These FAQ’s should be read in conjunction with the combined Product Disclosure Statement and Financial Services Guide available here before making a decision about this insurance.

Your policy benefits are per insured adult.  The limits are reinstated after each trip.

Yes, insured adults on the policy can travel alone on a trip.  Dependent children or grandchildren listed on the policy must travel with an insured adult for the whole trip.

Yes, you should list all countries to confirm that cover is available for the countries you are travelling to. You need to check www.smartraveller.gov.au  as we do not provide cover for any country listed as “Do Not Travel”.

Yes, your Annual Multi-Trip policy covers you for international trips as well as trips within Australia where the trip is more than 250km from your home.

For all customer service enquiries including medical assessments please call us on 1300 338 821 or via email on racqsales@tmnfatravelinsurance.com.au

You can extend your policy under certain conditions, and we will extend your cover free of charge if your original return is delayed because of the transport provider (bus, plane, train, or ship) you are travelling on, or your luggage or personal items, are delayed. We will also extend free of charge if the delay is due to a reason that you could claim under your policy, subject to our written approval. This is for both our Single Trip and Multi-Trip policies.

For other reasons you can apply to extend your International Single-Trip Policy by phoning us on 1300 338 821 or send an email to racqsales@tmnfatravelinsurance.com.au at least 5 days before your original policy was due to end. Extension of cover needs our written approval and you will need to pay any applicable extra premium. If we agree to extend cover we will issue a new Certificate of Insurance. The period of insurance on your new Certificate of Insurance cannot be longer than a combined maximum period of 12 months. 

Please contact us on 1300 338 821 as soon as you realise the error so that we can review and amend where possible. You can also advise us by email at racqsales@tmnfatravelinsurance.com.au with full details of the error and the correct details.

You are covered for an unlimited number of trips over a 12 month period.

The maximum days allowed per trip is either 30, 45 or 60 days.  You must select the appropriate number of days that will cover any trip you may take during the 12 month period at the time of purchase.  The days allowed per trip can be increased to a longer duration during the period of the policy and an additional premium will apply. Please contact us for assistance. 

All of our RACQ International policies provide 24-hour worldwide emergency assistance and unlimited overseas medical treatment. We offer a number of policy options with varying benefits and limits for both International travel and Domestic travel, as well as a rental car excess only policy. We also cover your children and grandchildren free of charge, providing they are travelling with you, up to the age of 25 and not working full time. Please refer to the table of benefits in the Product Disclosure Statement for further details.

You have 21 days from the date of issue of this travel insurance policy (as shown on your Certificate of Insurance) to make sure this is the right policy for you, provided you have not started your trip and that you do not want to make a claim or exercise any other right under this policy.

Simply advise us either by phone or by email if you wish to cancel your travel insurance policy and we will give you a full refund.

If you make a claim you may be required to pay an excess. An excess is an agreed dollar amount that is subtracted from each claim. Our default International policy excess is $250 but this can be reduced to $100 or $0 for an increased premium at the time of purchase. Our default for our Domestic policy is $100 but can be reduced to $0 for an increased premium at the time of purchase. Your excess will be shown on your Certificate of Insurance. 

Your children and grandchildren will be covered under each section of the policy with the limit to be paid from the insured adult sum insured. For example if a claim is made under Section 13 Travel Delay the maximum amount that is paid for 1 adult and 1 child combined is $3,000. Please note there are 4 sections of the policy whereby the limits are itemised per person which includes children and grandchildren. Please refer to the Product Disclosure Statement for further details. 

When you purchase your policy, we will either post or email your policy documents to you. Your documents include your Certificate of Insurance and your Product Disclosure Statement. It’s a good idea to carry a copy of your policy documents with you when you travel. It is also a good idea to keep them in your email inbox so you can access them if you need to.

Cover for cancellation, lost deposits and financial default commences from the date of purchase, all other benefits commence on the trip start date you have stated when purchasing your policy.

If you are going on a cruise which is only in Australian waters or calling into ports in Australia you will still require a policy which includes medical cover whilst you are on board the ship (check with your cruise provider) as the medical providers are not registered with Medicare. You will therefore need to select Australian Cruise as your destination. This will then allow us to give you medical and evacuation cover whilst at sea but not if you go to a medical provider whilst in port in Australia.

Please note the Domestic policy does not include any medical cover as we are a general insurer and cannot cover medical costs in Australia. Therefore the Domestic policy is not suitable for cruises.

Cover is available to Australian Residents over the age of 18, provided:

  • you purchase your policy before you begin your Trip; and
  • for International cover your trip begins and ends in Australia; or
  • for Domestic cover your trip must be wholly within Australia.
  • Temporary Residents over the age of 18, provided:
  • you hold a current Australian Visa that will remain valid beyond the period of your return from Your Trip; and
  • you hold a return ticket; and
  • you have a home address in Australia that you intend to return to; and
  • you purchase your policy before you begin your Trip; and
  • for International cover your Trip begins and ends in Australia; or
  • for Domestic cover your Trip must be wholly within Australia.

RACQ Travel insurance is issued by Tokio Marine & Nichido Fire Insurance Co., Ltd (Tokio Marine & Nichido) ABN 80 000 438 291, AFSL 246548. Its managing agent, Tokio Marine Management (Australasia) Pty. Ltd. ABN 69 004 488 455 (TMMA) is authorised to act on behalf of Tokio Marine & Nichido to issue its policies and handle and settle claims in relation to those policies, subject to the terms of the authority. RACQ is an authorised representative of TMMA.

As well as Travel Insurance, Tokio Marine & Nichido also work with the general insurance market through insurance brokers and provide insurance for commercial and corporate businesses in Australia. Tokio Marine & Nichido was founded in 1879 in Japan, operates in multiple countries and employees thousands of people worldwide.

Travel Insurance provides protection when unforeseen events occur whilst travelling and you incur unexpected expenses. Travel Insurance covers things like theft, accidents, or medical problems and is just as important as your passport. To find out more about the benefits of travel insurance, visit the Department of Foreign Affairs and Trade website www.smartraveller.gov.au

Yes, your children and your grandchildren are covered, provided they are travelling with you, up to the age of 25 and not working full time. They must be listed on your Certificate of Insurance and are covered for free provided they do not require a medical assessment for a Pre-existing Medical Condition. If you choose our Ski and Winter Sports option, they’ll be covered for this as well. If you have omitted to list them, please contact us before you leave.

Limits, exclusions and conditions apply. This is general advice only. We do not provide any advice based on any consideration of your objectives, financial situation or needs. This insurance is issued by Tokio Marine & Nichido Fire Insurance Co., Ltd (Tokio Marine & Nichido) ABN 80 000 438 291, AFSL 246548. Its managing agent, Tokio Marine Management (Australasia) Pty. Ltd. ABN 69 004 488 455 (TMMA) is authorised to act on behalf of Tokio Marine & Nichido to issue its policies and handle and settle claims in relation to those policies, subject to the terms of the authority.