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Travel Insurance for every trip

We want you and your family to travel in safety, wherever you go.

In a perfect world, you'd never need travel insurance. So RAA want to make your trip 'worry free' and ensure you are looked after in case something does not go to plan.

Our travel insurance policies are designed to suit all types of experiences. Whether you're travelling in Australia or overseas, we have options to give you peace of mind and help you enjoy your trip.

All of your policies come with these great benefits:

  • $Unlimited overseas medical cover
  • Worldwide 24-hour emergency assistance service
  • Choose your own excess
  • Cover for lost or stolen personal items
  • Cancellation Cover*

*on premium and essential policies

Travel Insurance is essential for every traveller.

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We know that all travellers do not have the same needs, which is why we offer a range of options.

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Get answers to the most common questions we get asked.

FAQs
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International Policy benefits Premium(per adult) Essentials(per adult) Basics(per adult)
Cancellation Fees and Lost Deposits Covered for illness and accident, as well as other unforeseen situations beyond Your control. unlimited $25,000 -
Overseas Medical and Hospital Cover for medical, dental and accommodation costs. We can also, when it is agreed to by Us, cover Your early trip home for medical reasons. unlimited unlimited unlimited
Luggage We will cover You for the loss, theft or damage to Your Luggage. This includes duty-free purchases, as well as the loss or fraudulent use of credit cards and travel documents. Our policy covers, new for old replacement of Luggage.
Sub-limits apply to Cameras and Video Cameras, Laptops and Tablets, Golf Clubs, Smart Phones and Dental Prostheses.
$15,000 $7,500 $2,000
Travel Documents If Your travel documents, credit cards or travellers’ cheques carried with You are lost or illegally used by someone other than You, Your Relative or Travelling Companion, We will pay any amounts You have to pay to replace them or resulting from their fraudulent use. $5,000 $1,500 -
Emergency Expenses Cover for emergency Additional Accommodation, Meal and Travelling Expenses if Your Trip is disrupted due to a natural disaster, serious weather event or even lost passports. unlimited $25,000 $5,000
Your Legal Liability This covers claims against You arising from an accident that happened on Your trip, causing: a) injury or death to someone other than You, b) loss or damage of property not owned or controlled by You. In addition it provides cover for reasonable legal expenses. $10,000,000 $10,000,000 $10,000,000
Loss of Income We will cover for loss of income for up to 26 weeks if you are injured in an accident overseas. $10,400 $5,200 -
Rental Car Excess When You hire a car We will cover the excess applied by the rental car company in case of accident, damage or theft. $8,000 $4,000 -
Travel Delay We provide cover for Additional Meals and Accommodation Expenses, after an initial 6-hour delay, if Your trip is disrupted due to circumstances beyond Your control. $3,000 $1,500 -
Domestic pets If you are away and your pet is injured while in the care of a relative, friend, boarding kennel or cattery we will cover a portion of the cost, we also cover for care for your pet if your travel is delayed. $650 - -

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Domestic Policy benefits Domestic plan(per adult) Cancellation plan(per adult) Rental Car Excess plan(per adult)
Cancellation Fees and Lost Deposits Covered for illness and accident, as well as other unforeseen situations beyond Your control. unlimited $1,000 -
Rental Car Excess When You hire a car We will cover the excess applied by the rental car company in case of accident, damage or theft. $5,000 - Cover chosen up to $8,000
Luggage We will cover You for the loss, theft or damage to Your Luggage. This includes duty-free purchases, as well as the loss or fraudulent use of credit cards and travel documents. Our policy covers, new for old replacement of Luggage.
Sub-limits apply to Cameras and Video Cameras, Laptops and Tablets, Golf Clubs, Smart Phones and Dental Prostheses.
$7,500 - -
Emergency Expenses Cover for emergency Additional Accommodation, Meal and Travelling Expenses if Your Trip is disrupted due to a natural disaster, serious weather event or even lost passports. $25,000 - -
Accidental Death Our plans cover You, Your Children and Grandchildren for death if it occurs within 12 months as a result of an injury caused by an accident or Terrorist Act during Your Trip. $25,000 - -
Accidental Disability This provides You with a lump sum benefit if You, Your Children or Grandchildren suffer a Permanent disability, as specified in the policy, during Your Trip due to an accident. $25,000 - -
Your Legal Liability This covers claims against You arising from an accident that happened on Your trip, causing: a) injury or death to someone other than You, b) loss or damage of property not owned or controlled by You. In addition it provides cover for reasonable legal expenses. $10,000,000 - -
Loss of Income If You are unable to go back to work after returning home, due to an accident or Terrorist Act overseas, We will cover You for the loss of Your usual income to a limit 26 weeks. $5,200 - -
Financial Default This provides assistance if Your Travel Services Provider (excluding travel agents) suffers an event of Financial Default. $3,000 - -
Travel Delay We provide cover for Additional Meals and Accommodation Expenses, after an initial 6-hour delay, if Your trip is disrupted due to circumstances beyond Your control. $1,500 - -

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Frequently Asked Questions

General FAQ's
  • +- Why do I need travel insurance?
  • +- What does my travel insurance cover?
  • +- Who is the Insurer?
  • +- How can I contact RAA to enquire about Travel Insurance?
  • +- Who can get insured?
  • +-When do I receive my policy documents?
  • +-When does my policy start?
  • +-I made a mistake when purchasing my policy, how do I fix it?
  • +-What happens if I change my mind and want to cancel the policy?
  • +-How do I extend my policy?
Product FAQ's
  • +-Will my children be covered by my insurance?
  • +-What policy benefits and limits are applicable for my children and grandchildren?
  • +-Do I need to list all countries I will be travelling to when I purchase my policy?
  • +-Which policy do I select if I am going on a cruise?
  • +-Is there a maximum trip duration for an Annual Multi-Trip policy?
  • +-Is there a limit to the amount of trips I can take on an Annual Multi-Trip policy?
  • +-Does my Annual Multi-Trip policy cover me domestically?
  • +-Are all benefits payable per policy or per insured adult on an Annual Multi-Trip policy?
  • +-Can people with a joint Annual Multi-Trip policy travel alone for a period of time and still be covered?
Existing Medical & Medical FAQ's
  • +-What is a medical assessment?
  • +-What is a Medical Condition?
  • +-Am I covered if I'm pregnant?
  • +-What happens if I develop a medical condition after I buy travel insurance but before I leave on my trip? Would I still be covered?
  • +-Which Medical Conditions are automatically covered?
  • +-I have a Medical Condition that isn’t automatically covered. Can I still get cover?
Claims FAQ's
  • +-What is the emergency phone number to call while I am travelling?
  • +-Who do I contact if I get sick or injured while travelling overseas?
  • +-Do you cover medical expenses within Australia?
  • +-How do I make a claim?

Before you submit a claim

To locate your claim, please tell us when you purchased your travel insurance policy.

Before July 8, 2016 From July 8, 2016