RACQ
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RACQ Travel Insurance

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

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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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Summary of RACQ International Premium policy

Overseas Medical and Hospital ExpensesUnlimited
Cancellation and Amendment FeesUnlimited
Luggage and Personal Effects$15,000
Maximum Age Limit110

Table updated September 2023

How does RACQ Travel Insurance cover COVID-19?

RACQ offers a broad range of protection against unexpected costs related to COVID-19, including:

  • Overseas medical, hospital and emergency costs.
  • Funeral expenses, up to $20,000
  • Emergency expenses if you're quarantined due to close contact of a COVID-19 case or your travelling companion is diagnosed with COVID-19.
  • Cancellation fees and lost deposits due to any COVID-19 related event outside of your control.
  • Additional expenses if your trip is disrupted due to any COVID-19 related event outside of your control.

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.

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.

Travel plane luggage passport

Premium

Passport

Standard

Luggage

Saver

Hiking

Annual Multi-Trip

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Domestic

Map

Domestic Cancellation

Luggage

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

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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.

  • 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.

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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
  • Childbirth or pregnancy complications before the 26th week of gestation or if you have had previous pregnancy complications
  • 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.

Here's the bottom line about RACQ Travel Insurance

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.

Frequently asked questions

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