Travel Insurance

The maximum days allowed per trip is either 30, 45 or 60 days, depending on the policy you choose. You must select the appropriate number of days that will cover any single trip you may take during the 12 month period at the time of purchase. The days allowed per trip may be able to be increased to a longer duration during the period of the policy and an additional premium will apply. Please contact us for assistance.

You have 21 days from the day You purchase Your policy to decide if the cover is right for You and suits Your needs. If the policy does not meet Your needs You can cancel Your policy within the “cooling-off period” for a full refund, provided You:

• Haven't started Your Trip; and/or
• Haven't made a claim; and/or
• Don't intend to make a claim or exercise any other rights under Your policy.

Simply contact Us on 1300 655 179 within the cooling-off period and We can arrange this for You.

If you have an overseas medical emergency, our Emergency Medical Assistance team is available 24 hours a day, 365 days a year to take your call.

+61 2 8055 1697 (reverse charges from the overseas operator).

You can extend your policy under certain conditions.

We will extend the term of Your cover for no additional cost if any delay is due to a reason which is covered under Your policy.

For other reasons you can apply to extend your International or Domestic Single-Trip Policy by phoning us on 1300 655 179 or send an email to travelinsurance@rac.com.au as soon as practicable prior to your original policy expiry date. Extension of cover is subject to the insurer’s written approval and you will need to pay any applicable extra premium. If the insurer agrees to extend cover, you will be issued with a new certificate of insurance. The period of insurance on your new Certificate of Insurance, combined with your previous period of insurance, cannot be longer than a combined maximum period of 12 months. Applications to extend cover are subject to additional conditions — please refer to the Product Disclosure Statement for further details.

Yes, you should list all countries to confirm that cover is available for the countries you are travelling to. You should also check www.smartraveller.gov.au as the insurer does not provide cover for any country or region which is the subject of a “Do Not Travel“ advisory issued by DFAT prior to the purchase of your policy. If this occurs after you purchase your policy but before you commence your trip, some cover may be available for Cancellation and Lost Deposits or Financial Default. Please refer to the PDS for full details.

Claims can be lodged either online, by phone, or by email. If lodging by phone or email the applicable claim form will be provided for completion together with details of the documentation that needs to be provided.

Please contact us on 1300 655 179 as soon as you realise the error so that we can review and arrange for amendments where possible. You can also advise us by email travelinsurance@rac.com.au with full details of the error and the correct details.

Cover for cancellation, lost deposits and financial default commences from the date of purchase. All other benefits commence on the trip start date you have stated when purchasing your policy.

Without travel insurance, you could be liable for thousands of dollars in medical bills, transportation costs in the case of cancelled flights, or the cost of replacing your personal valuables if your luggage is lost or stolen.

The Australian Government handles more than 20,000 cases of Australians in difficulty overseas every year (check out Smartraveller's informative guide to travel insurance) – that’s why buying travel insurance should be an essential item on your pre-holiday to-do list.

If you can't afford travel insurance, you can't afford to travel.

All of RAC's Travel Insurance International policies provide 24-hour medical emergency assistance and unlimited reasonable overseas medical treatment (conditions, sub-limits and exclusions apply). We offer a number of policy options with varying benefits and limits for both International travel and Domestic travel, as well as a domestic rental car excess only policy. The policy also covers your listed Dependents such as children, grandchildren, step-children and foster children at no extra cost, provided they are travelling with you, are up to the age of 25, are financially dependent on their parents or grandparents, are not working full time, and do not require medical assessment. Please refer to the table of benefits in the Product Disclosure Statement for further details.

A Medical Condition means any medical or physical condition, disorder, disease, disability or illness, including any Mental Illness, which at the Relevant Time, You were aware of, or a reasonable person in the circumstances could be expected to have been aware of the following:

1. is chronic, ongoing, terminal, or has affected or involved one or more of the following:
   1. heart, circulatory system, lungs or respiration system, brain, kidneys, liver, or cancer;
   2. surgery involving the back, neck, joints, or abdomen; or
2. in the last 24 months had:
   1. presented symptoms which would have caused an ordinarily prudent person to seek medical opinion or treatment;
   2. become exacerbated or complicated; or
   3. been diagnosed, treated or treatment was recommended by a Treating Doctor.

Capitalised terms used on this page are defined in the PDS.

This is an online set of medical questions (assessment) which you will need to complete if you wish to apply for travel insurance but have Medical Conditions which are not automatically covered under the policy. You can complete this as part of your travel insurance quote at www.rac.com/travelinsurance, call 1300 655 179 or visit an RAC travel centre for additional assistance. Upon completion of this assessment we will inform you if the Medical Condition is covered and any additional premium payable.

If you make a claim you may be required to pay an excess. An excess is an agreed dollar amount that is subtracted from each and every Insured Event — see the definitions of 'Excess' and 'Insured Event' in the Product Disclosure Statement for more information.

The default International Single Trip policy excess is $250 but this can be reduced to $100 or $0 for an increased premium or increased to $500 or $1,000 for a reduced premium at the time of purchase.

The default for our Domestic Single Trip policy is $100 but can be reduced to $0 for an increased premium  at the time of purchase.

The default Annual Multi-Trip policy is $250 but this can be reduced to $100 or $0 for an increased premium at the time of purchase. Your excess will be shown on your certificate of insurance. Please note If you choose a higher excess it can reduce your premiums but it will affect the benefit you receive when you make a claim.

Some cover benefit limits or sublimits may be less than your total excess and therefore the insurer may not contribute anything to your claim.

This section outlines those Medical Conditions automatically included, where You, at the Relevant Time:

• have not required hospitalisation or treatment (where treatment does not include an annual or routine medical check-up, blood testing or a visit to a medical practitioner to obtain a regular prescription) by any Treating Doctor within the last 24 months (unless a different time-period is specifically listed in the list below) for the Medical Condition;
• are not awaiting the outcome of any investigation, tests, surgery or other treatment for the Medical Condition; and
• meet any additional criteria set out in the Medical Conditions we automatically cover list below.

If the criteria above are satisfied, cover is automatically included for the following Medical Conditions: 

1. Acne
2. Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever, however this excludes any Anaphylaxis as part of any such condition
3. Asthma providing You:
   1. have no other lung disease; and
   2. are less than 60 years of age at the time You purchase the policy
4. Bell's Palsy
5. Benign Positional Vertigo
6. Bunions
7. Carpal Tunnel Syndrome
8. Cataracts
9. Coeliac Disease
10. Congenital Blindness
11. Congenital Deafness
12. Diabetes Mellitus (Type I) providing You:
    1. were diagnosed over 24 months ago; and
    2. have no eye, kidney, nerve or vascular complications; and
    3. do not suffer from a known cardiovascular disease, hypertension, or hypercholesterolemia; and
    4. are under 50 years of age at the date of policy purchase
13. Diabetes Mellitus (Type II) providing You:
    1. were diagnosed over 24 months ago; and
    2. have no eye, kidney, nerve or vascular complications; and
    3. do not suffer from a known cardiovascular disease, hypertension, or hypercholesterolemia; and
    4. are under 50 years of age at the date of policy purchase
14. Dry Eye Syndrome
15. Epilepsy providing:
    1. there has been no change to Your medication regime in the past 24 months; and
    2. You are on no more than one anticonvulsant medication
16. Gastric reflux
17. Gastric/Peptic ulcer
18. Glaucoma
19. Gout
20. Graves' Disease
21. Hiatus Hernia
22. Hip/Knee replacement if performed more than 24 months ago but less than 10 years ago
23. Hypercholesterolemia (High Cholesterol) providing You do not also suffer from a known cardiovascular disease and/or Diabetes
24. Hyperlipidaemia (High Blood Lipids) providing You do not also suffer from a known cardiovascular disease and/or Diabetes
25. Hypertension (High Blood Pressure) providing You do not also suffer from a known cardiovascular disease and/or Diabetes
26. Hypothyroidism, including Hashimoto’s Disease
27. Incontinence
28. Insulin Resistance
29. Macular Degeneration
30. Meniere's Disease
31. Migraine
32. Nocturnal cramps
33. Plantar Fasciitis
34. Raynaud's Disease
35. Sleep Apnoea
36. Solar Keratosis
37. Trigeminal Neuralgia
38. Trigger Finger

If You require cover for Medical Conditions that are not automatically covered above, You may apply for additional cover for that condition.

If your condition meets the automatically covered conditions criteria, there is nothing further you need to do in order to be covered for that condition.

If your condition does not meet the automatically covered conditions criteria, and you want cover for this, you must complete a medical assessment to assess whether we can accept this risk and what, if any additional premium is payable by you, to have that condition specified on your policy.

Please also read the “General Exclusions” section of the Product Disclosure Statement.

We will cover a variety of sports and activities in your travel insurance policy. Most amateur sporting and adventure activities are covered at no extra cost. There are some sports that have conditions of cover and some that we do not cover at all.

Whatever sport or activity you choose to do, it is a condition of cover that you act in a responsible way to protect yourself. Check which activities are covered check the Product Disclosure Statement or click the link below.

Cover for international and domestic river cruising is included automatically in the policy and you do not need to select the Cruise option to be covered.

If you are going on an ocean Cruise which stops at other countries, you will need to select International Cover and select each country where the cruise stops.

All Australian waters and international ocean cruising will require you to select the Cruise option to be covered while you are on your cruise. An extra premium is payable for cruise cover.

If you are going on an ocean cruise which is only in Australian waters or calling into ports in Australia and you still require a policy which includes medical cover whilst you are on board the ship as many on-board medical providers on cruises are not registered with Medicare (check with your cruise provider), you will need to select Australian Cruise as your destination. This will then allow the insurer to give you medical and evacuation cover whilst at sea but not if you go to a medical provider whilst in port in Australia. Please refer to the Product Disclosure Statement for further details.

Please note the Domestic policy does not include any medical cover as the insurer is a general insurer and cannot cover medical costs in Australia. Therefore the Domestic policy is not suitable for cruises if you require cover for on board medical treatment and evacuation.

An extra premium is payable for the Cruise cover option.

Travel insurance cover is available to Australian citizens and permanent Australian residents up to 110 years of age for Single Trip policies and up to 75 years of age for the Annual Multi-Trip policy, provided:

• You purchase your travel insurance policy before you begin your Trip; and
• For International cover your trip begins and ends in Australia; or
• For Domestic cover your trip must be wholly within Australia.

Australian Temporary residents up to 110 years of age for Single Trip policies and up to 75 years of age for the Annual Multi-Trip policy, provided:

• You hold a current Australian Visa (not a tourist, study or working holiday visa) that will remain valid beyond the period of your return from Your Trip; and
• You hold a return ticket; and
• You have a primary place of residence in Australia that you intend to return to; and
• You purchase your policy before you begin your Trip; and
• For International cover your Trip begins and ends in Australia; or
• For Domestic cover your Trip must be wholly within Australia.

RAC Travel Insurance is issued by Tokio Marine & Nichido Fire Insurance Co., Ltd (Tokio Marine & Nichido) ABN 80 000 438 291, AFSL 246548. Its managing agent, Tokio Marine Management (Australasia) Pty. Ltd. ABN 69 004 488 455 (TMMA) is authorised under a binder to act on behalf of Tokio Marine & Nichido to issue its policies and handle and settle claims in relation to those policies, subject to the terms of the authority. Royal Automobile Club of Western Australia (ABN 17 009 164 176 AR 228 577) (RAC) is an authorised representative of Tokio Marine & Nichido.

As well as travel insurance, Tokio Marine & Nichido also work with the general insurance market through insurance brokers and provide insurance for commercial and corporate businesses in Australia. Tokio Marine & Nichido was founded in 1879 in Japan, operates in multiple countries and employs thousands of people worldwide.

Travel Insurance can provide some protection when unforeseen events occur whilst you are travelling and can help cover unexpected expenses. Travel Insurance can provide some cover for things like theft, accidents, or medical problems. To find out more about the benefits of travel insurance, visit the Department of Foreign Affairs and Trade website.

Your Dependants such as children, grandchildren, step-children and foster children are covered at no extra cost if they have not disclosed a medical condition and they meet the following criteria:

• aged 25 years or younger at the time Your buy Your policy;
• financially dependent on their parents or grandparents and not working full time;
• travelling with You for Your entire Trip;
• listed on the Certificate of Insurance as Your Dependant; and
• whilst on Your Trip, is dependent on an Adult listed on Your Certificate of Insurance.

If they meet the above criteria and you choose our Ski and Winter Sports or Cruise option, they’ll be covered for this as well. If you have omitted to list them, please contact us as soon as possible.