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Originally a motoring insurance provider, RAA also offers its customers various policies to insure their homes, valuable items and their holidays. Provided by Great Lakes Insurance, RAA’s travel policies cover local and international travel with single and annual multi-trip plans. Travel insurance is the best way to protect the financial investment you make in your holiday. We can’t predict what might happen during your holiday, but a good policy is just the safety net you need if you find yourself in a medical or other emergency.
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After the store tab opens, come back to copy the codeWhat policies are available from RAA?
Travel insurance policies are available for local and international travel. Depending on your destination and your insurance needs, you can choose between basic and comprehensive cover, and whether or not you’d like insurance for the rest of your travelling party.
International Premium
This is the full-cover option for international travel. You benefit from the following:
- Unlimited overseas medical expenses (including dental expenses)
- Unlimited additional expenses
- Unlimited cancellation costs
- Luggage and personal effects
- Travel documents
- Delayed luggage allowance
- Travel delay
- Money
- Rental vehicle excess
- Resuming a journey
- Special events
- Hospital incidentals
- Loss of income
- Disability
- Accidental death
- Personal liability up to $2,5 million
International Essentials
This policy offers fewer benefits and lower maximum pay-outs than the Premium option, but it’s still suited to overseas travel. Cover includes:
- Unlimited overseas medical expenses (not including dental expenses)
- Unlimited additional expenses
- Cancellation costs
- Luggage and personal effects
- Travel documents
- Delayed luggage allowance
- Rental vehicle excess
- Hospital incidentals
- Accidental death
- Personal liability up to $1 million
- This policy is suited to local travel. Medical emergencies and related claims should be filed with your personal health insurance provider. Your benefits include :
- Unlimited cancellation costs
- Additional expenses
- Luggage and personal effects
- Rental vehicle excess
- Travel delay
- Accidental death
- Personal liability up to $2,5 million
Domestic Cancellation plan
Amendment and cancellation costs up to $1,000
Who is RAA Underwritten By?
RAA travel insurance is underwritten by Great Lakes Reinsurance.
Pros and Cons of RAA
Consider the following pros and cons before deciding on any one policy.
Pros
- Underwritten by Great Lakes Reinsurance
- Varied range of basic and comprehensive policies
- Single policy for rental vehicle excess
- RAA members save 10% on travel insurance
- Option to obtain quotes and purchase policies online
- 24/7 worldwide assistance
- Ability to resume trip if interrupted
- Free policy extension
- Ability to submit a claim online
Cons
- Some pre-existing medical conditions not covered
- Age restrictions
How do I apply for RAA travel insurance?
Briefly discuss steps involved in applying for cover.
- Compare policy options. RAA offers a range of policies, so choose your plan based on the nature of your journey, your destination and your budget.
- Receive an online quote. Enter your travel and personal information into the online calculator a quote on your premium.
- Read the PDS. All information about your policy is listed in the policy disclosure statement, so read up on your chosen plan to make sure it meets your expectations.
- Additional options. RAA offers several add-ons to upgrade your policy. Check to see whether your chosen policy can be amended with additional options.
How do I make a claim with RAA?
If you need to file a claim from your policy, here’s how to go about it.
- File a claim online. You can submit your claim online via claims.travelinsurancepartners.com.au. Follow the prompts of the online claims system and upload other supporting documentation.
- Download and post the claims form. Go to raa.com.au/travelinsurance and download the claims form. Make sure that you fill in all the required information. An incomplete form will not be processed. Remember to attach all supporting documentation, including original receipts and other proof of purchase, itineraries, luggage tickets and medical and/or police reports.
- Honour the process. Your claim will take around 10 business days to process from the day your claims documents are received. Refrain from offering to settle the matter yourself without consulting with your case manager.
RAA F.A.Q
Here are a few questions and answers about RAA travel insurance.
Q. Are these policies available to over-70s?
- A. Yes. However, the policy might be more expensive in accordance with your age. You may also have to submit to medical assessment and trip duration limits.
Q. I work overseas. Am I eligible for travel insurance?
- A. These policies are tailored to leisure travelling rather than cover for employment overseas. If you do suffer an injury while working, your first step would be to seek compensation from your employer.
Q. I’m already on holiday. Can I apply for travel insurance?
- A. No. These policies have to be purchased before you leave Australia on your holiday.
Q. What kind of documentation should I submit with my claims form? A. Depending on your claim, you will be asked to submit medical reports, invoices, receipts, police reports, itineraries and luggage tags. The more complete your report, the more efficient the claims process. Q. How is my claim payment calculated?
- A. The following aspects are taken into account when calculating your claim payment:
- The amount of loss, damage or liability
- The excess
- The maximum benefit limits and sub-limits
- Reasonable depreciation
- The terms of the policy
Can I cancel my RAA policy if I’m not happy with it?
If you decide you no longer want your policy, you can cancel it within 15 working days from the date of issue. If cancelled within this cooling-off period, you are eligible for a full refund provided you haven’t left on your trip or filed to claim from your policy.
RAA insurance provider offers a varied range of insurance policies for basic and comprehensive travel cover. Additional options like increased excess for rental vehicles and cover for valuable items are available to upgrade your chosen policy.
