What if I change my mind about RACQ travel insurance?

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.

Is there an age limit for RACQ travel insurance?

Cover is available to travellers over the age of 18.

Can I get a RACQ travel insurance policy as a non-resident?

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.

RACQ Travel Insurance

4.2 (166 reviews) Write a review

RACQ provides various international and domestic policies, with Premium offering unlimited emergency expenses.
Customer satisfaction for RACQ is slightly below average, and COVID-19 cover varies by plan (including plan-specific cancellation limits), with unlimited eligible overseas COVID-19 medical and hospital expenses.
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, $10,000,000 per adult 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 offer COVID-19 cover, the limits vary by plan and by benefit (for example, COVID-19 cancellation limits differ between plans), and eligible overseas COVID-19 medical and hospital expenses can be covered without an overall dollar limit.

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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

Standard features
Optional add-ons
Exclusions

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Standard 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

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Optional add-ons

RACQ also offers two add-on options so you can tailor your policy if required.

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, reckless 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 where the Department of Foreign Affairs and Trade (DFAT) has issued a 'DO NOT TRAVEL' advisory
Childbirth or pregnancy complications: complications from the 26th week of gestation (unless RACQ has accepted them and noted them on your certificate of insurance), childbirth at any stage unless an accident before the end of the 25th week causes a premature birth, or complications with this or a previous pregnancy that you haven't declared and had assessed
Any errors, mistakes or omissions in booking arrangements, or failure to obtain the relevant visa, passport or travel documents
You riding a motorcycle without a current Australian motorcycle licence
An elective medical or dental treatment, cosmetic procedure or body modification (including tattoos or piercing)
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

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.

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Written by

Nicola Middlemiss

Journalist

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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. See full bio

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Nicola has written 170 Finder guides across topics including:

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RACQ Travel Insurance

Our verdict: RACQ offers a variety of travel insurance policies to suit multiple needs and budgets.