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RACT travel insurance
Comprehensive and affordable cover for domestic and overseas travellers.
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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 any coronavirus-related claims
- If your travel plans go against government advice, your policy will most likely be voided and you won't be covered
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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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What travel insurance policies does RACT offer?
RACT offers four travel insurance plans designed to suit the cover needs of a variety of travellers:
Comprehensive
- Single-trip plan
- Designed for international trips and for cruises that go outside Australian coastal waters
- Flexible options so you can tailor cover to your needs
- Unlimited cover for overseas medical costs and medical evacuation or repatriation
- Unlimited cover for extra trip costs when you have to change or cancel your trip due to circumstances beyond your control
- $5,000 cover for cancellation costs
- $12,000 luggage cover
- $2.5 million personal liability cover
Annual Frequent Traveller
- Multi-trip plan
- Covers you for all domestic and international trips you take during a 12-month period
- You select a maximum individual trip length of either 30 or 50 days
- Unlimited cover for overseas medical costs and medical evacuation or repatriation
- Unlimited cover for extra trip costs when you have to change or cancel your trip due to circumstances beyond your control
- $2.5 million personal liability cover
Basic
- Single-trip plan
- Lower-cost plan for international travellers who only want cover for the essentials
- Unlimited cover for overseas medical costs and medical evacuation and repatriation
- Unlimited cover for extra trip costs when you have to change or cancel your trip due to circumstances beyond your control
- $3,000 luggage cover
- Option to add extra cancellation cover
- $1 million personal liability cover
Domestic
- Single-trip plan
- Designed for trips that are solely within Australia
- $10,000 cover for medical evacuation and medical repatriation
- $2,000 cover for cancellation costs
- $10,000 cover for extra trip costs when you have to change or cancel your trip due to circumstances beyond your control
- $4,000 luggage cover
- $1 million personal liability cover
How do policy features compare?
| Comprehensive | Annual Frequent Traveller | Basic | Domestic | |
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| Overseas medical costs |
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| Medical evacuation, medical repatriation, extra trip costs and companion costs |
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| Cancellation costs |
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| Return of rental vehicle costs |
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| In-hospital allowance |
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| Room service supplement |
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| Loss of income |
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| Total and permanent disability |
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| Overseas dental costs |
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| Overseas burial, cremation or repatriation of remains |
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| Accidental death |
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| Extra trip costs when you have to cancel or change your trip, such as if your flight is cancelled or you suffer an illness or injury. Cover for cancellation costs, rearrangement costs and unused visa costs |
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| Resumption of trip costs |
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| Extra trip costs when a relative or travelling companion dies, you can no longer stay at your accommodation, your home is severely damaged etc. |
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| Insolvency of travel services provider |
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| You have trouble getting from A to B | ||||
| Extra trip costs due to missed flight or travel delay |
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| Your luggage and personal items | ||||
| Lost, stolen or damaged luggage |
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| Luggage delay |
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| Your passport and travel documents | ||||
| Emergency passport replacement fees |
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| Extra trip costs |
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| Lost, stolen or damaged passport or travel documents |
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| Cancellation costs |
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| Your credit cards or cash | ||||
| Extra trip costs |
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| Financial loss |
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| Cancellation costs |
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| Reimbursement for stolen cash |
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| Your rental vehicle is in an accident, stolen or damaged | ||||
| Rental vehicle insurance excess |
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| Your destination is declared a ‘Do not travel’ zone | ||||
| Extra trip costs |
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| Personal liability | ||||
| Personal liability costs when you are being sued |
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Table updated: September 2020
What additional options are there?
- Excess buy-out option. If you don’t want to pay an excess when you make a claim on the single-trip international Comprehensive and Basic plans, you can reduce the excess to nil by paying an additional premium.
- Cover for an existing medical condition. If your existing medical condition isn’t automatically covered by RACT travel insurance, you can apply to have it covered as a ‘specified medical condition’. You’ll need to undergo medical screening and also pay an additional premium.
- Adding cover if you’ve had pregnancy complications. If you have a history of pregnancy complications and would like cover for them under your travel insurance policy, you can pay an additional premium and undergo medical screening to have those complications covered as a specified medical condition.
- Sports and leisure equipment. If you’re willing to pay an additional premium, you can add your sports and leisure equipment items to your policy as specified items and obtain new-for-old replacement cover.
- New-for-old luggage cover. You can obtain new-for-old cover for your luggage by listing each piece of luggage as a specified item and paying an additional premium.
- Extra rental vehicle insurance excess cover. You can increase your level of rental vehicle insurance excess cover, in $500 increments, from the standard level of $5,000 up to a maximum of $8,000 (except on the Basic plan).
- Winter sports option. This option can be added to the Comprehensive, Domestic and Annual Frequent Traveller plans if you want to participate in a winter sport on your trip. You’ll then be covered for medical expenses, stolen or damaged ski equipment, ski equipment hire, lift passes and more.
- Extra cancellation cover. This option allows you to increase your cancellation cover to the following levels:
- Unlimited cover for Comprehensive and Basic plans
- $20,000 on Domestic and Annual Frequent Traveller plans
What kind of exclusions are there?
There are specific situations and events which will not be covered by your RACT travel insurance policy. For example, no cover will be provided if:
- You commit an unlawful or criminal act
- You don’t follow official laws or warnings, whether from the government, airport officials or any other authorities
- You are under the influence of alcohol or drugs
- You are delayed or detained, or you have luggage or cash seized or confiscated, by customs officials
- You travel against medical advice
- You fail to comply with a directive, recommendation or warning of the World Health Organisation (WHO)
- Your claim arises due to a sexually transmitted disease or cosmetic surgery that is not medically necessary
- Your claim arises due to an existing medical condition that is not automatically covered by your policy
- You can’t provide evidence of the expenses or event you’re claiming for
- You travel to a country or region that the Australian government has listed as a ‘Do Not Travel’ zone
- You put yourself in harm’s way when there’s a riot or strike
- Your claim arises due to an act of war
For a full list of exclusions that apply to RACT travel insurance, check the PDS provided by the insurer.
Who can apply for RACT travel insurance?
To be eligible to apply for RACT travel insurance you must have a permanent home in Australia and satisfy one of the following conditions:
- You must be an Australian citizen or permanent resident;
- You must be on a skilled working visa but not a working holiday visa;
- You must be allowed to stay in Australia for at least two years on a partner/spouse visa; or
- You must be a New Zealand passport holder
You will also need to have unrestricted right of entry into Australia and access to long-term medical care (please note that this does not include the cover provided under a Reciprocal Health Care Agreement). If you’re buying a Basic International or Annual Frequent Traveller plan, you’ll need to be under 76 years of age when you purchase cover. No age limit applies to the Comprehensive International and Domestic plans, but travellers aged 81 or over will need to answer some health and lifestyle questions when they apply. RACT members can also access special discounts off the cost of cover, so enquire with RACT about the savings that may be available to you.
How do I make a claim?
If you need to make a claim on your RACT travel insurance policy, visit suresave.com.au/claims. There you can find the insurer’s claims guide, which contains important information about how to make a claim and the information you will need to gather to support your claim. Then all you have to do is:
- Download and complete a claim form, providing as much detail as you can
- Gather all supporting documents required for the processing of your claim
- Send your completed claim form and supporting documents to claims@suresave.com.au
Alternatively, you can post your claim form and documentation to SureSave Travel Claims PO Box A975 Sydney South, NSW 1235
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