| 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
RACT 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 RACT including costs if you were diagnosed with COVID-19 before heading on your trip but went anyway.
RACT offers seven insurance policies to travellers. Comprehensive, Essentials, Saver, Annual Multi-Trip, Domestic, Domestic Cancellation & Rental Car Excess.
Comprehensive
Essentials
Saver
Annual Multi-Trip
Domestic
Domestic Cancellation
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.
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.
RACT also offers some add-ons that provide cover for a wider range of risks.
Unfortunately, travel insurance doesn't cover everything. Generally, RACT will not pay your claim if it relates to:
Make sure you review the RACT 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 RACT on 1300 406 752 or 02 8055 1673.
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.
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