RAC Travel Insurance

RAC is a Western Australian provider of travel insurance, car insurance, home & contents insurance, life insurance and business insurance.

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The table below displays a snapshot of RAC’s travel insurance policies on Canstar’s database, sorted by Star Rating (highest to lowest). Please note the products and Star Ratings displayed are based on a couple travelling to the USA aged under 70.

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What types of travel insurance does RAC offer?

RAC offers both domestic and international travel insurance. If you’re unsure as to which kind of travel insurance is most appropriate for you, or would like to better understand the differences between the different types of cover, check out our comprehensive guide on travel insurance.

What does RAC domestic travel insurance cover?

RAC’s domestic travel insurance policy will cover you for lost or stolen luggage, cancellation fees, lost deposits, rental vehicle excess, emergency accommodation and legal liability.

For more details about what is and isn’t covered, check out the Product Disclosure Statement on RAC’s website.

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What does RAC international travel insurance cover?

RAC’s International Comprehensive policy will cover you for:

  • Medical cover: RAC offers unlimited medical, dental and hospital cover. You must provide a medical practitioner’s report confirming you’re unfit to travel.
  • Loss/theft of personal items: RAC also covers the loss or theft of personal items, including trip delays or damage. It will pay up to $15,000.
  • Travel delays/cancellation: RAC Comprehensive offers unlimited cancellation cover and lost deposits. It also offers up to $3,000 in additional travel and accommodation due to strikes, natural disasters, riots or other severe weather conditions that may delay your trip.
  • Rental car excess: If, as a result of an unexpected event, the rental vehicle you have hired is stolen or damaged during your journey, RAC Comprehensive will reimburse you for any non-refundable excess payable to the rental vehicle company of up to $8,000.
  • 24/7 assistance: RAC’s emergency worldwide assistance team is available 24 hours a day via phone.
  • Lost or stolen documents: RAC’s will cover the cost involved in replacing important documents that have been lost or stolen.

Please note that exclusions may apply. For example, your medical cover may not pay claims for medical or dental treatment received in Australia, while it will only cover losses related pregnancy up to and including the twentieth week. Another example of an exclusion is not being covered for any delays caused by a natural disaster occurring before the start date of your insurance.

For more details about what is and isn’t covered, check out the Product Disclosure Statement on RAC’s website.

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Yes, RAC’s international travel insurance policy has unlimited cover for overseas medical, dental and hospital expenses under the following circumstances:

  • You need medical assistance for an unexpected illness
  • You’re seriously injured in an accident
  • You need to be evacuated for an unexpected injury

As always, various conditions and exclusions will apply. It’s highly unlikely that you will be covered if the injury you suffer is classified as a ‘pre-existing condition’, for example.

For more information, read RAC’s Product Disclosure Statement.

Yes, RAC will cover you up to a certain amount for replacing or reimbursing luggage and personal effects that are lost, stolen or damaged while travelling.

Under RAC’s international policy, up to $15,000 worth of your belongings will be covered. RAC will also cover the cost of essential medication if lost or destroyed and has sub-limits for items such as laptops, tablets and cameras.

Again, there are exclusions that come with RAC’s travel insurance policies. For personal items and jewellery, you must specify them before applying, and all items must be approved by RAC; otherwise they will not be covered. Ensure you check the PDS to find out more about what items and luggage are and aren’t covered.

If you’re not sure what to do when your luggage goes missing, check out our guide on travel mishaps and how to avoid them.

Yes, RAC Premium travel insurance will provide unlimited cover on lost deposits and cancellation fees for pre-paid travel arrangements due to unforeseen circumstances outside the traveller’s control on a policy. Read the Product Disclosure Statement for more information.

You can purchase an RAC travel insurance policy by first comparing your options with Canstar and then generating a quote online.  The generator should ask questions such as travel dates, the age of the travellers and the destination, as well as optional extras including snow sport and sub-limits on valuables. It should take around 10 minutes.

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There are three main ways you can lodge a travel insurance claim with RAC, including:

  1. Calling its claims line on 1300 655 and talking to one of its qualified customer service representatives.
  2. Lodging a claim Just follow the prompts and enter the details of your claim. You can also email the claim form to racclaims@tmnfatravelinsurance.com.au.
  3. Post your claim to:

RAC Travel Insurance Claims


GPO Box 4616

Sydney NSW 2001

Make sure you have the following documents (and details) ready:

  • Policy number
  • Personal details
  • Supporting documentation (flight details, itinerary, receipts, etc.)
  • Bank account details

Check out our guide on how to make claiming for travel insurance easier.

RAC was formed by a group of motoring enthusiasts all the way back in 1905 – more than 100 years ago. RAC is 100% local to WA, and offers its financial services and products to about 900,000 members.

RAC covers the largest geographical area of any automotive club in the world, and is a firm advocate for safer and more innovative roads in the state. RAC’s vision is to build Australia’s first electric highway by the year 2020, and it sponsors two emergency rescue helicopters to help Western Australians.

Written by: Regina Collins | Last updated: