Travel Insurance

Travel insurance takes out the worry and expense should anything go wrong with your holiday. For example, if you need urgent medical help, are involved in an accident, lose your passport or have to cancel your holiday at the last minute, travel insurance can help to recover the costs you’d otherwise have to pay out for.

Travel insurance may also cover you on holiday if you fall ill due to an existing medical condition. When you get a quote you should let us know of any pre-existing conditions you have – if we can cover your condition you may need to pay a little extra for your insurance, but you’ll have peace of mind you’ll be covered for treatment abroad if you require it.

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.

Yes, if you buy our Winter Sports cover option - for details on what this covers, please see our Winter Sports page. You can add the Winter Sports cover option when you get your quote or call 0330 159 0410. If you choose to include our Winter Sports cover option, you will see this detailed in your policy schedule.

Our Winter Sports option provides cover for damage or loss of skis and skiing equipment, and piste closure. See the Policy Wording for full details.

If you need emergency medical assistance you can call +44 (0)203 819 7176.^*

Our UK-based, English speaking staff will be on the end of the phone in case of an emergency.

For non-emergency claims, the telephone number and postal address for the Claims Department can be found in your Policy Wording. Make sure you have your policy reference number when you contact the claims team.

You can contact our claims line on  +44 (0) 1403 289 151^*.

The EHIC card (that replaced the E111 form) entitles you to state-provided health care in all European Economic Areas and Switzerland. Visit Foreign Commonwealth office or the NHS to find out exactly what you are covered for.

This card does not cover you for private treatment or repatriation back to the UK so it is recommended that you ensure you have sufficient insurance cover for your trip.

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

Information can be found here.

The FCO 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 FCO or regulatory authority in a country to/from which you are travelling has advised against all, or all but essential travel.

However, if the FCO changes their advice about a country/area we provide cover for, our Travel disruption cover would cover the cancellation should you have already booked a holiday.

We will remind you at least three weeks before your policy is due to expire and give you instructions on how to renew.

Yes, if you have purchased an annual multi trip policy. Any trip not exceeding the maximum trip length as confirmed in your policy schedule is covered within your home area 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.

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.

RAC Travel Insurance can provide cover for you whether you’re travelling to France, Belgium, Spain or other European countries.  

Driving in Europe

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.
 

On the 23rd June 2016, the UK voted to leave the European Union (EU).  For now, there will be no immediate impact on UK travellers in Europe until the UK exits the EU. As and when the UK does leave the EU, RAC Travel Insurance will ensure that customers are up to date with all changes.

Now we have left the European Union, how does it affect my RAC Travel Insurance policy?

Although the UK has voted to leave the EU, for now nothing will change, as it will take time to exit the EU. Therefore for the immediate future whilst the UK remains part of the EU, there will be no impact on your RAC Travel Insurance cover.

Can I still use my European Health Insurance Card (EHIC) in the EU?

Yes, the European Health Insurance Card entitles travellers to state-provided emergency treatment within the EU country they are visiting. At present there have been no changes regarding the EHIC and it is still valid in EU countries.

Can I still go through the EU queue at airport?

Yes, for now everything remains the same at UK and European airports. UK travellers are able to move between European countries and vice versa, and are able to use the EU queue.

Will I need a new passport if I am travelling this summer?

Currently the UK is still a member of the EU, so passports remain valid until the UK negotiates an exit deal.

What about my EU driving licence?

The information on your driving licence is the same as those used by drivers everywhere in the EU. As with passports, the licence will remain valid until the UK officially exits the EU, so currently there will be no impact on your UK driving licence.

Will I need a visa to travel the EU?

No, as the UK remains part of the EU you are still able to travel freely in the EU.