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RACQ Annual Multi Trip review

RACQ Annual Multi Trip travel

CHOICE Expert Rating

45%
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Good Points

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Bad points

Bad Points

No bad points available.

Recommended products

Recommended
Not recommended

Scores

CHOICE Expert Rating (%)
45%
Cover score (%)
64%
Price score
16%
Cancellation cover score
43%
Additional expense cover score
82%
Baggage cover score
68%

Description

Policy type
Annual
Provider
Tokio Marine

Conditions

Policy age limit
75
Dependant age limit
25

Annual multi-trip

Annual travel duration
30, 45, 60

Pre-existing conditions

Pre-existing conditions covered without application
Pre-existing conditions covered on application
Time period for existing conditions
12 months

Pregnancy

Pregnancy
Pregnancy stage covered
25
Childbirth costs

Additional expenses

Additional travel expenses for injury or sickness
Unlimited
Additional expenses for interrupted travel
Unlimited
Travel insurance extension for a delayed trip
Additional expenses for a lost passport
Additional expenses for resumption of journey interrupted for a relative
$3,000.00

Cancellation

Cancellation covered
Cancellation expenses
Cover chosen
Cancellation for frequent flyer points
Cancellation expenses for travel agent fees
$4,000.00
Cancellation for insolvency of a travel services provider
Cancellation for insolvency of a travel agent
Cancellation expenses for redundancy
Cancellation expenses for defence and emergency workers
Cancellation expenses for cancellation of work leave

Covered events

Transport incidents
  • Excludes cancellation and additional expenses for mechanical breakdowns
  • Excludes cancellation expenses for transport accidents
  • Includes additional expenses for transport accidents
Strikes
  • Excludes cancellation expenses for strikes
  • Includes additional expenses for strikes
Mental health
Yes (includes claims for mental health conditions experienced for the first time on the trip)
COVID-19
  • Includes additional expenses for COVID-19
  • Cancellation expenses up to $3500 if the policy holder or a close relative contracts COVID-19
Pandemic
No (excludes claims for pandemics other than COVID-19)
Natural disaster
1
Civil unrest
1
Terrorism

Special event

Additional expenses for a special event
$5,000.00
Additional expenses for pre-paid travel arrangements
$0.00

Travel delay

Limit for travel delay expenses
$3,000.00
Hours before travel delay covered
6
Limit per 24 hours for travel delay
$500.00

Baggage

Baggage cover
Baggage expenses
$15,000.00
Item limit
$1,000.00
Camera limit
$3,000.00
Laptop or tablet limit
$3,000.00
Smartphone limit
$1,000.00
Prescribed medications
$1,000.00
Specified items
$0.00
Baggage in a car during the day
$15,000.00
Baggage in a car overnight
$0.00
Valuables in a car
$0.00
Lost or stolen cash
$500.00
Baggage lost temporarily
$750.00
Hours before cover applies for baggage lost temporarily
10

Car rental

Rental car excess
Limit for rental car excess
$8,000.00

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NRMA Comprehensive Single Trip
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