These FAQ’s should be read in conjunction with the RACQ Travel Insurance Combined Product Disclosure Statement and Financial Services Guide (PDS) available from RACQ and attached here. You should consider the PDS before making a decision about whether to acquire or to continue to hold this insurance.

RACQ Travel Insurance is issued by Tokio Marine & Nichido Fire Insurance Co., Ltd (Tokio Marine & Nichido) ABN 80 000 438 291, AFSL 246548. RACQ Operations Pty Ltd ABN 80 009 663 414, AR 234978 (RACQ, 'our', 'us' and 'we') is an Authorised Representative of Tokio Marine & Nichido. Where we provide financial services in relation to RACQ Travel Insurance (such as financial advice or arranging for the issue of insurance), RACQ is acting as an Authorised Representative of the issuer of the insurance, Tokio Marine & Nichido.

The 'RACQ Travel Insurance- Combined Financial Services Guide and Product Disclosure Statement' (PDS) which includes the policy wording, is available here. You should consider the PDS in deciding whether to acquire, or to continue to hold the policies.

Most of your policy benefits are per insured adult, however, you should read the PDS for further information which can be viewed here. 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 for them to be covered. Children and grandchildren must also be age 25 or under, not working full time and be financially dependant on their parent in order to be covered.

Yes, you should list all countries to confirm that cover is available for the countries you are travelling to. You should also check www.smartraveller.gov.au as the insurer does 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.

The insurer will extend your cover free of charge if one of the following occurs:

  • 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; or
  • the delay is due to a reason that you could make a claim for under your policy, subject to our written approval.

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 is subject to the insurer's written approval and you will need to pay any applicable extra premium. If the insurer agrees to extend cover you will be issued with a new certificate of insurance. The period of insurance on your new certificate of insurance, combined with your previous period 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 depending on which policy you choose. You must select the appropriate number of days that will cover any single 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 (conditions, sub-limits and exclusions apply). 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. The policy also covers your children and grandchildren free of charge, provided they are travelling with you, up to the age of 25, are financially dependant on their parents, and are not working full time. Please refer to the table of benefits in the Product Disclosure Statement for further details, which can be viewed here.

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 and every insured event. The default International policy excess is $250 but this can be reduced to $100 or $0 for an increased premium at the time of purchase. The default Domestic policy excess 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 for free if they meet the following criteria:

  • they are 25 years old or younger;
  • they are financially dependant on their parents;
  • they are not working full time;
  • they do not require a medical assessment;
  • they are travelling with you the whole time; and
  • they are listed on the certificate of insurance.

The limit for any benefit payable to children or grandchildren is included in the insured adult's sum insured. For example, if an adult has Premium cover on a single policy, and a claim is made under Section 13 Travel Delay the maximum amount that is paid for 1 adult and their children combined is $3,000. Please note there are other sections of the policy whereby the limits are itemised per person which includes children and grandchildren eg. Funeral expenses in section 2G. 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 RACQ Travel Insurance Combined Financial Services Guide and 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 stops at other countries, you will need to select International Cover and select each country where the cruise stops.

If you are going on a cruise which is only in Australian waters or calling into ports in Australia and you still require a policy which includes medical cover whilst you are on board the ship as the medical providers are not registered with Medicare (check with your cruise provider), you will need to select Australian Cruise as your destination. This will then allow the insurer 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 the insurer is a general insurer and cannot cover medical costs in Australia. Therefore the Domestic policy is not suitable for cruises if you require cover for on board medical treatment and evacuation.

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 (excluding a tourist or work Visa) that will remain valid beyond the period of your return from your trip; and
  • you hold a return ticket; and
  • you have a primary place of residence 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 can provide protection when unforeseen events occur whilst travelling and can help cover unexpected expenses. Travel Insurance can covers things like theft, accidents, or medical problems. To find out more about the benefits of travel insurance, visit the Department of Foreign Affairs and Trade website www.smartraveller.gov.au.

Your children and your grandchildren will be covered for free if they meet the following criteria:

  • they are 25 years old or younger;
  • they are financially dependant on their parents;
  • they are not working full time;
  • they do not require a medical assessment;
  • they are travelling with you the whole time; and
  • they are listed on the certificate of insurance.
If they meet the above criteria and 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.

Specific terms and conditions, limits (including sub-limits) and exclusions apply to each of our policies and the different benefits. Please read the 'RACQ Travel Insurance- Combined Financial Services Guide and Product Disclosure Statement' for full details.

The information in this article is general advice only and does not take into account your objectives, financial situation or needs. Because of this, you should, before acting on the advice, consider the appropriateness of the advice, having regards to your objectives, financial situation and needs. You should obtain the ''RACQ Travel Insurance - Combined Financial Services Guide and Product Disclosure Statement' and consider it before making a decision about whether to acquire RACQ Travel Insurance.