RACQ Travel Insurance

Important information on terms, conditions and sub-limits

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Are you considering RACQ for your next travel insurance policy? We’ve gone through the fine-print to answer your burning questions about RACQ so you can find the right policy for your needs.

About RACQ

RACQ (Royal Automobile Club of Queensland Limited) is a mutual organisation with approximately 1.75 million members. Founded in 1905, RACQ began as a social club for car and motorcycle owners but has grown to become Queensland’s largest provider of car insurance and the second-largest provider of home insurance. RACQ has a range of products and services, including roadside assistance, travel insurance, banking, and travel agent services. RACQ travel insurance is underwritten by the Tokio Marine & Nichido Fire Insurance Co., Ltd.

Cover information and limits in the table below verified as correct at 25 April 2024. Other information correct at the time of writing.

RACQ travel insurance policies

RACQ offers three tiers of domestic travel insurance, as well as three tiers of international travel insurance. These tiers range from Saver, to Standard, and up to Premium. RACQ also offers an annual multi-trip travel insurance policy, if you’re looking for cover that will sustain multiple journeys over the course of a year.

  • 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

    • 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, may cost extra

    • 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

    • Standard

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • 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, may cost extra

    • 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

    • Saver

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • Events

    • $2,000

    • $5,000

    • Unlimited

    • $1,500

    • $10,000,000

    • Pre existing conditions

    • Assessment required, may cost extra

    • 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 (45 days)

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • 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, may cost extra

    • 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 (30 days)

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • 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, may cost extra

    • 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 (60 days)

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • 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, may cost extra

    • 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 RACQ travel insurance have COVID-19 coverage?

RACQ does provide some coverage for COVID-19, however, it depends on your policy and level of coverage. Check the PDS for the full story on terms and conditions.

What other optional extras can I add to my RACQ policy?

Cruise cover

If you’re travelling on a cruise ship, then you’ll need to purchase RACQ’s cruise travel insurance on top of your policy, even if your cruise stays within Australian waters. If you do not get this optional extra, then any claims related to any part of your journey on a cruise ship will not be covered. You can pay the premium for cruise cover on any of RACQ’s policies, which will cover you for that policy’s included benefits while on the portion of your journey that takes place on a cruise ship. 

Ski and winter sports cover 

Snow travel insurance is important if you’re hitting the slopes, and without it, you may not be covered for any claims relating to snow sports. Through RACQ, the ski and winter sports cover is only available if you pay an extra premium on top of either a Premium or Standard policy, or if you have an annual multi-trip plan. 

Are pre-existing medical conditions covered under RACQ’s travel insurance?

RACQ automatically includes cover for some pre-existing medical conditions, although you must declare your pre-existing conditions and have them listed on your certificate of insurance in order to be covered. So, make sure you disclose any conditions that you do have at the time of applying. 

While you may have to pay an extra premium for your condition, some conditions are covered under your policy’s premium already. 

If your pre-existing medical condition is not eligible for automatic cover, you must apply to have a medical assessment. Contact RACQ on 1300 338 821, or complete your medical assessment online, as part of the travel insurance quote process, at http://www.racq.com.au/travelinsurance. They will then be able to tell you if your condition can be covered. 

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

If there’s an emergency, contact RACQ’s 24-hour emergency assistance and claims line on: 

How do I make a claim with RACQ travel insurance?

To make a claim, head online to RACQ’s website and either register or log in to your account using the email address you used to purchase your policy. 

Alternatively, contact RACQ on:

You will need to have supporting documents which are relevant to your claim, like receipts, police reports, or hospital invoices. RACQ will aim to notify you of the success of your claim within 10 working days. 

Is it possible to cancel my RACQ travel insurance policy?

You can cancel your policy and receive a full refund within 21 days of purchasing it, provided you have not started your journey, have not made a claim, or intend to make a claim. If you want to cancel after the 21-day cooling-off period, then you may be able to receive a partial refund, at RACQ’s discretion. 

To talk to RACQ about cancelling your policy, call them on 1300 338 821.

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