| Overseas Medical and Hospital Expenses | Unlimited |
|---|---|
| Cancellation and Amendment Fees | Unlimited |
| Luggage and Personal Effects | $15,000 |
| Maximum Age Limit | 110 |
Table updated October 2023
RAC received the following awards in the 2024 Customer Satisfaction Awards:
RAC offers a broad range of cover for risks related to COVID-19. Here's what you can expect:
There are some scenarios that are not covered by RAC including costs if you were diagnosed with COVID-19 before heading on your trip but went anyway.
Based on RAC travel insurance scores in Finder's 2024 Customer Satisfaction Awards.
What do Australians think of RAC travel insurance?
RAC offers five insurance policies to travellers. Comprehensive, Essentials, Medical Only, Annual Multi-Trip, and Domestic.
Comprehensive
Essentials
Medical Only
Annual Multi-Trip
Domestic
The insurer of this product is Tokio Marine & Nichido. It comes with a cooling-off period of 21 days and choice of $250 standard excess for international plans.
These are some of the main insured events that RAC will cover. Some of these benefits may only apply on the Comprehensive International policy.
RAC also offers some add-ons that provide cover for a wider range of risks.
Unfortunately, travel insurance doesn't cover everything. Generally, RAC will not pay your claim if it relates to:
Make sure you review the RAC PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions.
The quickest way to lodge your claim is online. You'll need to register with the email address you used to purchase your policy. Once registered, set up your password and complete your claim details by answering all sections.
Once submitted, your claim will be assessed within 10 working days.
Alternatively, you can call RAC on 1300 209 352 or email RAC at travelinsurance@rac.com.au.
RAC offers strong protection across the board, at a reasonable price point.
In regards to COVID-19, a wide range of scenarios are covered but claims are capped at $3,500 which could leave some travellers out of pocket.
Lots of adventure activities, and even scooter and motorbike riding, are covered as standard, which is good news for many adrenaline-fueled but budget-conscious travellers. However, there's no option to add a specific adventure pack so be sure to check exactly which activities are covered and any requirements attached.
If you're still not sure about RAC Travel Insurance, you can compare other travel insurance companies here.
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Amendment or Cancellation cost: If a close family member got very sick and I decided not to go on trip, would the policy cover this
thank you
Hi Carmel,
Thanks for your question.
Your cancellation will depend on your policy exclusions stated with RAC. If you were aware of any reason, before your period of insurance commenced, that may cause your trip to be cancelled, you may not be covered.
The exact definition of a relative for each travel insurance policy will vary from insurers. Moreover, there are many policies that will cover you for amendment and cancellation costs due to family emergencies.
Please make sure to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statements before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.
I hope this was helpful,
Richard