| Overseas Medical and Hospital Expenses | Unlimited |
|---|---|
| Cancellation and Amendment Fees | Unlimited |
| Luggage and Personal Effects | $15,000 |
| Maximum Age Limit | 110 |
Table updated September 2023
RACQ offers a broad range of protection against unexpected costs related to COVID-19, including:
However, there is a combined cap of $3,500 for all expenses, with the exception of medical hospital, emergency and funeral costs.
There are also some scenarios that are not covered by RACQ, including if you ignored medical advice or knowingly put yourself in contact with someone who had COVID-19.
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.
Premium
Standard
Saver
Annual Multi-Trip
Domestic
Domestic Cancellation
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.
These are some of the main insured events that RACQ will cover. These benefits apply across all international policies.
RACQ also offers two add-on options so you can tailor your policy if required.
Unfortunately, travel insurance doesn't cover everything. Generally, RACQ will not pay your claim if it relates to:
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.
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.
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.
Members also enjoy additional perks such as discounted pet boarding, car hire, and even movie tickets.
One of the few drawbacks for RACQ policies is the $3,500 cap on COVID-19 related claims (with the exception of medical, emergency and funeral.) While this may be more than enough for some travellers, it may fall short for others.
If you're still not sure about RACQ, you can compare other travel insurance companies here.
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