2RAC International Comprehensive Travel Insurance
Part of RAC Travel Insurance 3.5 

RAC International Comprehensive Travel Insurance

2RAC International Comprehensive Travel Insurance

86 reviews

48% · 4142 · 49%

Claim Resolution Time
  • <1 week
  • 1-2 weeks
  • 2-4 weeks
  • 1-2 months
  • 3+ months
Claim ApprovedYes · No
Value for Money
Customer Service


86 reviews
Susan B.
Susan B.Perth, WA2 posts
  International Comprehensive

Super slow to process a claim

Terrible service. Nearly 3 months to settle a claim that amounted to less than $300. As a 40 year member I am very disappointed ☹️ in the service. I had ti send multiple emails which were replied to 1 month after sending 2 times. It took several calls and lodging a complaint for this to be escalated and actually settled . Each time waiting on the line at least an hour. Show details
sort it out
sort it out
  International Comprehensive

risking lives by not being contactable by hospital

My wife has been waiting for 4+ hours for RAC to approve an appendectomy after having over 24 hours from the original doctors decision that she needs one. The hospital won't give her a room or treat her until RAC approve and no one has heard from them at all. Do not use RAC travel insurance if you value your life or the life of your loved ones Show details
ChristianPerth, WA2 posts
  International Comprehensive

Won’t use them again

I booked and paid for this policy before flying on Monday the 6th of May. Today I actually received the policy document and number at 4:17pm on June 3rd. It’s was $252 for 9 days to the UK. Never again will I use RAC for this and after recent enormous car insurance increases without any claims ever I will be moving elsewhere also. I’ve recently received an email providing rebates after apparently failing to receive member discounts and therefore paying over inflated policies. Show details
John C.
John C.Perth, WA
  International Comprehensive
  International Comprehensive

International Travel Insurance

Requested a hard copy of Product disclosure statement Booklet to take O/S when traveling. Advised electronic copy only provided.
Not helpful when you do not have access O/S to this.
Pay for a product and only get electronic info.not happy. Show details
Unsatisfied customer
Unsatisfied customerPerth, WA2 posts
  International Comprehensive

Helpful and friendly

A very helpful and patient customer assistant. I recommend a gold star for his handling of my call. The policy is good value and easy to set up. I use RAC whenever I travel overseas an so does my son. Show details
  International Comprehensive

Worse travel insurance company

This is the worst travel insurance company, do not recommend! Show details
Robbie524Perth, WA3 posts
  International Comprehensive

Excellent Policy

I found the policy difficult to set up on line because of the medical questions. However on phoning RAC and speaking with Matthew it was so easy.
I have used this policy twice now. No claims to date. Show details
Value for Money
Irene W
Irene WPerth, WA2 posts
  International Comprehensive

This is perfect, so glad I’m I insure for a getaway!

Something happened to me when we were about to leave for our holiday that we needs to cancel Our policy. Very helpful n friendly staffs to guide us thru the process of getting a refund.⭐️⭐️⭐️⭐️⭐️ Show details
Lee4545Perth, WA17 posts
  International Comprehensive

Very satisfied

We recently were in a situation where flights were cancelled by the airlines and we had to completely change our holiday destination. I found that supplying the required documentation and description of what happened enabled RAC to meet our claim to our satisfaction. Show details
Customer Service
ZakPerth, WA
  International Comprehensive


Things they won't pay out on
- having to book a different flight and cancel a hotel because your airline cancels one leg of a three leg flight.
- having to change plans to avoid going to a country that was in the midst of rioting and that the government warned against traveling to. Rioting that only kicked off in the days leading up to there too, not a country/city in continual unrest

It's the old stereotype of insurance companies - any excuse not to pay. Show details

Old RAC member
Old RAC member
  International Comprehensive

Never get this insurance

Terms for unattended luggage including passports etc and loss mean claims are purely up to the insurance company “by the nature of loosing something you must leave it unattended” After hours call when passports lost was a waste of time they just read me the contract. For your own sanity look elsewhere Show details
Robert J Harris
Robert J HarrisPerth, WA5 posts
  Verified International Comprehensive

Appalling lack of customer service

I purchased travel insurance in August for a trip to NZ in December. In October my girlfriend and I parted company. When I attempted to amend the travel insurance policy I was told that first I would need a letter requesting this change from my now ex-girlfriend (Impossible!) or I would have to negotiate with the underwriters directly. RAC (who sold me the policy and happily took my money, refused to speak to their underwriters directly). An appalling lack of service and potentially illegal. I'm currently speaking with the Australian Financial Complaints Authority. Show details
Anonymous04Perth, WA3 posts
  International Comprehensive


I bought it twice.
First trip - Feb and when my luggage was missing, I cant claim anything. Even with evidences.
Second Trip - April - Flight cancelled and had to buy another plane ticket that costs higher, cant claim. Because I need to find out WHY MY PLANE WAS CANCELLED!
I bought the travel insurance twice as my trips were close together and I didnt have a chance to claim my first one thinking I will claim when I am back from my 2nd trip! Regret!!
Go with Alliance Insurance.
RAC Travel Insurance is the worse!! They use Tokio Marine!!! NEVER EVER EVER USE IT EVER!!! Show details
CatePerth, WA
  International Comprehensive

Very Disappointed Not worth the paper its written on

Our rental car was broken into as we checked in to our accomodation in the UK. Our claim for $5000+ of additional expenses due to stolen passports and delayed travel was declined due to the last piece luggage being left unattended in a locked vehicle, out of view during our check in process. I am unsure how many people actually carry 4 plus bags and cases all at the same time when checking in. RAC made it quite clear that lost or stolen passports can only be claimed if they are on your person. Unclear how you could lose a passport if its on your person. I would NOT recommend this insurance. Show details
Value for Money
Customer Service
See all RAC Travel Insurance reviews

Questions & Answers

ngaire c.
ngaire c. · International Comprehensive Travel Insurance

Seniors 78 yrs for 7 days Puket

Louise · International Comprehensive Travel Insurance

Does rac cover you for missed flights

Molly Hayes
Molly Hayes  

We got no explanation from them as to what our refund involved. It was given & that was it...End of story. Complete rip off please do your research and find the best company for your needs. Don't trust this mob.

Jeannie · International Comprehensive Travel Insurance

If Insurance taken out pre event does this cover cancellation due to WHO declaring a global pandemic?


Hi Jeanne, I suspect the answer is no... I went onto smart traveller and also asked the question...came up with no. Based on this I have just cancelled my own trip.


Compare all RAC Travel Insurance listings
CategoryTravel InsuranceTravel InsuranceTravel InsuranceTravel Insurance
Other Insurance Types Offered Car, Health, Home and Contents, Life and PetCar, Health, Home and Contents, Life and PetCar, Health, Home and Contents, Life and PetCar, Health, Home and Contents, Life and Pet
UnderwriterTokio Marine & Nichido Fire InsuranceTokio Marine & Nichido Fire InsuranceTokio Marine & Nichido Fire InsuranceTokio Marine & Nichido Fire Insurance
Maximum Age Covered 110 years old110 years old110 years old110 years old
Medical Coverage
Overseas Emergency Assistance UnlimitedNot CoveredUnlimitedUnlimited
Accidental Death$25,000$25,000$15,000$25,000
Emergency DentalUnlimitedNot Included$2,000Unlimited
Pregnancy (max weeks) 26 weeks26 weeks26 weeks26 weeks
Resumption of Journey $5,000Not Included$1,500$5,000
Hospital Cash Allowance$6,000Not Included$3,500$6,000
Overseas Emergency Medical & Hospital ExpensesUnlimitedNot CoveredUnlimitedUnlimited
Loss of Income$10,400$5,200$5,200$10,400
Permanent Disability$25,000$25,000$15,000$25,000
Luggage & Personal Effects
Theft of Cash $500$250$250$500
Delayed Luggage $750$500$500$750
Credit Card Fraud$5,000Not Included$1,500$5,000
Travel Documents / Passport $5,000Not Included$1,500$5,000
Maximum Single Item Limit $3,000$1,500$1,500$3,000
Luggage & Personal Effects $15,000$7,500$7,500$15,000
Personal Liability $10,000,000$10,000,000$10,000,000$10,000,000
Rental Vehicle Excess $8,000$5,000$4,000$8,000
Motorbike / Moped Coverage Included for any sizeIncluded for any sizeIncluded for any sizeIncluded for any size
Domestic Pet Care $650Not IncludedNot Included$650
Special Activities Packages
Adventure IncludedIncludedIncludedIncluded
Snow / SkiOptional ExtraOptional ExtraOptional ExtraOptional Extra
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