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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Where will you be spending the MAJORITY of your trip?
Type or select from the list below
- Worldwide
- Pacific Islands
- New Zealand
- Fiji
- Vietnam
- Philippines
- Bali
- Indonesia
- Thailand
- China
- Singapore
- Japan
- UK
- Ireland
- France
- Italy
- Spain
- Germany
- USA
- Hawaii
- Canada
- Caribbean
- South America
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- Middle East
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