RACT Travel Insurance

Our verdict: RACT Travel Insurance has high limits and broad cover, with solid protection against COVID-19, financial default, and legal liability.

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Nicola Middlemiss

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RACT

Pros

  • RACT offers up to $10,000 protection against financial default, which is one of the rarer benefits within travel insurance.
  • A broad range of risks related to COVID-19 are covered, with the RACT among the most comprehensive in the market.

Cons

  • Although RACT's COVID-19 cover is broad, it's capped at $3,500 which could leave some travellers out of pocket.
  • Pregnancy is not covered after the 25th week and multiple pregnancies require a medical evaluation at any stage.
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Summary of RACT International Comprehensive policy

Overseas Medical and Hospital ExpensesUnlimited
Cancellation and Amendment FeesUnlimited
Luggage and Personal Effects$15,000
Maximum Age Limit110

Table updated October 2023

How does RACT Travel Insurance cover COVID-19?

RACT offers a broad range of cover for risks related to COVID-19. Here's what you can expect:

  • Overseas medical, hospital, and emergency expenses if you contract COVID-19.
  • Cancellation fees and lost deposits if you have to cancel or cut short your trip due to a COVID-19 related event outside of your control.
  • Cancellation fees and lost deposits if you or a travelling companion are diagnosed with COVID-19 and you have to cancel or rearrange your trip
  • Relevant costs if a close relative or business partner is hospitalised or dies due to COVID-19 and you have to cancel, reschedule or return home early.
  • Relevant costs if you are permanently employed as a healthcare worker and your pre-approved leave is cancelled due to COVID-19.
  • Relevant costs if a pre-paid tour is cancelled due to your tour guide contracting COVID-19
  • Relevant costs if you're not permitted to board scheduled public transport due to you being suspected of having COVID-19
  • Relevant costs if your accommodation is closed due to an outbreak of COVID-19 or necessary cleaning due to COVID-19
  • Childcare costs if you're unable to take care of your dependant children due to contracting COVID-19 on your trip.
  • Pet care costs if you're unable to return home on your scheduled date due to contracting COVID-19 on your trip.
  • Transport of your remains or funeral costs if you die as a result of COVID-19 during your trip.

There are some scenarios that are not covered by RACT including costs if you were diagnosed with COVID-19 before heading on your trip but went anyway.

What policies does RACT offer?

RACT offers seven insurance policies to travellers. Comprehensive, Essentials, Saver, Annual Multi-Trip, Domestic, Domestic Cancellation & Rental Car Excess.

Travel plane luggage passport

Comprehensive

Passport

Essentials

Luggage

Saver

Hiking

Annual Multi-Trip

Australian Map Icon

Domestic

Map

Domestic Cancellation

car insurance

Rental Car Excess

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.

Here's a breakdown of RACT Travel Insurance features

Standard features
Optional add-ons
Exclusions

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Standard features

These are some of the main insured events that RACT will cover. Some of these benefits may only be available on the Comprehensive International policy.

  • Overseas medical treatment
  • Lost, damaged or stolen property
  • Trip cancellation or amendment
  • Additional accommodation and transport
  • Rental vehicle excess
  • Theft of money
  • Luggage and travel delay
  • Emergency dental costs
  • Kidnap and hijack
  • Personal liability
  • Permanent disability
  • Accidental death

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Optional add-ons

RACT also offers some add-ons that provide cover for a wider range of risks.

  • Ski and Winter Sports Cover.Extend your policy to include snow spots and get protection for specific risks such as piste closure, lost lift pass, or avalanche. .
  • Cruise Cover Extends your insurance policy to cover cruises.

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Exclusions

Unfortunately, travel insurance doesn't cover everything. Generally, RACT will not pay your claim if it relates to:

  • Unlawful, wreckless or unreasonably unsafe behaviour by you
  • Behaviour while you were drunk or under the influence of drugs
  • Expenses related to a pre-existing medical condition not listed on your policy
  • An act of war, invasion or revolution
  • An act of war, invasion or revolution
  • You being unfit to travel or travelling against medical advice
  • Childbirth or pregnancy complications after the 25th week of gestation
  • A multiple pregnancy without a medical assesment
  • An elective medical or dental treatment, cosmetic procedure or body modification (including tattoos or piercing)
  • Self-inflicted injury or illness, suicide or attempted suicide

Make sure you review the RACT PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions.

How to make an RACT Travel Insurance claim

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 RACT on 1300 406 752 or 02 8055 1673.

Here's the bottom line about RACT Travel Insurance

RACT offers strong protection across the board, with a rare benefit for financial default, extremely high $10 million limit for personal liability, and cover for 38 medical conditions.

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. 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 RACT, you can compare other travel insurance companies here.

Frequently asked questions

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Senior writer

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio

Nicola's expertise
Nicola has written 241 Finder guides across topics including:
  • Personal finance
  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance
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