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Learn more about RAC’s travel insurance policies to find out about their coverage and fees and compare them with other insurers today.

Written by , updated on June 26th, 2023

Founded in 1905 as a roadside assistance service for Western Australians, RAC now offers a wide range of services and products not just for those behind the wheel. Alongside finance and auto services, the West Perth company offers insurance for homes, cars, motorcycles, and even your next holiday.

You can compare RAC's travel insurance products against those of other insurers with Savvy to help you choose the best plan for your next getaway. Additionally, you can compare coverage details such as inclusions and exclusions to other plans.

Find out more about RAC’s offerings on this page before getting a quote with Savvy today.

*Please note that Savvy does not represent RAC for its travel insurance products.

More about RAC travel insurance

What travel insurance policies does RAC offer?

RAC offers a range of travel insurance policies in Australia, including:

International Comprehensive: RAC’s highest level of coverage provides you with unlimited medical expense coverage, including COVID-19 and 24/7 emergency assistance. You can also receive compensation if your bags are stolen, go missing or are damaged on your holiday, whether you’re travelling to the UK or taking a holiday to Singapore.
International Essentials: this policy covers you for the essentials such as unlimited overseas medical costs, some cancellation fees and lost deposits and damage or theft of your luggage. This policy is like their comprehensive insurance but offers lower limits.
Domestic Comprehensive: RAC offers this policy for people who are sticking close to home for their holiday. Coverage includes replacement of stolen or lost luggage, loss of income and the cancellation of your trip.
Medical-Only: if you’re looking for a bare-bones policy which only covers a trip to the hospital if you need it, RAC offers this medical-only policy.
Annual Multi-Trip Insurance: if you’re planning to take more than one trip over 12 months, RAC offers an annual travel insurance policy which covers you for multiple holidays up to 60 days in length. You can roll your children and grandchildren into your coverage for free, and if you’re taking more people, you can even turn it into a family or dual travel insurance policy.

	International Comprehensive	International Essentials	Domestic Comprehensive	Medical-Only
Medical, dental and hospital expenses	Unlimited	Unlimited	N/A	Unlimited
Cancellation	Unlimited	$25,000	Unlimited	N/A
Emergency expenses	Unlimited	$25,000	$25,000	$5,000
Luggage	$15,000	$7,500	$7,500	$2,000
Travel delay expenses	$3,000	$1,500	$1,500	N/A
Personal liability	$10 million	$10 million	$10 million	$10 million
Rental car excess	$8,000	$4,000	$5,000	N/A

Whether you’re jetting off to the UK or just taking a flight to Perth, it’s important to compare policies with Savvy so you can find the best travel insurance for your next holiday.

What optional extras are available through RAC?

RAC, like many other travel insurers, provides optional extras for both international and domestic holidays. These include:

Ski and winter sports cover: taking part in some snow sports on your holiday? RAC offers cover for those who want to snowboard, ski, play ice hockey, ice skate or even go snowmobiling for overseas medical costs, the hire of snow equipment and piste closure.
Cruise cover: if you’re taking a domestic or international cruise holiday and purchase your travel insurance through RAC, you’ll need to tack this onto your coverage to get protection for medical expenses, cabin confinement and other expenses at sea.
Medical conditions: RAC automatically covers a raft of pre-existing medical conditions, such as glaucoma, hernias and nocturnal cramps. However, if you have a more serious health condition such as a heart condition or asthma and you’re over 60, you may need to pay a higher premium to get it covered.

What exclusions should I be aware of when buying travel insurance through RAC?

While some travel insurance policies in Australia can offer wide-ranging coverage, the benefits aren’t limitless and there are some circumstances where your claim won’t be given the green light. With RAC, some of these include:

Unapproved pre-existing health issues, such as claims of mental illness and certain types of diabetes
Partaking in an unapproved activity or sport such as BASE jumping or hang gliding
Travel on a privately chartered boat or plane
Complications following an elective surgery
Travelling against the advice of your doctor
If you’re filing a claim due to terrorism or war
Travelling to a country against Australian government advice
Accidents caused by the consumption of drugs or alcohol

If you’ve found a policy that suits your next holiday to a tee, make sure you review the Product Disclosure Statement (PDS) before you set your decision in stone.

What we think of RAC travel insurance

What we like

Discount if you’re a RAC member

If you’re a RAC member, you can receive a 15% discount on your travel insurance policy. This compares to some of their competitors who offer 10% discounts on policies (or most who offer none at all).

Extensive cooling-off period

RAC gives you 21 days to change your mind and cancel your policy, which is seven days longer than most other insurers. This allows you to continue shopping around to find a deal which beats the policy you already have.

Generous legal liability

You’re covered for up to $10 million if you’re found personally liable for damage to property or the injury of another person, whereas many other insurers cap this at $5 million or lower.

What we don't like

Higher premium for cruise cover

You’ll need to pay a higher premium if you’re taking a cruise holiday and want to go with RAC as it’s not automatically included under standard policies.

Strict pregnancy cover requirements

RAC travel insurance policies will cover pregnancy; however, you’ll only be covered for complications before your 26th week of gestation and won’t be covered for routine doctor’s visits.

Limited coverage for pets

While RAC’s comprehensive policy allows you to claim up to $650 if you need to book extra boarding for your pet because your return is delayed, this coverage isn’t available on domestic, medical-only or essentials policies.

Types of travel insurance

International

International travel insurance can offer cover for a range of events, including medical expenses, lost luggage or items, cancellation fees and more when you're overseas and a long way from home.

Domestic

If you're journeying within Australia, domestic policies are designed to offer many of the same protections as international travel insurance (with the exception of medical expenses).

Single trip

The most standard and common type of travel insurance, this policy can cover you for one trip starting and ending in Australia (and is available for both international and domestic travel).

Annual multi-trip

As the name suggests, this type of travel insurance covers multiple trips over a 12-month period. Depending on your insurer, you may be able to take an unlimited number of trips up to 90 days each.

One-way

You don't have to have a return ticket booked to take out cover while you're overseas. One-way travel insurance enables you to access cover without a set end date, such as if you're moving temporarily.

Cruise

You may need to take out specialist coverage if you're setting sail on a cruise. Fortunately, cruise insurance can cover emergency evacuation, cabin confinement and more.

Seniors

Just because you're older doesn't mean travel insurance isn't still important. If you qualify for cover, seniors' travel insurance can offer greater peace of mind for included events while you're travelling.

Ski

Adding winter sports or ski cover to your policy can add protection against damage to your equipment, piste closure due to bad weather and activities such as back-country skiing, heliskiing and more.

Adventure sports

Looking to enjoy some adventure sports on holiday? An adventure sports pack can grant you cover for a range of activities, such as hiking, scuba diving and motorcycle or scooter riding.

Families

Jetsetting with the whole clan in tow? Some insurers offer family travel insurance, which enables you to include yourself, your partner and your dependent children under one policy to help you save.

Couples

If you're travelling interstate or overseas with your partner (or simply another friend or family member), you may be able to access a discount by taking out a joint or duo travel insurance policy.

Why compare travel insurance with Savvy?

Why compare hotels with Savvy?

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What you see is what you pay – there’s no reservation fee or administration fees when you book here through Savvy online

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24/7 support available

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Frequently asked questions about RAC travel insurance

Does RAC offer coverage for COVID-19?

RAC’s comprehensive policy offers you limited coverage for a range of COVID-19-related costs, including hospital and medical expenses and cancellation costs.

How do I make a claim through RAC?

All claims can be submitted either by phone or electronically, online or by email with RAC. If you’re filing your claim by phone or e-mail, you’ll be sent a claim form to fill out, along with information on what supporting paperwork is required. Once you’ve submitted your claim, RAC sends you a confirmation email and the estimated turnaround time is about ten working days.

How much will my RAC travel insurance cost?

The price of travel insurance varies from person to person based on a wide range of factors, such as:

Your date of birth
Your chosen destination
The level of coverage you buy
Any optional extras you need
Pre-existing medical conditions you need to disclose
The policy excess you choose
The type of insurer and insurance policy you buy

What are the difference between single, annual and one-way trip travel insurance?

Single-trip travel insurance will only cover one round trip. On the other hand, annual multi-trip insurance protects you against financial loss for as many trips as you take each year (often up to 60 travel days per trip). A one-way travel insurance coverage may cover your whole trip if you are on an ongoing journey (up to a year). An extra year of insurance coverage may be bought for many plans.

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