RAC Travel Insurance: Cover Options and What Real Customers Report

August 21, 2026 3 Min Read

RAC travel insurance gets mixed up with two other clubs. They share the same three letters. Here’s which RAC this actually is, what the six cover tiers include, and what real customer reviews say about claims.

Quick Answer: RAC Travel Insurance

RAC travel insurance means RAC Western Australia’s cover. It’s not RACV in Victoria or RACQ in Queensland. These are three separate clubs. Only your home state’s club gives you a discount. RAC WA offers six policy tiers. These are International Comprehensive, International Essentials, medical-only, domestic, rental car excess, and Annual Multi-Trip. Members save 15% on premiums. Real customer reviews average 3.3 out of 5 stars. Claims processing is the top complaint.

RAC WA, Not RACV or RACQ

RAC is Western Australia’s motoring club. If you joined through WA, this is your club. Your travel insurance applies to your RAC WA membership.
RACV covers Victoria. RACQ covers Queensland. Both are separate organisations. Each has its own travel insurance and its own member discounts.
Some comparison sites blend these three together. If a page doesn’t say which state’s club it means, check directly with your own membership before you buy.
Your membership only unlocks a discount at your own club. An RACV membership won’t get you 15% off an RAC WA policy, and it works the same way in reverse.

The Six RAC WA Policy Tiers

International Comprehensive is the top tier. It covers unlimited overseas medical costs, luggage up to $15,000, travel delay up to $3,000, and $10 million in legal cover.
International Essentials suits lighter cover needs. It’s a cheaper option for people who don’t need the full list of benefits.
Medical-only cover just handles overseas health costs. This suits people who already have cancellation and baggage sorted elsewhere.
Three more tiers round out the range. Domestic covers trips within Australia. Rental car excess protects your hire car bond. Annual Multi-Trip suits people who travel a few times a year.

What’s Actually Included in Comprehensive Cover

Medical cover is unlimited. This covers fair overseas medical, hospital, and dental costs, plus help around the clock.
Luggage and travel delay have set limits. Luggage cover goes up to $15,000. Luggage delay goes up to $750. Travel delay cover goes up to $3,000.
Rental car excess cover reaches $8,000. This helps if you plan to hire a car and want the excess itself covered.
You can add kids under 25 for free. This covers your children or grandchildren, once they pass a medical check.

What Real Customer Reviews Say About Claims

The real review average sits at 3.3 out of 5, from 292 reviews. That’s a mixed record. It’s worth knowing before you buy, not a reason to rule the policy out on its own.
Claims processing is the top complaint. Several reviewers describe delays of months and trouble getting clear updates on a claim.
The underwriter, Tokio Marine, comes up a lot in complaints. Some reviewers felt the fine print wasn’t clear at purchase, and only showed up once a claim was lodged.
Positive reviews outnumber negative ones. About 60% of the real reviews are positive. Read your own PDS closely no matter which insurer you pick.

FAQ: RAC Travel Insurance

Is RAC travel insurance the same company as RACV or RACQ?
No. RAC covers Western Australia, RACV covers Victoria, and RACQ covers Queensland. They’re separate clubs with separate travel insurance products.

What cover tiers does RAC WA offer?
Six: International Comprehensive, International Essentials, medical-only, domestic, rental car excess, and Annual Multi-Trip.

Do RAC members get a discount on travel insurance?
Yes, members save 15% on premiums, excluding GST, stamp duty, and other taxes.

Who underwrites RAC WA’s travel insurance?
Tokio Marine & Nichido underwrites the policies.

Are RAC WA’s travel insurance reviews good?
Mixed. The genuine review average is 3.3 out of 5 from 292 reviews, with claims processing delays the most common complaint, though positive reviews outnumber negative ones.