RAC Travel Insurance
RAC Travel Insurance provides domestic and international cover, as well as perks for its members.
No reviews yet.
Write a review
We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
Established in 1905 as the Automobile Club of Western Australia, RAC now has more than half a million vehicles covered under an RAC membership. In addition to roadside assistance and a range of auto services, RAC also offers a variety of insurance policies, including travel insurance. Find out more about their policies below.
Compare your travel insurance quotes
Made a search before? Retrieve your search results
Type or select country destination(s)
Popular Destinations
- Americas
- Asia
- Europe
- Pacific
- Africa
Can't find your destination? Just type it in the box above.
We compare products from
By submitting this form, you agree to the finder.com.au Privacy & Cookies Policy and Terms of Use, Disclaimer & Privacy Policy.
RAC Travel Insurance policy options
RAC offer the following policy options:
- International Comprehensive. This provides a wide range of benefits and the highest level of cover including unlimited overseas emergency medical expenses, cancellation fees and lost deposits, up to $15,000 cover for luggage and personal effects, rental car insurance excess cover and more.
- Domestic Comprehensive. This protects you for when you're travelling within Australia and can cover things like trip cancellations, lost or stolen luggage, loss of income and more.
- International Essentials. Similar cover to International Comprehensive but with lower cover limits. You'll still get $25,000 cover for cancellation fees and lost deposits and $7,500 of luggage and personal effects cover.
- Annual Multi-Trip. If you plan to take more than a couple trips a year, an Annual Multi-Trip policy can save you from buying more than one policy, plus it will cover you for everything included in RAC's most comprehensive policy.
- Medical Only. If you're only interested in looking after your health when you're overseas, you can get Medical Only cover.
- Rental Vehicle Excess. Renting a car or campervan? Don't risk unexpected costs. If you rent a vehicle which is then stolen, crashed or damaged, this RAC policy will cover the cost of the insurance excess you would otherwise have to pay. Rental companies regularly charge a hefty excess for any damage, so this type of policy could save you a lot of money in the long run.
Benefits of RAC Holiday Insurance
The exact level of cover provided differs from one RAC policy to the next, but the table below outlines the cover you can get:
| International Comprehensive | International Essentials | Domestic Comprehensive | Annual Multi-Trip | |
|---|---|---|---|---|
| Overseas Medical and Hospital | Unlimited | Unlimited | Unlimited | |
| Emergency Expenses | Unlimited | $25,000 | $25,000 | Unlimited |
| Cancellation Fees and Lost Deposits | Unlimited | $25,000 | Unlimited | Unlimited |
| Luggage | $15,000 | $7,500 | $7,500 | $15,000 |
| Rental Vehicle Excess | $8,000 | $4,000 | $5,000 | $8,000 |
| Travel Delay | $3,000 | $1,500 | $1,500 | $3,000 |
| Overseas Dental | Unlimited | $2,000 | No cover | Unlimited |
RAC General Exclusions
As you’d expect from any insurance policy, there are certain circumstances where your RAC Travel Insurance claim will not be paid. This includes:
- If your claim arises from air travel other than as a passenger on a commercial aircraft.
- If your claim is a result of war or terrorism.
- If your claim is the result of the confiscation, detention or destruction of anything by customs or other authorities.
- If your claim is the result of an unlawful act committed by you.
- If your claim arises from any government prohibition or regulation.
- If you have travelled against the advice of your doctor.
- If you fail to take reasonable care to protect yourself and your property against loss.
- If your claim is the result of a pre-existing medical condition.
- If your claim is the result of pregnancy or childbirth.
- If your claim involves your suicide, attempted suicide or deliberate self-inflicted injury.
- If your claim arises from you being under the influence of alcohol or drugs.
- If your claim arises from anxiety, depression, or other mental or nervous disorders.
- If you participate in hunting, racing, BASE jumping, professional sports, hang gliding etc.
- If your claim is related to complications after elective surgery.
- If your claim arises from the insolvency of a travel agent, tour operator, accommodation provider or airline.
- If your claim involves you participating in riding a motorbike.
RAC Travel Insurance claims
Under an RAC Travel Insurance policy, you can receive a benefit when an insured event occurs and the insurer accepts your claim. However, there are important steps you can take to ensure that your claim is processed quickly and effectively.
The loss or theft of luggage, personal effects, travel documents or money must be reported to the police or relevant travel provider within 24 hours. You should also obtain a copy of any written reports as supporting evidence for when you lodge your claim.
If you are hospitalised or if you anticipate that your medical expenses will exceed $2,000, you’ll need to phone the emergency assistance number as soon as possible. You’ll also need to remember at all times to take all necessary steps to minimise your loss.
You’ll need to notify the insurer of any incident which may give rise to a claim as soon as possible, plus you’ll need to complete a claim form within 60 days of your return. RAC may also request certain documents and supporting information to help process your claim, such as police reports, valuations, receipts and medical certificates. You’ll need to provide these at your own expense.
RAC Travel Insurance FAQs
RAC Travel Insurance offers a range of competitive policy options to suit the needs of a variety of travellers. It’s quick and easy to get a quote online, so compare RAC’s policy features and see how they stack up against other offerings on the market. This will help you end up with the right policy for your next holiday.
Back to top
More guides on Finder
-
Travel insurance that covers COVID
Here's how travel insurers are responding to the pandemic.
-
Toyota Prado Car Insurance
Compare policies side-by-side with our complete guide to Toyota Prado insurance.
-
What does travel insurance cover?
Travel insurance can protect policyholders in multiple different ways, including trip cancellations and cover for expensive medical costs if you get sick or hurt on your trip.
-
Home insurance premiums are soaring. Here’s how I saved $1,415!
Recent floods and extreme weather means home insurance premiums are skyrocketing. It's time to shop for a better deal.
-
Flying soon? 7 tips from recent travellers for a stress-free trip
5 Aussies give their tips for international travel right now, based on their experience flying to 5 of Australia's favourite destinations.
-
How to find the right car insurance [PAID]
Tips to save money on your car insurance.
-
What is a restricted treatment for health insurance?
Restricted services aren't that common in health insurance but they're worth knowing about.
-
International travel updates: French Polynesia, New Caledonia, Thailand, Japan
Farewell to pre-departure tests and hello to more countries reopening.
-
Travel insurance for over 70s
Over 70 and need travel insurance? Compare your options to get affordable cover for what matters.
Ask an Expert
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