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RAC Travel Insurance

Disclaimer:

RAC Travel Insurance is currently not available through travelinsurance.com.au. You are welcome to visit their website for more information or compare travel insurance options available from us.

Bupa Travel Insurance Policy Options

International Comprehensive: RAC’s highest level of cover, offering you a comprehensive travel insurance package for all your travel needs overseas.

International Essential: The Essentials policy protects you against any medical expenses, lost or delayed luggage, cancellations, and personal liability while you travel overseas.

International Medical Only: Unlimited medical cover while you travel overseas.

Annual Multi-Trip: The policy that saves you time and money, by offering you cover for multiple trips within a 12-month period.

Comprehensive Domestic: Cover for your travels within Australia, covering you for lost or delayed luggage, cancellations, rental vehicle excess, and more.

Benefit

International Comprehensive

International Essential

International Medical Only

Annual Multi-Trip

Comprehensive Domestic

Cancellation Fees and Lost Deposits

Unlimited

$25,000

-

Unlimited

Unlimited

Travel Agent Fees

$4,000

$2,000

-

$4,000

$2,000

Overseas Medical and Hospital

Unlimited

Unlimited

Unlimited

Unlimited

-

Cash in Hospital

$6,000

$3,500

$1,500

$6,000

-

Overseas Dental

Unlimited

$2,000

$500

Unlimited

-

Funeral Expenses Overseas

$20,000

$15,000

$10,000

$20,000

-

Luggage

$15,000

$7,500

$2,000

$15,000

$7,500

Travel Documents

$5,000

$1,500

-

$5,000

-

Luggage Delay

$750

$500

-

$750

$500

Personal Money

$500

$250

-

$500

$250

Emergency Expenses

Unlimited

$25,000

$5,000

Unlimited

$25,000

Resumption of Travel

$5,000

$1,500

-

$5,000

-

Special Events

$5,000

$2,000

-

$5,000

-

Accidental Death

$25,000

$15,000

-

$25,000

$25,000

Accidental Disability

$25,000

$15,000

-

$25,000

$25,000

Your Legal Liability

$10m

$10m

$10m

$10m

$10m

Rental Vehicle Excess

$8,000

$4,000

-

$8,000

$5,000

Loss of Income

$10,400

$5,200

-

$10,400

$5,200

Financial Default

$10,000

$5,000

-

$10,000

$3,000

Domestic Pets

$650

-

-

$650

-

Domestic Services

$1,500

-

-

$1,500

-

Travel Delay

$3,000

$1,500

-

$3,000

$1,500

Hijack and Kidnap

$10,000

$5,000

-

$10,000

-

Ski and Winter Sports optional add-on

Ski Overseas Medical and Hospital

Unlimited

Unlimited

N/A

Unlimited

-

Equipment Hire

$2,000

$1,000

N/A

$2,000

$1,000

Ski Pack

$1,000

$500

N/A

$1,000

$500

Piste Closure

$1,000

$500

N/A

$1,000

-

Bad Weather and Avalanche

$1,000

$500

N/A

$1,000

$500

Lift Pass

$500

$250

N/A

$500

$250

Pre-Existing Conditions Automatically Covered by RAC Travel Insurance

RAC travel insurance automatically covers some pre-existing medical conditions with no extra premium required, provided they meet certain criteria, which can be found in the PDS document.

- Acne

- Allergies

- Asthma providing

- Bell’s Palsy

- Benign Positional Vertigo

- Bunions

- Carpal Tunnel Syndrome

- Cataracts

- Coeliac Disease

- Congenital Blindness

- Congenital Deafness

- Diabetes Mellitus (Type I and 2)

- Dry Eye Syndrome

- Epilepsy

- Gastric Reflux

- Gastric/ Peptic Ulcer

- Glaucoma

- Gout

- Graves’ Disease

- Hiatus Hernia

- Hip/Knee replacement

- Hypercholesterolaemia (High Cholesterol)

- Hyperlipidaemia (High Blood Lipids)

- Hypertension (High Blood Pressure)

- Hypothyroidism

- Incontinence

- Insulin Resistance

- Macular Degeneration

- Meniere’s Disease

- Migraine

- Nocturnal Cramps

- Plantar Fasciitis

- Raynaud’s Disease

- Sleep Apnea

- Solar Keratosis

- Trigeminal Neuralgia

- Trigger Finger

General Exclusions for all RAC Policies

  • Not acting in a responsible way to protect yourself and your belongings.

  • Consequential loss of any kind, including loss of enjoyment or profit.

  • Travelling with the knowledge of a circumstance which would give rise to the need to make a claim.

  • Any claim as a result of terrorism, a natural disaster, or a health concern, where an advance warning was given for travel to that country or area.

  • Any claim arising due to unlawful behaviour on your part.

  • Driving a vehicle, motorcycle, moped, or another vehicle for which you do not have a valid Australian drivers license or IDP for driving that vehicle in a foreign country.

  • Any pre-existing medical condition not covered automatically by the policy.

  • Travelling against medical advice.

  • Pregnancy or childbirth after the 26th week.

  • Any medical facilities such as a rehabilitation centre, where you are being treated for the use of alcohol or drugs.

  • Any claim due to depression, anxiety, stress, mental illness, suicide, and attempted suicide.

  • Any sexually transmitted diseases.

  • Any unnecessary or elective cosmetic or dental surgery.

  • Participating in any high-risk activities that are not covered by your policy or that you are paying an extra premium for.

Cooling-Off Period

You have 21-days from the date of issue of your policy Certificate of Insurance to decide if the RAC policy is right for your needs. If you decide to cancel within this 21-day period, you will receive a full refund, provided you have not yet started your trip or want to make a claim or exercise any right under the policy. You can notify RAC of your cancellation by phone or email.

How to Make a Claim from RAC

  • Provide all the necessary documentation and information for your claim to be processed, within 30-days after you return home from your trip. These include court documents, receipts, invoices, travel, and tickets.

  • All evidence of the value of the item insured or the amount of any loss should be provided to the insurer.

  • Supply all original medical and dental certificates and reports.

  • For lost or stolen luggage and personal belongings, a written police report of the incident is necessary to back up your claim.

  • Do not admit fault or liability for any claim or promise payment of any kind without prior authorisation from the insurer.

  • You will be advised of any excess payable.

  • Your claim will be processed within 10 business days of submitting a claim.

RAC Travel Insurance Contact Details

Underwriter

Tokio Marine & Nichido

Website

www.rac.com.au/travelinsurance

Enquiry Number

1300 655 179

Email Address

travelinsurance@rac.com.au

Overseas Emergency Number

+61 2 8055 1697

Claims Contact Details

Claims Web: travelinsurance.rac.com.au/how-to-claim

Phone: 1300 209 352

Email: racclaims@tmnfatravelinsurance.com.au

Mail Address: RAC Travel c/o TMNFA GPO, Box 4616, Sydney NSW, 2001

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