RAC Travel Insurance Review

Children means any person under the age of 18 accompanying an adult.

Both single and annual policies are restricted to those persons aged 86 or under.

Single Trip Policies

• 186 days worldwide for customers up to the age of 60
• 186 days to Europe for customers aged 61 - 69
• 62 days worldwide for customers aged 61 - 69
• 93 days to Europe for customers aged 70 - 85
• 31 days worldwide for customers aged 70 - 85

Annual Travel

The policy allows for an unlimited number of trips throughout the policy year with the duration of each trip set accordingly

• 90 days for worldwide trips for travellers up to and including the age of 55
• 62 days for trips to Europe for travellers up to the age of 65
• 31 days for worldwide trips for travellers over the age of  56
• 31 days for trips to Europe for travellers over the age of 66

Winter sports can be included on both the single trip policy (for the duration of the trip) and the annual travel policy for up to 21 days maximum.

The policy covers a comprehensive 38 different winter sport activities as standard, including off-piste skiing and snowboarding (provided you are with a guide)

Both types of policiy are available to individuals, couples (who have been living together for at least six months), familes (one or two parents and up to nine children, who are dependent on the adults, living at home and in full time education) or groups of up to ten individuals (provided they are all travelling together)

The RAC policy states if you are travelling to a European Union country or Switzerland, you should obtain an European Health Insurance Card.

If you need medical treatment in Australia, you must enrol with a local Medicare office. If you are in a country where no reciprocal agreement exists, you should contact Emergency Medical Assistance, for any costs likely to be in excess of £500.

The RAC includes a comprehensive 124 sporting and leisure activities which are covered as standard and a further 70 that can be included subject to payment of an additional premium.

Some of the pursuits exclude cover for personal liability. We recommend checking the list carefully to make sure your activities are fully covered.

The policy excludes claims relating to alcohol abuse/misuse. Where you have drunk too much alcohol where it is reasonably foreseeable that such consumption could result in an impariment of your physical ability and judgement resulting in a claim.

The RAC do not expect you to avoid alcohol, but will not cover claims whereby you have drunk so much alcohol, that your judgement is seriously affected and you need to make a claim a result.

Yes, covered as standard on all policies.

Pre Existing Medical conditions are excluded but can be underwritten online at the point of sale, allowing you to obtain terms including a premium without the need to phone a medical helpline.

The RAC policy does not cover claims relating to pregnancy and childbirth, unless they are as a result of an injury, illness, disease or an unforseen complication with the pregnancy. 

The policy covers as standard, administrative, clerical and professional occupations, archaelogical digging (hand tools only).

Subject to payment of an additional premium, insurance can be extended to cover bar/restaurant work, fruit or vegetable picking, manual work (excluding the use of manual tools or machinery), retails trade including manual work (excluded manual tools or machinery), and the superintendence of manual work. All other occupations are not covered.

The policy states proof of ownership in the form of an original receipt, a valuation, original user manual or bank/credit card statement will be required for any item lost, stolen or damaged.

The RAC policy excludes claims in respect of war risks, civil commotion and terrorism, except for emergency medical expenses, Hospital benefit or personal accident claims (personal accident claims unless caused by a nuclear, chemical or biological attack).

Available as an optional extra on single trip policies, but automatically included in new annual travel policies.

The RAC policy is only available to those permanently resident in the United Kingdom and registered with a UK medical practitioner.