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RACQ Travel Insurance Review

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

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, updated on June 26th, 2023       

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Far from just providing roadside assistance to Queensland motorists, the Royal Automobile Club of Queensland (RACQ) offers banking, home, car and travel insurance to millions across Australia. The Brisbane company was founded almost 120 years ago and has more than 1.7 million members today.

Savvy can help you compare RACQ's policies with those of other insurers in the market by breaking down their insurance products for you. You'll be able to weigh up factors such as inclusions and exclusions, claim limits and premiums.

Find out more about what RACQ offers by comparing with Savvy and grab a quote today.

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

More about RACQ travel insurance

What travel insurance policies does RACQ offer?

RACQ offers several travel insurance policies, including:

  • International Premium: RACQ’s most comprehensive international policy provides unlimited hospital and medical expense coverage, as well as coverage in other areas such as luggage and cruise insurance. You’ll also get 24/7 emergency assistance, whether holidaying in Jamaica or taking a much-needed trip to New York. This policy comes with limited coverage for COVID-19-related costs, which includes reimbursement of medical treatment and any cancellation fees or booking deposits if you need to cancel due to testing positive.
  • International Standard: this policy offers fewer benefits than RACQ’s premium policy. For those who choose this option, you’ll miss out on COVID-19 benefits, but you’ll still get coverage for medical treatment, travel delays, personal liability and cancellation fees.
  • International Saver: designed for those travelling on a budget, this policy covers total medical costs, some emergency expenses, loss of luggage and personal liability. However, you won’t be reimbursed for the excess on a rental car or any cancellation costs.
  • Annual Multi-Trip: this type of multi-trip insurance policy will cover all your getaways within a specific 12-month period, making it ideal for frequent fliers. All the coverage of RACQ’s premium plan is included, plus you can choose a maximum trip length of up to 60 days.
  • Domestic: this policy provides the broadest level of cover for those sticking close to home for their holiday. This domestic travel insurance policy covers you for some COVID-19-related expenses, such as cancellation and damage to your bags or personal items. You’re also covered if you’re on a cruise and must evacuate the ship because of a medical emergency.
  • Domestic Cancellation Only: this coverage protects you for up to $1,000 per person if you’re required to alter or cancel your domestic travel plans due to unavoidable circumstances. This will cover the cost of things like cancellation fees, lost deposits and prepaid tickets.
  • Rental Car Excess Only: as the name suggests, this provides you with up to $8,000 in rental car excess cover. COVID-19 coverage doesn’t apply to either of the domestic “only” policies.
International Premimum International Standard International Saver Domestic Domestic Cancellation Rental Car Excess
Overseas medical
Unlimited
Unlimited
Unlimited
N/A
N/A
N/A
Emergency expenses
Unlimited
$25,000
$5,000
$25,000
N/A
N/A
Luggage
$15,000
$7,500
$2,000
$7,500
N/A
N/A
Delayed luggage
$750
$500
N/A
$500
N/A
N/A
Personal liability
$10 million
$10 million
$10 million
$10 million
N/A
N/A
Cancellation fees
Unlimited
$25,000
N/A
$1,000
$1,000
N/A
Hire car excess
$8,000
$4,000
N/A
$5,000
N/A
$8,000
Cash in hospital
$6,000
$3,500
$1,500
N/A
N/A
N/A

When you’re shopping around for travel insurance quotes online, it can be easy to get overwhelmed by the many options available to you. That’s why, whether you’re taking a holiday to Nepal or a trip up to Broome, it’s important to compare your options with Savvy so you can get the best deal on the market.

What optional extras are available through RACQ?

Like many other travel insurance companies, RACQ offers optional extras for both international and domestic getaways. These include:

  1. Skiing and winter sports cover: for an extra cost, you can include this snow and winter sports package on your travel insurance policy to protect you when you’re carving up the snow-capped ski fields. The benefits of this policy include the renting of equipment, slope closure, avalanches and poor weather. You can also claim lost ski lift tickets or medical costs if you injure yourself while you’re carving up the slopes.
  2. Choose your excess: this add-on allows you to choose how much you pay if you need to make a claim, which could potentially make the cost of your travel insurance cheaper. You would normally have to pay an excess of $250, but you can opt for less.

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

The purpose of travel insurance may be to protect you while you’re on holiday, but policies don’t offer endless coverage. That’s why it pays to check where your policy draws the line on cover to ensure you have the right one for your trip. RACQ has a range of exclusions, including:

  1. Trekking at more than 3,000 metres
  2. The breakdown of a marriage, relationship, or friendship
  3. Medical treatment for an unapproved pre-existing medical condition
  4. Travelling for medical tourism
  5. Intentionally injuring yourself
  6. Ignoring the Australian government’s ‘do not travel’ warnings for a specific country
  7. Travelling against the advice of doctors
  8. Acts of terrorism or war

If you’ve found a policy that catches your eye, make sure you review the Product Disclosure Statement (PDS) before you set your decision in stone.

What we think of RACQ travel insurance

What we like

$10 million personal liability cover

RACQ offers you coverage up to $10 million if you’re found personally liable for damage of property or the injury of another person, which is almost double that of its competitors.

Competitive discounts for members

Just for being an RACQ member, you can receive a 20% discount on your travel insurance policy. This is quite competitive, given many other member organisations offer discounts of between 10% and 15%.

Ample policy options

RACQ offers up to seven different travel insurance options for international or domestic holidays which can suit travellers of most budgets.

What we don't like

Limited COVID-19 coverage

While many travel insurance providers offer COVID-19-related coverage across multiple policy levels, RACQ exclusively offers it on their premium and domestic policies.

Few optional extras

In most cases, providers offer you optional extras for motorcycle riding or adventure activities. However, RACQ only offers extra coverage for winter sports, such as skiing or snowboarding.

Acts of terrorism not covered

Some travel insurance companies will offer coverage for medical costs if your destination is struck by a terrorist attack. However, RACQ rules out cover completely for any terrorist activity.

Types of travel insurance

Why compare travel insurance with Savvy?

Frequently asked questions about RACQ travel insurance

How do I make a claim through RACQ?

If something goes wrong while you’re on holiday, you can make a claim 24/7 through RACQ’s website or over the phone by following a few simple steps:

  • Double-check with the PDS that your claim is covered
  • Log onto RACQ’s online portal
  • Provide ample details on your claim form
  • Gather supporting evidence about your claim, such as medical or police reports and any receipts
  • Submit your claim form. RACQ’s website says it will take up to ten working days for it to be assessed
Does RACQ offer coverage for pregnancy?

Yes – RACQ offers limited coverage for those who are carrying a child on holiday. The travel insurance provider may accept claims of unexpected complications up to the 26th week of gestation or for childbirth due to an accident or injury. You will also be covered automatically for single, uncomplicated pregnancies. However, all other pregnancies require a medical assessment to be covered.

How much will my RACQ travel insurance cost?

The cost of travel insurance is based on several factors, including:

  • Age
  • Destination
  • Level of cover
  • Any optional extras you choose
  • 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?

The most notable difference between multi-trip and single-trip travel insurance policies is that one covers you for multiple holidays over 12 months and the other only covers you for a single getaway. In contrast, a one-way travel insurance policy covers you for taking a single trip without a return ticket booked. You may also be able to extend a one-way policy for an extra 12 months if you pay an additional cost.

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