More about Real Travel Insurance

Want to know more about Travel Insurance from Real Insurance? We have included some helpful information below to answer all of your questions.

It's quick and easy to buy Real Travel Insurance online. Click here to buy online today.

Real Insurance has partnered with Chartis Insurance to provide Real Travel insurance for our customers.

Real Travel Insurance is underwritten by Chartis Insurance. Chartis is a world leader in insurance, with 90 years of proven experience and customer service. Chartis' 40, 000 employees serve 45 million clients in more than 160 countries.

For more information on Chartis, refer to the Chartis Australia website.

Making a claim

Full details of how to make a claim are outlined in your policy documents.

For a claim form or for questions about making a claim on your policy, contact us for assistance on:

1300 368 979, 8 am - 6 pm AEST Monday to Friday.

24 hour medical assistance

Our highly trained team of assistance personnel (including medical professionals) are available 24 hours a day to help you with medical emergencies and other travel-related problems. Call us from anywhere in the world on 60 3 2772 5592. Please call reverse charge where this service is available.

To contact Travel Guard™ proceed from anywhere in the world
1. Ring the operator in your current locality
2. Book a reverse charge call to:
Country Code: +60    Area Code: 3    Number: 2772 5592



 

Buy your policy online

It's easy to buy your Real Travel Insurance policy online. Click here to buy online now.

Real Travel Insurance policy enquries
Free Phone: 1300 368 979
8am - 6pm AEST Monday to Friday only
or click here to send an email

24 hour Emergency Assistance
To contact Travel Guard™ proceed from anywhere in the world
1. Ring the operator in your current locality
2. Book a reverse charge call to:
Country Code: +60    Area Code: 3    Number: 2772 5592
Find answers to your questions below, or click here to buy online today.

If I go on an overnight boating or sailing trip, will I be covered?

Ocean yachting is an exclusion listed in our General Exclusions, but you are covered for travel overnight on ferries and cruises. Boating or sailing overnight may fall into our General Exclusions, so if you are unsure, you can call our team before you travel on 1300 368 979 to confirm whether your boating activity will be covered.

Am I covered for adventure activities?

You are covered at no extra cost on ALL plans for most amateur adventure and sporting activities, including white water rafting, snow skiing, trekking, bungee jumping, cycling, para-sailing, hot air ballooning and water-skiing. If you are unsure whether your activity will be covered, please contact us on 1300 368 979.

Which countries are not covered under my plan?

You will not be covered for any damage, loss or legal liability arising either indirectly or directly from your travel within, to or through Syria, Sudan, Liberia, Iran, Iraq, Democratic Republic of Congo, Cuba or Afghanistan.

While I am away, am I able to extend my policy?

For Domestic and International travellers

Yes, you can extend your policy, as long as you apply for the extension and pay the required premium before the expiry date of your original policy.

Before we accept your application for extended cover, you will need to confirm your updated travel plans. We will review your plans and claims history before we accept your application. We cannot guarantee that we will accept the extension of cover. Terms and conditions may apply.

Your cover cannot exceed a 12 month period from the departure date listed on your original Certificate of Insurance.

For Frequent Travellers

You are unable to extend for trip beyond 45 days for an Annual Multi-Trip plan.

You should also be aware that acceptances for Existing Health Disorders cannot be extended beyond the original expiry date shown on your original Certificate of Insurance.

I don't have a return ticket, can I still get cover?

If you are either an Australian citizen or Australian permanent resident, you have a Real Travel Insurance policy and plan to return to Australia at the end of your travel, then you are eligible for Real Travel Insurance cover.

Please note that if you do need to make a claim and do not have a return ticket when you claim, we will deduct the cost of your return fare from your last intended place of departure to Australia from any repatriation claim you may make. This fare will be calculated at the same class of cabin as your initial departure fare.

I am over 70, can I get cover under Real Travel Insurance?

Yes! Real Travel Insurance are happy to offer cover to travellers aged over 70 at the time of departure for both domestic and international travel policies.

For travellers aged 85 years and over, you need to apply for cover using a Mature Age Assessment application. If you are accepted for cover, we will be advise you about your terms of cover and premium for your cover.

Which type of cover should I choose?

Select the travel plan specified for country you are travelling to. If you are travelling to multiple countries or regions, you should select the cover type designed for the country or destination where you will be spending the majorty of your trip.

However, if you will be spending more than 96 hours of your travel in the North American, South American or Antartic continents then you must select our Platinum Plan.

Please be aware that Real Travel Insurance policies do not cover any legal liability, loss or damage arising from travel directly or indirectly into, to or through the following countries:

Afghanistan, Democratic Republic of Congo, Cuba, Iraq, Iran, Liberia, Syria or Sudan.

Click here for more information about our different cover types.

Who can be insured under one policy?

For International Travellers aged under 70

Single Cover
The Policy covers You and Your financially dependent children or grandchildren, who are all under 25 years of age, who travel with You.

Family Cover
The Policy covers You and Your financially dependent children or grandchildren, who are all under 25 years of age, plus Your spouse, de facto partner of either gender or any adult Travelling Companion named in the Certificate of Insurance, all of whom must travel with You.

The Policy Holder must be between 18 and 69 years of age and needs to be included in the cover as an Insured Person.

For International and Domestic Travellers aged 70+

Single Cover
The Policy covers You and Your financially dependent children or grandchildren, who are all under 25 years of age, who travel with You.

Family Cover is not available for travellers aged 70+

For Domestic Traveller aged under 70

Domestic Comprehensive Cover

Single Cover
The Policy covers You and Your financially dependent children or grandchildren, who are all under 25 years of age, who travel with You.

Family Cover
The Policy covers You and Your financially dependent children or grandchildren, who are all under 25 years of age, plus Your spouse, de facto partner of either gender or any adult Travelling Companion named in the Certificate of Insurance all of who must travel with You.

The Policy Holder must be between 18 and 69 years of age and needs to be included in the cover as an Insured Person.

Domestic Cancellation and Emergency Expenses Cover

You can nominate up to 10 additional insured persons per policy. Premium are on a per fare-paying person basis.

The Policy Holder must be between 18 and 69 years of age and needs to be included in the cover as an Insured Person.

For Frequent Travellers aged under 70

If You selected single cover, the Policy covers You and Your financially dependent children or grandchildren, who are all under 25 years of age, who travel with You.

A Spouse travelling with You can be covered on an individual trip basis by paying an additional premium.

The Policy Holder must be between 18 and 69 years of age and needs to be included in the cover as an Insured Person.

Who can take out cover with Real Travel Insurance?

Provided you are an Australian permanent resident, travelling to an overseas destination, or within Australia (including Cocos Island, Christmas Island and Lord Howe Island) and you plan to return to Australia at the end of your travel, you are eligible to apply for Real Travel Insurance cover.

If you have financially dependent children under 25 years of age travelling with you, they are covered free of charge on our Annual, Domestic and International comprehensive products.

 

Who are Travel GuardTM?

Travel Guard™ are a team of professional medical and travel specialists, available 24/7 to assist you during any travel emergencies you may have.

Travel Guard™ has access to worldwide assistance centre services including:

• medical appointments or referrals.

• emergency evacuations and repatriations.

• translation services in more than 70 languages.

• lost luggage assistance.

• replacement credit card services.

• help with any other problems you experience during your travels.

Who should I contact in an emergency?

If you have an emergency whilst travelling, you can call us from anywhere in the world on +61 3 9522 4889.

Where possible, reverse charge the call or call the number and we will arrange to call you back.

I need to cancel my policy, will I get a refund?

Provided you have not made or do not intend to make a claim, have not commenced your travel, and have cancelled within 14 days of purchasing your policy, you are eligible to cancel your policy.

If you are eligible for a cancellation, we will refund your premium in full, minus any Existing Health Disorder assessment fees, which are non-refundable. If you cancel your policy after you have commenced travel, or after the 14 day cooling off period, you will not be eligible for a refund. If you cancel your policy and recieve a premium refund, it will be as though your policy has never existed.

To discuss the details of your policy, or to cancel your policy, please call us on 1300 368 979.

What excess do I need to pay if I make a claim?

An excess is an agreed and specified amount of money that is deducted from your claim. If you make a claim with Real Travel Insurance, you may need to pay an excess. Our Policy documents explain these excesses and when they apply.

For International and Domestic Travellers under 70

Excess Payable for One-trip International plans:
5 weeks or longer duration $100 AUD
For Annual Multi-trip Plans $100 AUD
For One-trip Domestic plan $ 50 AUD
The excess can be waived by paying the excess eliminator.

One-trip International plans up to 34 days duration are free of an excess on claims.

Excess Payable For International and Domestic Travellers aged 70+

For Domestic travel plan $50 AUD
For International travel plans $100 AUD
The excess can be waived by paying the excess eliminator.


If you have an existing health condition you will need to call 1800 008 473 to complete an assessment. The assessment will determine whether we are able to provide you with cover for that condition. Please read the following for further information.

I have a medical condition, will it be covered?

Some conditions are covered automatically by Real Travel Insurance. This is providing that there are no planned procedures for the condition, and that during the last six months there have been no complications or exacerbations of the condition.

Conditions that are automatically covered are:

• Acne
• Allergies
• Asthma – nil attacks requiring hospitalisation or medical treatment within the last 12 months
• Cataracts
• Coeliac Disease
• Diabetes – if diagnosed more than 12 months ago and have had no related complications or hospitalisations within the last 12 months
• Eczema
• Epilepsy – seizure free and nil change in medication within the last 12 months
• Essential Tremor
• Gastric reflux
• Glaucoma
• Gout
• Haemorrhoids
• Hayfever
• Hiatus Hernia
• Hip/Knee Replacements – performed more than 12 months ago and no ongoing treatment
• Hyper lipids
• Hypercholesterolemia
• Hypertension
• Hypothyroidism
• Insomnia
• Menopause / HRT
• Osteoporosis – nil fractures within the last 12 months
• Restless Leg Syndrome
• Sleep Apnoea
• Tinnitus
• Varicose Veins

For other conditions and in all other circumstances, an Existing Health Disorder application is required. If you have any doubts, please call us on 1300 368 979.

Do I need to apply for Existing Health Disorder cover?

If you or any person on whose state of health your trip depends on, has a chronic or on-going medical or dental condition, or has a medical condition or dental condition which in the 30 days before you applied for Real Travel Insurance:

• required treatment, investigation, medication or advice from a doctor, chiropractor, physiotherapist, naturopath, psychiatrist or
• which you are aware of, or could be expected to be aware of, that may lead to a claim under this policy.

Then you may be required to apply for Existing Health Disorder cover. Please call Travel GuardTM to apply for this cover.

How can I apply for Existing Health Disorder cover?

If you have an Existing Health Disorder, simply call Travel Guard™ on 1800 008 473  (8.30am to 5pm week days, excluding public holidays) to complete our phone-based medical assessment. Please be ready to provide Travel GuardTM with all necessary details including:

1. The traveller's full name and their age;
2. Details of the trip cover is needed for;
3. Details of the health condition, including current treatments and medications;
4. Contact details of the relevant traveller's current Doctor; and
5. Medical reports as requested from Travel GuardTM.

If the Existing Health Disorder is accepted, a non-refundable $60 administrative fee will also be charged for assessing Your application for Existing Health Disorder cover. An additional premium may also be charged to cover your Existing Health Disorder.

Please note that any Existing Health Disorder cover is limited to the term of the original policy.

Are there any conditions that cannot be covered?

Unfortunately some medical conditions and health-related events cannot be covered, these conditions are listed below: 

• conditions for which you have been given a terminal or malignant prognosis
• sexually transmitted diseases or viruses
• AIDS, HIV or AIDS related conditions
• alcohol or drug addictions
• mental or nervous disorders
• Your or any other person's depression, stress, anxiety, mental or nervous disorder, suicide or attempted suicide or self injury.
• depression or anxiety
• continuing with any form of treatment begun before your journey
• pregnancy or childbirth
• where you are travelling against medical advice
• where you are travelling for the purpose of obtaining medical advice or treatment
• any Existing Health Disorders of relative(s) who are not part of your travelling party.

For more information, please refer to your policy documents.


 


 


 

 

Chartis Australia Insurance Limited (Chartis) ABN 93 004 727 753 AFSL 381686, is the issuer of travel insurance products and services. This information is a brief summary only and might contain general advice. Full details of the benefits, terms and conditions and exclusions that may apply, please refer to the Product Disclosure Statement (PDS) available at www.realinsurance.com.au/travel and consider the PDS in light of your personal circumstances, prior to making any decision to acquire the product. Real Insurance is a distributer of Chartis and may receive a referral fee if you decide to buy this product. JR10/00939