NRMA Travel Insurance

Our verdict: NRMA has some particularly high benefit limits and offers 5% off if you already have insurance with them.

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Nicola Middlemiss

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NRMA

Key takeaways

  • NRMA offers high benefit limits, including up to $10,000 for rental car excess and $45,000 for income loss.
  • Be aware NRMA does not cover higher-risk activities or offer extensive COVID-19 related expenses.
  • NRMA’s customer service satisfaction rating is slightly above average; however, trust and overall satisfaction are lower.

Pros

  • NRMA covers up to $10,000 of your rental car excess, higher than many other brands.
  • NRMA covers up to $45,000 for loss of income. We didn't find another brand that offered more cover in this area.

Cons

  • There's no option to add higher-risk activities to your policy, such as outdoor rock-climbing, which might rule NRMA out for some travellers.
  • NRMA offers limited coverage for expenses related to COVID-19.
NRMA Travel Insurance is not currently available via Finder. You can head to the NRMA website or compare alternative options available below.

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Summary of NRMA International Comprehensive policy

Overseas Medical and Hospital ExpensesUnlimited
Cancellation and Amendment FeesCover chosen
Luggage and Personal Effects$12,000
Maximum Age Limit99

Table updated September 2023

What policies does NRMA offer?

NRMA offers six insurance policies to travellers - International Multi-Trip, International Comprehensive, International Essentials, Domestic Multi-Trip, Domestic Comprehensive, and Domestic Cancellation.

Hiking

International Multi-Trip

Travel plane luggage passport

International Comprehensive

Passport

International Essentials

Inbound

Domestic Multi-Trip

Australian Map Icon

Domestic Comprehensive

Map

Domestic Cancellation

The insurer of this product is Zurich Australian Insurance Limited. It comes with a cooling-off period of 21 days and choice of $250 standard excess for international plans.

Here's a breakdown of NRMA Travel Insurance features

Standard features
Optional add-ons
Exclusions

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Standard features

These are some of the main insured events that NRMA will cover. These benefits apply across all international policies.

  • Overseas medical treatment
  • Lost, damaged or stolen property
  • Trip cancellation or amendment
  • Additional accommodation and transport
  • Delayed luggage allowance
  • Rental car insurance excess
  • Emergency dental costs
  • Kidnap and hijack
  • Personal liability
  • Accidental death

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Optional add-ons

NRMA also offers opportunities to tailor your cover to suit your needs. It has a specific Cruise Cover option but otherwise you just have to request a quote for your other needs.

  • Cruise cover. Mandatory if you are going on a multi-night cruise, includes extra cover for some cruise-related risks such as cabin confinement and missed ports.
  • Medical Conditions and Pregnancy. NRMA may consider covering your pregnancy or pre-existing condition following a health questionnaire.
  • Increase luggage item limits. You may be able to increase the item limit by paying an additional premium.
  • Motorcycle/moped riding. Extends your insurance policy to cover some motorcycle and moped-related claims, but not personal liability.
  • Snow skiing, snowboarding and snowmobiling. If you want your policy to cover you while on the slopes, you'll need to pay an additional premium.

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Exclusions

Unfortunately, travel insurance doesn't cover everything. Generally, NRMA will not pay your claim if it relates to:

  • Unlawful, reckless or unreasonably unsafe behaviour by you
  • Behaviour while you were drunk or under the influence of drugs
  • Expenses related to a pre-existing medical condition, unless it's automatically covered or NRMA has agreed to cover it (check the PDS)
  • An act of war, invasion or revolution
  • Insolvency of a travel agent, tour operator or accommodation provider
  • Mandatory quarantines or isolations
  • An act of war, invasion or revolution
  • You being unfit to travel or travelling against medical advice
  • Childbirth or pregnancy complications before the 24th week of gestation or if you have had previous pregnancy complications
  • An elective medical or dental treatment, cosmetic procedure or body modification (including tattoos or piercing)
  • Self-inflicted injury or illness, suicide or attempted suicide

Make sure you review the NRMA PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions.

How to make an NRMA Travel Insurance claim

You can claim online via the NRMA website, following these instructions:

  1. Describe the incident
  2. Enter your expenses or losses
  3. Upload any supporting documents
  4. Provide your bank details
  5. Review and finalise your claim

You can save and return to an incomplete claim for up to 28 days. Once you've lodged your claim, NRMA will update you within 10 working days.

You can also phone NRMA on 1300 135 640 between 9am-5pm, Monday to Friday. Or you can fill out a claim form and post it to:

NRMA Travel Insurance
c/o Cover-More Claims Department
Private Bag 913
North Sydney NSW 2059

Here's the bottom line about NRMA Travel Insurance

NRMA offers particularly high benefit limits, so if you're travelling with expensive items or have a high rental car excess, it could be a good option.

However, any travellers keen to take part in risky or high-adrenaline activities may want to look elsewhere as NRMA doesn't offer an opportunity to add an adventure pack to its policies, whereas many other insurance brands do.

If you're still not sure about NRMA, you can compare other travel insurance companies here.

Frequently asked questions

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Sources

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Journalist
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Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

Nicola's expertise
Nicola has written 170 Finder guides across topics including:
  • Personal finance
  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance
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2 Responses

    Cheryl Taylor's avatar
    CherylSeptember 18, 2017

    Travelling to Bankok Singapore

      Joanne ibarreta's avatarFinder
      JoanneSeptember 18, 2017Finder

      Hi Cheryl,

      Thanks for reaching out to Finder.

      If you are looking to apply for a travel insurance with NRMA, you may directly visit their website to request a quote or to speak to a representative who can help with your insurance enquiries.

      Alternatively, you may compare policies from different brands from our Travel insurance for Singapore page. Simply enter your travel details and press “Get my quote”. Once you have chosen a particular cover, you may then click on the “Go to site” button and you will be redirected to the insurer’s website where you can proceed with your application or get in touch with their representatives for further assistance.

      Before applying, please ensure that you read through the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

      Cheers,
      Joanne

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