Watergardens RACV so glad store has reopened
3rd time using RACV when travelling, policy clearly explained by Mel and matched to our travel plans. Policy cost signifiantly less than what was quoted by our travel agent. Customer focused service
Exceptional Service -could not recommend more highly!
My parents, husband and myself have used RACV Travel insurance before, but have never needed to claim on it. It is very easy to take out and very reasonably priced in comparison with other companies. Unfortunately in this instance my Father passed away 2 weeks before we were due to go on a cruise together. The documentation was very easy to fill out and there was some simple communication to and fro so that they could get the required documents. We were all fully covered and refunded in a very timely manner.
Great service in Warragul - than you!
Thank you for your professional, friendly service - much appreciated.
I haven’t travelled as yet but am confident that my insurance needs are well-met. Thank you to the staff in regional Warragul.
Very simple and fast
Good price for the policy and very very easy to fill out the pre existing medical conditions and we were very happy with the price as we also got Racv member discount.(online the price was shown instantly so no waiting for it) -haven’t had a claim and hope not to ever need to, so can’t comment on that . I do have trust in RACV so happy to insure with them.
- Total Travel Care
- Verified customer
Extremely Disappointed - be wary of RACV Travel Insurance because insurance is through Tokio Marine - woeful!
I would not recommend this policy. On this trip I decided to change to RACV after using Travel Insurance Direct on other occasions due to a review rating by Choice.
Our flight was delayed due to technical issues and I missed a tour and transfers which I have been informed is not covered by RACV.
If I had stayed with TID this travel delay claim would have been paid -
This is what TID cover for Travel Delay
Cover if your pre-paid scheduled transport is delayed, rescheduled or cancelled for reasons outside your control (including the airline delaying your flight for mechanical reasons) for reasonable additional meals and accommodation; and your unusable pre-paid travel arrangements.
Great , until you need it
Had to cancel fully insured trip to England due to the death of my mother .Same experience as Sannordav , 8 months later offered $550 , too exhausted by the process to take it further , to top it off got a flat tyre during this process, said they couldnt change it as we were on a main road
Holier than thow?
Good premium value provided I "self-insure" for a condition not recognised by the Underwriter.
Used RACV (not the current Underwriter) at least 6 times over the last 50 years of membership.
Refused claim for damaged laptop
My laptop was damaged during a cruise. I have no idea how. They refused to pay given the laptop left my possession, being when I had to give my luggage to the cruise ship staff upon boarding. No choice but to do this, but that's what they used to get out of paying my claim. After making me get a non refundable quote of $95 for assessing the damage.
Be way of RACV Travel Insurance because insurance is through Tokio Marine - woeful!
I have insured through RACV in the past & did so again because I am a Club Member & was offered a discount. However, unfortunately, this time I had to make a claim. Easy to buy the insurance with one click but placing a claim & having it paid is a totally different issue. I travelled overseas Business Class & was 8 days into a walking holiday in Northern Italy, with further accommodation paid for a week of solo travel. On 31 August I received an early morning phone call to say my second daughter had suffered a severe stroke, was in ICU, about t...o be operated on to relieve pressure on the brain. The airline was fantastic - I was home in 22 hours. Despite two letters from ICU &, subsequently the rehab hospital, Tokio Marine are demanding an admission report. The matter is under Level 1 review (which takes it to Christmas) - it is a disgrace as there is so much family stress & I am unsure as to whether the claim will be settled. I will never take out any insurance, travel or otherwise, through RACV again & am also considering whether to renew my Club membership.
- Annual Multi-Trip
- Verified customer
Realistic Cost and Prompt Service
We (male 67 female 57) were directed to RACV Travel Insurance through the positive review it received from Choice Magazine.
We required cover to cover multiple cycling rides we were doing overseas and cover for several prexisting medical conditions.
The online assessment tool was comprehensive but straight forward to use. It allowed for details of pre existing medical conditions to be added and assessed.
The policy price was realistic and favourable given we were taking a multi trip annual policy allowing journeys up to 45 days.
- Total Travel Care
- Verified customer
So very disappointing
Whilst the policy was easy to set up, getting the claim paid properly is very difficult. We had Total Travel Care through RACV / TKM Insurance cover for an overseas trip lasting 5 weeks. At the end of week 3 my partner's luggage was stolen while we were waiting at a coach station for a coach that never turned up.
If you use this company make sure you have receipts for everything you pack ...including your pj's, t-shirts, socks, jocks etc. because they will only pay on what you can prove you bought, but don't expect replacement value. Two m...onths down the track and we have got nothing for the large additional expenses cause by the cancellation. You need to read the fine print for this one, not just that highlighted headings because short of an earth quake, riot or flood, they will tell you, you are not covered.
Sold an invalid travel insurance policy
I am a gold RACV member and recently paid for a top level travel insurance policy in the local RACV store for my daughter travelling overseas on a school trip. A few days later, I called the RACV insurance hotline to confirm aspects of the policy only to be told it was invalid due to the fact that home stay accommodation constituted part of her trip. I was not informed of this whilst taking out and paying for the policy. Absolutely shameful that the RACV sells invalid policies to unsuspecting loyal customers. Never again.
Sorted out to everyone's satisfaction
I wanted travel insurance for 3 weeks to Kenya. I am visiting my mother and sister and basically will spend 3 weeks in one place in the countryside. The original quote was too high and the consultant found a better compromise.
- Travel Care
- Verified customer
Easy to acquire but may get marketing stuff afterwards
Purchased travel insurance online for a couple (one a member of RACV) to go to SE Asia in August. Cost was $206.83 with a membership discount.
The insurer was actually Tokio Marine & Nichido Fire Insurance Co., Ltd.
I did not need it but could have.
However on return RACV send me a card for some kind of discount buying - did not want this - not a member - bit of marketing add on going on here.
It's very poor service.
I have the biggest product before my holiday started. I have called them from airport i have stacked to ask them advise but they told me do what you think is better for you. Now they declined my claims. Ask to many docoment that I can't go back to my holiday destination to ask them. Take long time to review you claim and end of the day they try to decline the case and not pay. I don't recommend them at all.
The reviewer stated that an incentive was offered for this review
Car hire insurace rip off
Hire car insurance changed and doesnt cover multiple items eg windscreen, tyres & roof. Biggest rip off ever & a waste of time. This is not insuracne its revenue for no service.
Too hard and expensive to extend policy when holiday was extended
The initial set up was all easy and a good experience. But when we extended our trip we were advised this couldn't be done online or via email, only via phone. Very inconvenient when overseas with expensive phone calls and in different timezones. Also the price quoted to me in the email from RACV for extending for 10 days was more expensive than starting a new policy with a different provider. Not much incentive for using RACV - too hard and too expensive!
My advice, proceed with caution
While it was easy to set up and was good value, after waiting in excess of 13 weeks for a straightforward claim to be addressed, I would not recommend this company to anyone. I am extremely disappointed with the poor customer service and continual push back and excuses that I have received from the claims handler, and it wasn't until I complained to customer service that I began to receive any sort of satisfactory response. I have been told my claim is in the final stages of settlement now and was to receive my settlement letter last Friday set...ting out the details of the benefit. Strangely, that did not arrive and neither did a response to my email today inquiring about it. There are plenty of other reputable companies out there offering a good service to travellers and I will be using them next trip. I only used RACV because my car and roadside assistance is with them, thankfully that side of the company is a lot more pleasant and efficient than the travel dept.
Thank you everyone who took time to write your experiences to help others
I was about to buy RACV international travel insurance (really about to click to buy it) and thought I should check some reviews. I think you have all saved me lots of pain if I need to make a claim, and made me think about cheaper isnt better! Thanks everyone, I'm going elsewhere!
Insurance for goods prepaid but failure to supply. i.e. airfares, accommodation and transfers etc.
We were unaware of the lack of insurance cover or that no cover would be provided for any payments made prior to traveling, to a Travel agency for airfare, accommodation or transfers not provided when overseas
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Questions & Answers
Does the total travel care policy cover repatriation. As we have been informed that we may not be allowed off the boat in New Caledonia if we do not hold international travel insurance that covers medical costs and repatriation. We have taken this policy out and now are thinking its not the right one.
Racv will tell you to read their PDS ( product disclosure statement ) unfortunately I was ignorant of this and realised after reading their PDS it is heavily loaded in RACV’s favour.
RACV Care T.RACV
Thanks for getting in contact regarding the coverage of your Travel Insurance Policy.
RACV is pleased to advise that we cover for Overseas Medical, Hospital, Cash in Hospital, Dental and Related Expenses. Our medical cover also assists you to find treatment and if necessary, medical evacuation and/or repatriation.
If you are hospitalised, you, or a member of your travelling party, must contact Us as soon as possible. The team is available 24 hours a day, 7 days a week. If you are not hospitalised but are being treated as an outpatient and the total cost of any treatment exceeds $2,000, you must contact us as soon as possible as we will not
pay for any expenses that have not been approved by us.
If you have an overseas emergency, contact our assistance team immediately, 24 hours a day, 7 days a week on
(02) 8055 1699. For more information please refer to Page 2 and 19 via this link: https://www.racv.com.au/content/dam/racv/documents/insurance/racv-travel-insurance/travel-insurance-fsg-pds.pdf.
Hope that helps.
Social Media Consultant
RACV make denials of claim up, Id suggest that you read a number of the one star responses , I have seen them deny travel delay claim because "Mechanical failure " is not covered , total rubbish , Ive seen a travel inconvenience claim denied because the traveller had their drivers Lisc stolen and the car hire company would not allow the car to be hired that with out a Drivers Lisc , claiming a drivers Lisc is not a required document - Just Rubbish
How do I buy full health insurance?
Hi Xian, RACV do not currently provide health insurance. If you are referring to coverage for overseas medical and hospital cover you can find out more and obtain a quote here: https://bit.ly/2JhvJav
Hi, I’m a student doing an assessment for Commerce and I would like to know what RACV covers and at what prices. I’m 'going' on a safari trip in Africa (Morocco) for 9 days. What insurance would be available and at what price?
Hi Dominique, Thank you for getting in contact regarding a quote on Travel Insurance for your upcoming trip to Africa (Morocco). We are unable to complete this via a Product Review as during the quote process you will be asked a number of questions that are specific to your insurance requirements. It’s important that these questions are answered correctly so that the product being offered meets your identified requirements. Please call us on 13 13 29 from 9am to 6pm or you can visit any RACV Shop. Kind regards, Janice
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