RACQ Travel Insurance

RACQ is a Queensland provider of travel insurance, car insurance, home & contents insurance, pet insurance, life insurance and banking.

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The table below displays a snapshot of RACQ’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 RACQ offer?

RACQ 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 RACQ domestic travel insurance cover?

RACQ’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 RACQ’s website.

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What does RACQ international travel insurance cover?

RACQ’s International Comprehensive policy will cover you for:

  • Medical cover: RACQ 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: RACQ also covers the loss or theft of personal items, including trip delays or damage. It will pay up to $15,000.
  • Travel delays/cancellation: RACQ 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, RACQ Comprehensive will reimburse you for any non-refundable excess payable to the rental vehicle company of up to $8,000.
  • 24/7 assistance: RACQ’s emergency worldwide assistance team is available 24 hours a day via phone.
  • Lost or stolen documents: RACQ 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 RACQ’s website.

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Does RACQ travel insurance have overseas hospital cover?

Yes, RACQ’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 RACQ’s Product Disclosure Statement.

Yes, RACQ 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 RACQ’s international policy, up to $15,000 worth of your belongings will be covered. RACQ 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 RACQ’s travel insurance policies. For personal items and jewellery, you must specify them before applying, and all items must be approved by RACQ; 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, RACQ 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 RACQ 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 two main ways you can lodge a travel insurance claim with RACQ, including:

  1. Calling its 24/7 claims line on 1300 096 166 (domestic enquiries) or +61 2 8055 1696 (international enquiries) 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.

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.

The Royal Automobile Club of Queensland (RACQ) was originally founded over 100 years ago in 1904. In the early years, it was responsible for influencing legislation for speed limits and safety and helping the motor vehicle become an accepted part of day-to-day life in Queensland.

Nowadays, RACQ is known as ‘Queensland’s Largest Club’ and offers a number of other insurance products such as car, life and travel insurance. It has a vast rewards program for its members, which consists of anything from discounted movie tickets to hotel and flight deals.

It is completely member-owned and run, which means all profits go back into members’ pockets. RACQ is also proud to be a diverse and inclusive organisation that values the importance of diversity free from discrimination on the basis of gender, background, disability, sexual orientation or life stage.

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Canstar Research
Rating:
Award: Outstanding Value Travel Insurance

Written by: Regina Collins | Last updated: