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RAA Travel Insurance

Disclaimer:

RAA Travel Insurance is currently not available through travelinsurance.com.au. You are welcome to visit their website for more information or compare travel insurance options available from us.

Policy Options Available From RAA Travel Insurance

International Premium: A comprehensive insurance policy which covers you for a wide range of benefits, ensuring you are covered for most unnecessary expenses.

International Essential: A more affordable option, but still offering a wide range of benefits, allowing you to travel with peace of mind.

International Basics: The basic plan is for the budget-conscious traveller, who still wants to have sufficient cover, without paying a huge fee. It is good for domestic travel within Australia.

Annual Multi-Trip: Great for travellers who travel often within a 12-month period. This option covers you for unlimited trips over 12 months, with a maximum duration period of 30, 45, or 60 days per trip.

Choose from single, duo, or family cover.

Benefit

Premium

Essentials

Basic

Multi-trip

Domestic

Cancellation Fees and Lost Deposits

Unlimited

$25,000

-

Unlimited

Unlimited

Travel Agent Fees

$4,000

$2,000

-

$4,000

$2,000

Overseas Medical and Hospital

Unlimited

Unlimited

Unlimited

Unlimited

-

Cash in Hospital

$6,000

$3,5000

$1,500

$6,000

-

Overseas Dental

Unlimited

$2,000

$500

Unlimited

-

Funeral Expenses Overseas*

$20,000

$15,000

$10,000

$20,000

-

Luggage

$15,000

$7,500

$2,000

$15,000

$7,500

Travel Documents

$5,000

$1,500

-

$5,000

-

Luggage Delay

$750

$500

-

$750

$500

Personal Money

$500

$250

-

$500

$250

Emergency Expenses

Unlimited

$25,000

$5,000

Unlimited

$25,000

Resumption of Travel

$5,000

$1,500

-

$5,000

-

Special Events

$5,000

$2,000

-

$5,000

-

Accidental Death

$25,000

$15,000

-

$25,000

$25,000

Accidental Disability

$25,000

$15,000

-

$25,000

$25,000

Your Legal Liability

$10m

$10m

$10m

$10m

$10m

Rental Car Excess

$8,000

$4,000

-

$8,000

$5,000

Loss of Income

$10,400

$5,200

-

$10,400

$5,200

Financial Default

$10,000

$5,000

-

$10,000

$3,000

Domestic Pets

$650

-

-

$650

-

Domestic Services

$1,500

-

-

$1,500

-

Travel Delay

$3,000

$1,500

-

$3,000

$1,500

Hijack and Kidnap

$10,000

$5,000

-

$10,000

-

Ski and Winter Sports Option

Ski and Winter Sports Overseas Medical and Hospital

Unlimited

Unlimited

N/A

Unlimited

-

Equipment Hire

$2,000

$1,000

N/A

$2,000

$1,000

Ski Pack

$1,000

$500

N/A

$1,000

$500

Piste Closure

$1,000

$500

N/A

$1,000

-

Bad Weather and Avalanche

$1,000

$500

N/A

$1,000

$500

Lift Pass

$500

$250

N/A

$500

$250

Pre-Existing Medical Conditions Covered by RAA

Certain pre-existing medical conditions are automatically covered by RAA, with no extra premium required. These include:

- Acne

- Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, and Hay Fever.

- Bell’s Palsy

- Benign Positional Vertigo

- Bunions

- Carpal Tunnel Syndrome

- Cataracts

- Coeliac Disease

- Congenital Blindness

- Congenital Deafness

- Dry Eye Syndrome

- Glaucoma

- Gout

- Graves’ Disease

- Incontinence

- Insulin Resistance

- Macular Degeneration

- Meniere’s Disease

- Migraine

- Plantar Fasciitis

- Raynaud’s Disease

- Solar Keratosis

- Trigger Finger.

Activities Covered by RAA

These activities are subject to certain conditions which can be found in the PDS.

- Abseiling

- Assault course

- Breathing observation

- Bubble diving

- Bungee jumping

- Camel or elephant riding

- Canoeing or kayaking (grade 3 and 4 rapids)

- Canopy walking

- Canyoning

- Cave tubing

- Coasteering

- Fishing trips (overnight)

- Go-karting

- Husky sledge driving

- Jet Boating

- Mud buggying

- Ostrich riding

- Paintballing

- Parasailing

- Quad biking

- Scuba diving (unlicensed)

- Target shooting

- Tubing

- All types of trekking or hiking below 3,000 metres in height

- Zip lining or zorbing

- Gorge or canyon swinging

- Hot air ballooning

General Exclusions from all RAA Policies

  • Loss or damage caused by negligent or reckless behaviour, where reasonable precautions were not taken to look after your belongings or yourself.

  • Consequential loss of any kind, including loss of enjoyment or profit.

  • Being aware of something that would give rise to you needing to make a claim.

  • Travelling to a country or area where the Australian Government has given advance warning against travels to that area.

  • You acting unlawfully.

  • Driving a vehicle of any kind without a valid Australian drivers license or IDP for the country you are in.

  • Any act of war or military action.

  • Any pre-existing medical condition not covered by the policy.

  • Any claims related to pregnancy or childbirth.

  • Suicide or attempted suicide.

  • Sexually transmitted diseases.

  • Being under the influence of drugs or alcohol, resulting in reckless behaviour or bodily harm.

  • Any elective surgery including cosmetic surgery, body piercing or tattooing.

  • Participation in any high-risk activities not covered by the policy.

The Claims Process

  • Submit a claim within 30-days of your return.

  • Provide all supporting documents including receipts, proof of ownership, bank/credit card statements, doctors reports, police reports, airline reports, proof of damage for luggage or belongings, and any other information you can supply.

  • Your claim will be assessed within 10 business days, and either rejected or accepted. You may be required to submit more documentation if you have not supplied the right information.

RAA Travel Insurance Contact Details

Underwriter

Tokio Marine & Nichido Fire Insurance Co

Website

raa.com.au/travelinsurance

General Enquiries

08 8202 4346

Email Address

travel@raa.com.au

24-hour emergency number

While overseas: +61 2 8055 1698 (reverse charges from the overseas operator)

Claims Online

raa.tmnfatravelinsurance.com.au/how-to-claim

Claims Email Address

raaclaims@tmnfatravelinsurance.com.au

Emergency Assistance Claims Online Contact

1300 207 365

Claims Postal Address

GPO Box 4616, Sydney NSW 2001

Compare with ANZ travel insurance.

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  • Worldwide
  • Pacific Islands
  • New Zealand
  • Fiji
  • Vietnam
  • Philippines
  • Bali
  • Indonesia
  • Thailand
  • China
  • Singapore
  • Japan
  • UK
  • Ireland
  • France
  • Italy
  • Spain
  • Germany
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  • Hawaii
  • Canada
  • Caribbean
  • South America
  • Central America
  • Africa
  • India
  • Middle East
  • UAE
  • Russia
  • Antarctica