RAC Travel Insurance deals for October 2018

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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Interested in other travel insurance discounts?

Tick Travel Insurance Tick Travel Insurance
Exclusive

Get 10% off all Tick travel insurance policies

Want to save more on your Tick travel insurance policy? Just enter this code to receive a 10% discount on your cover to destinations like Bali, New Zealand, USA, Europe, Thailand, Fiji, Vietnam and more.

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Travel Insurance Saver Travel Insurance Saver

Get up to 30% discount on travel insurance

Save on policies to Bali, New Zealand, USA, Europe, Thailand, Fiji, Vietnam and more when you purchase cover online. Terms and conditions apply.

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1Cover 1Cover

Your chance to win a $5,000 shopping spree

Buy a travel insurance policy to go into the draw to win $5,000 shopping spree.

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Easy Travel Insurance Easy Travel Insurance

Up to 35% off travel insurance

Save on policies to Bali, New Zealand, USA, Europe, Thailand, Fiji, Vietnam and more when you purchase cover online. Terms and conditions apply.

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YouGo Travel Insurance Deals YouGo Travel Insurance Deals
Exclusive

Save 10% on YouGo travel insurance

Get 10% off your YouGo travel insurance cover with this exclusive coupon code. Offer available for a limited time only!

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Travel Insurance Direct Travel Insurance Direct

Win a trip to Hawaii for 2 worth up to $8,000

Your chance to win the trip to Hawaii when you purchase the policy with TID. Total worth of prize up to $8,000. Terms & conditions apply.

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What 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.

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Richard Laycock

Richard is the Insurance Editor at finder, and has been wrangling insurance Product Disclosure Statements for the last 4 years. When he’s not helping Aussies make sense of the fine print, he can be found testing the quality of Aperol Spritzes in his new found home of New York. Richard studied Journalism at Macquarie University and The Missouri School of Journalism, and has a Tier 1 certification in General Advice for Life Insurance. He has also been published in CSO Australia and Dynamic Business.

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