RAC Travel Insurance

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 29 April 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.

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: 

• Overseas medical and hospital expenses

• Cancellation fees and lost deposits

• Additional expenses

• Travel delays.

The Domestic policy benefits around COVID-19 include:

• Cancellations fees and lost deposits

• Additional expenses 

• Travel delays.

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: 

• Snow travel insurance

• Cruise travel insurance

• Pre-existing medical conditions (if not automatically included).

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.

Apply for RAC travel insurance