Are you an RAC member? Save on travel cover with RAC Travel Insurance deals
Originally an association for motoring enthusiasts, the Royal Automotive Club (RAC) now provides a range of automotive services, courses and policies, including discounted travel insurance plans for its members.
Whether you’re travelling around Australia or to an exotic destination far away from home, it’s important to protect yourself and your travelling party with a good travel insurance policy. In the case of a medical emergency or theft of property while on holidays, you can claim for expenses or losses incurred.
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After the store tab opens, come back to copy the codeWhat policies are available from RAC Travel Insurance ?
International comprehensive
The most comprehensive policy available from RAC Travel insurance provides cover for:
- Unlimited overseas medical expenses
- Unlimited additional expenses
- Unlimited cancellation or amendment costs
- Luggage and personal effects
- Travel documents
- Delayed luggage
- Rental vehicle excess
- Travel delay
- Resuming a journey
- Special events
- Hospital incidentals
- Loss of income
- Accidental death and disability
- Personal liability up to $2.5 million
International Essentials
This policy provides the necessary cover for overseas travel with lower maximum payouts and personal liability. You are covered for:
- Unlimited overseas medical expenses
- Unlimited additional expenses
- Unlimited cancellation or amendment costs
- Luggage and personal effects
- Travel documents
- Delayed luggage
- Rental vehicle excess
- Hospital incidentals
- Accidental death
- Personal liability up to $1 million
International Medical-Only
- Unlimited overseas medical expenses
- Unlimited additional expenses
- Hospital cash
- Overseas dental
- Luggage
- Legal liability
Domestic
This policy provides no cover for medical emergencies. All claims related to medical and dental expenses must be filed with your private health insurance.
- Additional expenses
- Unlimited cancellation costs
- Rental vehicle excess
- Travel delay
- Accidental death
- Personal liability
Annual Multi-trip
Ideal for frequent travelling, this policy covers an unlimited number of journeys within the period of insurance. You will be asked to choose your area of travel for the insurance period.
- Unlimited additional expenses
- Unlimited overseas medical expenses
- Unlimited cancellation or amendment costs
- Luggage and personal effects
- Travel documents
- Delayed luggage
- Rental vehicle excess
- Travel delay
- Resuming a journey
- Special events
- Hospital incidentals
- Loss of income
- Accidental death and disability
- Personal liability up to $2.5 million
Pros and Cons of RAC Travel Insurance
Pros
- Varied policies for local, international and frequent travelling
- Online quotes
- Purchase policies online
- Single-benefit policy for rental vehicle excess
- 24/7 emergency support
- Trip on International plans can be resumed
- Policies can be extended
Cons
- Some pre-existing medical conditions not covered
- Not all sporting activities automatically covered
- No option to resume an interrupted journey on the Domestic plan
How do I make a claim with RAC Travel Insurance?
1. Give immediate notice. Get in touch with the insurer as soon as possible to report the incident and file a claim. You can download the claims form from the RAC website or submit your claim online on the Travel Insurance Partners website. Penalties may be levied against you if you wait too long and deliberately delay the process.
2. Supply all necessary documentation. Besides your Claims form and Certificate of Insurance, you will also need to produce police reports, medical reports, receipts and proof of ownership.
3. Duty of disclosure. Your travel insurance policy will be granted or refused based on the information you provide. It’s important to be as honest and complete as possible in answering questions. If your information is found to be false or incomplete, any claims will be rejected and your policy may be cancelled.
RAC Travel Insurance FAQ
Q. Why is travel insurance so important?
- A. If something goes wrong before or during your holiday, you are liable for thousands of dollars in medical bills, transportation costs and replacing valuable items. With travel insurance in place, the costs incurred in these cases would be covered by the terms of your contract.
Q. How is my premium calculated?
- A. The amount you pay is based on your destination, the number of people insured on the policy, the plan you choose and personal factors. The amount also includes government taxes and fees for changes you make to the terms of your policy.
Q. Which domestic options are available?
- A. You can choose between three options: full domestic cover, a plan covering rental vehicle excess or a domestic cancellation plan. Rental vehicle excess and cancellation are automatically covered under the international policies.
Q. Which additional options are available?
- A. Policies can be upgraded with additional cover, including increasing your excess to lower your premium. Optional extras can be bought to insure electronic equipment, riding a moped or motorcycle and snow sports.
Q. What about pre-existing medical conditions?
- A. Not all pre-existing medical conditions are automatically covered, so be sure to read the product disclosure statement (PDS). If your condition isn’t covered, you can apply for additional insurance, subject to the insurer’s approval.
Q. Who underwrites RAC Travel Insurance?
- A. RAC travel insurance is underwritten by Great Lakes Reinsurance.
Q. Can I cancel my RAC Travel insurance policy if I’m not happy with it?
- A. You have a cooling-off period of 15 working days during which you can change your mind about whether or not you want the policy. If cancelled during this period, you will receive a full refund.
