Travel Insurance with enhanced COVID-19 cover

Includes FCDO 'non-essential' European destinations^

Get a quote   

I'm already a customer

Please check the latest FCDO advice – read our response to COVID-19 here

Travel Insurance

With COVID-19 cover as standard

If you're thinking of booking a holiday again, RAC Travel Insurance offers COVID-19 protection at no extra cost. Peace of mind for single trips, annual multi-trip and the whole family. All our policies provide cover for trip cancellation, medical expenses and personal belongings, and there are a range of additional cover options you can add for Winter Sports, Cruise-cover and Gadget Cover.

New policies sold from the 30th September 2020 include the following as standard:

tick.jpg Cancellation if you have a COVID-19 diagnosis within 14 days of departure

tick.jpg Emergency medical treatment and repatriation if you contract COVID-19 abroad

If you choose ‘Black cover’ you’re covered for unlimited medical expenses. 
 

^NEW Enhanced COVID-19 Cover Add On

You can now add Enhanced COVID-19 Cover to your policy. You’ll be covered if you visit anywhere in Europe even if the FCDO advises against all but essential travel, solely because of COVID 19. Adding Enhanced COVID-19 Cover is £11 extra for a single trip and £15 for an annual multi trip and covers everyone on the policy. To add it simply select the ‘Enhanced COVID-19 Cover’ when you get a quote.

The Enhanced COVID-19 Cover Add On includes:

tick.jpg Full cover if you visit Europe even when the FCDO advises against all but essential travel if the advice solely relates to COVID-19

tick.jpg Cancellation due to self-isolation if you’re contacted by UK Test and Trace System

tick.jpg Cancellation if you have an adverse reaction to a COVID-19 vaccine

tick.jpg Cancellation for incomplete COVID-19 vaccinations due to illness

This cover is only available to customers travelling to a country within Europe who have taken vaccinations when offered to them. The RAC 10% member discount** is not valid on the Enhanced COVID-19 Cover Add On. For full details and exclusions of the COVID-19 cover provided on new policies take a look at our policy booklet.

Airline failure and cancellations

Emergency medical expenses and 24/7 helpline

Lost and delayed luggage

Travel Insurance with COVID-19 protection as standard

Get a quote  



Phone us for a quote on 0330 159 0409*


COVID-19 update

It is essential that you check the latest Foreign, Commonwealth and Development Office (FCDO) advice for your destination before you travel. Our travel insurance policies do not provide cover travel to an area where the FCDO advises against all or all but essential travel.

You will need to purchase an Enhanced COVID-19 Add On to cover you for travelling to countries in Europe against FCDO advice (if that advice relates solely to
COVID-19)

Stay up to date with the latest rules on the green, amber and red lists on the FCDO website. Please continue to check our FAQ's regularly which will contain the latest guidance.


Can I get travel insurance cover when travelling against the FCDO advice^?


Travelling to a red or amber list country is legal. Travelling to countries on those lists may require you to quarantine on your way out or on your return. It’s important to know that if the FCDO advise against all or all but essential travel to a destination this would invalidate your insurance. However, our Enhanced COVID-19 Cover Add On covers you for travel within Europe even when the FCDO advises against all but essential travel (if the advice relates solely to COVID-19^). To add it simply select the ‘Enhanced COVID-19 Cover’ when getting a quote.
 


Our cover levels

We’ve got three levels of cover available with varying benefits, so you can find the right cover to suit your needs.

Orange Cover Silver Cover Black Cover
COVID-19 protection COVID-19 protection COVID-19 protection
£3,000 cancellation cover £5,000 cancellation cover £7,500 cancellation cover
£10m emergency medical expenses £15m emergency medical expenses Unlimited emergency medical expenses
£1,250 for personal belongings £2,000 for personal belongings £3,000 for personal belongings
£500 hospital benefit
(max £20 per day)
£1,500 hospital benefit
(max £50 per day)
£2,000 hospital benefit
(max £50 per day)
£250 gadget cover £250 gadget cover £500 gadget cover
£400 personal money £500 personal money £750 personal money
£25,000 legal expenses £25,000 legal expenses £25,000 legal expenses


Single, Annual and Family Travel Insurance


Choose from different types of cover depending on whether you’re planning single or annual multi-trips for yourself or the whole family, all with COVID-19 protection as standard.

Single Trip Insurance

Ideal for one off trips from a day up to 90 days. UK and abroad.

Annual Travel Insurance

Planning multiple trips? This policy covers you for the whole year.

Find out more 

Family Travel Insurance

Want cover for the whole family for a specific trip or annual cover?


Find out more 

RAC customers save 10%**


If you’ve got RAC Breakdown Cover or RAC Car Insurance, you save 10% on single trip, annual multi-trip or family policies with RAC Travel Insurance. Enter or quote your membership or policy number at the time of purchase and we'll automatically apply your discount.
 

Get a quote 

Travel Insurance optional extras

We offer a range of optional extras in addition to our single trip, annual multi-trip and family policies for winter sports, cruise and gadget cover.

Winter Sports Cover

Gadget Cover

Cruise Cover

Enhanced COVID-19 Cover


Heading to the slopes this winter? If your ski equipment is lost, stolen, damaged or delayed we’ll cover it. The same for piste closures, unused lift passes/hire equipment due to illness or injury, and accommodation benefit if yours is adversely affected by avalanche or landslide.

Add our Winter Sports cover and we’ll make sure you stay on the slopes!


Add our optional Enhanced Gadget Cover to your travel insurance policy to make sure that loss, theft or damage to your favourite devices doesn’t ruin your holiday.

We also cover unauthorised data usage to give you that extra peace of mind should that happen to you.


Are you going on a cruise where you’ll be visiting multiple countries? Make sure you’re covered for all scheduled stops on your route with our Cruise Cover.

Simply add this as a cover option when purchasing and it will be added to your policy.


If you’re travelling to Europe, you can add on our Enhanced COVID-19 Cover^ to any policy. This will cover you even if the FCDO advise against all but essential travel, solely relating to COVID-19. 



Driving post Brexit

Everything you need to know about driving in the EU post Brexit.

Read more   

16th Dec 2020

Travel Advice

Get the latest advice and information on travel essentials to help your trip run smoothly.

Read more   

Car Hire Excess Insurance

Protect yourself from unexpected costs when hiring a car from £2.99 a day††

Find out more   

Frequently Asked Questions

Q. Am I covered to cancel if the FCDO travel advice changes?

You should always check the FDCO travel advice’s entry requirements of your intended destination before purchasing the policy. If the FCDO travel advice changes you would not be covered to cancel your trip. Instead, please speak with your travel agent or tour operator to seek rearrangement or refund. If you have purchased the Enhanced COVID-19 cover, you would be covered to travel to a European country if the FCDO advice is against “all but essential travel” solely due to COVID-19.

In addition, if you purchase our Enhanced COVID-19 cover, you will be covered to cancel your trip if you, someone travelling with you or a close relative (as defined within the policy) contracts coronavirus and you have been exposed, contacted by a doctor, Test & Trace, or any another public health board within 14 days of your scheduled departure. 

 
Q. What type of travel insurance should I get – single or multi-trip?

If you are only planning to travel once in a year then a Single Trip policy could be more appropriate for you. However, if you are planning to go on holiday more than once in a year then an Annual Multi-Trip policy could be more cost effective and also save you having to take out a new policy each time you travel.

You should ensure that each of the holidays you are planning will be covered by the policy you have selected.

 
Q. Does my travel insurance cover me for holidays in the UK?

Yes, our single trip and annual multi trip policies cover holidays in the UK. With a lot of us now considering a ‘staycation’ in the UK rather than overseas, you can get covered with a travel insurance policy from the RAC. You are covered for any trip not exceeding the maximum trip length as confirmed in your policy schedule, where you have pre-booked at least two nights’ accommodation in a hotel, motel, holiday camp, bed and breakfast, holiday cottage or similar accommodation which is rented for a fee.
 

  • For a single trip you are covered for the trip duration shown on your travel insurance certificate and schedule.
  • For Annual Multi Trip Cover there is a maximum trip duration of up to 62 days for Orange and Silver cover and 92 days for Black cover.
  • Travel delay is not covered for any trips with in the UK (except for trips to the Channel Islands)

 

Q. I’m travelling today. Can I get cover immediately?

Provided you have not already left the United Kingdom, yes. Once you have confirmed your card details and you have completed all the steps in the process you will be covered to travel. You will see a confirmation page online and will also be sent the policy documents to the email address you entered during the application process.
 

Q. How do I know if it is safe to holiday in my chosen country and who are the FCDO?

The Foreign, Commonwealth & Development Office (FCDO) provide up-to-date information and advice for each country and detail if it is safe to travel there. Check the FCDO website prior to travelling.

The FCDO are a government agency providing important advice and support for British nationals travelling abroad. They also list the countries that they consider unsafe to visit.

We won’t cover travel to countries or areas when the Travel Advice Unit of the FCDO or regulatory authority in a country to/from which you are travelling has advised against all, or all but essential travel. However, if you purchase our Enhanced COVID-19 Cover Add On, you will be covered to travel anywhere in Europe, even if the FCDO advises against “all but essential travel”, solely relating to COVID-19.

Q. Does single trip insurance cover multiple destinations?

Yes, single trip policies do cover you to travel to multiple destinations. You will need to ensure that all the areas you will visit are noted on your policy.

Q. How far in advance of my holiday can I buy my policy?

You can now purchase a single trip policy up to 18 months in advance and an annual multi-trip policy 90 days in advance. However, think about purchasing your policy as soon after you book as possible to cover you for cancellation.

Q. Driving in Europe

RAC Travel Insurance comes with Driving Holiday Cover which includes:

Carjacking benefit, mobility aids, safety and awareness kit, alcohol and tobacco, shopping cover, pet passport, camping and caravan cover, trailer contents cover, emergency overseas vet costs, emergency car hire, event and ticket cancellation, cancellation prior to event, cancellation after arrival at destination and missed excursion. For more details see your policy wording.

If you’re planning on driving in Europe, don’t forget our RAC Car Insurance can cover you for up to 60 days in the EU.

Need Breakdown cover too? Our European Breakdown cover can provide cover for roadside assistance, garage labour costs, accommodation costs and getting your car back to the UK.

Also, take a look at our European travel information guide, which will tell you whether you need an International Driving License and how to get one, plus tips on driving in France and the rest of Europe.

You can also purchase European travel kits and accessories via our online RAC Shop.

Enhanced COVID-19 Cover Add On

Q. What countries are covered under the RAC Travel Insurance Enhanced Covid-19 Cover Add On?

The Enhanced COVID-19 Cover Add On will cover any trip made within Europe^. 

Q. Will my RAC Travel Insurance policy cover me if I have a bad reaction to a vaccine?

If you have purchased the Enhanced COVID-19 Cover Add On^ you will be covered if you need to cancel your trip because of a bad reaction to a COVID-19 vaccination. Without this add on you won’t be covered. This add on only covers you for trips within Europe. 

Q. Will my RAC Travel Insurance policy cover me if I have to cancel a trip due to self-isolation?

If you have purchased the Enhanced COVID-19 Cover Add On^ you will be covered if you need to cancel your trip because you are required to self-isolate by UK Government’s Test and Trace service. Without this add on you won’t be covered. This add on only covers you for trips within Europe. 

 
Medical related travel insurance questions

Q. If I have a EHIC (European Health Insurance Card) or GHIC (General Health Insurance Card) do I need insurance? 

The GHIC card (that replaced the EHIC card post Brexit) enables you to access medically necessary state provided healthcare in the European Union (EU) at a reduced cost. If you have an EHIC card this will continue to be valid until it expires.

This card does not cover you for repatriation back to the UK, so it is recommended that you ensure you have sufficient insurance. Travel insurance also offers other benefits not covered by the GHIC.

You can use a UK passport to get medically necessary healthcare in Norway (for example emergency treatment, or to treat a pre-existing condition). Some people can apply for a new UK EHIC that they can continue to use from 1 January 2021 in the EU, Norway, Iceland, Liechtenstein and Switzerland.

Visit Foreign, Commonwealth & Development Office or the NHS to find out exactly what you are covered for and how to apply.

Q. What happens if my medical conditions change after I have purchased a policy? 

If any of your details change then you will need to contact RAC Travel Insurance on 0330 159 0409 as soon as possible to update your policy.

If your details have changed and you travel without informing us of the changes then we may be unable to honour any claims which arise.

Q. I am pregnant – will I be covered for medical costs?

You are covered for bodily injury and illness whilst travelling when pregnant. Please check your transport provider’s guidelines before travelling as they may have restrictions. 

There is no cover available for medical costs associated with normal pregnancy. This policy is designed to provide cover for unforeseen events, accidents, illnesses and diseases and normal childbirth would not constitute an unforeseen event. Any costs arising from your pregnancy or childbirth, if the expected date of delivery is less than 12 weeks (16 weeks for a multiple birth) after the end of the trip, are excluded. 

What’s included in your travel insurance cover

Q. Can I get travel insurance for a cruise? 

Yes, if you buy our cruise cover option.  You can select the cruise cover option when you choose your cover or call 0330 159 0410 to add this cover to your policy. If you choose to include our cruise cover option, you will see this detailed in your policy schedule.

As cruise holidays cover many different destinations, please ensure you’re covered for each country you’ll be visiting. Cruise cover is only available on single trip policies, not annual multi-trip policies. If you’re going on a cruise you will need cruise cover. 

Q. Can I get cover for a skiing holiday and my skiing equipment? 

Yes, if you buy our Winter Sports cover option. It covers you for medical treatment because of taking part in winter sports activities; damage or loss of skis and skiing equipment, and piste closure. You won’t be covered for these as standard. For more information, please see our Winter Sports page and for full details policy wording. You can add the Winter Sports cover option when you get your quote. If you choose to include it, you’ll see this detailed in your policy schedule. 

Q. I am under 18 years of age – am I able to purchase this travel insurance?

No, policyholders must be at least 18 years of age and children aged 17 or under are only covered when travelling with an adult covered under the same policy.

Q. I am over 69 - can I take out a policy?

Our single trip policies have no upper age limit and annual multi-trip policies have an upper age limit of 80 years.

Q. Will my policy cover business trips?

Yes, RAC Travel Insurance covers business trips too, however we will not cover manual work unless it is at ground level, nor will we cover manual work involving machinery.

Please note we define a 'trip' as: The period of time ("Trip Duration") spent away from your home on pre-booked business or leisure travel.

Cover for business trips excludes:

  • Any loss or theft of or damage to fragile articles, bicycles or business goods or samples.
  • Loss, theft of or damage to business equipment, business goods, samples, tools of trade and other items used in connection with your business, trade, profession, or occupation.
  • Valuables, gadgets, ski equipment and golf equipment and any items used solely or partly for business profession or trade purposes.

Q. Will I get my fare refunded if the scheduled airline I have booked with goes bust?

You may be able to claim for the cost of your return journey on a different airline should yours go into liquidation whilst you are abroad depending on your cover level. You should read the Policy Wording to understand the terms, conditions and exclusions that apply to such cover.

If the flight is ATOL bonded, you may recover your money from them.

Making claims and amendments

Q. Can I amend or cancel my policy? 

If you need to amend any of your personal details, add people to the policy, increase the cover or add extra options such as winter sports cover, you will need to contact us to get an updated policy. 

Please call Customer Services on 0330 159 0409* to amend or update your policy.

Q. How do I make a claim before or after my holiday or when I am abroad?

If you need to make a claim, please visit our existing customers page for the relevant contact details. Make sure you have your policy reference number when you contact the claims team. If you have a medical emergency, contact the Emergency Medical Assistance Team. All contact details can be found on our existing customer page.

Other travel insurance questions

Q. Can I buy RAC Travel Insurance if I live overseas or if my journey starts from another country? 

No, only UK residents who are registered with a UK GP can purchase travel insurance from RAC. You must purchase travel insurance before leaving the UK. If you purchase a policy after leaving the UK there will be no cover and the policy may be void.

Q. Who insures RAC Travel Insurance?

RAC Insurance is a trading name of RAC Financial Services Limited. Registered in England and Wales No. 5171817. Registered office: RAC House, Brockhurst Crescent, Walsall, WS5 4AW. RAC Financial Services is authorised and regulated by the Financial Conduct Authority. Financial Services Register No. 313989. RAC Travel Insurance is administered by Hood Travel Limited 52/54 Alexandra Street, Southend on Sea, Essex, SS1 1BJ. Registered in England No. 08318836. Hood Travel Limited is authorised and regulated by the Financial Conduct Authority. Financial Services Register No.597211. Hood Travel is an insurance intermediary providing a non-advised service. We act for and on behalf of the insurer.  RAC Travel Insurance is underwritten by Great Lakes Insurance SE, a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. UK Branch office: 10 Fenchurch Avenue, London, EC3M 5BN, company number SE000083. Great Lakes Insurance SE, UK Branch, is authorised and regulated by Bundesanstalt für Finanzdienstleistungsaufsicht. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.

 

If you have a query about your policy, would like to renew or make a claim, find all the contact details here

  

An extensive glossary of all the terms relevant to your RAC Travel Insurance policy

  
We also cover

We’ve got three levels of annual cover available with varying benefits, so you’ll be able to find the right cover to suit you

  

RAC Travel Insurance will make sure that you have cover for the whole family when you go away

  

We want you to be able to relax on your holiday, so we offer medical Travel Insurance to help you should you need it

  

Whether you’re travelling just once, or taking to the slopes several times throughout the year, we’ll ensure that you’re covered

  

Make sure your smartphones and tablets are covered on holiday by adding our optional Enhanced Gadget cover to your policy.

  

Protect yourself from unexpected costs when hiring a car. Daily cover from the equivalent of £2.99††

  

Pay-by-day car insurance from 1 hours-30 days

  

** You must have a standalone RAC Breakdown policy or RAC Car Insurance policy and provide your membership or policy number at the time of purchase to qualify for the 10% discount. RAC Travel Insurance must be purchased directly from us and this discount is not available on price comparison websites. The discount will not apply to premiums for pre-existing medical conditions, extended gadget cover or the Enhanced Covid-19 Cover Add On. The offer can be withdrawn or amended at any time.

* Calls from landlines may be charged up to 9p per minute, plus a 15p call set up fee. Calls from mobiles may cost between 8p and 40p per minute. Calls may be monitored and/or recorded.

^ Our Enhanced Covid-19 Cover Add On covers you for travel within Europe even when the FCDO advises against all but essential travel if the advice solely relates to COVID-19. This cover is only available to customers who have taken vaccinations when offered to them. 

††Based on UK resident buying a single trip policy to cover 10 days car rental in Europe.

RAC Insurance is a trading name of RAC Financial Services Limited. Registered in England and Wales No. 5171817. Registered office: RAC House, Brockhurst Crescent, Walsall, WS5 4AW. RAC Financial Services is authorised and regulated by the Financial Conduct Authority. Financial Services Register No. 313989. RAC Travel Insurance is administered by Hood Travel Limited 52/54 Alexandra Street, Southend on Sea, Essex, SS1 1BJ. Registered in England No. 08318836. Hood Travel Limited is authorised and regulated by the Financial Conduct Authority. Financial Services Register No.597211. Hood Travel is an insurance intermediary providing a non-advised service. We act for and on behalf of the insurer.  RAC Travel Insurance is underwritten by Great Lakes Insurance SE, a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. UK Branch office: 10 Fenchurch Avenue, London, EC3M 5BN, company number SE000083. Great Lakes Insurance SE, UK Branch, is authorised and regulated by Bundesanstalt für Finanzdienstleistungsaufsicht. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.

© 2021 RAC Motoring Services. All rights reserved.