RAA Travel Insurance for Australians: 2019 Review

The RAA Travel Insurance Premium Policy meets a very real, but often overlooked need for Australians. Because let’s face it – even though we all love to travel, we don’t really enjoy extra expenses!

But travel insurance is absolutely a need, not a luxury. In fact, if you don’t have travel insurance, then you’re going to end up with a much bigger expense if something happens to you, your family, or your luggage. But of course, you don’t want to spend too much either way.

That’s exactly what makes RAA Travel Insurance one of our top picks. When it comes to choosing a cheap policy, you don’t want to go too cheap, after all. If you do that, you’ll end up with a whole list of necessary things that aren’t covered.

But RAA Travel brings you the balance by offering comprehensive cover at an affordable price.

What Options Does the RAA Travel Insurance Premium Policy Include?

One of the many things that make the RAA Travel Insurance Premium Policy such a great option is the range of choice available. They make no pretenses at offering a one-size-fits-all solution!

And that’s a really good thing. Because one size definitely doesn’t fit all.

So what are the different options on offer?

Who You Need to Cover

First on our list is the ability to decide between Single, Joint, and Family Travel Insurance. There are benefits to each, of course. Naturally, if you’re traveling alone, you don’t want to pay for more than one person. But if you’re traveling with a partner or even a group, then it’s a lot cheaper to get a Joint or Family policy.

Just do be aware that travel insurance policies for groups base their premiums on the oldest traveler. If someone in your party is 65 or older, then you’ll pay more.

On the plus side, RAA Travel Insurance includes children and grandchildren under the age of 25 for free! The only caveat is that they’re traveling with you and don’t work full time.

How Often Are You Traveling?

Next, you have to option of choosing between a Single Trip policy or an Annual Policy.

It makes sense that if you aren’t a frequent traveler, the Single Trip option is going to be a better choice for you. After all, why pay for the whole year when you’re only going to need your travel insurance once or twice?

But if you do travel a lot, whether for business or for pleasure, then the Annual Policy is definitely the better option. It will work out a lot cheaper for you than having to buy a Single Trip policy every time you need to board a plane. And this makes things a lot easier if your work tends to give you short notice on your next business trip.

Domestic vs Foreign Travel

Finally, you can enjoy RAA Travel Insurance regardless of whether you’re traveling to another part of the country or to another part of the world.

This is very easily done. When you apply for a quote online, you’ll be asked to provide your travel destination. And you can select more than one country if you’re going to be backpacking through Europe, for example.

Some people think it’s a waste of money to buy travel insurance when they aren’t leaving the country. But this is a mistake. If you’re getting on a plane, or even taking a cruise along the Australian coastline, you’re going to need travel insurance!

Very Important – The Do Not Travel List

When you apply for a quote, it’s very, very important that you list all the countries you’ll be in while traveling. Your trip also needs to start and end in Australia.

The reason it’s important for you to list every country you’ll be visiting is because there are some countries RAA Travel Insurance doesn’t cover. This isn’t a fault of the company, though – none of their competitors will cover you in those countries either.

That’s because there are some places in the world that are considered high-risk for tourists. If you’re not sure whether you can get travel insurance for every destination on your trip, take a look at SmartTraveller.gov.au. You can search your destinations and find out if any of them are on the ‘Do Not Travel’ list.

What Does the Premium Policy Cover?

There are a lot of benefits to getting the RAA Travel Insurance Policy Cover. Here’s a quick list of them:

  • Unlimited cover for any medical expenses from getting sick or injured while overseas.
  • Emergency dental expenses cover for a maximum of $500.
  • Unlimited additional expenses cover.
  • If you need to change or cancel your policy, RAA Travel Insurance offers unlimited cover.
  • Your baggage and personal items are covered for up to a total of $7,500.
  • The Premium Policy will also cover laptops and cameras for up to $2,500 per item.
  • You can also ensure your cellphone, golf clubs, and other valuables for up to $750 per item.
  • There’s also a maximum of $5,000 coverage for your travel documents.
  • Serious baggage delays qualify you for a payout of up to $750 so you can buy emergency supplies like extra clothes and hygiene products.
  • You can also claim any money lost or stolen for a maximum of $250.
  • Rental car insurance excesses of up to $4,000.
  • If there are any significant delays in your travel schedule, RAA Travel Insurance will give you a payout of up to $1,000.
  • Resumption of the journey is also eligible for a payout of up to $3,000.
  • If you were supposed to attend any special events that get canceled, you can claim up to $1,500.
  • RAA Travel Insurance will also cover any hospital incidents for a maximum of $3,500.
  • Your insurance policy will compensate you up to $9,000 for loss of income.
  • Disability enjoys the cover of up to $25,000.
  • RAA Travel Insurance will compensate you or your family members up to $25,000 for accidental death.
  • RAA Travel Insurance also covers you for personal liability, with a maximum payout of $2.5 million.


As you can see, RAA Travel Insurance is pretty great! If you have any other questions, we recommend reading their Product Disclosure Statement (PDF).

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