RAC Travel Insurance

Avoid this big time. I currently have a legitimate travel claim with the rac and their underwriter tokio marine. I was hospitalised in manila with food poisoning and I paid the near on 4k hospital bill to get out as the insurer did not help me while I was in hospital with the bill. My claim is legitamate and honest. They took my premium of over… Read more

350 dollars. Now they do not return my calls, do not return my emails and continue to ask for documents that I have sent 3 plus times. This is a scam company. My claim is still "Being processed" . I know exactly what they are doing. Look at all the other bad reviews. They are dishonest and will not help you. Avoid this company. Avoid the rac. They are fraudsters and cheats. Zero star. Bad people!!!!!!!

To be honest booking an international flight and have to make sure you all covered you need a team like yours thank you JULIE for your patience and amazing support and service we cant help thinking off advising all our friends to join RAC Show details ·  2

Should have read the reviews before giving my money to RAC who I have been a member with for 33 years. Currently battling with Tokio Marine and RAC don't want to know. Having same issues as others in the the google reviews. Tokio Marine, stall, delay, ask for un-reasonable requests, refuse to assist, and have generally caused an already… Read more

stressful incident to be over whelming. I have called RAC, emailed RAC and brought it to the attention of RAC and they simply respond, 'take your complaint to Tokio Marine, we don't provide the insurance'. RAC have been taking my money for insurance for 33 years, but this experience has left me to start looking at alternative insurance companies.

Check out YOUI for insurance on cars, houses and caravans, they have been quoting me between 30-40% less.

Be careful, RAC will sell you an insurance product which isn't worth the paper it is written on.

When I entered the shop someone directly came to meet me and asked how she could help. After a short wait, I was helped by a Travel Assistant in a very professional way. In short: as always, a very good experience. Show details ·  1

Thomas was incredibly patient and helpful: his guidance through the stages of applying for this cover was very appreciated. He resolved all the queries and concerns I had and I now feel that I can move forward with my trips with confidence knowing that this cover is now in place. Show details ·  1

The RAC team was excellent and the premium was extremely competitive.We consider the insurance coverage good value We have used RAC travel insurance for all our overseas travel and fully recommend their products. Mark and Sheila Show details ·  1

Short wait time to speak with a 'real'person. Last year I changed from another provider of travel insurance to RAC - wish I had done it years ago. Courteous, helpful and good value for money. Show details ·  1

Great at taking the insurance premium but when a claim arises the message received is "don't care/not interested - talk to the underwriter Tokio Marine" who then adopt a strategy of delay/mislead/don't respond tactics for over 6 months with what seems to be their objective - get the Insured to give up due to the wasted time/stress/anxiety… Read more

inflicted upon them. Both companies probably recognise the regulators/bureaucrats who are tasked with protecting the general public seem overwhelmed and/or not accountable, and for the hundreds of thousands of Australians having travel insurance claims - you're on your own. The RAC culture ad line 'For the better' seems to be missing 'For Us' instead of valuing their long standing customers. Resulting action - move those insurance premiums to a company that cares. Whilst everyone's situation is different, the Lessons learned - Be careful where you direct your hard earned $; Deal only with trusted companies who value their customers; Research review sites; Don't expect support from regulators/bureaucrats.

Just to note that seems like a little bit of rip off - with couples policy - ONLY I will be skiing ( additional cost add on) however the policy charges on the basis that both will ski ( a single policy sees the ski package price about half of a double policy). Surely it is simple enough to ask one more question and ask is both people skiing-… Read more

Insurance is about risk, if only one is skiing why do I pay for a non risk event being the wife not skiing ... and yes 2 individual policies is more expensive than a family double. So basically the wife has to pay skiing insurance when she will not be skiing!!! money in the bank for RAC!!

I have applied for a International Licence again and was asked what the travel dates were as part of the application yet received it with a 12 mth expiry from date of application? Why not ask the question and ask if thats the date you'd like it to start from? Blatant ripoff! So now I've paid for a 10mth licence instead of 12 mths. Why even bother asking the question when it suggests the 12mth issue would apply and be activated from travel date!? Show details

RAC travel insurance is the worst. If I could give it no stars I would. My mum got sick overseas and was sent back to Australia with a escort from a tour company saying that she was confused. Took her to emergency here and she had Covid delirium. She was covered for covid but cause she found it hard sometimes remembering things at 74 it was blamed… Read more

on memory loss? Took 6 months to get this outcome. And the cover was invalid! She wasn't diagnosed with memory loss at all before booking and paying for the holiday even got a letter from her GP because of her age to say she was fit to travel. She's more than capable doing things on her own . Living alone, no walking aids, very fit woman, still driving, cooking, playing lawn bowls. And Covid delirium is a thing as I've learnt. Anyone can get it. There was no mention of Covid in the report from Tokio marine even though she was in hospital for almost a week on anti viral medication and its plastered all over the out patients report. Even her GP for the medical report wrote it down as a new thing. What the hell RAC!! Trusted Aussie company no more. Mums a life time member I'm a gold member, as some of the other family members and friends. You have lost all of us!

Wish I had seen all these bad reviews before going with RAC, worst experience ever, pick anyone else. over 4 months later and still no money returned from claim. Just ignore until you call and then just say "oh we are still looking into it" go with someone else Show details

Delay, deny, defend. What a joke. After paying good money in premiums for my last few international trips (not to mention decades of car insurance and membership), I finally made a claim against my RAC insurance, when I suffered a near 7 hour delay for an internal flight in the Philippines, resulting in having to book a new flight entirely to make… Read more

it home from Manila. You'd think that this might come under "delay", for risks covered but no, the fact that the airline caused my loss, means RAC does not want to know. Premiums AND flight expense down the drain. There go $1000. They will not see any of my money again, including for my trips to Peru and Africa in the next two years, as well as my car insurance in future. Disgusting.

When I rang the staff member took me through the application and was very good at clarifying any queries I made. She sent me the email with the Quote & Product Disclosure document very quickly. When I rang back in the afternoon to accept the quote and pay over the phone, again the staff member was very clear in her communication with me and very… Read more

efficient with sending an email with the quote/ receipt and the Product Disclosure document. As a member using this service for the first time I was very happy. Thank you.

My experience with RAC Travel Insurance has been deeply disappointing. I purchased a policy for over $1,500, expecting reliable coverage. I submitted a claim for an amount significantly less than the policy cost in February 2024, due to a medical cancellation from a December 2023 trip. Despite providing all requested documentation, I have faced a… Read more

year of delays and vague responses. The discrepancy between the high cost of the policy and the company's reluctance to pay out a smaller claim is unacceptable. I cannot recommend RAC Travel Insurance.

RAC Travel insurance still use the underwriters Tokio Marine Company - this underwriters never approve any claims (SEE OTHER CLAIMS REVIEWS). Do not buy RAC travel insurance. RAC ask you to send any complains to them but they will never do anything so DO NOT BUY RAC TRAVEL INSURANCE and any travel insurance underwritten by TOKIO MARINE COMPANY Show details

RACWA Travel Insurance claim shock! – RAC travel insurance (bought in WA) is not through RAC. It is through Tokio Marine insurance. I had to visit a hospital in Europe and therefore make a claim. I made the claim within the 30days post travel as required. I travelled between September and October 2024. I had not received any response to my claim from my emails after clearly waiting… Read more

beyond the timeframe they had indicated I would hear from them. I sent a follow up email. Then I tried phoning the contact number given and was on hold for over an hour before I gave up. I contacted RAC claims via email and heard nothing. I phoned RAC Claims and it was pointed out to me that RAC has nothing to do with the travel insurance. I explained the scenario and I was given an email to lodge a complaint. (I stated that I wanted my complaint to be passed on to RAC bosses as it's their good name at risk.) I lodged my complaint email with Tokio Marine (as apparently they are then forced to answer it) and later received an email regarding my complaint, requesting everything I need to be able to make a claim. I replied asking which documents they have already received from me? (This was because it seemed like it was a fob off email and they hadn't looked at my claim information.) I am still waiting for a response from Tokio Marine travel insurance. (4th February 2025) You don't have to take my word for it but imho it's a case of caveat emptor (let the buyer beware!)

***The above issue has been sorted out to my satisfaction and I have since taken out another travel insurance through this company. ***

RAC travel insurance - don't use – So disappointed in RAC Travel Insurance (underwritten by Tokio Marine and Nichido). I took out Travel insurance for my trip to visit my sister in LA. As I was skiing for two days (out of 2 weeks, but rthey charge the skiing supplement for the entire duration of the trip, not just the days you ski) on that trip the policy was quite expensive. On my… Read more

last night before returning home we were out at a concert. My phone either fell out of my handbag, or potentially was stolen from my bag. I spent many hours that night returning to venues to look for it and many hours trying to finalise a lost/stolen property report with the LAPD. I was told that my claim for the cost of a replacement phone was refused because I had left my handbag with my sister and daughter while I used the bathrooms. Technically this meant that it was not on my person the entire time. Basically because I was honest when they asked if at any time I did not have the handbag with me, on my person and in my direct line of sight, (for the 5 minutes it took me to go to the bathroom) they refused my claim. So if I had just said the bag was on me the entire time but I don't know where my phone went, they would have paid the claim. I can only wonder how difficult it may be to claim more significant costs. So disappointing.

My mistake but very difficult to fix – In transition it changed to only 7 days coverage something I did , but then I tried to cancel it but the bank notice said it went to raa not Rac can you please check and advice me .please cancel policy asap and then I will do it again Show details

Dishonored claim – Terrible experience refused to honour my claim after submitting all the necessary document for 2 days delay and flight cancellations without notice, incurring extra expenses trying to call the airline on a roaming network in a foreign country. No reason was what's ever given since January 2024. Show details

Great service and so easy to get travel insurance – My customer service rep was fantastic, explained policy step by step and made it so easy! Great communication and friendly, professional manner. Got discount as a member - happy days Show details ·  1

Steer clear of RAC and Tokyo Marine Travel Insurance – RAC travel. Your claim gets palmed off to Tokyo Marine Insurance who do absolutely nothing. We put a claim in the day after arriving home. To this day I have not been contacted once by this company. I called and hounded and refused to get off the phone that somebody finally assisted and it took less than two minutes. I am now in a battle to get my… Read more

premiums refunded as they are happy to take your money but nobody actually does any work for the service you have paid for. It’s been 16 weeks and counting. If I could give them zero stars I would. We have 4 RAC policies that will all be canceled when this finally gets sorted. RAC you need to cut ties with this mob they are giving you a terrible name!

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

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

TERRIBLE, HOPELESS, UNPROFESSIONAL AND A SCAM – If I could give them a zero star I would. To document everything that has happened would take to long. Basically we made a claim when my daughter injured her knee skiing in Japan in Feb. Hopeless medical assistance o/s and you then realise it's not RAC you are dealing with but Tokio Life as the underwriter. We addressed all questions asked and… Read more

provided necessary medical report. Zero useful assistance arranging travel home. We had to organise business travel ourselves. Ironically had one person from Tokio LIfe in Australia initially whilst still in Tokyo appear helpful. We then submitted our claim on return in late Feb/early March. We are still awaiting a formal response AND this is after being told 2.5 weeks ago we would have an answer. To make it worse, the person we were dealing with who is an Assistant Team Leader has just disappeared. No answers to emails or voicemails. Nothing. I rang again and lodged a complaint last week. Supposedly that means it will be addressed by complaints team quickly - nothing at all and I mean nothing. I am out of pocket $12k waiting for them to pay us out. I STRESS AGAIN - THERE IS TOO MUCH IN OUR STORY TO WRITE IN ONE GO BUT THE COMPLETE LACK OF ENGAGEMENT AFTER OUR ORIGINAL CLAIM IS BEYOND COMPREHENSION. THEY'VE JUST DISAPPEARED AND I AM NOW GOING TO DEAL WITH RAC DIRECT TO GET THEM TO DO SOMETHING !! DO NOT BUY THIS POLICY - YOU HAVE BEEN WARNED.

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

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