Summary of RACT International Comprehensive policy
Overseas Medical and Hospital Expenses
Unlimited
Cancellation and Amendment Fees
Unlimited
Luggage and Personal Effects
$15,000
Maximum Age Limit
110
Table updated October 2023
How does RACT Travel Insurance cover COVID-19?
RACT offers a broad range of cover for risks related to COVID-19. Here's what you can expect:
Overseas medical, hospital, and emergency expenses if you contract COVID-19.
Cancellation fees and lost deposits if you have to cancel or cut short your trip due to a COVID-19 related event outside of your control.
Cancellation fees and lost deposits if you or a travelling companion are diagnosed with COVID-19 and you have to cancel or rearrange your trip
Relevant costs if a close relative or business partner is hospitalised or dies due to COVID-19 and you have to cancel, reschedule or return home early.
Relevant costs if you are permanently employed as a healthcare worker and your pre-approved leave is cancelled due to COVID-19.
Relevant costs if a pre-paid tour is cancelled due to your tour guide contracting COVID-19
Relevant costs if you're not permitted to board scheduled public transport due to you being suspected of having COVID-19
Relevant costs if your accommodation is closed due to an outbreak of COVID-19 or necessary cleaning due to COVID-19
Childcare costs if you're unable to take care of your dependant children due to contracting COVID-19 on your trip.
Pet care costs if you're unable to return home on your scheduled date due to contracting COVID-19 on your trip.
Transport of your remains or funeral costs if you die as a result of COVID-19 during your trip.
There are some scenarios that are not covered by RACT including costs if you were diagnosed with COVID-19 before heading on your trip but went anyway.
What policies does RACT offer?
RACT offers seven insurance policies to travellers. Comprehensive, Essentials, Saver, Annual Multi-Trip, Domestic, Domestic Cancellation & Rental Car Excess.
Comprehensive
Essentials
Saver
Annual Multi-Trip
Domestic
Domestic Cancellation
Rental Car Excess
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 RACT Travel Insurance features
These are some of the main insured events that RACT will cover. Some of these benefits may only be available on the Comprehensive International policy.
Overseas medical treatment
Lost, damaged or stolen property
Trip cancellation or amendment
Additional accommodation and transport
Rental vehicle excess
Theft of money
Luggage and travel delay
Emergency dental costs
Kidnap and hijack
Personal liability
Permanent disability
Accidental death
Optional add-ons
RACT also offers some add-ons that provide cover for a wider range of risks.
Ski and Winter Sports Cover.Extend your policy to include snow spots and get protection for specific risks such as piste closure, lost lift pass, or avalanche. .
Cruise Cover Extends your insurance policy to cover cruises.
Exclusions
Unfortunately, travel insurance doesn't cover everything. Generally, RACT 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 not listed on your policy
An act of war, invasion or revolution
An act of war, invasion or revolution
You being unfit to travel or travelling against medical advice
Self-inflicted injury or illness, suicide or attempted suicide
Make sure you review the RACT PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions.
How to make an RACT Travel Insurance claim
The quickest way to lodge your claim is online. You'll need to register with the email address you used to purchase your policy. Once registered, set up your password and complete your claim details by answering all sections.
Once submitted, your claim will be assessed within 10 working days.
Alternatively, you can call RACT on 1300 406 752 or 02 8055 1673.
Here's the bottom line about RACT Travel Insurance
RACT offers strong protection across the board, with a rare benefit for financial default, extremely high $10 million limit for personal liability, and cover for 38 medical conditions.
In regards to COVID-19, a wide range of scenarios are covered but claims are capped at $3,500 which could leave some travellers out of pocket.
Lots of adventure activities, and even scooter and motorbike riding, are covered as standard. However, there's no option to add a specific adventure pack so be sure to check exactly which activities are covered and any requirements attached.
No, RACT travel insurance is available to all Australian residents over the age of 18.
No, as long as you're over 18 you can purchase a RACT travel insurance policy..
Your children and your grandchildren are covered for free if they are 25 years old or younger, are financially dependent on their parents, are not working full time, do not require a medical assessment, are travelling with you the whole time, and are listed on the certificate of insurance.
Request travel insurance quotes and compare policies
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.
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