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RACQ Travel Insurance

Disclaimer:

RACQ 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.

Policy Options Available From RACQ Travel Insurance

International Premium: Maximum cover for your overseas trip, covering medical and hospital expenses, cancellation fees and lost deposits, lost or stolen luggage, and many more benefits.

International Standard: This a middle of the range policy, offering a wide range of benefits, but at a more affordable price range than the premium. You are covered for unlimited overseas medical expenses, travel agent fees, lost or stolen luggage, and lots more.

International Saver: This is a great option for the budget-conscious traveller. It offers unlimited overseas medical cover, lost or delayed luggage cover, emergency expenses, personal liability, and other benefits.

Annual Multi-trip: Perfect for the frequent traveller, this options provides comprehensive cover over a 12-month period, for as many trips as you need.

Domestic: A comprehensive policy for trips within Australia. Offering unlimited cover for cancellation fees and lost deposits, lost or stolen luggage, travel agent fees, emergency expenses, and much more.

Benefit

International Premium

International Standard

International Saver

Annual Multi-Trip

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

$1,5000

-

$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 Car 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

-

Unlimited

-

Equipment Hire

$2,000

$1,000

-

$2,000

$1,000

Ski Pack

$1,000

$500

-

$1,000

$500

Piste Closure

$1,000

$500

-

$1,000

-

Bad Weather and Avalanche

$1,000

$500

-

$1,000

$500

Lift Pass

$500

$250

-

$500

$250

Cooling-Off Period

If you are not satisfied with the policy benefits available to you once you have purchased an option, you have 21-days to cancel your policy with RACQ travel insurance. This is known as the cooling-off period. Provided you have not yet started your trip, and do not want to make a claim or exercise any other right under your policy, you will receive a full refund from RACQ.

Pre-Existing Medical Conditions Covered by RACQ

RACQ travel insurance policies do not cover all pre-existing medical conditions or all stages of pregnancy. The following conditions are covered by RACQ:

- Acne

- Allergies

- Hay Fever

- Asthma

- 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, including Hashimoto’s Disease

- 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 from all RACQ Policies

  • Travelling against medical advice.

  • Travelling for a condition to seek medical treatment or review.

  • Any condition or illness for which you are awaiting surgery. Treatment, investigation, or procedures.

  • Pregnancy or childbirth after the 26th week.

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

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

  • Claims arising from terrorism, natural disasters, or health concerns in a country or area where an advance warning was given by the Australian Government for travel.

  • Driving a vehicle without a valid Australian license or IDP for the country you are in.

  • Any claims related to a pre-existing medical condition not covered by the policy.

  • Participating in any high-risk activities that are not covered by the policy.

  • Any claims related to cosmetic suregery or other elective surgery that is not medically necessary.

  • Suicide or attempted suicide or other bodily harm.

  • Any claims related to depression, anxiety, stress, or mental condition.

  • Sexually transmitted diseases.

The Claims Process for RACQ Travel Insurance

  • You need to submit your claim within 30-days after you return from your trip.

  • Provide as much information and supporting documentation as possible. Including police reports, medical reports, receipts, proof of cost evaluations, travel itineraries, and any other information you can provide.

  • Do not promise payment or offer money of any kind without prior authorisation from RACQ.

  • Submit your claim online via the RACQ website, telephone, post, or email.

  • Your claim will be processed within 10 business days.

RACQ Contact Details

Underwriter

Tokio Marine & Nichido Fire Insurance Co. Ltd

Website

www.racq.com/travelinsurance

Email Address

racqsales@tmnfatravelinsurance.com.au

Enquiry Number

1300 338 821

24-hour Overseas Emergency Number

+61 2 8055 1696

Claims Website

racq.tmnfatravelinsurance.com.au/how-to-claim

Claims Contact Number

1300 207 371

Claims Email Address

racqclaims@tmnfatravelinsurance.com.au

Claims postal Address

RACQ Travel Insurance c/o TMNFA

GPO Box 4616,

Sydney NSW 2001

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