When Honesty and loyalty is not always considered
If you think that you are dealing with RACV travel, you are not. Tokio Marine &Nichido Fire Insurance will be your insurer.
If, as they display on the letter head "RACV we're there for you" They are not, they will be obstructive.
If you think that you will be treated with respect, You won't .You will get rudeness.
I have an ongoing dispute with this insurer and contacted the Ombusman.
After a contract was in place with RACV in March and premiums paid with cover for pre-existing medical conditions all was well until I had another medical condit...
Great refund from RACV Travel Insurance
Unfortunately, due to heart failure, I was unable to travel to Japan as planned. RACV very kindly refunded out travel insurance because of this, which was greatly appreciated, as we are pensioners..
Great value, wonderful customer service
Rang RACV for travel insurance quote within Australia as we felt quote provided by travel agent was excessive. Delighted to find RACV quote was less than half agent’s quote with better cover. Well done RACV
PROMO CARD PROBLEM
Found the online application tedious. When i came to the end of the process and put in a promo code for 10% discount the process dropped out . After several attempts opted out of getting the discount
- Annual Multi-Trip
- Verified customer
Disappointed with RACV Travel Insurance
We purchased an annual, multi-trip travel insurance policy through RACV and have been members with RACV for almost 25 years.
We recently experienced a flight delay on an overseas trip due to mechanical issues with our aircraft which resulted in us missing a connecting flight to Melbourne. As a result, we had to purchase new tickets for our return flight. We ultimately arrived back in Melbourne 18 hours after our originally scheduled arrival. These things happen….
After stage 2 assessment by Tokio Marine, RACV’s travel insurance underwriter, o...
- Verified customer
Absolutely Disgusting Service
I am a silver member and engaged in RACV travel Insurance including cruise for our family trip of a lifetime. I found out just before my trip I had a tumour on my brain which required urgent major surgery. Of course everything these days are non refundable so this is where your travel insurance steps in but sadly no. I have had nothing but trouble trying to get our money back and treated like I’m a criminal!! Their underwrite company they use do not care even after me giving them all my medical records to prove this what not pre existing. Even after nearly 3 months it’s still ongoing. Absolutely disgusting service, a stress we just don’t need.
With out Doubt the worst Claims experience - Claim now with Australian Financial Complaints Authority
If I used the words Snake oil insurers I think I'm being too generous, I made a claim for just over $1000 , excess $200, policy cost almost $2000. The claim in the first instance was denied because a certain document was "Not a travel document" , yet the PDS actually required that particular document produced internationally , appealed their rejection , RACV came back saying , Yeah we were wrong and you were right , but we have a Whole new excuse to deny your claim and the irony their excuse to deny the claim would have put the insured in a mor...e dangerous position which is an over arching position imposed on all travellers that they take all reasonable precautions to remain safe, Objected to their new excuse on common law grounds , they came back Third reason a clause in their policy that relives them from paying any claims for pretty much any reason , a get out of Jail clause if you will for any claim , which I'm sure they know the courts rarely uphold. So after 5 months and clearly dealing with a claims clerk whose salary and bonus system is based on the value of claims rejected , the entire claim has been referred to Australian Financial Complaints Authority.
I am satisfied
Always very happy with my travel insurance This must be my 12th time Staff are always happy to spend time to make sure that I receive the best price available Much better than other insurance company's Will keep seeking my travel with RACV
Very easily done thank you
Very easy to set up My Wife And I have travelled overseas many times and RACV was simple while others this time were ambiguous . First time used RACV as did not realise till a friend told me
You don't won't to have a claim
have been very slow in processing the claim
huge number of highly detailed and personal questions required to be completed
Read your policy as there is so much wriggle room for the insurer to get out of paying especially if you have travelled with a family group
Not a good customer experience
A 40+ years loyal RACV customer let down at the end of his life
After booking a cruise in January 2019 my 80 year old father contacted RACV to arrange travel insurance. He did this due to his longstanding loyalty to this company who has ultimately let him down. After becoming ill, and it became evident he wouldn’t be able to complete the trip, and it was cancelled. We commenced the process of making a claim on his behalf for the trip cost. In the interim, he passed away, believing that his insurance would have covered this. Our issue is not with the claiming of the money, but that, in denying t...he claim, Tokio Marine have inferred that he withheld information, which he did not. He declared the pre-existing condition that had impacted most on his life, and that he believed would impact on any holiday. He was totally honest and had to pay additional cover. Shame on you RACV and Tokio Marine. He went to his grave believing you were an honest, upstanding company and he would have been horrified to see this outcome.
Outstanding for us Oldies
Unfortunately we cannot renew this after a two year stint. The underwriter is catching up to the others and renewal for old people like me is not possible.
It is certainly good value when travelling a lot.
Suits us exactly
As for earlier occsions, the cover was as needed, the cost was very fair and the policy was easy to set up with a very helpful assistant who was able to answer all my questions.
Quick nothing hidden
Have used R.A.C.V Travel Insurance for over 20 years never had any problems, easy to do over the internet, which is important when living hundreds of K.Ms from an office, no chance of misunderstanding any restrictions or requirements, as could happen over the phone, good value compared to others, very satisfied and highly recommend the product.
We have not used the policy yet and certainly hope not to make any claims
I tried to do it on line and gave up as it was too hard. The person I talked to on the phone was very kind and very helpful.I think the policy was ok but a pity it didn't cover all cancellation expenses and was extra because mu husband had had prostate cancer
Beware extra charges for medical conditions
We have not used policy yet (as it doesn't start until Aug) but Not Happy with extra $270 (for couple) charged due to both taking low dose blood pressure medication
Great service weeribee store
Went to the RACV weeribee store today to change some personal details and seek travel insurance. Greeted by a very friendly and helpful staff member made it a seamless task.Thanks for the great service.
Wonderful value and easy online experience. Such comprehensive insurance policies to offer without being expensive. Excellent Value and so easy to establish. I have used RACV INSURANCE before and trust them always
Should have listened to my friend and got insurance from a different company.
Please make sure you don't purchase TRAVEL INSURANCE from RACV.
It was very easy process to purchase the policy. I had a couple of issues while I was traveling so i decided to make a claim when i return back home. I had applied for the claim but they rejected them and have given me various excuses. If that was the case what is the whole point of getting travel insurance in the first place?
For everyone traveling please make sure you don't get it from RACV because it's not controlled by them, the claim process is assessed by a third party which is the insurance company TOKIO MARINE AND NICHIDO FIRE INSURANCE CO., LTD. . Please make sure to read the whole policy in detail before you buy it.
easy to do
Was easy to follow and very competitive price as we had looked around a fair bit and the one we used before was now so expensive.The young lady who we saw at RACV at Werribee was very helpful
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
|Category||Travel Insurance||Travel Insurance||Travel Insurance||Travel Insurance||Travel Insurance|
|Contact Number||13 13 29||13 13 29||13 13 29||13 13 29||13 13 29|
|24-Hour Phone Contact||No||No||No||No||No|
|Online Live Chat||No||No||No||No||No|
|Underwriter||Tokio Marine & Nichido Fire Insurance||Tokio Marine & Nichido Fire Insurance||Tokio Marine & Nichido Fire Insurance||Tokio Marine & Nichido Fire Insurance||Tokio Marine & Nichido Fire Insurance|
|Maximum Age Covered||110 years old||110 years old||110 years old||110 years old||110 years old|
|Overseas Emergency Assistance||Not Covered||$5,000||Unlimited||Unlimited||$25,000|
|Accidental Death||$25,000||Not Included||$25,000||$25,000||$15,000|
|Emergency Dental||Not Included||$500||Unlimited||Unlimited||$2,000|
|Pregnancy (max weeks)||26 weeks||26 weeks||26 weeks||26 weeks||26 weeks|
|Resumption of Journey||Not Included||Not Included||$5,000||$5,000||$1,500|
|Hospital Cash Allowance||Not Included||$1,500||$6,000||$6,000||$3,500|
|Overseas Emergency Medical & Hospital Expenses||Not Covered||Unlimited||Unlimited||Unlimited||Unlimited|
|Loss of Income||$5,200||Not Included||$10,400||$10,400||$5,200|
|Permanent Disability||$25,000||Not Included||$25,000||$25,000||$15,000|
|Luggage & Personal Effects|
|Theft of Cash||$250||Not Included||$500||$500||$250|
|Delayed Luggage||$500||Not Included||$750||$750||$500|
|Credit Card Fraud||Not Included||Not Included||$5,000 as part of Travel Documents cover||$5,000 as part of Travel Documents cover||$1,500 as part of Travel Documents cover|
|Travel Documents / Passport||Not Included||Not Included||$5,000||$5,000||$1,500|
|Maximum Single Item Limit||$1,500 (Laptops, Cameras or Golf Clubs)||$750 (Laptops, Cameras or Golf Clubs)||$3,000 (Laptops, Cameras or Golf Clubs)||$3,000 (Laptops, Cameras or Golf Clubs)||$1,500 (Laptops, Cameras or Golf Clubs)|
|Luggage & Personal Effects||$7,500||$2,000||$15,000||$15,000||$7,500|
|Rental Vehicle Excess||$5,000||Not Included||$8,000||$8,000||$4,000|
|Motorbike / Moped Coverage||Included for any size||Included for any size||Included for any size||Included for any size||Included for any size|
|Domestic Pet Care||Not Included||Not Included||$650||$650||Not Included|
|Special Activities Packages|
|Cruise||Optional Extra||Optional Extra||Optional Extra||Optional Extra||Optional Extra|
|Snow / Ski||Optional Extra||Optional Extra||Optional Extra||Optional Extra||Optional Extra|
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