2RAC Travel Insurance

RAC Travel Insurance


251 reviews · Statistics

63% · 15780 · 32%

Claim Resolution Time
  • <1 week (7)
  • 1-2 weeks (11)
  • 2-4 weeks (11)
  • 1-2 months (10)
  • 3+ months (12)
Claim ApprovedYes (30) · No (25)
Value for Money
3.5 (140)
3.4 (119)
Customer Service
3.6 (144)
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RAC Travel Insurance251 reviews
Maggie T
Maggie TWAPerth, WA3 posts
  Domestic Comprehensive

Totally disappointed

I tried to pay for a policy and received a message that there was a problem with my quote so I then chose another provider. I did try to phone RAC just before 5pm (WA time) but was told it was outside their hours and to phone on Monday. In the meantime I insured elsewhere and later received an email with details of an RAC policy which I asked RAC to cancel. Terrible customer service. Show details
Bentleypowers2 posts
  RAC Travel Insurance

Zero communication and customer service

Absolutely terrible and a waste of time and money. Jetstar cancelled our flight at the gate due to a fuel issue. I lodged our claim in Nov 23 now Feb 24 and haven't had a reply. Claim is open and unresolved
The phone options run you around in circles, never resulting in a person taking the call. Multiple emails unanswered, web enquiries don't go anywhere. Absolutely frustrating. I uploaded all the required documents, filled out all the forms, gave all supporting documents from Jetstar and nothing. We are now changing our house and vehicle policies due to the poor management of our claim. Show details
  International Comprehensive

Worse travel insurance company

This is the worst travel insurance company, do not recommend! Show details
Robbie524WAPerth, 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
Customer Service
Irene W
Irene WWAPerth, 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
Lee4545WAPerth, WA16 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
Value for Money
Customer Service
T. Cornish
T. CornishWAPerth, WA
  International Essentials

Excellent product

Always good value, easy to setup, reassuring to have in place Show details
ZakWAPerth, 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

Ben H.
Ben H.
  Annual Multi-Trip

Poor customer service, and poor followup

Before even filing the claim, at the time of incident, not very helpful. 2 calls and in both situations they had system issues.
After filing a claim, we were happy to wait 10 business days for a response. But if we did not follow up 20 business days later we fear there would be no response (PS, even this required 2 phone calls to catch the right person at the right time). You would think that the first follow up would ensure follow up is completed the second time. Not a snowflakes chance in hell. The second followup was required at 15 days later.
Disappointing customer service. Show details
Value for Money
Customer Service
Still_WaitingWAPerth, WA
  Domestic Comprehensive

Still waiting for an answer

Put in a claim for a basic cancelled flight occurrence. Checked with them at the time if the occurrence would qualify, which they said it did.
4 Months later we are still waiting for an answer. We have been contacted twice asking for the same information, which we supplied, but still no answer on the claim...
Can't recommend this insurance. 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 HarrisWAPerth, 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
Anonymous04WAPerth, 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
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
CateWAPerth, 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

Questions & Answers

patrick sim
patrick sim · RAC Travel Insurance

what is the amount of alcohol allowed in your system for medical only insurance and is there an alternative cover as most people drink on holidays.....

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.

See all RAC Travel Insurance questions


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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Contact info for RAC Travel Insurance

  • ABN: 17009164176

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