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Travel Insurance
Why choose RACV Travel Insurance?
Discover why Victorians trust RACV Travel Insurance. From overseas medical emergencies to trip cancellations, get the cover you need - backed by a name you know.
Unexpected events such as illness, flight cancellations, lost luggage or rental vehicle accidents can happen to any traveller. That's why choosing the right travel insurance is just as important as choosing your destination.
Here's what sets RACV Travel Insurance apart when it comes to protecting your next adventure.
10 reasons to choose RACV Travel Insurance for your next holiday
1. Award-winning travel insurance you can trust
Choosing travel insurance isn't simply about comparing policy features. It's also about selecting a provider with a proven reputation for customer service, value and support when unexpected situations arise.
RACV Travel Insurance has received multiple awards for its service and benefits⋄⋄, including:
- the 2026 WeMoney Travel Insurance Awards' Best for Member Benefits award
- 2025 Mozo People's Choice Awards, including Highly Trusted and Most Recommended Travel Insurance
- 2023-2025 Mozo Experts' Choice Award for Exceptional Quality Travel Insurance.
While every traveller hopes they'll never need to make a claim, knowing your insurer has earned recognition for service and value can offer valuable reassurance before you even leave home.
2. Backed by one of Victoria's most trusted brands
Travel insurance is something you hope you never have to use - but when you do, trust matters.
For generations, RACV has supported Victorians through life's unexpected moments, whether that's helping motorists at the roadside, or providing travel services and access to travel insurance options.
RACV is a long-established member organisation with decades of experience helping people when plans change unexpectedly.
That history gives many travellers added confidence that they'll be supported throughout their journey, from booking their holiday to returning home.
3. Kids and grandkids travel free
One of RACV Travel Insurance's standout benefits for families is that eligible dependant children and grandchildren can be included on your policy at no additional cost, provided they meet the policy criteria and are travelling with you for the entire trip.++
For parents and grandparents planning a family holiday, this can represent significant value compared to purchasing separate policies, while making it easier to keep the whole family covered under one plan.
You can discover trips, tours, cruises and more on the RACV App.
4. Protection for every stage of your journey
Every holiday is different, which is why travel insurance should reflect the type of trip you're taking.
Whether you're travelling within Australia, exploring Asia, skiing in Japan or embarking on a European cruise, RACV Travel Insurance offers a range of policy options designed to suit different travel styles and destinations.
Depending on the policy selected, cover may include benefits such as:
- overseas emergency medical and hospital expenses
- trip cancellation and disruption
- lost, stolen or delayed luggage
- rental car excess
- personal liability
- additional accommodation and travel expenses caused by eligible delays
- optional cover for cruises** and winter sports.
Rather than paying for cover you don't need, travellers can choose a policy that aligns with their itinerary, destination and planned activities.
From the busy departure terminals at Melbourne Airport to remote destinations, RACV Travel Insurance has options for travellers in Australia and across the globe.
5. More activities included as standard
Many travel insurers charge extra for adventure packs or activity add-ons, but RACV Travel Insurance automatically includes cover for a broad range of amateur sports and leisure activities when eligibility criteria are met.
From hiking and kayaking to quad biking and parasailing, many popular holiday activities are included as standard, helping travellers enjoy their trip without needing to pay extra for cover they'll actually use. Optional cover is only required for selected activities, such as ski and winter sports.
6. Scooter, moped and motorcycle cover included
Hiring a scooter, moped or motorcycle is a popular way to explore destinations such as Bali, Thailand and Vietnam, yet many travellers don't realise some insurers require an optional add-on for this type of cover.
RACV Travel Insurance includes cover for eligible motorcycle, moped and scooter riding at no additional premium (subject to the terms, conditions and licensing requirements outlined in the Product Disclosure Statement).ǁ For travellers planning to get around on two wheels, this can provide valuable peace of mind without the need to purchase an additional cover option.
RACV Travel Agents are available at select locations to help you plan your trip.
7. New for old luggage replacement
Replacing lost or stolen luggage can be frustrating enough without having to worry about depreciation. RACV Travel Insurance includes new for old luggage cover on eligible luggage and personal belongings, meaning they can be replaced with new equivalents rather than their depreciated value.#
8. 38 medical conditions automatically covered
Pre-existing medical conditions are one of the biggest concerns for many travellers. RACV Travel Insurance automatically covers 38 specified medical conditions, provided you meet the eligibility criteria outlined in the Product Disclosure Statement.~
If your condition isn't on the automatically covered list, you can complete a medical assessment to determine whether cover can be offered, potentially providing greater certainty before you travel.
9. Support when you need it most
Emergencies don't keep business hours. If you fall ill in Florence at 2am or lose your passport in Bangkok on a public holiday, RACV Travel Insurance's 24/7 overseas emergency assistance is available to help: any time, any day, anywhere in the world.
This service can coordinate emergency medical evacuation, connect you with local medical providers, arrange travel for a family member to be by your side if you're hospitalised, and provide guidance on next steps when you're stressed and far from home. Having that lifeline available around the clock is one of the most valuable features of any travel insurance policy.
For many travellers, that access to assistance is just as valuable as the financial protection their policy provides.
10. Member benefits for RACV Members
RACV Members save 15 per cent on RACV Travel Insurance*. In addition, RACV Members can access 18 retail shops across Victoria for help from dedicated travel agents.
Whether you're booking flights, accommodation, tours, cruises or car hire, RACV provides a broad range of travel services that can help make planning your holiday simpler.
Many Victorians also rely on RACV for motoring, home and lifestyle services throughout the year. Choosing RACV Travel Insurance means your holiday protection comes from an organisation you may already know and trust.
Having your travel planning and insurance supported by the same trusted organisation can provide added convenience before you leave and confidence while you're away.
RACV Travel Insurance includes 24/7 overseas emergency assistance. Image: Getty
Travel with confidence with RACV Travel Insurance
No one plans for disrupted holidays, medical emergencies or lost luggage, but they can happen to even the most experienced travellers.
Choosing RACV Travel Insurance means selecting cover with flexible policy options, overseas emergency assistance and a reputation built on trust.
Whether you're heading interstate for a long weekend or travelling overseas for your next big adventure, taking out travel insurance before you leave can help protect both your holiday and your peace of mind.
* RACV Member discount applies to the premium only (not applicable taxes).
⋄⋄ For more awards information, refer to https://mozo.com.au and https://www.wemoney.com.au/wemoney-travel-awards-2026.
++ Dependant means any of your children, stepchildren, foster children or grandchildren who are 25 years of age or under at the time you purchase your policy, financially dependent on their parents or grandparents, not working full time, travelling with you for your entire trip and listed on the Certificate of Insurance as your Dependant. Dependants can be covered at no extra cost if they have not disclosed any medical conditions requiring assessment. Terms, conditions, exclusions, limits and sub-limits apply. Refer to PDS for full details.
** Refer to combined PDS/FSG to determine if Cruise cover is required for your trip. Terms, conditions, limits, sub-limits and exclusions apply.
# Terms, conditions (including eligibility criteria), limits, sub-limits and exclusions apply. Refer to combined PDS/FSG for full details.
~ You’re covered automatically for 38 medical conditions if you meet all criteria, as outlined in the PDS. Refer to PDS for full information on medical conditions that are automatically covered.
ǁ Moped or Scooter’ (two or three wheeled motor vehicle (including e-scooters) with engine capacity up to 50cc), ‘Motorcycle’ (two or three wheeled motor vehicle (including electronic versions) with engine capacity equal to or greater than 50cc) and ‘Quad Bike’ are defined in the PDS. Cover is subject to general exclusions, including where you are operating or travelling as a passenger without wearing a helmet and driving without meeting specific licensing requirements. Refer to the PDS for full definitions, terms, conditions and exclusions.
Royal Automobile Club of Victoria (RACV) Limited (ABN 44 004 060 833, AR No. 1243563) (RACV) is an authorised representative of the RACV Travel Insurance insurer Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548) (Tokio Marine). Tokio Marine Management (Australasia) Pty Ltd (ABN 69 001 488 455, AR No. 1313066) is an authorised representative of Tokio Marine, and administers RACV Travel Insurance as the managing agent on behalf of Tokio Marine.
Terms, conditions (including eligibility criteria), exclusions, limits and sub-limits apply. Any advice is general advice only, and does not take into account your specific objectives, financial situation or needs. Before you purchase, please consider the Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) and Target Market Determinations (TMDs) available on RACV’s website, or on request from RACV.
