Travel insurance

Travel insurance provides cover when travelling for unforeseen events such as injuries, illness or cancellations. Cancellation cover may also be available pre-trip. Some of the most popular policy benefits include:

• Travel delay
• Loss or damage to luggage and personal effects
• Cancellation and amendment fees
• Overseas medical and hospital expenses
• Additional expenses
• Rental car insurance excess
• Personal liability
• And much more including COVID-19 benefits

Check the Combined Financial Services Guide (FSG) and Product Disclosure Statement (PDS) for details.

The price of travel insurance depends on various factors including:

• Age
• Travel destination
• Trip duration
• Any pre-existing medical conditions
• Cover level
• Activities planned
• Any additional cover

Ultimately, the cost of travel insurance comes down to the level of risk to the insurer, so the higher risk you pose, the more you pay for travel insurance.

If you’re planning a holiday that is more adventurous or includes high-risk activities such as scuba diving or rock climbing, then you may also face a premium to cover these activities. The same applies for ocean or sea going cruise trips, any expensive valuable items you include additional cover for or if you want to include rental car insurance.

If you’re looking for budget conscience travel insurance, our essentials plan may be an option to consider.

Keep in mind, as an NRMA member, you could save up to 10% discount on a new travel insurance policy for domestic and international travel.^

The choice is up to you, keep in mind your current and future travel plans as this may help determine the type of trip insurance you require. If you know that you are only going on one holiday for the year, to one destination, then it’s likely that single trip travel insurance will cover all your needs. If however, you have planned multiple holidays for the year, a multi trip travel insurance policy might be better and cheaper.