Are children covered by RAA Travel Insurance?

Your children and your grandchildren are covered for free if they are 25 years old or younger, are financially dependent on their parents, are not working full time, do not require a medical assessment, are travelling with you the whole time; and are listed on the certificate of insurance. If they meet the criteria above and you choose the ski and winter sports or cruise add-on, they'll be covered for that as well. .

What if I change my mind about RAA Travel Insurance?

You have 21 days from the day you buy your policy to cancel it for a full refund, as long as you haven't started your trip, haven't made a claim and don't intend to make one.

How many trips can I take on the Annual Multi-Trip policy?

You are covered for an unlimited number of trips over a 12 month period, provided that each trip is at least 250km from your home.

RAA Travel Insurance

4.5 (140 reviews) Write a review

RAA Travel Insurance provides high benefit limits including $8,000 rental car excess cover.
Moped and motorbike cover is included as standard, however, adventure sports are largely excluded.
Unlimited overseas medical cover is included for Premium single-trip policies up to age 110, and you choose your own cancellation cover limit.

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 Expenses	Unlimited
Cancellation and Amendment Fees	Unlimited
Luggage and Personal Effects	$15,000
Maximum Age Limit	110

^{Cancellation cover is up to the limit you choose when you buy your policy. Table last fully reviewed 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 of an unforeseen COVID-19 related event, such as you, your travelling companion or a relative being diagnosed with COVID-19. COVID-19 cancellation claims have a lower limit than other cancellation claims.

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, Domestic Cancellation and Rental Car Excess. RAA also offers Annual Multi-Trip cover, which can be used for both domestic and international trips.

Premium

Essentials

Basics

Domestic

Domestic Cancellation

Rental Car Excess

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

Standard features
Optional add-ons
Exclusions

Check icon

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
Rental car excess
Kidnap and hijack
Personal liability
Accidental death

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Optional add-ons

RAA offers two optional add-ons: ski and winter sports cover, and cruise cover.

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.
Cruise cover. You need this option for international ocean cruises. It adds cover for cabin confinement, missed ports, missed shore excursions and marine rescue diversion. River cruises are covered automatically.

Exclusions

Unfortunately, travel insurance doesn't cover everything. Generally, RAA 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
An act of war, invasion or revolution
Insolvency of a travel agent, tour operator or booking agent
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 from the 26th week of gestation, or complications with this or a previous pregnancy that RAA hasn't assessed and accepted (childbirth at any stage isn't covered unless an accident before the end of the 25th week brings it on early)
A multiple pregnancy (such as twins) that RAA hasn't assessed and accepted
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 and include your supporting documents, such as receipts, reports and proof of ownership. 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

Your children and your grandchildren are covered for free if they are 25 years old or younger, are financially dependent on their parents, are not working full time, do not require a medical assessment, are travelling with you the whole time; and are listed on the certificate of insurance.
If they meet the criteria above and you choose the ski and winter sports or cruise add-on, they'll be covered for that as well.
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Written by

Nicola Middlemiss

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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

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16 Responses

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

Finder

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

PeterJuly 24, 2015

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

Finder

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

leonJanuary 30, 2015

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

Finder

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

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

Finder

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

peterSeptember 6, 2014

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

Finder

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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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.

Key takeaways

Pros

Cons

Summary of RAA International Premium policy