Choose between our International Essentials, Comprehensive and Annual Multi-Trip Travel Insurance plans to make sure you get the cover you need.
With Essentials and Comprehensive plans (cover varies depending on the plan you choose)
Cancellation
If your trip is cancelled or rescheduled unexpectedly, you can claim non-refundable travel and accommodation costs (limits vary).
COVID-19 protection
Protect your travel plans against the impacts of COVID-19 (limits and conditions apply).
Luggage and personal items
Lost, stolen or damaged luggage and belongings are covered, including travel documents and credit cards (up to $5,000 with Essentials, and up to $12,000 with Comprehensive).
Medical expenses
Cover for approved medical and hospital expenses incurred overseas (up to $10 million with Essentials, and unlimited2 with Comprehensive).
24-hour emergency hotline
Speak to our expert, multilingual team at any time, from anywhere in the world.
Accidental disability
If you choose Comprehensive and someone on your policy is permanently disabled as a result of an accident, they may be eligible for a lump sum payment (up to $30,000).
Rental vehicle excess
We'll help cover the insurance excess on your rental if it gets damaged or stolen (up to $5,000 with Essentials, and up to $10,000 with Comprehensive).
Accidental death
We'll pay a lump sum to you or your estate if anyone on your policy dies as a result of an accident (up to $10,000 with Essentials, and up to $30,000 with Comprehensive).
Personal liability
Your personal and settlement costs are covered in certain situations if you accidentally injure a person or damage their property (up to $1 million with Essentials, and up to $2.5 million with Comprehensive).
There are some things we don’t cover
Known events
We don't cover incidents due to things you should know about, like a pandemic, or if you travel against warnings or official advice.
Add these when you get a quote
Skiing and winter sports
Add cover for things like damaged ski equipment, or approved hospital and medical expenses if you're injured on the slopes.
Valuable items
Add extra cover for special items like your watch, jewellery or camera.
Motorcycle and moped cover
Add cover if you plan on riding or being a passenger on a motorcycle or moped.
Cruise cover
Add cover for certain unforeseen cancellations, as well as approved medical and evacuation costs if you get sick or injured.
Take as many trips in a year as you want, all on the one policy. All our annual multi-trip plans are Comprehensive, giving you our highest level travel insurance.
You can select cover for up to 30, 45 or 60 days per trip. That way, you can travel as often as you like throughout the year (up to your chosen limit).
To be covered by an annual multi-trip plan, your destination must be over 250km from your home. Or, if your destination is less than 250km from your home, your trip must include at least one night of paid accommodation (like in a hotel or Airbnb).
For full details including limits, conditions and exclusions, read these policy documents
To see if your situation will be covered, read the Product Disclosure Statement (PDS).
If your personal items (like your mobile phone) have been lost or stolen:
We'll update you on how your claim is progressing within 10 working days.
An excess is an amount you may need to pay towards a claim. Different levels of excesses may apply, depending on the policy you choose.
For full details, read the Product Disclosure Statement (PDS).
Most claims can be made at any time, but sometimes you'll need our approval before you incur certain costs. Generally, you should make a claim as soon as possible, but if you're unsure, get in touch with us.
All our travel policies include cover for cancellation or rescheduling under certain circumstances. The level of cover depends on the amount you select.
To check what's covered with your policy, read the PDS.
Children are included in the sum insured of their parent, grandparent or legal guardian's policy if they're:
When travelling without a parent, grandparent or legal guardian, children need a separate insurance policy. This policy needs to be purchased by a parent, grandparent or legal guardian.
No, you’re not covered if a company you’ve made a booking with goes out of business.
If a company goes out of business, you might be eligible for a payment under Australian Prudential Regulation Authority’s (APRA) Financial Claims Scheme.
For information about the scheme:
NRMA Travel Insurance issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507), arranged and administered by Cover-More Insurance Services Pty Ltd ABN 95003 114 145, AFSL 241713 and promoted and distributed by Insurance Australia Limited ABN 11 000 016 722, AFS Licence No. 227681 trading as NRMA Insurance (NRMA Insurance) as well as by its authorised distributors. Limits, sub-limits, exclusions, terms and conditions (including eligibility criteria) apply. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Consider your own needs and the Combined FSG/PDS to decide if this product is right for you. For information on the Target Market and Target Market Determinations visit Target Market Determinations (TMD). If you purchase this product from NRMA Insurance or its authorised distributors, they may receive a commission, for more information please refer to NRMA Insurance’s FSG.
