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RAC travel insurance review

Read Which?'s expert review of RAC's travel insurance. Find out how we rate RAC's policy and how it compares with dozens of other travel insurance providers

In this article
RAC travel insurance overview How good is RAC travel insurance? Should you buy RAC travel insurance?
Is RAC's travel insurance coronavirus-proof? RAC travel insurance: how can I claim? Get top money-saving tips from Which?

RAC travel insurance overview

Founded in 1897, and given royal approval in 1907 by King Edward VII, the RAC is best known for providing breakdown cover but also offers a range of insurance products, including travel, car and home insurance.

RAC travel insurance policies are underwritten by Great Lakes on behalf of ERGO TIS.

How good is RAC travel insurance?

Policy name Policy type Max trip length Max age Policy score

Covid rating

 

(What's this?)

How well a policy covers you for typical coronavirus-related disruption. Ratings run from basic (worst) to low, superior and complete (best).

RAC Orange Annual and single-trip 62 days (annual) / 94 days (single) 80 years old (annual) / No age limit Logged out score Low
RAC Silver Annual and single-trip 62 days (annual) / 94 days (single) 80 years old (annual) / No age limit Logged out score Low
RAC Black Annual and single-trip 62 days (annual) / 94 days (single) 80 years old (annual) / No age limit Logged out score Low

 

How we analyse travel insurance

 

We analyse and rate 52 key elements of travel insurance policies to come up with the overall policy score. We assess how important each individual element is to travellers when choosing and using a travel insurance policy, and weight it accordingly when calculating our total policy score.

Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance/reduce their impact on the overall policy score.

Should you buy RAC travel insurance?

We've rated hundreds of policy details to come up with a combined expert policy score.

Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.

In detail: every part of RAC's travel insurance rated

   

Orange

Silver

Black

Weighting Policy element Details Rating Details Rating Details Rating
Most Important Medical expenses - limit per claim Logged out detail Logged out padlock Logged out detail Logged out padlock Logged out detail Logged out padlock
Most Important Medical repatriation - limit per claim Logged out detail Logged out padlock Logged out detail Logged out padlock Logged out detail Logged out padlock
Most Important Private healthcare covered in an emergency (if no alternative)? Logged out detail Logged out padlock Logged out detail Logged out padlock Logged out detail Logged out padlock
Secondary Pre-existing medical conditions covered? Logged out detail Logged out padlock Logged out detail Logged out padlock Logged out detail Logged out padlock
Secondary Dental treatment - limit per claim Logged out detail Logged out padlock Logged out detail Logged out padlock Logged out detail Logged out padlock
Other Hospitalisation cover - limit per claim Logged out detail Logged out padlock Logged out detail Logged out padlock Logged out detail Logged out padlock
Other GHIC excess waiver Logged out detail Logged out padlock Logged out detail Logged out padlock Logged out detail Logged out padlock

Table last updated in June 2021. Next update in June 2022.

To see how RAC's travel insurance compares with other policies, check out our guide on the best and worst travel insurance.

Is RAC's travel insurance coronavirus-proof?

We contacted 86 travel insurers and quizzed them on whether their policies cover coronavirus-related incidents.

Specifically we wanted to know if four scenarios would be covered: needing treatment for coronavirus abroad, having to cancel because of a positive test; having to cancel because of self-isolation; or having to cancel because of government advice.

We've rated insurers' coronavirus cover, and explained what they offer, including any relevant exclusions.

Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.

RAC travel insurance: how can I claim?

For emergency medical assistance call 01403 289 148 (UK), +1 844 780 0663 (USA & Canada) or +1 819 780 0662 (Mexico).

To make a claim call 01403 289 151. You can also make a claim online.

Before calling for cancellation claims, you should contact your travel agent and/or airline to seek a refund or to move your trip.

You'll need your policy document when you call.

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