RACT Car Insurance Review; RACT (The Royal Adelaide Club of Tasmania) has been providing people on the Isle of Apple with roadside assistance for nearly a century, founded in 1923, and now has over 200,000 members. While roadside assistance is a big part of what they do, they also provide car, home, contents, and travel insurance policies.
Continue reading this guide on RACT Car Insurance Review to learn more about ract’s travel insurance options and other things you need to know about RACT car insurance.
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RACT Car Insurance Review
RACT offers a selection of travel insurance options for those holidaying at home and abroad, including:
What types of travel insurance policies does RACT offer?
1. Comprehensive International
This is RACT’s first-class cover for international holidays and provides you with unlimited cancellation fees and overseas medical expenses, plus generous limits that can be claimed on your baggage in the event of theft, damage, accidental death, and cash theft. This policy also covers certain expenses related to COVID-19, such as travel delays due to a positive coronavirus test.
2. International Fundamentals
This policy covers much of the same ground as the comprehensive policy. However, for a lower premium, you’ll lose three things: coverage of costs related to COVID-19, household pets, and household services.
3. International Savings
For those traveling on a budget, RACT offers a policy that gets you all the essentials, like unlimited coverage for overseas medical and hospital costs, some protection for your bags, and other emergency expenses that arise.
4. Annual Multiple Trips
If you are a frequent traveler, you can implement this type of annual multiple-trip policy which covers you for an unlimited number of trips of at least 250km from your home throughout the year. You can choose the maximum length of your vacation (30, 45, or 60 days).
5. Domestic Comprehensive
This policy covers cancellation fees, lost deposits, baggage, stolen money, and excess on a rental car. You are also covered if you die from a covered accident or are personally liable for property damage or injury to another person.
6. Domestic Cancellation
If you’re happy to give up coverage for things like baggage and personal liability, you can just apply the cancellation policy. This provides you with $1,000 in coverage if you need to cancel your vacation before you leave.
7. Car Rental Excess
This independent local policy only covers you for the excess on a rental car. You can choose coverage between $1,000 and $8,000 if your car is damaged and you are forced to cover the cost of the excess by your rental car company.
What optional extras are available with RACT travel insurance?
RACT travel insurance offers some optional extras that you can attach to your policy to get a higher premium. These include:
· Coverage for a Pre-Existing Medical Condition
If you have an existing medical condition, RACT requires you to undergo a medical evaluation and pay a higher premium to cover it.
While you’re automatically covered for a range of illnesses (such as sleep apnea, glaucoma, and types of diabetes), you’ll need to pay a higher premium to cover more serious illnesses, such as heart disease.
· Ski and Winter Sports Coverage
Should you have an accident while carving the slopes at your vacation destination, this add-on has you covered. You’re covered for hiking, cat-skiing, and cross-country skiing, as well as off-piste skiing. You’re also covered if you want to play a spot of ice hockey or take part in some ice skating.
· Cruise Cover
This add-on covers you for medical expenses on board your cruise ship, cabin reservation, and emergency evacuation if you become seriously ill at sea. If you’re going on a cruise, it’s helpful to compare different types of coverage.
What exclusions should I be aware of when purchasing a travel insurance policy through RACT?
Some of the general exclusions in RACT travel insurance policies include:
- Not taking reasonable care of personal items
- Loss of enjoyment or potential business opportunity
- Traveling to a country with a “do not travel” warning
- Booking errors
- Driving or driving a motorcycle without a valid driver’s license
- Nuclear reaction or contamination from nuclear weapons or biological warfare
- Traveling against a doctor’s advice
- Claims related to elective surgery, tattoos, or body piercings while on vacation
- Diving underwater using the artificial respiration mechanism
- Attempting suicide or intentionally harming yourself
Before choosing a travel insurance policy for your next vacation, read the Product Disclosure Statement (PDS). This will give you a detailed indication of what is and is not covered.
RACT Car Insurance Review – Pros & Cons
Pros
Generous personal liability coverage: While many other travel insurance providers only allow you to claim up to $2.5 million or $5 million in personal liability, you can claim up to $10 million under all uncapped RACT policies.
Free coverage for children under the age of 25: If you are holidaying with your children or grandchildren and they are completely dependent on you and they are under the age of 25, you can add them to your policy for free.
Discounts available to members: Whether you’re holidaying in Hong Kong or Honolulu, RACT offers members up to 10% off their travel insurance policy.
Cons
Limited coverage related to COVID-19: Unless you purchase Best International or Domestic coverage through RACT, you will not be covered for costs related to COVID-19 such as medical treatment or travel delays.
Pre-existing stringent requirements: While RACT will automatically cover a range of pre-existing conditions (such as epilepsy, glaucoma, and allergies), you will need to undergo a medical exam to be covered for more serious conditions such as certain types of diabetes and heart disease.
Pay extra for cruise vacations: Unlike a lot of other travel insurance companies, RACT makes you pay a higher premium if you’re taking a domestic or international cruise.
Frequently asked questions about RACT Car Insurance Review
How Do I Make A Claim On My RACT Travel Insurance Policy?
If you need to make a claim on your travel insurance, you can do so via RACT’s online claims portal which allows you to submit around the clock. To file a claim, you will need:
- Register using your email address and password
- Complete the claim form with ample detail
- Provide any photographs and medical or police reports and receipts necessary to support your claim
After you submit your claim, you will receive a response within ten business days. The RACT website says the claims department may request additional information to complete the claim process.
What does RACT travel insurance cover when it comes to COVID-19?
RACT travel insurance covers certain expenses related to COVID-19 on its comprehensive and domestic policies, including:
- An unlimited amount of medical expenses related to COVID-19
- Coverage of up to $3,500 for cancellation fees, lost deposits, additional expenses, travel delays, and special events.
However, if you purchase a lower-value policy, you will not be covered for costs associated with COVID-19.
How much will my RACT travel insurance cost?
Many factors play a role when determining the cost of travel insurance, including:
- Age
- Destination (traveling to America is more expensive than in other countries due to the cost of healthcare)
- Level of coverage
- Optional extras of your choice
- Pre-existing medical conditions
- Excess policy selection
- The type of insurance company and the policy you are purchasing
Does RACT travel insurance cover pregnant travelers?
Yes – RACT travel insurance covers pregnant travelers up to the 26th week of pregnancy for premature delivery or any unexpected complications. However, if you are expecting more than one child, RACT travel insurance policies will not cover your case.
What is the difference between a single-trip travel insurance policy, annual insurance, and one-way travel insurance?
The best annual travel insurance policies cover unlimited trips over 12 months (although the maximum is usually between 45 to 90 days per vacation), while single-trip policies only cover one return vacation. On the other side of the equation, one-way travel insurance policies cover you for a vacation for which you don’t book a return ticket, for up to 12 months (or longer if you extend your policy).
Conclusion – RACT Car Insurance Review
RACT Car Insurance Review; RACT has been providing people with roadside assistance for nearly a century, founded in 1923, and now has over 200,000 members. While roadside
RACT offers a selection of travel insurance options for those holidaying at home and abroad. However, before choosing a travel insurance policy for your next vacation, read the Product Disclosure Statement (PDS). This will give you a detailed indication of what is and is not covered.