Real Travel Insurance
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Have you ever thought about how you would manage financially if you suffered a serious illness or injury while travelling overseas? Would you be able to manage the expensive hospital and medical bills?
Travel can be a risky, unpredictable and often expensive adventure, so it makes sense to take out travel insurance cover to get the protection you need. Travel insurance is designed to offer financial protection against a range of common travel risks, giving you the peace of mind you need to simply sit back, relax and enjoy your holiday.
Real Travel Insurance offers a range of travel insurance policies to help meet the cover needs of different travellers. Part of The Hollard Group, Real Travel Insurance aims to offer policies that are both competitive and affordable.
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A travel ban is in place for all Australians effective 25 March 2020. Most travel insurance brands will not cover you if you travel against a government warning. If you already have a policy, please contact your insurer directly for more information. We are currently updating our site to reflect the Australian government’s advice. Some travel insurance policies will be temporarily unavailable.
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Read on for More Information About Real Travel Insurance
Who is Real Insurance?
Real Insurance was first introduced to the Australian insurance market in 2005. Real Insurance aims to provide value for money products with excellent customer service.
Products the company offers include car insurance, home insurance, life insurance, income protection insurance, pet insurance, funeral insurance, bike insurance, home loans and travel insurance. Its range of travel insurance policies is designed to meet the needs of budget travellers, frequent travellers and those who want comprehensive cover.
Real Travel Insurance is a brand of the Hollard Insurance Company Pty Ltd. This Australian company is a part of The Hollard Group, a globally respected insurer which looks after the insurance needs of some 7.2 million people. With more than 1,600 employees, the group has offices in Australia, the United States, the United Kingdom, South Africa and throughout southeast Asia.
Since entering the Australian market in 2005, Real Travel Insurance has set about creating innovative insurance products and meeting all the needs of its many customers.
Back to topReal Travel Insurance cover options
Basic Travel Insurance
Real Basic Travel Insurance offers essential cover and is designed to be more affordable for travellers on a budget. Cover starts from just $2.84 a day and offers protection against worst case scenarios. Unlimited emergency cover is included for overseas hospital, medical, surgical, nursing, ambulance and emergency dental expenses. Overseas emergency medical assistance is also included, while free cover is included for your children (up to age 21) who are travelling with you. Other cover includes:
- protection for cancellation fees and lost deposits when unexpected circumstances force you to rearrange or cancel your trip
- lost or stolen luggage and personal effects
- personal liability.
Cover is available for trips lasting up to 365 days, plus you can upgrade your cover by adding additional options or adding specific luggage items to your policy.
Comprehensive Travel Insurance
This is the top level of insurance cover available from Real Travel Insurance. Starting from $3.55 a day, it is designed to offer a broad range of protection against numerous travel risks. Just like with the Basic policy, you receive unlimited emergency cover for overseas hospital, medical, surgical, nursing, ambulance and emergency dental expenses. Overseas emergency medical assistance is also included, as is free cover for children travelling with you. However, this policy also offers features such as:
- rental vehicle excess
- travel delay expenses to cover extra accommodation costs
- a luggage delay allowance to help you buy emergency clothing and toiletries
- extra protection for luggage
- theft of cash
- lost or stolen travel documents and credit cards
- personal liability
No matter what emergency arises on your next journey, this policy is designed to offer crucial financial protection.
Annual Multi-Trip Insurance
If you’re a frequent traveller who takes multiple trips each year, Annual Multi-Trip Insurance is designed with you in mind. It offers a much more affordable travel insurance solution than if you were to take out a separate policy for each individual trip. You’ll need to be under the age of 75 and not take any one trip for longer than 30 days, but this 12-month policy starts from just $302 a year.
It includes unlimited overseas emergency hospital and medical cover, as well as overseas emergency medical assistance whenever you need it. Other features include:
- cancellation fees and lost deposits
- free cover for kids travelling with you
- personal liability cover
- additional expenses cover for extra accommodation and transport costs caused by circumstances beyond your control
- a hospital cash allowance
- loss of income cover
- travel documents and credit card cover
- lost or stolen luggage and personal effects
- rental vehicle excess cover.
Real Travel Insurance benefit table
| Benefit | Basic | Comprehensive | Annual Multi-Trip | Excess |
|---|---|---|---|---|
| Accidental death | N/A | $20,000 | $20,000 | None |
| Additional Expenses | N/A | $12,000 | $12,000 | Applies pp, per claim |
| Cancellation fees and lost deposits | $5,000 | $12,000 | $12,000 | Applies pp, per claim |
| Hospital cash allowance | N/A | $5,000 | $5,000 | None |
| Loss of income | N/A | Maximum of 26 weeks cover, for a maximum of $10,400 | Maximum of 26 weeks cover, for a maximum of $10,400 | None |
| Luggage and personal effects | $5,000 | $15,000 | $15,000 | Applies pp, per claim |
| Luggage and personal effects delay expenses | N/A | $750 | $750 | None |
| Overseas emergency medical assistance | Unlimited | Unlimited | Unlimited | Applies pp, per claim |
| Overseas emergency medical and hospital expenses | Unlimited | Unlimited | Unlimited | Applies pp, per claim |
| Permanent disability | N/A | $25,000 | $25,000 | None |
| Personal liability | $1 million | $3 million | $3 million | Applies pp, per claim |
| Pet care | N/A | $500 | $500 | None |
| Rental vehicle insurance excess | N/A | $5,000 | $5,000 | Applies pp, per claim |
| Special events | N/A | $5,000 | $5,000 | Applies pp, per claim |
| Theft of cash | N/A | $250 | $250 | Applies pp, per claim |
| Travel delay expenses | N/A | $2,000 | $2,000 | None |
| Travel documents, credit card and travellers' cheques | N/A | $5,000 | $5,000 | Applies pp, per claim |
Table updated: September 2019
Back to topWhy choose Real insurance?
Real Insurance is a multi award-winning insurer with a trusted reputation in the industry. Having operated in Australia since 2005, the company has built up a strong base and has thousands of satisfied customers on its books.
Real Travel Insurance is also backed by the might of the Hollard Group, an international insurer with ample global financial strength. The group has more than seven million policies in effect around the world, so you know you’re dealing with a company that has plenty of experience in the insurance industry.
Real specialises in offering value for money to its customers, and its range of travel insurance policies all boast a competitive list of features and benefits. Each policy has been designed to meet the needs and budgets of different travellers, plus there’s also the option of tailoring cover to suit your specific requirements.
Real Insurance also specialises in providing personalised customer service to all customers, with all claims handled promptly and efficiently. If you’re looking for travel insurance cover for your next trip, the policies offered by this company are certainly worth considering.
Back to topAge limit at the time of Policy purchase
Those applying for a Basic or Comprehensive policy from Real Travel Insurance need to be under 79 years old. However, those who would like to take out Annual Multi-Trip Cover need to be under 75 years of age.
Back to topHow to make a Real Travel Insurance claim
Emergency assistance for Real Travel Insurance policyholders is offered by MAPFRE Assistance, a leading international assistance network. You can contact MAPFRE 24 hours a day, with operators on hand to help you make a claim.
If you need to make a claim, you’ll need to notify the insurer as soon as possible. You’ll be asked to complete, sign and return a claim form with details of the incident and the loss you suffered. If you fail to do so, Real Travel Insurance will not be able to process your claim, plus they can reduce your claim if you delay in returning your form.
Real Travel Insurance will ask for certain information to support your claim, all of which you will need to provide at your own expense. This may include police reports, medical reports, valuation, original receipts or proof of ownership. In some cases you will also have to provide translations of these documents into English.
It’s your duty to supply and documentation or information your insurer needs to process your claim. With this in mind, it’s important to remember to obtain medical reports whenever possible, or report theft to the local police and get a written copy of any report.
You’ll need to submit full details of your claim in writing within 30 days of returning from your trip. Lodging a claim will require you to pay an excess (unless you’ve selected an option to waive your excess), and claims will be processed within 10 business days.
Back to topCompare Real Travel Insurance policies
Real Travel Insurance offers competitive travel insurance policies boasting a range of attractive features. However, before you decide on the right policy for you, make sure to weigh up a range of options and compare products from different insurers.
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