Skip to main content

RACV Travel Insurance policy documents

Documents to help you understand your insurance policy

Thank you for contacting us

Your reference number is

We'll contact you within 72 hours and may ask for this reference number.

Product Disclosure Statements (PDS) and Financial Services Guide (FSG)

RACV Travel Insurance Combined Financial Services Guide and Product Disclosure Statement – 29 May 2025 (PDF, 1700 KB)
For policies issued with a start date on or after 29 May 2025 10.00pm.

RACV Travel Insurance Combined Financial Services Guide and Product Disclosure Statement – 23 August 2024 (PDF, 1600 KB)
For policies issued with a start date on or after 23 August 2024-29 May 2025 9.59pm.

RACV Travel Insurance Combined Financial Services Guide and Product Disclosure Statement – 15 December 2023 (PDF, 1600 KB)
For policies with a start date on or after 15 December 2023 - 22 August 2024.

RACV Travel Insurance Combined Financial Services Guide and Product Disclosure Statement – 11 July 2023 (PDF, 2200 KB)
For policies with a start date on or after 11 July 2023 - 14 December 2023.

RACV Travel Insurance Combined Financial Services Guide and Product Disclosure Statement – May 2023 (PDF, 872 KB)
For policies with a start date on or after 31 May 2023 - 10 July 2023.

RACV Travel Insurance Combined Financial Services Guide and Product Disclosure Statement – August 2022 (PDF, 3000 KB)
For policies with a start date on or after 10 August 2022 - 30 May 2023.

RACV Travel Insurance Combined Financial Services Guide and Product Disclosure Statement – March 2022 (PDF, 549 KB)
For policies with a start date from 1 March 2022 - 9 August 2022.

RACV Travel Insurance Combined Financial Services Guide and Product Disclosure Statement – November 2021 (PDF, 496 KB)
For policies with a start date from 17 November 2021 - 28 February 2022.

RACV Travel Insurance Combined Financial Services Guide and Product Disclosure Statement – October 2021 (PDF, 540 KB)
For policies with a start date from 5 October 2021 - 16 November 2021.

RACV Travel Insurance Combined Financial Services Guide and Product Disclosure Statement – April 2021 (PDF, 387 KB)
For policies with a start date from 5 April 2021 - 4 October 2021.

RACV Travel Insurance Combined Financial Services Guide and Product Disclosure Statement – March 2021 (PDF, 382 KB)
For policies with a start date from 11 March 2020 - 4 April 2021.

RACV Travel Insurance Combined Financial Services Guide and Product Disclosure Statement – September 2019 (PDF, 464 KB)
For policies with a start date from 30 September 2019 - 10 March 2020.

Target Market Determinations (TMD)

How RACV Insurance is designed

Policy on developing and distributing retail insurance products

The issuer of RACV Travel Insurance products, Tokio Marine & Nichido Fire Insurance Co., Ltd aims to develop and distribute travel insurance that is suitable for its customers in a more targeted way. Target Market Determinations (TMDs) have been published since 5 October 2021 outlining the intended class of customers that comprise the target market for the travel insurance products along with matters relevant to the distribution and review of these products.

Read the Tokio Marine & Nichido Fire Insurance Co., Ltd Policy (PDF, 203 KB)

Key terms

A document sent to you after you purchase your insurance policy. It outlines details of your cover, such as the policy number, when it takes effect, when it expires, limits and the price of your premium.

A legal document with the terms and conditions of your cover, such as inclusions and exclusions. It should be read alongside your Certificate of Insurance.

Explains what insurance products are available and who provides them, so you can decide whether or not to use our services.

A Target Market Determination is a document which describes the intended class of customers the product is appropriate for (target market), and outlines ways the product can be distributed to customers. It also describes the circumstances where the Target Market Determination may need to be reviewed.

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.