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

RAC International Essentials Travel Insurance

2RAC International Essentials Travel Insurance

18 reviews

78% · 144 · 22%

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


18 reviews
LouisPerth, WA
  Verified International Essentials

Excellent support!

Expensive but I agree I need it... Perfect support from the travel person! Show details
T. Cornish
T. CornishPerth, WA
  International Essentials

Excellent product

Always good value, easy to setup, reassuring to have in place Show details
Felix S
Felix SAU2 posts
  International Essentials

Absolute waste of time

I had my phone stolen in Bali. I got a police certificate of the incident, and attained all the relevant paperwork to prove the phone was mine (purchase receipt, sim card receipt). I then cancelled my IMEI with Telstra, and gave RAC the claim number. Throughout the whole process, RAC continued to put up semantic obstructions, never responding within the allocated 10 days, in what I can only assume was an attempt to get me to give up. Despite clearly being well within my rights to claim via their company, they were extremely unhelpful when I called, and were stupidly unreasonable on the claims system. The whole thing is a scam, and would never recommend this sorry excuse for an insurance company again. Do not bother Show details
Richard G.
Richard G.Perth, WA
  International Essentials

Stolen phone, no assistance from RAC

My daughters' phone was stolen in London from a bus station. She had a couple hundred dollars to her name in cash as she had to cancel her cards that were stored on the phone. We rang RAC on her behalf and they said that she should call...really. Did not get any from RAC and $335 insurance is not worth it if they will not help people in need. To add salt to the wound, RAC phone insurance covers up to $500, take away $250 excess she is left with $250 to get a replacement phone in France. Tell me RAC what is the most likely item to be lost on an overseas trip? Show details
Customer Service
  International Essentials

Your staff Alvin Ko Zin is excellent

I wish to give our most sincere thanks to Alvin Ko Zin for helping us to buy RAC travel insurance to Hong Kong and China. He explained very clearly the different options and solve our queries very thoroughly. Hence we can buy the cover most suitable for our needs. Show details
SteffanPerth, WA2 posts
  International Essentials

More than I needed !

Just needed to be covered on the Ski slopes in Austria ! Great price for lots more cover. Show details
  Verified International Essentials

Don’t bother to reply

Took out holiday insurance, couldn’t go because Pandemic, phoned to ask if we could put the insurance on another holiday, heard nothing, sent emails, heard nothing, use them at your peril Show details
happy outcome
happy outcomeSouth West, WA
  International Essentials

will always insure with RAC

We were pleasantly surprised by the speed of our claim and refund. Rang day 1, refund in our account day 2. We always insure with the rac and will continue to do so. Show details
Cheng Lim
Cheng LimPerth, WA2 posts
  International Essentials

refund claim

It took me just over a month to secure a refund on the cancellation of my policy due to the closure of all ports by the Australian Government resulting in the non performance of the policy.

I guess the delay in processing my refund is due to the high volume of such claims for refund. Show details

  International Essentials

Insurance cancelled due to covid 19 cancelled event

Because wedding to which we were travelling to in UK was cancelled due to covid 19 we enquired if we could cancel policy. Dealt with swiftly and efficiently with just two phone calls. Full refund given. Brilliant service. Often use rac when travelling and will continue to do so. Also have rac house and contents insurance. Always easy to deal with. Show details
Graham Spencer
Graham SpencerPerth, WA
  International Essentials

Just what I need from an Insurance Company

I took out travel insurance with RAC to cover a half world cruise and more for my wife and I early in January 2020. Due to travel restrictions we were unable to travel. I thought that we had lost our premium. My wife persuaded me to ask for a refund. To my surprise I was given a full refund for the policy. Magnificent customer service that I did not expect to get from an insurance company. They were just wonderful and I got the refund within 1 week. Brilliant!! I have had all of my insurance with RAC for 47 years and this is why. Such a great company. Show details
Karen W
Karen WPerth, WA
  International Essentials

No Fuss cancellation of policy

In view of Corona Virus we are unable to travel overseas on 1.4.20 and we used the 21 day cooling off period to cancel our travel insurance. Hopefully we will be in a position to re=book in September this year! Staff at RAC were very sympathetic and helpful in our decision Show details
Value for Money
M Antonietta Schiavone
M Antonietta SchiavonePerth, WA5 posts
  International Essentials

Excellent fast online service

Have compared a few others and found your policy to be great value. Fortunately have never had to lodge a claim. Have probably used your insurance company 3 times now. Show details
AnniePerth, WA2 posts
  International Essentials

Good, but very expensive!

My travel is still three weeks in the future and hopefully,
I won’t have to make a claim. Yes, it was quick and easy to set up.
I have also purchased travel insurance from an upcoming trip tp Canada and the U.S. in April. Otherwise I have not had any previous experience with RAC travel insurance.

I was very happy to learn that RAC do not have an age limit.
Having insurance is essential to my peace of mind. Show details

Customer Service
Mark Davis
Mark Davis
  International Essentials

European trip claim

Through Tokio Marine Insurance. We had a family bereavement whilst in Europe. Tokio Marine reimbursed all unused portion of the tour and the emergency flights home. Would highly recommend them. Show details

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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 UnlimitedUnlimitedNot CoveredUnlimited
Accidental Death$15,000$25,000$25,000$25,000
Emergency Dental$2,000UnlimitedNot IncludedUnlimited
Pregnancy (max weeks) 26 weeks26 weeks26 weeks26 weeks
Resumption of Journey $1,500$5,000Not Included$5,000
Hospital Cash Allowance$3,500$6,000Not Included$6,000
Overseas Emergency Medical & Hospital ExpensesUnlimitedUnlimitedNot CoveredUnlimited
Loss of Income$5,200$10,400$5,200$10,400
Permanent Disability$15,000$25,000$25,000$25,000
Luggage & Personal Effects
Theft of Cash $250$500$250$500
Delayed Luggage $500$750$500$750
Credit Card Fraud$1,500$5,000Not Included$5,000
Travel Documents / Passport $1,500$5,000Not Included$5,000
Maximum Single Item Limit $1,500$3,000$1,500$3,000
Luggage & Personal Effects $7,500$15,000$7,500$15,000
Personal Liability $10,000,000$10,000,000$10,000,000$10,000,000
Rental Vehicle Excess $4,000$8,000$5,000$8,000
Motorbike / Moped Coverage Included for any sizeIncluded for any sizeIncluded for any sizeIncluded for any size
Domestic Pet Care Not Included$650Not Included$650
Special Activities Packages
Adventure IncludedIncludedIncludedIncluded
Snow / SkiOptional ExtraOptional ExtraOptional ExtraOptional Extra
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