Travel Insurance

Q. What is included within your COVID-19 and Enhanced COVID-19 cover?

Our standard COVID-19 cover is included within all RAC Travel Insurance policies at no extra charge. It provides you with:

• Cancellation if you've a COVID-19 diagnosis within 14 days of your departure.
• Emergency medical treatment and repatriation if you contract COVID-19 abroad.

Enhanced COVID-19 cover is available for an extra charge on policies purchased through the RAC Travel Insurance website only. It costs £11 for single trip and £15 for an annual multi-trip which 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:

• Full cover if you visit Europe even when the FCDO advises against all but essential travel if the advice solely relates to COVID-19.
• Cancellation if you've an adverse reaction to a COVID-19 vaccine.
• Cancellation for incomplete COVID-19 vaccinations due to illness.
• COVID-19 cover is only available to customers who have taken vaccinations when offered to them.

Q. Do I need to have received my COVID-19 vaccine to be covered under your policy?

To be covered by RAC Travel Insurance, you need to have received all doses of the COVID-19 vaccine that you've been offered, including any booster jabs. You'll also be covered if you can't have the vaccine due to a medical exemption. If you've refused any doses of the COVID-19 vaccine or any booster jab, then you won't be covered for COVID-19 related claims.

Q. I have not received my travel insurance documents, what should I do?

If you haven't received an email from us with instructions on how to register for our online customer portal and view your travel insurance documents, please email us at [email protected]. We'll email you your documents within 1 working day. Please note, for data protection reasons, we can only send the documents to the email address provided at point of sale.

Q. I want to cancel my travel insurance policy

You can speak with one of our agents via the 'chat with us' button or email [email protected] to cancel your policy. We'll give you a full refund if you cancel within the 14 days of the receipt of your documentation and you've not started a trip, made, or intend to make a claim.

Please note, for data protection reasons, we can only cancel a policy if the request is made via the same email address used to purchase the policy.

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

If any of your details change then you'll need to contact us on 0330 159 0405 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. How do I amend my policy or change/extend my travel dates?

If you want to amend any of your personal details, you can speak with one of our agents via the 'chat with us' button.

If you want to make a change to your travel insurance cover, including changing your dates or extending your trip, please contact our team on 0330 159 0405. Please note, any amendment on your policy may result in a change in premium.

Q. Do your family travel insurance policies cover children over the age of 18?

Our family travel insurance covers up to 2 adults and up to 5 children under the age of 18. If your children are 18 years or over, you may want to consider buying a group annual multi-trip policy. We can only offer this type of policy over the phone, so please call us on 0330 159 0405, Monday to Friday 9am-5pm, excluding Bank Holidays.

Q. If I buy a couple, family, or group annual multi-trip policy, can I travel alone?

You can travel alone on all our travel insurance policies if you're 18 years of age and over.

Q. Does RAC Travel Insurance have an age limit?

If you purchase your policy through the RAC Travel Insurance website, we have no upper age limit for single trip policies. For our annual multi-trip cover you must be aged 80 or under at the start of the policy period.

Children under the age of 18 must be accompanied by an adult over the age of 18 named on the insurance policy for the duration of the trip.

Q. Are the benefit limits per person under the policy?

The benefits, limits and excesses within your policy are per person, per claim. Therefore, if you've a family or group policy, the limits and excesses will be for each of you individually.

Q. The airline I am travelling with has cancelled my flight due to staffing issues, am I covered?

When an airline cancels a flight, you're entitled to certain refunds and compensation from the airline.

We ask that before you contact us in relation to costs arising from the recent spate of flight cancellations, that you first directly approach your airline, tour operator or packaged holiday organiser.

If you're unable to get a refund or compensation from any of the above companies and you paid for your trip with a credit card you may also be able to recover your costs through section 75 of the Consumer Credit Act or via a 'chargeback claim'.

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

You can contact us on the following numbers should you need assistance abroad or to make a claim before or after your holiday:

• Medical emergency assistance (24 hour) +44 (0)1403 289 148
• If in the USA or Canada call +1 844 780 0663 or if you're in Mexico, please call 00 1 819 780 0662
• Claims, excluding gadget and financial failure: call 01403 289 151 or email [email protected] 
• Financial failure claims: call 0345 266 1872 or email [email protected] 
• Gadget claims: call 0330 880 1751 or email [email protected]

Q. What is the maximum trip duration I can take?

For annual multi-trip cover the maximum trip duration is 62 days for Orange and Silver cover and 92 days for Black cover. Trips within the UK are covered when you've pre-booked accommodation for a minimum of 2 nights.

For single trip cover, the maximum trip duration 94 days.

Q. Do I need the extra gadget cover to insure my gadgets?

All policies offered via our RAC Travel website provide you with gadget cover as standard. The amount of cover will vary depending on what cover level you purchase. All benefits are per person, per claim.

If you think you'll need additional cover for your gadgets, we offer an optional gadget extension that you can select when you get a quote with us.

Our policy wording will provide you with what cover your policy provides as standard and what our gadget extension cover will increase these limits to.

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 the 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. I am pregnant, will I be covered for medical costs?

With RAC Travel Insurance you're 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. An activity or sport that I want to take part in on holiday is not covered under your policy, what can I do?

If you want to know more about the activities our travel insurance covers, or if one that you're looking to take part in is not listed within our policy wording, you can speak to one of our agents via the 'chat with us' button or email us [email protected] and we'll see if there's anything we can do.

Q. What activities am I covered for as standard under your policy?

You can find a full list of activities covered within our policy wording.

If an activity or sport that you're looking to take part in is not listed within our policy wording, you can speak with one of our agents via the 'chat with us' button.

Please note, you won't be covered under this policy whilst taking part in winter sports unless you select this cover which will incur an additional premium. Winter sports insurance provides cover for emergency medical treatment caused by your participation in winter sports activities, the delay, loss, theft or damage to your ski equipment, cover for ski pack expenses, piste closure and avalanche closure.