Pros
- RAC offers up to $10,000 protection against financial default, which is one of the rarer benefits within travel insurance.
- Overseas medical and hospital expenses are covered with no maximum dollar limit on the International Comprehensive, Essentials, Medical Only and Annual Multi-Trip policies.
Cons
- Pregnancy is not covered after the 25th week and multiple pregnancies require a medical evaluation at any stage.
- COVID-19 cover only applies to certain sections of the policy, such as cancellation, overseas medical and emergency expenses, so other COVID-related costs aren't covered.
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