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Interested in pairing insurance with your plane ticket? No worries – here’s what you need to know about RACT travel insurance before your next adventure.

About RACT

The Royal Automobile Club of Tasmania (RACT) has proudly served Tasmanians for nearly 100 years. Specialising in insurance, finance, and personal loans, RACT has become one of the top brands in the state and saved customers over $6.03 million through its rewards program. It has also insured over 131,000 Tasmanians through its various policies, including car, travel, and home insurance. RACT is underwritten by Tokio Marine & Nichido Fire Insurance Co. Ltd. 

Cover information and limits in the table below verified as correct at 29 May 2024. Other information correct at the time of writing.

RACT plans

RACT offers several types of travel insurance policies. For local travel, it provides a domestic travel insurance policy, a domestic cancellation policy, and a rental car excess policy if you’re driving interstate in a hired car. It also has international travel insurance, which comes with several tiers: Saver, Essentials, Comprehensive, or annual multi-trip insurance (the latter covers you whenever you’re more than 250 km from your home over 12 months, with conditions).

For details on sub-limits, inclusions, and exclusions across RACT’s travel insurance policies, check out Mozo’s data fields below, or read the product disclosure statement (PDS) on the RACT website.

  • 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
    • Unlimited

    • $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
    • Saver

    • 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 RACT travel insurance have COVID-19 coverage?

RACT’s comprehensive international travel insurance policy does come with COVID-19 benefits, but this is only if you catch the virus overseas and need help paying for medical bills or cancellations. For domestic policies, limits apply to cancellation claims due to COVID-19, and customers on a domestic cancellations or rental car excess policy aren’t eligible to make pandemic-related claims.

The exact terms of your coverage are outlined in the PDS on the RACT website. 

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

RACT travel insurance offers optional extras to tailor your coverage, including cruise and adventure sports insurance like skiing.

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

RACT travel insurance automatically covers several pre-existing medical conditions. However, conditions may apply as to when you were diagnosed and the severity of the condition. You can read a full list of eligibility criteria in the PDS, but if you don’t see yours, don’t worry: you may just have to enquire with RACT specifically. RACT may cover your condition for an additional premium. 

You must inform RACT of your pre-existing conditions during the sign-up process to be eligible for coverage. Certain conditions will not receive coverage at all. 

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

If you’re experiencing an emergency while overseas, contact RACT travel insurance as soon as it’s safe. There is a 24-hour emergency assistance number: +61 2 8055 1627

The RACT team will be able to help you through the emergency by doing things like:

How do I make a claim with RACT travel insurance?

You can also get in touch with RACT to make your claim through the information below:

Can I cancel my RACT travel insurance policy?

There is a cooling off period of 21 days whenever you buy an RACT travel insurance policy. To cancel and receive a full refund, simply call RACT at 02 8055 1673 so long as:

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