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Real Travel Insurance

Our verdict: Real Travel Insurance offers good coverage, with no age limit on comprehensive policies and pre-existing medical conditions may be considered.

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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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Summary of Real Insurance International Comprehensive policy

Overseas Medical and Hospital ExpensesUnlimited
Cancellation and Amendment FeesCover chosen
Luggage and Personal Effects$10,000
Maximum Age LimitNo age limit

Table updated September 2023

How does Real Travel Insurance cover COVID-19?

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.

What policies does Real Insurance offer?

Real Insurance offers four insurance policies to travellers. Comprehensive, Essentials, Domestic and Multi-Trip.

Travel plane luggage passport

Comprehensive

Passport

Essentials

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Domestic

Hiking

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.

Here's a breakdown of Real Insurance Travel Insurance features

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Standard features

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

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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.

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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
  • 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 advice
  • 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 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.

Here's the bottom line about Real Insurance Travel Insurance

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.

However, cover for risks and expenses related to COVID-19 is somewhat limited and there are other brands that offer more extensive protection in this area.

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

Frequently asked questions

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