Thumbnail icon for RAC

Is an RAC travel insurance policy the right fit for your trip? We’ve combed the fine print to bring you the basics of RAC’s travel cover, to help you decide.

About RAC

RAC began as the Automobile Club of Western Australia in 1905. Now, almost 120 years later, RAC offers a range of insurance and roadside assistance products, including a travel insurance range. RAC is underwritten by Tokio Marine & Nichido Fire Insurance Co., Ltd.

Cover information and limits in the table below verified as correct at 22 June 2024. Other information correct at the time of writing.

RAC plans

RAC offers both international travel insurance and domestic travel insurance, with the option for annual multi-trip plans. 

Have a look at the table below for an overview of RAC’s travel insurance options, including what levels of coverage are available, and what’s included and excluded in each tier. 

Check out Mozo’s data fields or the RAC Travel Insurance product disclosure statement (PDS) for details on pay-out limits and general exclusions for specific parts of their travel insurance policies.

  • Events

  • Limits shown apply

  • Covid medical cover

  • Covid cancellation cover

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health illness

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Premium

    • Per person

    • Unlimited

    • Unlimited

    • $250.00

    • Events
    • Unlimited

    • $15,000

    • Unlimited

    • Unlimited

    • $5,000

    • $6,000

    • $25,000

    • $25,000

    • $10,400

    • $5,000

    • $5,000

    • $5,000

    • $8,000

    • $5,000

    • $10,000,000

    • Pre existing conditions
    • Assessment required, no extra cost

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
    • Essentials

    • Per person

    • Unlimited

    • Unlimited

    • $250.00

    • Events
    • $25,000

    • $7,500

    • $25,000

    • Unlimited

    • $1,500

    • $3,500

    • $15,000

    • $15,000

    • $5,200

    • $1,500

    • $1,500

    • $1,500

    • $4,000

    • $2,000

    • $10,000,000

    • Pre existing conditions
    • Assessment required, no extra cost

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
    • Medical Only

    • Per person

    • Unlimited

    • Unlimited

    • $250.00

    • Events
    • $2,000

    • $5,000

    • Unlimited

    • $1,500

    • $10,000,000

    • Pre existing conditions
    • Assessment required, no extra cost

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
    • Annual Multi-Trip

    • Per person

    • Unlimited

    • Unlimited

    • $250.00

    • Events
    • Unlimited

    • $15,000

    • Unlimited

    • Unlimited

    • $5,000

    • $6,000

    • $25,000

    • $25,000

    • $10,400

    • $5,000

    • $5,000

    • $5,000

    • $8,000

    • $5,000

    • $10,000,000

    • Pre existing conditions
    • Assessment required, no extra cost

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
= Covered = Not covered

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).


Does RAC travel insurance have COVID-19 cover? 

Yes, RAC travel insurance includes some coverage for COVID-19, but it only applies to those that take out an International Comprehensive or Domestic policy. 

However, the included benefits are different for the two policies and there are limits as to  how much RAC pays out for Covid claims. 

RAC’s International Comprehensive plan comes with COVID-19 benefits that relate to: 

The Domestic policy benefits around COVID-19 include:

For more information, including the types of claims eligible for cover and any exclusions that may apply, have a look at the RAC travel insurance PDS. 

What optional extras can I add to my RAC travel insurance policy? 

Stock standard policies won’t always cover activities that carry more risk than usual. So, if you’re planning on hitting the slopes on your snowboard, or cruising the world on a cruise ship, then you might need to look into which optional extras RAC offers. 

Note, these optional extras typically incur an extra premium, on top of what your base policy costs. 

The optional extras you can purchase include: 

For details about what each of these optional extras includes and excludes, check out the RAC travel insurance PDS. 

Are pre-existing medical conditions covered under RAC travel insurance?

There are a range of pre-existing medical conditions that are automatically covered under an RAC travel insurance policy, but you’ll still need to seek approval for coverage. That means you’ll need to notify RAC of any medical conditions you have so that they feature on your certificate of insurance. 

Some conditions that aren’t automatically covered will need to be assessed by RAC before approval for coverage is granted. 

You may need to pay an extra premium on top of the base policy cost in order for your pre-existing condition to be covered. 

If you have any questions about medical condition coverage with RAC, then you can call 1300 655 179. 

What do I do if there’s an emergency during my trip? 

For 24-hour emergency assistance while you’re on your trip you can call RAC on +61 2 8055 1697.

If you can, have your policy number ready so that the helpline operators can assist you quickly and efficiently. 

How do I make a claim with RAC travel insurance?

If you need to make a claim with RAC travel insurance, head to the RAC website and lodge your claim online. 

In some cases, you’ll need to have documents that support your claim. For example, if you’re making a claim to cover your hospital bills, you’ll need evidence that you were both in the hospital and were charged for care.

If you need help with lodging your claim, you can call the RAC claims team on 1300 209 352. They will do their best to guide you through the process. 

RAC aims to process your claim within 10 working days. 

Is it possible to cancel my RAC travel insurance policy?

If you need to cancel your RAC travel insurance policy, there’s a 21-day cooling-off period in which you may be eligible for a full refund. 

The full refund only applies if you haven’t started your trip, haven’t made a claim, and don’t intend to make a claim. 

After the 21 days is up, however, you may only be eligible for a partial refund of your premium.

To cancel your cover, call 1300 655 179.

RAC customer reviews

RAC travel insurance
1.0

Overall 1.0

1.0

Value for money

1.0

Policy coverage

1.0

Customer service

1.0

Claims handling

1.0

Trust

1 Reviews

Recent RAC travel insurance customer reviews Recent RAC travel insurance customer reviews

RAC logo

RAC Travel Insurance review

Overall rating   1 / 10

DO NOT BUY RAC Travel insurance / Tokio Marine

I bought insurance to travel for holidays. My mother died and I have to come back. I provided all information as required include cause of death, date etc. But they refused to approve the claim. Very bad service. Do not ever take RAC travel...

Full review

I bought insurance to travel for holidays. My mother died and I have to come back. I provided all information as required include cause of death, date etc. But they refused to approve the claim. Very bad service. Do not ever take RAC travel insurance or if any travel insurance under written by Tokio Marine company.

    Value for money   1 / 10

    Policy coverage   1 / 10

    Customer service   1 / 10

    Claims handling   1 / 10

    Trust   1 / 10

Less

James, Western Australia, reviewed over 1 year ago

Hide reviews
Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews. Financial providers may, from time to time, offer incentives for reviews, regardless of the sentiment of the reviews.

Apply for RAC travel insurance