RAC Travel Insurance Review
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RAC Travel Insurance

RAC Travel Insurance provides domestic and international cover, as well as perks for its members.

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Zahra Campbell-Avenell
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Important:

Travel insurance rules continue to change as a result of the coronavirus pandemic. We’re working hard to keep up and make sure our guides are up to date, however some information may not be accurate during the pandemic. It’s even more important to double-check all details that matter to you before taking out cover. Please know that some policies may not be available through Finder at this time. Here are some helpful tips:
    • If you're buying a policy today, it's unlikely that you'll be covered for border closures
    • If your travel plans go against government advice, your policy will most likely be voided and you won't be covered
    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.
    RAC travel insurance is not currently available via finder. You can visit their website at www.rac.com.au for more information or compare alternative options available below.

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    warning Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘
    Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.
    International travel insurance is limited and sometimes unavailable at this point.

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    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 ComprehensiveInternational EssentialsDomestic ComprehensiveAnnual Multi-Trip
    Overseas Medical and HospitalUnlimitedUnlimitedUnlimited
    Emergency ExpensesUnlimited$25,000$25,000Unlimited
    Cancellation Fees and Lost DepositsUnlimited$25,000UnlimitedUnlimited
    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 DentalUnlimited$2,000No coverUnlimited

    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.
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    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.

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    2 Responses

      Default Gravatar
      CarmelMarch 19, 2016

      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

      Reply
        Avatarfinder Customer Care
        RichardMarch 21, 2016Staff

        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

        Reply
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