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RACV Total Travel Care review

Single trip international travel insurance. Tokio Marine insurance provider.

Policy type
Single trip
Insurance provider View more details.

This is the provider of the insurance product and correlates with the Financial Services Provider (FSP) as registered with the Australian Financial Complaints Authority. You can look up your insurer's provider in the AFCA comparative tables to see how likely consumers were to bring a travel insurance dispute to AFCA about them.

Tokio Marine
Policy age limit View more details.

In years (up to and including given number).

Unlimited
Medical expenses View more details.

Limit per person for medical and emergency evacuation and repatriation expenses for illness or injury.
No means 'not covered'. Cover is assessed on individual circumstance.

Unlimited
Expenses for a person to accompany a sick policy holder View more details.

Cover for expenses for an accompanying person such as a member of the travelling party, a friend or a close relative (not necessarily listed as insured on the certificate of insurance) to travel to the sick policy holder overseas, remain with them in hospital and accompany them home during an emergency repatriation.
No means 'not covered'. Cover is assessed on individual circumstance.

Unlimited
Additional travel expenses for injury or sickness View more details.

Limit per person for additional accommodation and travel expenses if the policy holder cannot travel due to injury or sickness.
No means 'not covered'. Cover is assessed on individual circumstance.

Unlimited
Daily hospital cash allowance View more details.

Daily hospital cash allowance per person.
No means 'not covered'. Cover is assessed on individual circumstance.

50
Hours of hospitalisation before you receive the daily hospital cash allowance View more details.

Minimum number of hours the insured must be continuously hospitalised before receiving the hospital cash allowance.
No means 'not covered'.

48
Dental expenses for accident or injury View more details.

Limit for dental per person as a result of an accident.
No means 'not covered'. Cover is assessed on individual circumstances.

Unlimited
Dental expenses acute pain View more details.

Limit for dental per person as a result of sudden and acute pain.
No means 'not covered'. Cover is assessed on individual circumstances.

500
Overseas funeral costs View more details.

Limit for overseas funeral costs and the return of mortal remains per deceased person, in the event of the death of the policy holder. May be a separate limit for 'return of mortal remains' and 'overseas funeral costs', check the policy terms for more details.
No means 'not covered'. Cover is assessed on individual circumstances.

20000
Medical expenses for terrorism View more details.

Cover per person or exclusion for medical and emergency evacuation and repatriation expenses for claims arising directly or indirectly from any event (not limited solely to hijack) that is declared an act of terrorism by the relevant government.
No means 'not covered'. Cover is assessed on individual circumstance.

Yes
Medical expenses for hijack View more details.

Cover per person or exclusion for medical and emergency evacuation and repatriation expenses for claims arising directly or indirectly from hijack.
No means 'not covered'. Cover is assessed on individual circumstance.

Yes
Medical expenses for civil unrest View more details.

Cover per person or exclusion for medical and emergency evacuation and repatriation expenses for claims arising directly or indirectly from Civil Unrest such as Political Protests, Riot and Strike.
No means 'not covered'. Cover is assessed on individual circumstance.

Yes
Medical expenses for military action View more details.

Cover per person or exclusion for medical and emergency evacuation and repatriation expenses for claims arising directly or indirectly from Military Action such as Insurrection, Act of War and Martial Law.
No means 'not covered'. Cover is assessed on individual circumstance.

No
Medical expenses for pandemic View more details.

Cover per person or exclusion for medical and emergency evacuation and repatriation expenses for claims arising directly or indirectly from a pandemic or epidemic.
No means 'not covered'. Cover is assessed on individual circumstance.

Yes
Medical expenses for natural disaster View more details.

Cover per person or exclusion for medical and emergency evacuation and repatriation expenses for claims arising directly or indirectly from a natural disaster.
No means 'not covered'. Cover is assessed on individual circumstance.

Yes
Medical expenses for mental health View more details.

Cover per person or exclusion for medical and emergency evacuation and repatriation expenses for claims arising directly or indirectly from recognised mental health disorders experienced for the first time such as depression, anxiety, schizophrenia, bipolar disorder or PTSD.
No means 'not covered'. Cover is assessed on individual circumstance.

Yes
Cancellation covered View more details.

Cover for cancellation or amendment expenses.
No means 'not covered'. Cover is assessed on individual circumstances.

Yes
Cancellation expenses View more details.

Limit per person for cancellation or amendment expenses.
No means 'not covered'. Cover is assessed on individual circumstances.

Unlimited
Cancellation for frequent flyer points View more details.

Limit per person for cancellation expenses for transportation purchased using frequent flyer points.
No means 'not covered'. Cover is assessed on individual circumstances.

Unlimited
Cancellation expenses for travel agent fees View more details.

Limit per person for travel agents cancellation fees.
No means 'not covered'. Cover is assessed on individual circumstances.

4000
Cancellation expenses for terrorism View more details.

Cover per person or exclusion for cancellation expenses for claims arising directly or indirectly from any event (not limited solely to hijack) that is declared an act of terrorism by the relevant government.
No means 'Not covered'. Cover is assessed on individual circumstances.

No
Cancellation expenses for hijack View more details.

Cover per person or exclusion for cancellation expenses for claims arising directly or indirectly from hijack.
No means 'not covered'. Cover is assessed on individual circumstances.

Yes
Cancellation expenses for civil unrest View more details.

Cover per person or exclusion for cancellation expenses for claims arising directly or indirectly from Civil Unrest such as Political Protests, Riot and Strike.
No means 'not covered'. Cover is assessed on individual circumstances.

Yes
Cancellation expenses for military action View more details.

Cover per person or exclusion for cancellation expenses for claims arising directly or indirectly from Military Action such as Insurrection, Act of War and Martial Law.
No means 'not covered'. Cover is assessed on individual circumstances.

No
Cancellation expenses for pandemic View more details.

Cover per person or exclusion for cancellation expenses for claims arising directly or indirectly from a pandemic or epidemic.
No means 'not covered'. Cover is assessed on individual circumstances.

Yes
Cancellation expenses for natural disaster View more details.

Cover per person or exclusion for cancellation expenses for claims arising directly or indirectly from a natural disaster.
No means 'not covered'. Cover is assessed on individual circumstances.

Yes
Cancellation expenses for mental health View more details.

Cover per person or exclusion for cancellation expenses for claims arising directly from recognised mental health disorders experienced for the first time such as depression, anxiety, schizophrenia, bipolar disorder or PTSD.
No means 'not covered'. Cover is assessed on individual circumstances.

Yes
Cancellation expenses for redundancy View more details.

Cover per person or exclusion for cancellation expenses due to unexpected/involuntary retrenchment.
No means 'not covered'. Cover is assessed on individual circumstances.

Yes
Cancellation expenses for defence and emergency workers View more details.

Cover per person or exclusion for cancellation expenses due to cancellation of pre-arranged leave from work for members of Defence Force, Federal, State or Territory Emergency Services.
No means 'not covered'. Cover is assessed on individual circumstances.

1000
Cancellation expenses for cancellation of leave covered View more details.

Cover per person or exclusion for cancellation expenses due to cancellation of pre-arranged leave from work for non-emergency services occupations.
No means 'not covered'. Cover is assessed on individual circumstances.

No
Cancellation expenses for transport cancellation and delay View more details.

Cover per person or exclusion for cancellation expenses due to Transport provider caused cancellation, delay or re-scheduling.
No means 'not covered'. Cover is assessed on individual circumstances.

No
Cancellation expenses for transport cancellation and delay caused by strikes View more details.

Cover per person or exclusion for cancellation expenses due to Transport provider caused cancellation, delay or re-scheduling caused by strikes.
No means 'not covered'. Cover is assessed on individual circumstances.

Yes
Cancellation for insolvency of a travel services provider View more details.

Limit per person for losses arising out of insolvency of a travel services provider (eg airline, accomodation provider, bus line, shipping line, railway company, motor vehicle rental agency).
No means 'not covered'. Cover is assessed on individual circumstances.

10000
Cancellation for insolvency of a travel agent View more details.

Limit per person for cancellation expenses due to insolvency of a travel agent.
No means 'not covered'. Cover is assessed on individual circumstances.

No
Additional expenses for interrupted travel View more details.

The limit for additional travel expenses per person if travel is interrupted by an insured event (not including injury or sickness as that is covered separately under 'Additional travel expenses for injury or sickness').
No means 'not covered'. Cover is assessed on individual circumstances.

Unlimited
Travel insurance extension for delayed trip View more details.

Automatic extension of travellers cover if their journey has to be extended due to unforseen circumstances.
No means 'Not covered'. Cover is assessed on individual circumstances.

Yes
Additional expenses for pets boarding kennel View more details.

Limit for additional travel expenses for kennel and cattery services in Australia as a result of not being able to return from overseas as planned.
No means 'Not covered'. Cover is assessed on individual circumstances.

Yes
Additional expenses for terrorism View more details.

Cover for additional travel expenses per person if travel is interrupted due to claims arising directly or indirectly from any event (not limited solely to hijack) that is declared an act of terrorism by the relevant government.
No means 'Not covered'. Cover is assessed on individual circumstances.

Yes
Additional expenses for civil unrest View more details.

Cover for additional travel expenses per person if travel is interrupted due to claims arising directly or indirectly from Civil Unrest such as Political Protests, Riot and Strike. No means 'not covered'. Cover is assessed on individual circumstances.

Yes
Additional expenses for military action View more details.

Cover for additional travel expenses per person if travel is interrupted due to claims arising directly or indirectly from Military Action such as Insurrection, Act of War and Martial Law.
No means 'not covered'. Cover is assessed on individual circumstances.

No
Additional expenses for pandemic View more details.

Cover for additional travel expenses per person if travel is interrupted due to claims arising directly or indirectly from a pandemic or epidemic.
No means 'Not covered'. Cover is assessed on individual circumstances.

Yes
Additional expenses for natural disaster View more details.

Cover for additional travel expenses per person if travel is interrupted due to claims arising directly or indirectly from a natural disaster.
No means 'Not covered'. Cover is assessed on individual circumstances.

Yes
Additional expenses for mental health View more details.

Cover per person or exclusion for additional expenses for claims arising directly from recognised mental health disorders experienced for the first time such as depression, anxiety, schizophrenia, bipolar disorder or PTSD.
No means 'not covered'. Cover is assessed on individual circumstances.

Yes
Additional expenses for lost passport View more details.

Cover for additional travel expenses per person if travel is interrupted due to lost or stolen passport or travel documents.
No means 'Not covered'. Cover is assessed on individual circumstances.

Yes
Additional expenses for breaking quarantine rules View more details.

Cover for additional travel expenses per person if travel is interrupted due to unknowingly breaking any quarantine rule.
No means 'Not covered'. Cover is assessed on individual circumstances.

Yes
Additional expenses for transport accident View more details.

Cover for additional travel expenses per person if travel is interrupted due to a collision of motor vehicle, watercraft, aircraft or train in which the policy holder is travelling.
No means 'Not covered'. Cover is assessed on individual circumstances.

Yes
Additional expenses for transport cancellation and delay View more details.

Cover for additional travel expenses per person if travel is interrupted due to Transport provider caused cancellation, delay or re-scheduling.
No means 'not covered'. Cover is assessed on individual circumstances.

Yes
Additional expenses for sick relative View more details.

Limit for additional accommodation and travel expenses if the policy holder needs to curtail travel because of serious illness or injury of a relative at home.
No means 'Not covered'. May be subject to assessment of pre-existing condition for the relative.

5000
Additional expenses for resumption of journey interrupted for a relative View more details.

Limit per person for resumption of a journey interrupted due to the serious illness, injury or death of a relative.
No means 'Not covered'. May be subject to assessment of pre-existing condition for the relative. Check the policy terms for more details.

5000
Additional expenses for special event View more details.

Limit per person for additional travel expenses to reach a special event such as a wedding, conference or sporting event on time if the scheduled transport is cancelled or delayed.
No means 'not covered'. Cover is assessed on individual circumstances.

No
Additional expenses for pre-paid travel arrangements View more details.

Limit per person for additional travel expenses to reach pre-paid travel arrangements on time if the scheduled transport is cancelled or delayed.
No means 'not covered'. Cover is assessed on individual circumstances.

Yes
Additional expenses for special event interrupted by terrorism View more details.

Cover for additional travel expenses to reach a special event such as a wedding, conference or sporting event on time if travel is interrupted due to claims arising directly or indirectly from any event (not limited solely to hijack) that is declared an act of terrorism by the relevant government.
No means 'Not covered'. Cover is assessed on individual circumstances.

Yes
Additional expenses for special event interrupted by pandemic View more details.

Cover for additional travel expenses to reach a special event such as a wedding, conference or sporting event on time if travel is interrupted due to a pandemic or epidemic.
No means 'Not covered'. Cover is assessed on individual circumstances.

Yes
Additional expenses for special event interrupted by natural disaster View more details.

Cover for additional travel expenses to reach a special event such as a wedding, conference or sporting event on time if travel is interrupted due to natural disaster.
No means 'Not covered'. Cover is assessed on individual circumstances.

Yes
Additional expenses for special event interrupted by transport cancellation and delay View more details.

Cover for additional travel expenses to reach a special event such as a wedding, conference or sporting event on time if travel is interrupted due to Transport provider caused cancellation, delay or re-scheduling.
No means 'not covered'. Cover is assessed on individual circumstances.

Yes
Travel delay expenses View more details.

Limit per person for additional meal and accommodation expenses if scheduled transport is delayed.
No means 'not covered'. Cover is assessed on individual circumstances.

3000
Hours before travel delay covered View more details.

The minimum number of hours before transport delay is covered.
No means 'not covered'. Cover is assessed on individual circumstances.

6
Limit per 24 hours for travel delay View more details.

Limit per person per 24 hour period for this transport delay.
No means 'not covered'. Cover is assessed on individual circumstances.

500
Travel delay expenses for terrorism View more details.

Cover for travel delay expenses due to claims arising directly or indirectly from any event (not limited solely to hijack) that is declared an act of terrorism by the relevant government.
No means 'Not covered'. Cover is assessed on individual circumstances.

Yes
Travel delay expenses for pandemic View more details.

Cover for travel delay expenses due to claims arising directly or indirectly from a pandemic or epidemic.
No means 'Not covered'. Cover is assessed on individual circumstances.

Yes
Travel delay expenses for natural disaster View more details.

Cover for travel delay expenses due to claims arising directly or indirectly from a natural disaster.
No means 'Not covered'. Cover is assessed on individual circumstances.

Yes
Travel delay expenses for transport cancellation and delay View more details.

Cover for travel delay expenses due to transport provider caused cancellation, delay or re-scheduling.
No means 'not covered'.  Cover is assessed on individual circumstances.

Yes
Baggage expenses View more details.

The overall limit per person for stolen or damaged personal belongings.
No means 'not covered'. Cover is assessed on individual circumstances.

15000
Single unspecified item View more details.

Limit for a single unspecified item.
No means 'not covered'. Cover is assessed on individual circumstances.

1000
Video or photo camera View more details.

Limit per item for a video or photo camera.
No means 'not covered'. Cover is assessed on individual circumstances.

3000
Laptop or tablet View more details.

Limit for a laptop or tablet.
No means 'not covered'. Cover is assessed on individual circumstances.

3000
Smartphone View more details.

Limit for a smartphone.
No means 'not covered'. Cover is assessed on individual circumstances.

1000
Prescribed medications View more details.

Limit for a prescribed medications.
No means 'Not covered'. Cover is assessed on individual circumstances.

1000
Overall limit for specified items View more details.

Overall limit for specified items, available for an extra premium.
No means 'Not covered'. Cover is assessed on individual circumstances.

No
Per item limit for specified items View more details.

Item limit for specified items, available for an extra premium.
No means 'Not covered'. Cover is assessed on individual circumstances.

No
Cover for Cash View more details.

Cover limit per person for lost or stolen cash.
No means 'Not covered'. Cover is assessed on individual circumstances.

500
Limit for baggage lost temporarily View more details.

Overall limit for a single person for baggage lost temporarily.
No means 'Not covered'. Cover is assessed on individual circumstances.

750
Family limit for baggage lost temporarily View more details.

Overall limit for a family for baggage lost temporarily.
No means 'Not covered'. Cover is assessed on individual circumstances.

1500
Hours before cover applies for baggage lost temporarily View more details.

The minimum period of time in hours before which cover applies for temporarily lost baggage.
No means 'Not covered'. Cover is assessed on individual circumstances.

10
Cover for cash in hotel room View more details.

Cash covered if stolen from the locked safe of an unoccupied, locked hotel room.
No means 'Not covered'. Cover is assessed on individual circumstances.

Yes
Cover baggage in a car during the day View more details.

Cover for belongings locked in a luggage compartment of a car out of sight during the day.
No means 'Not covered'. Cover is assessed on individual circumstances.

Unlimited
Cover baggage in a car overnight View more details.

Cover for belongings locked in a luggage compartment of a car out of sight overnight.
No means 'Not covered'. Cover is assessed on individual circumstances.

No
Cover valuables in a car View more details.

Cover for valuables such as laptops, tablets, mobile phones, jewellery or cameras locked in the luggage compartment of a car.
No means 'Not covered'. Cover is assessed on individual circumstances.

No
Cover for valuables in check-in luggage View more details.

Cover for valuables such as laptops, tablets, mobile phones, jewellery or cameras stored in check-in luggage on an airline, train or bus.
No means 'Not covered'. Cover is assessed on individual circumstances.

No
Cover for valuables left in public place View more details.

Cover for personal items left behind in taxis, trains, planes or hotel rooms after check-out.
No means 'Not covered'. Cover is assessed on individual circumstances.

No
Cover for valuables left in locked accommodation View more details.

Cover for personal items left in locked, checked-in but temporarily unoccupied accommodation.
No means 'Not covered'. Cover is assessed on individual circumstances.

Yes
Rental car excess View more details.

Cover collision damage excess for a hire car.
No means 'Not covered'. Cover is assessed on individual circumstances.

Yes
Limit for rental car excess View more details.

Limit for collision damage excess for a hire car.
No means 'Not covered'. Cover is assessed on individual circumstances.

8000

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