RACQ provides various international and domestic policies, with Premium offering unlimited emergency expenses.
Customer satisfaction for RACQ is slightly below average, and COVID-19 claims are capped at $3,500.
Standard features include overseas medical and lost property; always check exclusions like DFAT "do not travel" warnings.
Our Verdict
RACQ's Premium international policy offers a great range of benefits, including an impressive $10,000 limit for insolvency, $10 million for legal liability, and unlimited emergency expenses.
Pros
There's no additional premium if you want motorcycle or moped cover on your comprehensive international policy.
RACQ's premium international policy offers unlimited emergency expenses (within reason).
Cons
While RACQ does cover expenses related to COVID-19, claims have a combined cap of $3,500 (with the exception of medical and funeral).
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What policies does RACQ offer?
RACQ offers four international policies - Premium, Standard, Saver, and Annual Multi-Trip. It also offers three domestic travel insurance policies - Domestic, Domestic Cancellation and Rental Car Excess Only.
The insurer of this product is Tokio Marine & Nichido. It comes with a cooling-off period of 21 days and choice of $250 standard excess for international plans.
Here's a breakdown of RACQ Travel Insurance features
These are some of the main insured events that RACQ will cover. These benefits apply across all international policies.
Overseas medical treatment
Lost, damaged or stolen property
Trip cancellation or amendment
Additional accommodation and transport
Theft of money
Luggage and travel delay
Kidnap and hijack
Personal liability
Accidental death
Optional add-ons
RACQ also offers two add-on options so you can tailor your policy if required.
Rental vehicle excess cover. If your rental vehicle is damaged, this benefit will cover the cost of the insurance excess. Does not apply to campervans, motorbikes or scooters.
Ski and Winter Sports Cover.Cover in case you're injured on the slopes, plus additional risks such as equipment hire, piste closure, and avalanche.
Cruise Cover Extends your insurance policy to cover cruises, medical treatment on board, and marine evacuation.
Exclusions
Unfortunately, travel insurance doesn't cover everything. Generally, RACQ will not pay your claim if it relates to:
Unlawful, wreckless or unreasonably unsafe behaviour by you.
Behaviour while you were drunk or under the influence of drugs
Expenses related to a pre-existing medical condition, if not listed on your policy
An act of war, invasion or revolution
You being unfit to travel or travelling against medical advice
If you travel to an area despite a Department of Foreign Affairs and Trade (DFAT) has issued a 'DO NOT TRAVEL' advisory being in place
Self-inflicted injury or illness, suicide or attempted suicide
This is not an exhaustive list. Make sure you review the RACQ PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions.
How to make an RACQ Travel Insurance claim
The quickest way to make your claim is through RACQ's 24/7 online portal. Register with the email address you used to buy your policy, and RACQ will email you with instructions.
Alternatively, you can claim on your RACQ travel insurance policy over the phone, by calling 1300 207 371 or +61 2 8055 1696.
Frequently asked questions
You have 21 days from the date of issue to change your mind, as long as you haven't started your trip and don't want to make a claim. Just let RACQ know and you'll get a full refund.
Cover is available to travellers over the age of 18.
Yes, temporary residents over the age of 18 can get a RACQ travel insurance policy. You'll just have to hold a current Australian visa (not a tourist, study or working holiday visa) which will remain valid throughout your entire trip. You'll also need a return ticket, have a primary place of residence in Australia, and you must purchase your policy before you leave Australia.
Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards.
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