No, our policies cover reasonable overseas medical costs only, which can be very high if you do not have travel insurance. There is no medical, hospital, dental or evacuation cover on a Domestic policy. As a general insurer, the insurer is unable to pay medical costs in Australia and this includes any gap payments on any Medicare or private health insurer items.

If you have an overseas emergency, the emergency 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).

All RAC International Travel Insurance policies provide 24-hour emergency assistance and unlimited cover for reasonable overseas medical expenses.

There are a number of policy types with varying benefits and limits for both international travel and domestic travel, as well as a domestic rental car excess only policy. The policy can also include your dependants under your cover at no extra cost.^††

Please refer to the table of benefits in the PDS/FSG for further details.

RAC travel insurance can cover a variety of sports and activities. Most amateur sporting and adventure activities are covered at no extra cost. There are some sports that have conditions of cover and some that are not covered 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 in the Product Disclosure Statement or click the link below.

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; and
• 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 listed below that are automatically covered.

If the criteria above are satisfied, cover is automatically included for the following medical conditions:

• Acne
• Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever, however this excludes any Anaphylaxis as part of any such condition
• 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
• Bell's Palsy
• Benign Positional Vertigo
• Bunions
• Carpal Tunnel Syndrome
• Cataracts
• Coeliac Disease
• Congenital Blindness
• Congenital Deafness
• Diabetes Mellitus (Type 1) 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
• Diabetes Mellitus (Type 2) 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
• Dry Eye Syndrome
• 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
• Gastric reflux
• Gastric/Peptic ulcer
• Glaucoma
• Gout
• Graves' Disease
• Hiatus Hernia
• Hip/Knee replacement if performed more than 24 months ago but less than 10 years ago
• Hypercholesterolemia (High Cholesterol) providing you do not also suffer from a known cardiovascular disease and/or Diabetes
• Hyperlipidaemia (High Blood Lipids) providing you do not also suffer from a known cardiovascular disease and/or Diabetes
• Hypertension (High Blood Pressure) providing you do not also suffer from a known cardiovascular disease and/or Diabetes
• Hypothyroidism, including Hashimoto’s Disease
• Incontinence
• Insulin Resistance
• Macular Degeneration
• Meniere's Disease
• Migraine
• Nocturnal cramps
• Plantar Fasciitis
• Raynaud's Disease
• Sleep Apnoea
• Solar Keratosis
• Trigeminal Neuralgia
• Trigger Finger

If you require cover for a Medical Conditions that is 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 the condition can be accepted and 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 PDS/FSG.