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Travel insurance

RAC Comprehensive review

One trip policy..

This is the provider of the insurance product and correlates with the Financial Services Provider (FSP) as registered with the Australian Financial Complaints Authority. You can look up your insurer's provider in the AFCA comparative tables to see how common it is for consumers to bring a travel insurance dispute to AFCA about them.

In years (up to and including the number stated). For policies listed as '100+', there is no age limit.

Maximum age for dependants listed on the policy. In years (up to and including the number stated).

Does the policy list pre-existing medical conditions that are automatically covered.

Does the policy cover pre-existing medical conditions that are not listed as automatic cover on the policy (on application and subject to approval)

The lower the number, the better. It's the time period before booking your trip that a medical condition would be covered if you've had no symptoms,  medication or treatment (as long as that condition isn't specifically excluded). If for example, your condition last showed symptoms 18 months ago, but the time period here is 12 months, then you'll be covered subject to the other conditions of the policy.

Are claims covered that arise from pregnancy or pregnancy complications?

Until which stage pregnancy is covered for single births (up to and including).

Are medical costs covered for the mother if childbirth occurs up to the maximum pregancy stage

Limit for medical and emergency evacuation and repatriation expenses for illness or injury.

Expenses for an accompanying person such as a member of the travelling party, a friend or a close relative (not necessarily listed as insured on the certificate of insurance) to travel to the sick policyholder overseas, remain with them in hospital and accompany them home during an emergency repatriation.

Daily hospital cash allowance per person.

Minimum number of hours the insured must be continuously hospitalised before receiving the hospital cash allowance.

Limit for dental as a result of an accident.

Limit for dental as a result of sudden and acute pain.

Limit for overseas funeral costs and the return of mortal remains per deceased person, in the event of the death of the policy holder. There may be a separate limit for 'return of mortal remains' and 'overseas funeral costs', so check the policy terms for more details.

Limit for additional accommodation and travel expenses if the policy holder cannot travel due to injury or sickness.

The limit for additional travel expenses per person if travel is interrupted by an insured event (not including injury or sickness as that is covered separately under 'Additional travel expenses for injury or sickness'). Cover is assessed on individual circumstances.

Whether the policy covers you for additional travel expenses per person if travel is interrupted due to a lost or stolen passport or travel documents. Cover is assessed on individual circumstances.

Whether or not the policy covers you for additional accommodation and travel expenses if you need to curtail travel due to the serious illness or injury of a relative at home. May be subject to assessment of pre-existing conditions for the relative.

Limit for resumption of a journey interrupted due to the serious illness, injury or death of a relative. May be subject to assessment of pre-existing conditions for the relative. Check the policy terms for more details. 'Cancellation cover chosen' means variable cover options are available.

Whether the policy covers you for cancellation or amendment expenses.

Limit for cancellation or amendment expenses. 'Cover chosen' means variable cover options are available.

Limit for cancellation expenses for transportation bought using frequent flyer points.

Limit for travel agent cancellation fees.

Whether the policy covers you for losses arising out of insolvency of a travel services provider (e.g. airline, accomodation provider, bus line, shipping line, railway company, motor vehicle rental agency). Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to insolvency of a travel agent. Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to unexpected/involuntary retrenchment. Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to cancellation of pre-arranged leave from work for members of the Defence Force and Federal, State or Territory Emergency Services. Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to cancellation of pre-arranged leave from work for non-emergency services occupations. Cover is assessed on individual circumstances.

Are stolen or damaged personal belongings covered

The overall limit for stolen or damaged personal belongings.

Limit for a single unspecified item.

Limit per item for a video or photo camera. Cover is assessed on individual circumstances.

Limit for a laptop or tablet. Cover is assessed on individual circumstances.

Limit for a smartphone. Cover is assessed on individual circumstances.

Limit for any prescribed medications. Cover is assessed on individual circumstances.

Overall limit for specified items, available for an extra premium. Cover is assessed on individual circumstances.

Cover for belongings locked in a luggage compartment of a car out of sight during the day. Cover is assessed on individual circumstances.

Cover for belongings locked in a luggage compartment of a car out of sight overnight. Cover is assessed on individual circumstances.

Cover for valuables such as laptops, tablets, mobile phones, jewellery or cameras locked in the luggage compartment of a car. Cover is assessed on individual circumstances.

Cover limit per person for lost or stolen cash. Cover is assessed on individual circumstances.

Overall limit for a single person for baggage lost temporarily. Cover is assessed on individual circumstances.

The minimum period of time in hours before which cover applies for temporarily lost baggage. Cover is assessed on individual circumstances.

Limit for additional travel expenses to reach a special event such as a wedding, conference or sporting event on time if the scheduled transport is cancelled or delayed.

Limit for additional travel expenses to reach pre-paid travel arrangements on time if the scheduled transport is cancelled or delayed. Cover is assessed on individual circumstances.

Whether the policy is automatically extended if your journey is extended due to unforeseen circumstances.

Limit for additional meal and accommodation expenses if scheduled transport is delayed.

The minimum number of hours before transport delay is covered. Cover is assessed on individual circumstances.

Limit per person per 24-hour period for this transport delay. Cover is assessed on individual circumstances.

Is the collision damage excess for a hire car covered?

Limit for collision damage excess for a hire car. Cover is assessed on individual circumstances.

Does the policy cover cancellation and additional expenses for claims due to transport incidents like mechanical breakdown and accidents?

Does the policy cover cancellation and additional expenses for claims due to strikes?

Does the policy cover claims due to mental health illness experienced for the first time on the trip, and not classified as an ongoing or existing medical condition?

Does the policy cover claims due to COVID-19?

Does the policy cover claims due to pandemics other than COVID-19?

Does the policy cover claims due to natural disaster?

Does the policy cover claims due to civil unrest?

Does the policy cover claims due to terrorism?

Does the policy cover claims due to war?

Average rating

Compare international travel insurance 2024 | choice.

RAC Travel Insurance Review

Everything you need to know before you buy travel insurance from RAC!

The experts say:

What rac customers are saying right now:.

• 🤩 Quick and easy to set up a policy
• 🤗 Customer service is helpful in getting the policy set up
• 🤝 Polices can be changed mid-term with minimal admin costs
• 😊 Changes are done quickly and easily
• 😍 Customers have access to a variety of affordable insurance options
• 😠 RAC charge a £25 admin fee to change a first name, which many people find unacceptable.
• 😡 They have a complaints procedure that is geared towards them and not the customer, and they are unwilling to make changes to policies without additional fees.
• 😤 They are very unhelpful on the phone and do not treat customers fairly.

RAC customer reviews summary

It's difficult to differentiate between customer reviews for RAC's core breakdown insurance offering and reviews for its travel insurance products. That said, it seems that in general customers are happy with the quality of RAC's products and the process of setting up, but rather less satisfied with the service they receive once the policy is in force. On that basis, we rate it 6/10.  

Deep-dive into RAC Black Travel Insurance

• RAC's Black travel insurance policy that has been awarded a rating of four stars by Fairer Finance.
• This policy does not require a medical excess fee in the event of a claim.
• Customers are covered up to £3,000 for personal possessions and baggage that have been damaged, lost or stolen.
• The policy also provides cover up to £7,500 if customers need to cancel their trip before they have set off.
• With regards to emergency medical cover and repatriation , the policy offers unlimited coverage.
• Interestingly, the policy does not cover mental health problems that might arise during the trip, ior pre-existing issues.
• Personal money cover is provided up to £750 in case of loss or theft.
• The policy encompasses up to £750 coverage for replacing lost or stolen passports and travel documents, which includes travel expenses to retrieve the documents.
• If the trip needs to be cut short, pre-booked flights and accommodations will also be covered up to £7,500.
• A similar cover limit is provided for instances where the trip has to be abandoned due to long delay.
• Note that the policy does not provide cover for relocation costs due to a natural disaster or catastrophe.
• Coverage for personal possessions damage or destruction caused by a natural disaster isn't explicitly stated on this policy.
• Finally, the maximum trip duration under complete coverage is 92 days .

AllClear Travel Insurance Review

Everything you need to know before you buy travel insurance from AllClear!

Co-op Insurance Services Travel Insurance Review

Everything you need to know before you buy travel insurance from Co-op Insurance Services!

Covered2Go Travel Insurance Review

Everything you need to know before you buy travel insurance from Covered2Go!

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RAC Travel Insurance

Our verdict: rac travel insurance has high limits and broad cover, particularly for covid-19, financial default, and legal liability..

In this guide

Summary of RAC Travel Insurance International Comprehensive policy

How does rac travel insurance cover covid-19, what policies does rac offer, here's a breakdown of rac travel insurance features, standard features, optional add-ons, how to make an rac travel insurance claim, here's the bottom line about rac travel insurance, frequently asked questions, request travel insurance quotes and compare policies.

Destinations

• RAC offers up to $10,000 protection against financial default, which is one of the rarer benefits within travel insurance.
• A broad range of risks related to COVID-19 are covered, with the RAC among the most comprehensive in the market.
• Pregnancy is not covered after the 25th week and multiple pregnancies require a medical evaluation at any stage.
• Although RAC's COVID-19 cover is broad, it's capped at $3,500 which could leave some travellers out of pocket.

Compare other options

Table updated October 2023

RAC offers a broad range of cover for risks related to COVID-19. Here's what you can expect:

• Overseas medical, hospital, and emergency expenses if you contract COVID-19.
• Cancellation fees and lost deposits if you have to cancel or cut short your trip due to a COVID-19 related event outside of your control.
• Cancellation fees and lost deposits if you or a travelling companion are diagnosed with COVID-19 and you have to cancel or rearrange your trip
• Relevant costs if a close relative or business partner is hospitalised or dies due to COVID-19 and you have to cancel, reschedule or return home early.
• Relevant costs if you are permanently employed as a healthcare worker and your pre-approved leave is cancelled due to COVID-19.
• Relevant costs if a pre-paid tour is cancelled due to your tour guide contracting COVID-19
• Relevant costs if you're not permitted to board scheduled public transport due to you being suspected of having COVID-19
• Relevant costs if your accommodation is closed due to an outbreak of COVID-19 or necessary cleaning due to COVID-19
• Childcare costs if you're unable to take care of your dependant children due to contracting COVID-19 on your trip.
• Pet care costs if you're unable to return home on your scheduled date due to contracting COVID-19 on your trip.
• Transport of your remains or funeral costs if you die as a result of COVID-19 during your trip.

What do Australians think of RAC travel insurance?

• 4.48/5 overall for Customer Satisfaction — higher than the average of 4.26, and this was the highest score in the category
• 4.76/5 for Trust — higher than the average of 4.57, and this was the highest score in the category
• 4.49/5 for Customer Service — higher than the average of 4.2, and this was the highest score in the category

Based on RAC travel insurance scores in Finder's 2024 Customer Satisfaction Awards .

RAC offers five insurance policies to travellers. Comprehensive, Essentials, Medical Only, Annual Multi-Trip, and Domestic.

Comprehensive

Medical Only

Annual Multi-Trip

The insurer of this product is Tokio Marine & Nichido. It comes with a cooling-off period of 21 days and choice of $250 standard excess for international plans.

These are some of the main insured events that RAC will cover. Some of these benefits may only apply on the Comprehensive International policy.

• Overseas medical treatment
• Lost, damaged or stolen property
• Trip cancellation or amendment
• Additional accommodation and transport
• Rental vehicle excess
• Theft of money
• Luggage and travel delay
• Emergency dental costs
• Kidnap and hijack
• Personal liability
• Permanent disability
• Accidental death

RAC also offers some add-ons that provide cover for a wider range of risks.

• Ski and Winter Sports Cover. Extend your policy to include snow spots and get protection for specific risks such as piste closure, lost lift pass, or avalanche.
• Cruise Cover Extends your insurance policy to cover cruises.

Unfortunately, travel insurance doesn't cover everything. Generally, RAC will not pay your claim if it relates to:

• Unlawful, wreckless or unreasonably unsafe behaviour by you
• Behaviour while you were drunk or under the influence of drugs
• Expenses related to a pre-existing medical condition not listed on your policy
• An act of war, invasion or revolution
• You being unfit to travel or travelling against medical advice
• Childbirth or pregnancy complications after the 25th week of gestation
• A multiple pregnancy without a medical assesment
• An elective medical or dental treatment , cosmetic procedure or body modification (including tattoos or piercing)
• Self-inflicted injury or illness, suicide or attempted suicide

Make sure you review the RAC PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions .

The quickest way to lodge your claim is online. You'll need to register with the email address you used to purchase your policy. Once registered, set up your password and complete your claim details by answering all sections.

Once submitted, your claim will be assessed within 10 working days.

Alternatively, you can call RAC on 1300 209 352 or email RAC at [email protected].

RAC offers strong protection across the board, at a reasonable price point.

In regards to COVID-19, a wide range of scenarios are covered but claims are capped at $3,500 which could leave some travellers out of pocket.

Lots of adventure activities, and even scooter and motorbike riding, are covered as standard, which is good news for many adrenaline-fueled but budget-conscious travellers. However, there's no option to add a specific adventure pack so be sure to check exactly which activities are covered and any requirements attached.

If you're still not sure about RAC Travel Insurance, you can compare other travel insurance companies here .

Are my children covered by RAC travel insurance?

Your children and your grandchildren are covered for free if they are 25 years old or younger, are financially dependent on their parents, are not working full time, do not require a medical assessment, are travelling with you the whole time, and are listed on the certificate of insurance.

Is there an age limit for RAC travel insurance?

No, as long as you're over 18 and meet the other requirements listed in the PDS, you can get cover..

Does RAC cover cruises?

RAC does not offer specific cruise cover. If you are going on a cruise which stops at other countries, you will need to select International Cover and list each country where the cruise stops.

Add kids under the age of 1 by typing a “0” 0 traveller(s)

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Compare other products from RAC

• RAC personal loans
• RAC home insurance
• RAC car insurance
• RAC pet insurance
• RAC life insurance
• RAC landlord insurance

Nicola Middlemiss

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio

• Personal finance
• Personal insurance, including car, health, home, life, pet and travel insurance
• Commercial business insurance

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Amendment or Cancellation cost: If a close family member got very sick and I decided not to go on trip, would the policy cover this

Thanks for your question.

Your cancellation will depend on your policy exclusions stated with RAC. If you were aware of any reason, before your period of insurance commenced, that may cause your trip to be cancelled, you may not be covered.

The exact definition of a relative for each travel insurance policy will vary from insurers. Moreover, there are many policies that will cover you for amendment and cancellation costs due to family emergencies.

Please make sure to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statements before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

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RAC Travel Insurance Review

Marvin's low-down on Travel Insurance from RAC

The experts say:

RAC's Black Travel Insurance offers comprehensive coverage with a 72% score awarded by Which? and 36th ranking out of all 71 providers. The Covid Cover rating is Superior, with Medical expenses cover set at an Unlimited amount and airline failure included as standard. Baggage cover is £3000, Cancellation cover is £7500, and the Excess payble on medical claims is £0. Fairer Finance Rating for this policy is 4 stars. Overall RAC's Black Travel Insurance offers great coverage for a reasonable price point and the Fairer Finance Rating of 4 stars is indicative of a good value policy. In addition to the generous cover amounts, customers will appreciate the fact that airline failure is included as standard, something which can provide invaluable peace of mind when booking flights abroad. Highly recommended!

What RAC customers are saying right now:

• 🔹Generally reliable customer service
• 🔹Fair initial prices for new customers
• 🔹Helpful accident helpline
• 🔹Good communication and care in customer service
• 🔹Reasonable refund timescales
• 😡 Poor customer care and lack of communication
• 😤 Unfair and unjust renewal price increases
• 🤬 Substandard service and incompetence resulting in financial penalty

RAC customer reviews summary

RAC has been receiving a lot of negative reviews from customers, from long waits to get through on the phone, unfair price increases and terrible customer care. From poor communication to being redirected multiple times, RAC seems to be lacking in both service and care for their customers. Based on these reviews, RAC scores a dismal 2 out of 10.

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RAC Travel Insurance Review and Quotes

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Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.

Table of Contents

It might be the least exciting thing about your journey. But travel insurance is a must-have when it comes to getting assistance from the other side of the world.

Are you aware of this and are here to know whether RAC is the right company to go on holidays with?

In this definitive RAC review, we will tell you everything you need to know about their travel insurance policies: coverage options, prices, contact details, cancellation or claim process and much more. Let’s dive in!

Is RAC the best travel insurance for you?

Always just going for the cheapest travel insurance might not be the best option when it comes to getting assistance or a refund abroad.

At Safe, we strive to help any people travelling from the UK to get the best travel insurance to leave home with complete peace of mind. This is why we’ve dug into RAC travel insurance policy booklet and attributed our own neutral rating based on five weighted criteria as shown below.

4,6 Safe overall rating for RAC

RAC travel insurance reviews by expert and consumers

To check if RAC is the right travel insurance for you, you can use our free travel insurance comparison tool and get quotes from main travel insurance companies in a few seconds only. 100% anonymous and free.

Find the best travel insurance in just a few seconds!

What does RAC travel insurance cover?

RAC travel insurance offers different travel insurance covers to suit any traveller needs, whether you’re leaving for three days alone in Scotland or six months in Antarctica with your partner or whole family.

RAC's Travel Insurance Policies is available for individuals, groups, couples and families.

RAC single-trip and annual multi-trip travel insurances

You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at RAC:

RAC winter sports travel insurancet

The winter sports travel insurance is usually an option that you can take on top of your single or annual multi-trip policy.

Optional Winter Sports Cover is available at RAC and it comes with the following features and benefits:

• Up to 3 levels of cover: Orange, Silver, and Black
• Not available for anyone over the age of 65 years
• Up to £1,000 for winter sports equipment accidentally damaged, lost or stolen
• Up to £400 for replacement hire of winter sport equipment after yours was stolen, lost or damaged
• Up to £400 per single winter sport equipment item
• Up to £50 for each day (maximum £300) to hire replacement winter sport equipment due to delay
• Up to £50 for each day (maximum £400) ski pack cover
• Up to £50 for each day (maximum £400) piste closure cover
• Up to £25 for each day (maximum £500) avalanche or landslide cover
• Up to £500 for physiotherapy in the UK.

What are the other travel insurance options available at RAC?

Due to Brexit, some outbound flights from international airports might be delayed or cancelled. We would advise you to call RAC before travelling and make sure you get the right compensation amount for your flight or journey if it is cancelled or delayed as well as for Schedule Airline Failure Cover.

How much is RAC travel insurance?

You'll find below indicative quotes per level of cover at RAC:

It is, however, quite difficult to give precise price ranges as RAC travel insurance policy quotes will depend on a range of factors such as:

• Your age at the time of travelling
• The length of your stay
• Your trip destination (Europe, North America, Worldwide)
• The period you wish to be covered for (single trip, annual multi-trip, extension)
• If you need specific insurance (cruise, ski, backpackers, gadget cover)
• Your medical condition before travelling
• Who is travelling with you (on your own, as a couple, as a family).

Can I get travel insurance discounts or promo codes at RAC?

Yes, you can get up to 10% discount if you apply online. You can also get more discounts if you happen to be the company's car insurance customer.

Use our travel insurance comparison tool to be aware of latest promo codes and vouchers available at RAC.

What else should I know about RAC travel insurance?

What are the general exclusions at rac travel insurance.

The following are important reminders to keep in mind to maintain the validity of your insurance policy:

• You must be a resident in the UK
• You must be registered with a GP
• Your trip must commence and end in the UK
• You must keep the age limits in mind for each policy in mind and ensure that you don't surpass it
• Single parent cover is applies to the parent and up to 5 children aged 17 and under
• The upper age limit for Winter Sports is 65 years.

How do I get travel insurance quote from RAC?

Nothing easier. Use our 100% online travel insurance comparison tool to compare all policies in just a few seconds, without giving any personal details. If RAC is the right one for you, then just click on get quote and you'll be automatically directed through the company's sale channel.

Good to know

Shopping around while shopping for personal insurance and not auto-renewing is always the best way to get the best deal and benefit from new customers discounts.

How do I log in to RAC website?

Through the customer portal, you can:

• Access all your policy documents and details
• Make changes to your insurance policy online
• Make a payment of change payment method.

To access the customer portal, just click on 'MyRac' on the top right of the homepage. It will lead you to a page where you'll enter your email address and password to log in.

How to claim at RAC travel insurance?

There are 4 ways to make a claim: Phone call, email, online or sending a letter.

How do I contact RAC travel insurance?

Rac contact phone numbers, rac other contact details, how to cancel your annual rac travel insurance policy.

You will find below main information to cancel your travel insurance policy at RAC:

Our opinion on RAC travel insurance

RAC was founded in 1987 making it one of the most experienced companies in the insurance industry.

Aside from Travel Insurance across 3 levels: Orange, Silver and Gold, they also offer Car Insurance as well as Breakdown Cover. Car Insurance customers are eligible for discounts on the Travel Insurance Policies offered by RAC. Due to the high customer satisfaction rate on Trust Pilot and the 5 star rating on Defaqto, we would recommend RAC for anyone looking for generously discounted travel insurance premiums.

We would mainly recommend the Silver and Black levels of cover due to their 5 star rating on Defaqto.

Nishadh Mohammed is a seasoned news editor and financial writer, working with HelloSafe since May 2023. Nishadh has developed expertise in financial markets, insurance, and investment products, with a deep understanding of the Canadian financial landscape. He has honed his SEO skills and content marketing strategies while writing for Canadian publishing houses. Armed with a master's in Business Analytics and extensive journalistic experience, Nishadh uniquely combines data proficiency and thorough research to deliver comprehensive and accessible information.

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RAC: Travel Insurance reviews

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About the Travel Insurance

Whatever your travel plans, you need a suitably robust insurance policy to protect you against unforeseen circumstances. Check out our RAC travel insurance reviews to find out what genuine customers think of RAC’s policies, and shop with confidence. Founded in 1897 as an automobile club, RAC has developed over time to offer a range of motor services, alongside a variety of insurance policies. RAC now provides cover for the home, motorbikes, legal expenses, personal accidents and travel insurance. RAC offers single trip, annual travel and family travel insurance policies with policies to please everyone. See what genuine customers have to say about RAC by reading the reviews on Smart Money People. RAC offers three levels of cover available with varying benefits, so you only pay for what you need. Check out our RAC travel insurance reviews to find out how satisfied customers have been with their chosen level of cover. Have you taken out a travel insurance policy with RAC? Share your experience with our Smart Money People community to help us improve trust and transparency in financial services. Did you make a claim on your policy, and if so, how well did RAC deal with it? Were you satisfied with the level of cover you received for the cost of the policy? Whether good or bad, we want to hear from you! Write a RAC travel insurance review today.

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Is Travel Insurance Worth It in July 2024?

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Table of Contents

What does travel insurance cover?

What does travel insurance not cover, when is travel insurance not necessary, when is trip insurance worth it, where to buy travel insurance, how much does travel insurance cost, should you rely on credit card travel insurance instead, so, is travel insurance worth it.

Travel can be expensive. Insurance protects your nonrefundable vacation investment if the unexpected occurs. But is travel insurance worth it?

The answer will depend on whether your trip is refundable, where you're going, whether you'll have health coverage at your destination and how much coverage you already get from your credit card. Here are some key topics to understand when deciding if travel insurance is right for you.

Travel insurance (or trip insurance) covers a number of travel-related risks, from flight cancellations to lost bags to medical emergencies.

Accidental death insurance .

Baggage delay and lost luggage insurance .

Cancel for Any Reason insurance .

Emergency evacuation insurance .

Medical insurance .

Rental car insurance .

Trip cancellation insurance .

Trip delay insurance .

Trip interruption insurance .

The dollar amount of your coverage depends on the policy you bought and where and when you bought it. Most travel insurance providers offer several different policies to choose from, with higher or lower levels of coverage and higher or lower prices to match.

» Learn more: What to know before buying travel insurance

You can buy policies that cover a single trip, multiple trips or a full year. You can buy an individual policy or one that covers your entire family. There are many companies that offer policies, with Allianz and Travel Guard among the best-known. Here is a chart showing the benefits and coverage levels available on some Allianz policies.

NerdWallet recently analyzed various travel insurance policies to help you choose the plan that best aligns with your travel goals. Check out our results here: Best Travel Insurance Companies Right Now .

» Learn more: Does travel insurance cover medical expenses?

Incidents not covered by your travel insurance vary by policy and provider.

Pre-existing medical conditions are often excluded from coverage, meaning your benefits don't apply to claims related to that condition. Some policies cover pre-existing medical conditions if you meet certain criteria, for example if you purchased the policy within 14 days of paying for your trip and if you were well enough to travel when you booked your trip.

» Learn more: The best travel credit cards might surprise you

Plan on mountain-climbing or engaging in other dangerous activities on your trip? Many policies won't cover you if something goes wrong unless you buy a policy that specifically includes adventure sports. World Nomads travel insurance , for example, offers the Explorer plan, which includes coverage for cave diving, cliff jumping, heli-skiing and many other activities that are considered risky.

Other incidents excluded from a trip insurance policy may involve war, acts of terrorism and the use of alcohol, which can cause your injuries to be designated as "self-inflicted," or the use of drugs, which may be illegal.

If you want full flexibility to cancel your trip you'll need to find a policy that allows you to purchase a Cancel For Any Reason (CFAR) add-on. This additional benefit does exactly what the name implies and allows you to cancel your trip for any reason. Typically, you'll get around 75% of your prepaid nonrefundable trip expenses back, although exact timing and percentages vary by policy.

» Learn more: Cancel For Any Reason (CFAR) travel insurance explained

Travel insurance primarily covers two aspects of your trip — your nonrefundable reservations and your medical expenses while traveling.

If all of your reservations can be canceled without penalty, then trip cancellation or trip interruption coverage isn't necessary. But even if your trip isn't 100% refundable, insurance may not be necessary. For example, a cheap flight and hotel stay may not be worth covering, though you may still want to purchase travel insurance for medical situations.

Medical coverage typically is not necessary if you have a U.S.-based health insurance policy and you're traveling within the U.S. In those cases, you probably already have adequate coverage for illness or injury.

There are a few reasons that travel insurance can be worthwhile: to protect your nonrefundable trip costs, your luggage or your health.

When should you get trip cancellation and/or trip interruption insurance?

If you would lose the money you paid for your flights, accommodations, rental car, or activities if you had to cancel or go home early, travel insurance that specifically includes trip cancellation and trip interruption is probably a good idea. If your trip is canceled or interrupted for a covered reason, this protection will cover your reservations.

For example, if you're planning to travel to a destination that could have weather-related issues, like hurricanes in the Caribbean, travel insurance may protect your noncancelable reservations. Some policies also provide emergency evacuation to escape dangerous situations. However, if you try to purchase travel insurance after the storm poses a risk, the insurance probably will not protect you.

When should you get baggage delay and/or lost luggage coverage?

Imagine if you go on a one week trip and your checked baggage is lost or delayed. While you’re waiting to get your luggage, baggage delay insurance will reimburse you for any essentials (i.e. toiletries, medicine, socks, clothing, etc.) that you may need to purchase because you don’t have your own things.

But what if the worst case scenario happens and your bag is just lost or stolen? Lost luggage insurance will reimburse you for your misplaced bag, up to a specified dollar amount.

If you’re only traveling with a carry-on, you don’t need these two types of coverage.

When should you purchase travel medical insurance?

U.S.-based health insurance policies generally offer coverage anywhere within the U.S. But if you get sick or hurt when you travel internationally, some policies like Medicare may not cover you.

Even if your health insurance covers you outside the country, doctors at your destination may not accept it. Without travel insurance, you could be stuck paying for these bills out of pocket, then seeking reimbursement from your healthcare provider.

When should you purchase CFAR?

Most travel insurance policies won’t help you get your expenses if you cancel for a “non-covered” reason, like when your plans change or you simply don’t want to go anymore. That’s when it might be good to purchase CFAR.

If you’ve booked a trip but think that you may need to cancel for a reason that’s not covered by trip cancellation, the CFAR add-on will allow you to get up to 50-75% of your nonrefundable trip costs back as long as you cancel at least 2 - 3 days before the trip starts. The add-on must also be purchased within a specific time of the initial trip deposit (usually 14 - 21 days).

What can be an example of a cancellation that’s reimbursable under CFAR? Let’s say you book a trip with your significant other but you break up a week before the trip and don’t want to go alone. Or you book a trip really far in advance but when the date nears, you realize that you don’t want to go anymore. CFAR will be helpful for you in these instances.

When should you purchase travel insurance even though you already have a credit card that provides it?

If you already have some travel insurance protections (e.g., trip cancellation, trip interruption, baggage delay) from your credit card, but you feel that the limits are insufficient, consider purchasing a comprehensive travel insurance plan or a standalone travel medical insurance policy to protect you in case of medical emergencies on your trip.

» Learn more: The majority of Americans plan to travel this year, according to recent NerdWallet study

If you booked your trip through a travel agent, you can likely purchase coverage through them. That includes online travel booking engines like Expedia. If you're taking a cruise , you're usually offered the chance to purchase coverage during the booking process. Similarly, airlines may offer you certain types of coverage when you book a flight through their website. If you have an award booking , you have travel insurance options too.

Another option: Purchase travel insurance directly through the website of a travel insurance company, like Allianz , AXA or Travel Guard .

» Learn more: Airline travel insurance versus independent travel insurance: Which is right for you?

The cost of travel insurance is based on the specifics of your trip. The best way to get a price is to request a quote through the websites of travel insurance providers. Or you can compare multiple insurers in one place with a consolidator like InsureMyTrip.com or SquareMouth .

Many travel credit cards provide certain types of coverage in case your flight is delayed or canceled, your rental car is damaged, or your luggage is lost or delayed.

Here are a few credit cards offering travel protections that could serve as an alternative to travel insurance. But even with these cards, the benefits have a lot of fine print.

on Chase's website

on American Express' website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Travel accident: Up to $500,000.

• Rental car insurance: Up to $75,000.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Travel accident: Up to $1 million.

• Rental car insurance: Up to the actual cash value of the car.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

These are attractive benefits, but the coverage may not be as broad as you would get buying insurance. For example, AmEx cards only cover round-trip travel, so if you don’t have a return flight booked yet, you might want to consider additional coverage.

Secondly, only the Chase Sapphire Reserve® provides emergency medical and dental coverage. The other cards don’t.

Plus, these cards can come with steep annual fees that may be more than you would pay for a travel insurance policy. So don't sign up for a card just to cover one trip unless you've compared costs.

» Learn more: The best credit cards for travel insurance benefits

If you've paid a considerable sum for a nonrefundable vacation, travel insurance is likely a good idea. International travelers who need coverage in case they get sick or injured should also consider buying a policy. If troubles arise, you'll be glad that you're protected.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Suggested companies

Sainsbury's bank travel insurance, admiral insurance, insurefor.com.

RAC WA Travel Insurance   Reviews

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Steer clear of RAC travel and Tokyo Marine 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 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!

Date of experience : 28 April 2024

Understanding business

Had no problem with RAC getting my refund. Nicole who dealt with my claim was very friendly and professional and will be using RAC again. Will recommend

Date of experience : 07 January 2021

400% increase in one year

400% increase in one year. Barely 1,000 miles is 2 years and only use the car ONLY for shopping locally and 400% increase and arrogant condescending staff . £666 - £2700 in one go, no accident, no problems, driving for 50 years. OUTRAGEOUS. Found elsewhere for £780 so the RAC is NOT here to help the customer but take every last penny from you they can. VERY VERY BAD SERVICE.

Date of experience : 09 March 2024

very unhappy with the service

They refuse to discuss any information or amend any information via email even if it's a simple name change. Nor does this policy show any other policy holder's DOB other than the main policy holder which can be problematic in providing documents while at the airport as the age since purchasing the policy has changed since travelling on the policy. This company should just stick to car insurance

Date of experience : 11 June 2022

I DO NOT BUY RAC or underwriters TOKIO MARINE Travel Insurance insurance to travel for…

I bought insurance to travel for holidays. My mother died and I have to come back. I provided all information as required include cause of death, date etc. But they refused to approve the claim. Very bad service. Do not ever take RAC travel insurance or if any travel insurance under written by Tokio Marine company.

Date of experience : 27 December 2022

Won’t be using RAC again

Just been advised that our cover does not include reimbursement due to the government putting Turkey on their non essential travel list and our holiday being cancelled. Apparently this is due to our request not being in the 14 day cooling off period. Difficult when the guidance has only just changed ! RAC wouldn’t even carry the cover over to a new date/destination. Won’t be using RAC Holiday Insurance again, and judging by other comments, I won’t be the only one !

Date of experience : 02 October 2020

Just joined

Just joined, they've not covered me for the whole time Im away, opening times are different on the website than on phone message, over an hour wait from the second they opened at 9am and still no answer, now have to hang up as its used up all of my break and I will have to try again later. very disappointed

Date of experience : 19 April 2022

"bye bye"

Unfortunately since my last review my star rating has tumbled. Didn't even get a response from them. I suppose they haven't got the time. Well just noticed that admiral are giving their customers a £25.00 refund, whereas rac will charge you more for less. Well it was short and bitter but come Sept renewal it's "bye bye, should have used the human touch, bye bye, now you won't see me for dust." mark blaxland

Date of experience : 22 April 2020

Reply from RAC WA Travel Insurance

Hi Mark, I'm afraid you have come to the page of RAC Travel Insurance located in Western Australia. I believe you may need to submit your review to the RAC UK page. Thank you

I purchased travel insurance from RAC…

I purchased travel insurance from RAC for a trip to Crete which was cancelled by the travel company. I wrote to RAC and asked if my insurance could be carried over to next year when Covid 19 would hopefully be over. The answerer was No. I was informed it was the underwriters policy which would not allow them to do this. Many other firms are allowing people to carry over travel insurance so I will make sure I use a different company in future.

Date of experience : 21 August 2020

Had rac travel insurance for holiday in France. Travel company went bust due to covid 19 so I phoned rac to change the insurance for another date. Was told I couldn't change it and couldn't get a refund as I could only get a refund within 14 days of booking. Stay clear of this company, they don't care just want your money.

Date of experience : 07 August 2020

Appalling claims process

Appalling claims process. RAC outsource the claims mechanism to other companies, all of which make it as difficult as possible to submit a claim. Avoid RAC travel insurance at all costs.

Date of experience : 24 August 2022

Beware when you take RAC travel insurance!!

We took RAC travel insurance thinking we have the contract with RAC. We took the insurance went we on holiday in Dec-Jan 2022-23 holidays. When my mum suddenly died after three days into our holidays. We have to rush back to Perth. When we applied for the RAC travel insurance an email is coming from Tokio Marine Management (Australasia) Pty Ltd. RAC never informed us that we are taking insurance from Tokio Marine Management (Australasia) Pty Ltd. This company is in Japan only a branch in Sydney. If we had known we would have never got RAC insurance at all. I think there is serious breach of trust and misleading customers that we are taking the insurance with RAC itself. RAC not informing the customers about Tokio Marine Management (Australasia) Pty Ltd is disgusting and deceiving. I will never take any RAC insurance in the future!!!

Date of experience : 02 January 2023

Quite unhelpful customer service

Quite unhelpful customer service. Couldn't give a clear answer on off-piste cover

Date of experience : 08 February 2022

Worst company ever

Worst company ever. We've sold a van and didnt need insurance anymore. The renewal was due in 20 days. Called to tell them to ask them not to renew it. They charged 75£ for cancellation. I didn't want to cancel, just asked NOT to renew. They said this is a legal requirement, and are forcing us to pay 75£. If i had called a week later, there would be no charge. Save yourself the nerves and don't deal with this comany ever.

Date of experience : 17 June 2021

Worst experience ever

Worst experience ever. They were very good 4 years before. But now the claim process is horrible. You need to register on more sites and submit claim on the other company.

Date of experience : 12 April 2023

God these reviews worry me.

God these reviews worry me. I’ve been an RAC member for years for my car and opted in the travel insurance. Hopefully it won’t be needed and they get better at this service ! Their Breakdown is the best .

Date of experience : 09 October 2023

RAC What a disgusting company

RAC What a disgusting company, bought travel insurance to travel France August 2023. Car broke down on the way back. After 12 hours waiting rescue came to Dover. Refuse to give a hire car. Though clearly said on the policy hire car included. They said after taken the policy 7 days you have to wait! No where in the docs says about this Stay away

Date of experience : 02 September 2023

I should have read the reviews first

I chose RAC travel insurance for my trip to Kununurra due to the Covid 19 cover. My family and I have not had the virus. Our plane to Kununurra was cancelled after sitting on the tarmac for over an hour. The airline put us up in a Perth hotel for the night. Therefore my accommodation in Kununurra was unavailable to me. I rang RAC travel the day after the cancellation and was told they will send the claim and they asked for a letter from my Kununurra Motel. I provided this plus proof of the flight cancellation. They then asked for a letter from the airline stating why the flight was cancelled! The airlines are all under pressure, no one it going to do this. This travel insurance is good only if you don't have a claim. It is a scam. Go elsewhere

Date of experience : 26 August 2022

Worst customer service I have…

Worst customer service I have experienced in 50 years. Like the parrot in the monty python sketch, it is not existent. DO NOT USE THEM. YOU HAVE BEEN WARNED!

Date of experience : 04 July 2022

Lovely time

Lovely time, regards Anita

Date of experience : 04 May 2023

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Travel Insurance

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• Unlimited medical emergency expenses¹
• Up to £10K cancellation cover
• 24/7 emergency medical helpline

Covered 27 million+ travellers

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Compare InsureandGo with RAC travel insurance

We might not be the  RAC  but, if you’re looking for travel insurance, we still think we can help you.

We know nothing about fixing your car up but we really know our stuff when it comes to travel insurance. And that’s why we know getting covered isn’t a very exciting thing to do. So that’s why we’ve made it as simple as possible!

Buying InsureandGo  travel insurance  isn’t just easy – it’s also the right thing to do. Our years of experience, our comprehensive cover and our good prices all say so!

*Discount excludes any premium generated to cover medical conditions or optional extras & is automatically applied. This offer cannot be used in conjunction with any other offer. Discount tiers of 5% for premiums between £0-49, 10% for £50-249, & 20% for £250+ apply. Offer ends at 23:59 on 30/09/24. T&Cs apply.

• Unlimited emergency medical expenses available on Black level policies.
• InsureandGo’s Gold achieved a Which? Best Buy.