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RACT offers four travel insurance plans designed to suit the cover needs of a variety of travellers:
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
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:
For a full list of exclusions that apply to RACT travel insurance, check the PDS provided by the insurer.
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 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.
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:
Alternatively, you can post your claim form and documentation to SureSave Travel Claims PO Box A975 Sydney South, NSW 1235
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