RAA
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RAA Travel Insurance

Our verdict: RAA Travel has particularly high benefit limits, including $10m legal liability and $8,000 rental car excess cover. It also offers cover for motorbikes and scooters as standard.

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Pros

  • RAA Travel Insurance offers cover for mopeds, scooters and motorbikes as standard, as long as you can meet the requirements, including having a valid Australian licence.
  • RAA's Premium policy has a rental car excess of $8,000 - higher than some other providers we compared..

Cons

  • Other than snow sports, RAA doesn't offer an adventure or activity pack, so some higher-risk sports aren't covered including outdoor rock-climbing and skydiving.
  • RAA has fairly high benefit limits but doesn't give travellers the option to increase them, so if you're travelling with very expensive items, you might want to look elsewhere.
RAA Travel Insurance is not currently available via Finder. You can head to the RAA website or compare alternative options available below.

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Summary of RAA International Premium policy

Overseas Medical and Hospital ExpensesUnlimited
Cancellation and Amendment FeesUnlimited
Luggage and Personal Effects$15,000
Maximum Age Limit110

Table updated September 2023

How does RAA Travel Insurance cover COVID-19?

RAA's Premium International policy has you covered for a range of expenses related to COVID-19, including but not limited to:

  • Overseas emergency medical costs if you need treatment for COVID-19 while on your trip
  • Cash for general expenses while in hospital due to COVID-19
  • Repatriation to Australia or another country if deemed medically necessary
  • Return travel for supervised children if you can no longer look after them
  • Overseas funeral costs if you die due to COVID-19
  • Costs incurred from having to cancel, delay or change your trip because you're diagnosed with COVID-19, a relative or business partner dies or is hospitalised due to COVID-19, or if you're a healthcare worker and your leave is cancelled due to COVID-19.

There are some scenarios that are not covered by RAA including situations where you were diagnosed with COVID-19 before heading on your trip and if you're unable to provide a doctor's diagnosis for COVID-19.

What policies does RAA offer?

RAA offers seven policies in total. Three international policies - Premium, Essentials and Basics and three Australian policies Domestic, Cancellation Only, and Rental Car Excess. RAA also offers Annual Multi-Trip cover, which can be used for both domestic and international trips.

Travel plane luggage passport

Premium

Passport

Essentials

Luggage

Basics

Australian Map Icon

Domestic

Map

Cancellation Only

car insurance

Rental Car Excess

Hiking

Annual Multi-Trip

The insurer of this product is Tokio Marine & Nichido. It comes with a cooling-off period of 21 days and choice of $250 standard excess for international plans.

Here's a breakdown of RAA Travel Insurance features

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Standard features

These are some of the main insured events that RAA will cover. Some of these benefits may only apply on the Premium International policy.

  • Overseas medical treatment
  • Lost, damaged or stolen property
  • Trip cancellation or amendment
  • Additional accommodation and transport
  • Theft of money
  • Luggage and travel delay
  • Kidnap and hijack
  • Personal liability
  • Accidental death

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Optional add-ons

RAA also offers one add-on package to cover skiing and winter sports.

  • Ski and winter sports cover. Cover for a range of risks related to winter sports, including equipment, piste closure and loss or theft of lift passes.

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Exclusions

Unfortunately, travel insurance doesn't cover everything. Generally, RAA 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
  • 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 advic
  • Childbirth or pregnancy complications after the 24th week of gestation or if you have had previous pregnancy complications
  • A multiple pregnancy or one where the conception was medically assisted
  • 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 RAA PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions.

How to make an RAA Travel Insurance claim

The quickest way to make a claim from RAA Travel Insurance is by using its online claim lodgement which is available 24/7.

You will first need to register with the email address you used to purchase your policy, then set up your password once you have received your confirmation email.

Once you have logged in, complete your claim details by answering all sections. Your claim will be assessed within 10 working days and RAA will be in touch if you need to supply any further evidence to support your claim.

You can also make a travel insurance claim by calling 1300 207 365.

Here's the bottom line about RAA Travel Insurance

RAA Travel Insurance comes with a good suite of benefits as standard, including cover for expenses related to COVID-19, moped and motorbike cover, and high benefit limits.

However, customers can't set their own specific item limits so be sure to check if you're travelling with expensive goods. While there's an option to add Snow Sports Cover, travellers don't have an adventure pack option so some extreme sports might not be covered.

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

Frequently asked questions

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16 Responses

    Default Gravatar
    robertSeptember 6, 2015

    I have booked a three week trip to Hungary and Italy leaving Adelaide on October 19th 2015 and returning on November 6th. Recently I was diagnosed in late August 2015 as having had a minor stroke. My doctor has told me it is ok to travel but my question is about having insurance cover. Can you please advise me whether I can take out insurance cover with this preexisting medical condition and the cost of the premium?

    Thank you

      AvatarFinder
      MauriceSeptember 7, 2015Finder

      Hi Robert,

      Thanks for your question

      RAA requires that any medical condition that is not “acne, allergies, asthma, cataracts, glaucoma, coeliac disease, diabetes, glucose intolerance, ear grommets, epilepsy, gastric reflux, gout, hiatus hernia, hip/ knee replacement, hypertension, menopause, underactive/overactive thyroid” be assessed – meaning your ability to get travel insurance for your stroke will depend on RAA’s assessment of your condition.

      As for your premium, we cannot advise you on the specific cost that will be given by RAA if your condition is covered. RAA’s product disclosure statement however, does state that “The amount We charge You for this insurance policy is the total amount of the premium that We calculate to cover the risk and any relevant government charges…” meaning your premium is likely to increase if you are covered for a pre-existing medical condition.

      If you are enquiring about travel insurance in general, then it depends on each insurer. Most travel insurance providers will require a medical assessment to cover pre-existing medical conditions like stroke and will adjust their premiums accordingly. You can read more about getting travel insurance for pre-existing medical conditions.

      I hope this helps,

      Maurice

    Default Gravatar
    PeterJuly 24, 2015

    We have travel insurance with RAA.How can I find our number or details of our policy?

      AvatarFinder
      RichardJuly 27, 2015Finder

      Hi Peter and Margaret,

      Thanks for your question. finder.com.au is a comparison service and not an insurer. You’ll need to contact RAA directly. They can be reached by calling 08 8202 4567.

      I hope this was helpful,
      Richard

    Default Gravatar
    leonJanuary 30, 2015

    hi
    where can I download a claim form for overseas travel insurance

      AvatarFinder
      ShirleyJanuary 30, 2015Finder

      Hi Leon,

      Thanks for your question.

      RAA Travel Insurance doesn’t offer this option, you’ll need to call them to make a claim and get more specifics regarding your plan

      Cheers,
      Shirley

    Default Gravatar
    ChrisSeptember 17, 2014

    Hi
    I would like to know the cost of car hire excess insurance for 10 days,car hire will be in Cairns Qld

      AvatarFinder
      RichardSeptember 22, 2014Finder

      Hi Chris,

      Thanks for your question. You should contact RAA to find out that information. You can either call them or send them a message.

      I hope that was helpful,
      Richard

    Default Gravatar
    peterSeptember 6, 2014

    Re motor bike tour in india – any extra cost? Tour is for 10 days in november. Thanks. Peter

      AvatarFinder
      ShirleySeptember 8, 2014Finder

      Hi Peter,

      Thanks for your question.

      You can’t add cover for your motorbike with an RAA travel insurance package. You can only add a cover if you’re hiring a rental car. If you’d like, you can fill in our travel insurance policy form to get in touch with an insurance broker, who can help you find the right cover for your trip.

      All the best,
      Shirley

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