Our verdict: Real Travel Insurance offers good coverage, with no age limit on comprehensive policies and pre-existing medical conditions may be considered.
Real Insurance offers competitive benefit limits with various options to customise your cover to suit your specific needs, including cover for pre-existing medical conditions, snow sports, higher risk activities and cruises.
Pros
There's no age limit on Real's comprehensive policies, so travellers of all ages can apply.
A wide range of activities are covered as standard but travellers can also choose to add an adventure pack or snow pack to cover specific risks.
Cons
Real only covers pregnancy-related claims up until the 24th week. However, we found 11 other brands that extended cover beyond 24 weeks.
Real's comprehensive policy only covers theft of cash up to $250 but we found eight brands that offered a higher limit.
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What policies does Real Insurance offer?
Real Insurance offers four insurance policies to travellers. Comprehensive, Essentials, Domestic and Multi-Trip. The insurer of this product is Allianz Australia Insurance Limited. It comes with a cooling-off period of 14 days and a choice of $200 standard excess for international plans.
These are some of the main insured events that Real Insurance 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
Theft of money
Luggage and travel delay
Kidnap and hijack
Personal liability
Accidental death
Optional add-ons
Real Insurance also offers a number of add-ons that provide cover for a wider range of risks.
Adventure Pack. Extend the number of activities you're covered for, including higher-risk pastimes such as trekking the Kokoda Trail, outdoor rock climbing and motorbike riding with the appropriate licence.
Cruise Pack.Cover for a range of cruise-related risks including marine rescue, cabin confinements and medical care on-board..
Snow Pack. Cover for a range of risks related to snow sports, including piste closure, damaged equipment, and avalanches.
Increased Item Limits. Increases the amount you can claim for specific items.
Exclusions
Unfortunately, travel insurance doesn't cover everything. Generally, Real Insurance 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 Real Insurance PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions.
How to make a Real Insurance travel insurance claim
You can submit your claim online via the Real Insurance Claims Portal.
You can also call Real Insurance on 1300 551 513, Monday to Friday 8am - 6pm (AEST), or you can email Real Insurance at travelclaims@allianz-assistance.com.au.
Frequently asked questions
Real Insurance offers protection against some risks related to COVID-19, including:
Overseas medical costs and emergency assistance.
Overseas funeral costs or expenses to transport your body home.
Cancellation costs if you or your travelling companion are diagnosed with COVID-19.
Additional travel or accommodation expenses if you or your travelling companion are diagnosed with COVID-19.
There are some scenarios that are not covered by Real Insurance including any costs incurred in situations where you or your travelling companion were not diagnosed with COVID-19.
Also, if you were diagnosed with COVID-19 before heading on your trip but you went anyway, you won't be covered for any COVID-related overseas medical expenses.
You should have your policy number and personal details ready. Real Insurance may also request copies of receipts, medical records and police records related to your claim.
Real Insurance provides 24/7 emergency assistance to travellers.Call Real Insurance on +61 7 3305 7499 if you're oversea or 1800 010 075 if you're within Australia)..
Real Insurance does not implement age restrictions on its international comprehensive plan but only travellers under the age of 75 can add the snow pack.
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.
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