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Am I covered? Find out before you travel
It's true that travel offers some amazing and exciting activities which you can't always experience at home, but it's important that you check whether or not you'll be covered by your travel insurance policy if you want to participate in any of them.
There's also the chance the country you're visiting is in the midst of a natural disaster, which could affect how you get home, how you get to your next destination or even where you stay.
Simple awareness of what your travel insurance policy covers, and doesn't cover, could save you thousands of dollars in medical and transport costs.
Travel insurance with natural disaster cover
RACV Travel Insurance covers you for emergency expenses caused by natural disasters and severe weather conditions provided your policy was purchased before the event occurred.
While RACV Travel Insurance does include natural disaster cover, if you purchase your policy after the event has occurred no cover is available.
Examples of natural disasters include:
Volcanic activity or eruptions
Hurricanes, tornados, cyclones,
Floods, tsunamis, tidal waves
Snow storms, blizzards or adverse weather events.
See the discounts your RACV membership can offer you on your holiday
Most amateur sporting and adventure activities are covered at no extra cost. There are some sports that have conditions of cover and some that We do not cover at all. Below is an overview of the sports We do not cover and those with conditional cover.
Whatever sport or activity You choose to do, it is a condition of cover that You act in a responsible way to protect Yourself.
all types of trekking or hiking below 3,000 metres in height
zip lining or zorbing
You will need to observe the following conditions:
the activity must be conducted through a commercial operator; and
available to general public; and
not considered extreme risk; and
not require any special skills, pre-fitness training program prior to the participation of the activity, or a high level of fitness to undertake.
Policy benefits #
Policy benefits #
Total Travel Care
Extra Travel Care
Ski Overseas Medical and Hospital
Ski Equipment Hire
Bad Weather and Avalanche Closure
# Limits and Sub Limits apply.
Ski and Winter Sports Cover Additional Information
If you wish to be covered for these activities during your trip, you must pay an extra premium.
If you do purchase this additional coverage, iti is a condition of cover that you act in a responible way to protect yourself and that:
You are On-piste (or if Off-piste, You are with a professional guide at all times)
You are not racing or are part of a competition
You are not participating in a professional capacity
Activities RACV doesn't cover
The following activities are not covered and are listed on pages 59-62 under General Exclusions:
trekking or hiking above 3,000 metres in height
Skiing or snowboarding (unless You have purchased Our Ski and Winter Sports option)
bob sleighing, snow rafting, parapenting, heli-Skiing, aerobatic Skiing, skijoring, Skiing with any form of power assisted equipment
any kind of mechanised snow-mobiles except as provided by the recognised piste authorities for transport to and from areas designed for recreational Skiing (unless You have purchased Our Ski and Winter Sports option)
racing or participating in any timed event (other than on foot)
any kind of professional sport
open water sailing
participating in any rodeo activity, either as an amateur or as a professional
mountaineering or rock climbing using ropes or climbing equipment (other than for hiking)
parachuting sky diving or base jumping
hang gliding or paragliding
travel in any air supported device, other than as a passenger, in a fully licensed aircraft operated by an airline or charter company. This does not apply to regulated or licensed ballooning
diving underwater using an artificial breathing apparatus, unless You hold an open water diving licence issued in Australia or You are diving under licensed instruction
running with the bulls
Travelling a long way from home? Pack your RACV Travel Insurance
Travel insurance for mopeds, motor scooters, motorcycles and quad bikes
RACV Travel Insurance covers for moped, motor scooters and motorcycles is automatically included for no additional premium in our travel insurance policies. There are particular conditions to pay attention to which we have listed below for both the driver and the passenger:
The driver of a moped or motor scooter must hold a current Australian Driver's Licence (this doesn't include a learner's permit) or a valid driver’s licence for the country in which they're driving, even if that country does not require the policy holder to have a valid driver’s licence.
The driver of a motorcycle must hold a current Australian Motorcycle Licence or a valid driver’s licence for the country in which they're driving, even if that country does not require the policy holder to have a valid driver’s licence.
Both the driver and passenger of mopeds, motor scooters and motorcycles must be wearing a helmet.
Cover is only provided for injuries sustained whilst on the moped, motor scooter, or motorcycle - there is no cover for damage to any two-wheeled vehicles.
If any of the conditions above aren't adhered to, your RACV Travel Insurance policy may not cover you in the case of an accident. International Drivers Permits are available for most countries. Please check the country list for full details and possible exclusions.
Choose from a comprehensive range of RACV Travel Insurance plans
Benefits are subject to the terms and conditions (including the limits, sub-limits and exclusions) of the insurance policy. Royal Automobile Club of Victoria (ABN 44 004 060 833 AR 001243563) is an Authorised Representative of the underwriter Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548). Any advice provided is general in nature only. Please read the Combined Financial Services Guide and Product Disclosure Statement carefully to understand what this policy covers. Words with special meanings.