Travel Insurance

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. 

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. 

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.

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.

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. Firm Reference Number 769884. 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.