are overseas that affects your travel plans there may be cover under Section 1 for rescheduling your trip. There may also be cover under Section 1 if another country restricts your entry whilst you are on your Trip.

Under section 4 Emergency Expenses, there may be cover for the sudden death illness of your close Relative in Australia or overseas Travelling Companion, due to COVID-19.

All coverage is assessed on the standard terms and conditions of your policy. The definition provided under the section titled ‘What is a Medical Condition’ may be of particular relevance in these circumstances.  

iii. For customers whose policies were issued after 31 January 2020 after 7am (AEST) for travel to all other countries.

The policy you purchased does not include cover for the COVID-19 under the terms and conditions of the policy as described in the PDS made available to you prior to policy purchase. COVID-19 was a known circumstance when you bought your policy.

Any claims relating to government restrictions including Do Not Travel are also not covered.

I have not started my trip

Cover for Section 1 Cancellation and Lost Deposits and Section 10 Financial Default starts on the day your policy is issued. Cover for all other benefits commences on the day your trip begins.

What coverage do I have for COVID-19 under my RACV travel insurance policy?

i. For customers whose policies were issued before 20 January 2020 at 7am (AEST) for travel to any country; or
ii. For customers whose policies were issued after 20 January 2020 at 7am (AEST) and before 31 January 2020 at 7am (AEST) for travel to any country (excluding China).

Medical in Australia

There is no medical coverage within Australia under any section of the policy. This means if you contract COVID-19: medical, ambulance or hospital expenses will not be covered.

Cancellation

The policy you purchased includes cover for the COVID-19 under the terms, conditions, limits and exclusion of the policy as described in the PDS made available to you prior to policy purchase. You may need to either cancel or reschedule/defer your trip. The most common examples  include:

  • You contracted COVID-19 before your trip began; or
  • The country you are travelling to now has imposed quarantine periods once you arrive; or
  • The country/location you are travelling to has closed its borders; or
  • The Australian government has upgraded the travel warning on smartraveller to 'Do Not Travel' for the country you are travelling to; or
  • The cruise provider has cancelled upcoming sailings; or
  • The airline provider has re-routed your flight.

In the first instance please contact your travel provider/s to discuss any actual or proposed changes to travel plans for trips booked up until 31 August 2020. Your travel provider can provide you with more information about your options for adjusting your travel itinerary or obtaining refunds or credits.

There is no cover for a change of plans resulting from you changing your mind or due to the fear of contracting COVID-19 

iii. For customers whose polices were issued after 31 January 2020 after 7am (AEST) for travel to all other countries

Other sections of the policy

The policy you purchased does not include cover for the COVID-19 under the terms and conditions of the policy as described in the PDS made available to you prior to policy purchase. COVID-19 was a known circumstance when you bought your policy.

Any claims relating to government restrictions including Do Not Travel or quarantine periods are also not covered.

What coverage do I have under my RACV travel insurance policy for events that are not related to COVID-19?

i. For customers whose policies were issued before 20 January 2020 at 7am (AEST) for travel to any country; or
ii. For customers whose policies were issued after 20 January 2020 at 7am (AEST) and before 31 January 2020 at 7am (AEST) for travel to any country (excluding China)

If the Department of Foreign Affairs and Trade (DFAT) issues a ´Do Not Travel’ while you are overseas or before you depart that affects your travel plans, there may be cover under Section 1 for rescheduling your trip. There may also be cover under Section 1 if another country restricts your entry whilst you are on your Trip.

iii. For customers whose policies were issued after 31 January 2020 after 7am (AEST) for travel to all other countries

The policy you purchased does not include cover for the COVID-19 under the terms and conditions of the policy as described in the PDS made available to you prior to policy purchase. COVID-19 was a known circumstance when you bought your policy. Any claims relating to ‘Do Not Travel’ restrictions are not covered.

General RACV Travel Insurance questions

Does my policy have a General Exclusion for an Epidemic or Pandemic?

The policies do not include a General Exclusion specifically for an epidemic, pandemic or infectious disease.

Our policy excludes cover for any known circumstance that would give rise to a claim. COVID-19 was declared a global health emergency by the WHO (World Health Organisation) on the 31 January 2020. Therefore, coverage will be based on your date of purchase of your policy.

Should I contact my travel provider/s?

Yes, we encourage all affected customers to contact their travel provider/s to discuss any actual or proposed changes to travel plans. Your travel provider can provide you with more information about your options for adjusting your travel itinerary or obtaining refunds or credits.

Product Disclosure Statements

RACV Travel Insurance Product Disclosure Statements

RACV Travel Insurance - Combined Financial Services Guide and Product Disclosure Statement for policies purchased on or after 11 March 2020.

Download

RACV Travel Insurance - Combined Financial Services Guide and Product Disclosure Statement for policies purchased on or after 30 September 2019 - 10 March 2020.

Download

RACV Travel Insurance - Combined Financial Services Guide and Product Disclosure Statement for policies purchased 27 November 2018 - 29 September 2019.

Download

RACV Travel Insurance - Combined Financial Services Guide and Product Disclosure Statement for policies purchased 25 September 2017 - 26 November 2018.

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RACV Travel Insurance - Combined Financial Services Guide and Product Disclosure Statement for policies purchased 8 July 2016 - 24 September 2017.

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Further information on our locations and services

Useful COVID-19 links

*Terms and Conditions

Any financial advice provided by RACV which is set out above is general in nature only, and does not take into account your objectives, financial situation or needs. Because of this, you should, before acting on the advice, consider the appropriateness of the advice, having regards to your objectives, financial situation and needs. You should obtain the ''RACV Travel Insurance- Combined Financial Services Guide and Product Disclosure Statement' (PDS) and consider it before making a decision about whether to acquire RACV Travel Insurance.

Where it provides financial services in relation to RACV Travel Insurance (such as financial advice or arranging for the issue of insurance), Royal Automobile Club of Victoria (ABN 44 004 060 833 AR 001243563) is acting as an Authorised Representative of the issuer of the insurance, Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548).