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.
Compare your travel insurance quotes
Compare travel insurance quotes from 14
brands – that's more than any other site in Australia.
Got a quote before?
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. See full bio
Nicola's expertise
Nicola has written 242 Finder guides across topics including:
Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
InsureandGo Travel Insurance can save you time with a comprehensive range of policies that are easy to digest and understand. Its policies include winter sports coverage plus both single and multiple trip policies.
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.
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
Finder makes money from featured partners, but editorial opinions are our own.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.