NRMA offers six insurance policies to travellers - International Multi-Trip, International Comprehensive, International Essentials, Domestic Multi-Trip, Domestic Comprehensive, and Domestic Cancellation.
International Multi-Trip
International Comprehensive
International Essentials
Domestic Multi-Trip
Domestic Comprehensive
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
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
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.
Exclusions
Unfortunately, travel insurance doesn't cover everything. Generally, NRMA will not pay your claim if it relates to:
Unlawful, wreckless 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
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:
Describe the incident
Enter your expenses or losses
Upload any supporting documents
Provide your bank details
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.
NRMA may ask you to provide a range of documents including receipts, valuation certificates, credit card or bank statements, photos or an emergency services report.
NRMA covers a range of pre-existing conditions as standard, including asthma, coeliac disease, and bunions. Some additional conditions are covered with specific conditions, such as not being hospitalised within a certain time period, while others you will need to apply for specific cover and pay an extra premium..
Request travel insurance quotes and compare policies
Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio
Nicola's expertise
Nicola has written 241 Finder guides across topics including:
Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
Find out how to get travel insurance for children/under 18s travelling without the supervision of their parents and learn the terms and conditions for getting free child cover for your dependent child.
Domestic travel insurance can provide cover for trip cancellation (domestic flights), loss or damage to luggage and expensive items, car rental excess charges and much more. Find out why domestic travel insurance is worth getting and compare policies from Australian insurers.
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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Travelling to Bankok Singapore
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