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RACT Travel Insurance Review 

Read Savvy’s review of RACT’s travel insurance offers to find out about their overseas coverage and fees and compare them with other insurers today.

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, updated on June 26th, 2023       

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Providing people on the Apple Isle with roadside assistance for almost a century, the Royal Adelaide Club of Tasmania (RACT) was founded in 1923 and now boasts more than 200,000 members. While roadside assistance is a big part of what they do, they also provide car, home and contents and travel insurance policies.

If you’ve got your eye on one of RACT’s travel insurance policies, you can compare it to others on the market right here with Savvy. Considering a range of offers with us allows you to weigh up the benefits, fine print and claim limits to see which policy gives you the best bang for your buck.

Find out more about RACT’s travel insurance options, get a quote and compare with Savvy today.

*Please note that Savvy doesn’t represent RACT for its travel insurance products.

More about RACT travel insurance

What types of travel insurance policies does RACT offer?

RACT offers a selection of travel insurance options for those holidaying at home and overseas, including:

  • International Comprehensive: this is RACT’s top-tier coverage for international holidays and provides you with unlimited cancellation fees and overseas medical expenses, as well as generous claimable limits on your luggage if it’s stolen or damaged, accidental death and theft of cash. This policy also covers you for some COVID-19-related expenses, such as travel delays due to testing positive for coronavirus.
  • International Essentials: this policy covers much of the same ground as the comprehensive policy. However, for a lower premium, you’ll miss out on three things: cover for COVID-19-related costs, domestic pets and domestic services.
  • International Saver: for those travelling on a tight budget, RACT offers a policy which provides you with all of the bare necessities, such as unlimited cover for overseas medical and hospital costs, some protection for your bags and other emergency expenses which crop up.
  • Annual Multi-Trip: if you’re a frequent flyer, you’re able to take out this type of annual multi-trip policy which covers you for an unlimited number of trips taken at least 250km from your home across a year. You get to choose the maximum length of your holiday (either 30, 45 or 60 days).
  • Domestic Comprehensive: this policy covers you for cancellation fees and lost deposits, your baggage, stolen cash and the excess on a rental car. You’re also covered if you die due to a covered accident or are held personally liable for damage to property or injury to another person.
  • Domestic Cancellation: if you’re happy to forego coverage for things such as luggage and personal liability, you can take out a cancellation-only policy. This provides you with $1,000 cover if you need to call off your holiday before you depart.
  • Rental Car Excess: this standalone domestic policy solely covers you for the excess on a rental car. You get the choice of coverage between $1,000 and $8,000 if your vehicle is damaged and you’re made to cover the cost of the excess by your hire car company.
Comprehensive Essentials Saver Domestic Domestic Cancellation Rental Car Excess
Overseas medical
Unlimited
Unlimited
Unlimited
N/A
N/A
N/A
Cancellation
Unlimited
$25,000
N/A
Unlimited
$1,000
N/A
Luggage/personal items
$15,000
$7,500
$2,000
$7,500
N/A
N/A
Personal liability
$10 million
$10 million
$10 million
$10 million
N/A
N/A
Rental vehicle excess
$8,000
$4,000
N/A
$5,000
N/A
Chosen limit
Travel delays
$3,000
$1,500
N/A
$1,500
N/A
N/A
Emergency expenses
Unlimited
$25,000
$5,000
$25,000
N/A
N/A
Cash in hospital
$6,000
$3,500
$1,500
N/A
N/A
N/A
Domestic pets
$650
N/A
N/A
N/A
N/A
N/A
Domestic services
$1,500
N/A
N/A
N/A
N/A
N/A
Travel documents
$5,000
$1,500
N/A
N/A
N/A
N/A

Whether you’re planning a trip to bathe in the glitzy lights of Las Vegas or soak up some sun on a beach in Brisbane, comparing quotes with Savvy allows you to weigh up the cost of your travel insurance and the benefits it gives you more easily.

What optional extras are available through RACT travel insurance?

RACT travel insurance offers a few optional extras which you can attach to your policy for a higher premium. These include:

  1. Pre-existing medical condition cover: if you suffer from an existing medical condition, RACT requires you to go through a medical assessment and pay a higher premium to be covered. While you’re automatically covered for a range of illnesses (such as sleep apnoea, glaucoma and types of diabetes), you’ll need to pay a higher premium to get more serious ailments covered, such as heart conditions.
  2. Ski and Winter Sports cover: if an accident occurs while you’re carving up the slopes at your holiday destination, this add-on covers you. You’re covered for leisure bigfoot, cat and cross-country skiing, as well as off-piste skiing. You’re also covered if you want to play a spot of ice hockey or take part in some ice skating.
  3. Cruise cover: this add-on covers you for medical expenses onboard your cruise liner, cabin confinement and emergency evacuation if you become gravely ill at sea. If you’re taking a cruise, it’s worth comparing different types of cover.

What exclusions should I be aware of when buying a travel insurance policy through RACT?

Some of the general exclusions on RACT’s travel insurance policies include:

  1. Not taking reasonable care of personal items
  2. Loss of enjoyment or a potential business opportunity
  3. Travelling to a country with a ‘do not travel’ warning
  4. Mistakes in a booking
  5. Driving or riding a motorcycle without a current driver’s license
  6. Nuclear reaction or contamination from nuclear weapons or biological warfare
  7. Travelling against doctor’s advice
  8. Claims relating to elective surgery, tattoos or body piercings while on holiday
  9. Diving underwater using an artificial breathing mechanism
  10. Attempted suicide or intentionally hurting yourself

Before choosing a travel insurance policy for your next holiday, read the Product Disclosure Statement (PDS). This will offer you a detailed indication of what is and isn’t covered.

What we think of the RACT’s travel insurance

What we like

Generous personal liability cover

While many other travel insurance providers only allow you to claim up to $2.5 million or $5 million in personal liability, you’re able to claim up to $10 million under all of RACT’s non-specific policies.

Free cover for children under 25

If you’re taking a holiday with your children or grandchildren and they’re fully dependent on you and are under the age of 25, you can add them to your policy for free.

Discounts available for members

Whether you’re taking a holiday to Hong Kong or Honolulu, RACT offers members up to 10% off their travel insurance policy.

What we don't like

Limited COVID-19-related coverage

Unless you purchase top-of-the-line international or domestic cover through RACT, you won’t be covered for COVID-19-related costs such as medical treatment or travel delays.

Strict pre-existing conditions requirements

While RACT will cover you for a raft of pre-existing conditions automatically (namely epilepsy, glaucoma and allergies) you will need to undergo a medical examination to be covered for more serious conditions such as certain types of diabetes and heart conditions.

Pay extra for cruise holidays

Unlike a lot of other travel insurance companies, RACT makes you pay a higher premium if you’re taking a domestic or international cruise.

Types of travel insurance

Why compare travel insurance with Savvy?

Frequently asked questions about RACT travel insurance

What does RACT’s travel insurance cover when it comes to COVID-19?

RACT’s travel insurance covers you for a few COVID-19-related expenses on their comprehensive and domestic policies, including:

  • Unlimited amount of COVID-19-related medical expenses
  • Up to $3,500 cover for cancellation fees, lost deposits, additional expenses, travel delays and special events.

 
However, if you purchase a lesser-valued policy, you won’t be covered for COVID-19-related costs.

How do I make a claim on my RACT travel insurance policy?

If you’re needing to make a claim on your travel insurance, you can do so via RACT’s online claim portal which allows you to submit around the clock. To make a claim, you’ll need to:

  • Register using your email address and password
  • Complete the claim form with ample details
  • Provide any photographs, medical or police reports and receipts necessary to back up your claim

 
After you’ve submitted your claim, you’ll generally hear back within ten working days. RACT’s website says their claims department may ask for extra information to complete the claim process.

How much will my RACT travel insurance cost?

Many factors come into play when determining the cost of your travel insurance, including:

  • Age
  • Destination (travel to America is more expensive than in other countries because of the cost of healthcare)
  • Level of coverage
  • Optional extras you choose
  • Pre-existing medical conditions
  • Chosen policy excess
  • Type of insurer and policy you buy
Does RACT travel insurance cover pregnant travellers?

Yes – RACT travel insurance covers pregnant travellers up to their 26th week of gestation for giving birth early or any unexpected complication. If you’re expecting more than one child, however, RACT’s travel insurance policies won’t cover you.

What’s the difference between single-trip, annual and one-way travel insurance policies?

The best annual travel insurance policies cover you for unlimited journeys over 12 months (albeit typically capped at 45 to 90 days per holiday), whereas single trip policies only cover you one return holiday. On the other side of the equation, one-way travel insurance policies cover you for a holiday taken where you don’t have a return ticket booked, doing so for up to 12 months (or longer if you extend your policy).

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Disclaimer:
We do not compare all travel insurance brands currently operating in the market. Any advice presented above or on other pages is general in nature and does not consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

Savvy earns a commission from our partners each time a customer buys a travel insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via their websites.

Before purchasing your policy, we recommend you refer to the provider’s PDS for any further information on the terms, inclusions and exclusions.

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