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Features & Benefits
- 24/7 emergency assistance available while travelling with our Australian-based team and registered nurses and doctors available for overseas policies.
- You may be eligible to apply for pre-existing medical conditions cover. Use the Real Travel Insurance online medical assessment tool when you get a quote, to find out if you’re eligible.
- Simple online claims process while you're travelling or when you return.
- We're proud to partner with medical assistance provider Allianz Global Assistance to ensure you have support and care.
General Insurance Code of Practice
To make sure you receive the highest standard of service when taking out cover, we comply with the General Insurance Code of Practice
Things you should know
- A general exclusion applies to all cover if a claim arises due to not following an advice or travel alert by the Australian government or published in a reliable mass media source prior to commencement of your travel.
- Age eligibility applies for some cover levels and additional optional packs.
- Policies have a base excess applicable to all claims apart from some benefits as listed in the PDS. You have the option to vary the base excess, however this may alter your premium.
- Some medical conditions may not be covered or able to be accepted as a pre-existing condition. Our online medical assessment provides an instant outcome. If accepted, an additional premium and a medical excess may be applicable.
- Cover for Personal Liability is not included in the additional Adventure Pack or the Snow Pack options.
Travel alerts and Warnings
Always consult the Smartraveller website prior to any travel.
There is no cover under any benefit of this policy if your claim arises because you didn't follow an advice or warning that a reasonable person would have been aware of, that has been issued by the Australian government (when a ‘reconsider your need to travel’ or ‘do not travel’ alert is in place), which can be found on Smartraveller; or which was published in a reliable mass media source. This applies even if an Australian government has given you permission to travel, or you fall under a specific exemption where there is otherwise a travel ban in place1.
In addition to visas, countries may require proof of COVID-19 test results; vaccination requirements; and compulsory travel insurance, with proof of adequate medical benefit cover. Check with the nearest embassy, consulate or immigration department of the destination you are entering. If you require additional documentation regarding your international travel insurance policy due to international entry requirements, please contact us on 1300 551 513.
Before buying our travel insurance, and while you’re travelling, check Smartraveller and Allianz Partners for travel alerts or advisories for your intended destination(s).
Optional addition
If during the period of your cover you are positively diagnosed with a sickness recognised as an epidemic or pandemic (such as COVID-19), cover may be available under some sections of your policy. Consult your Product Disclosure Statement for details. Make sure you stay up to date and comply with travel information for COVID-19 from the Department of Foreign Affairs and Trade (DFAT) Smartraveller website, World Health Organization (WHO), and the Department of Home Affairs.
17 years of award-winning insurance
At Real Insurance we pride ourselves on providing trusted service and real value to our customers, which has been recognised by 17 consecutive years of industry awards.
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Other Commonly Asked Questions
How do I make a claim?
You can make a claim online while on your trip or upon your return to Australia through our online claims portal.
Have your policy number and personal details ready. We may also ask you for receipts, medical records, police records or your travel itinerary.
If you’re in Australia and need assistance with your claim call our claims team on 1300 551 513.
For 24/7 emergency assistance call +61 7 3305 7499 (overseas) or 1800 010 075 (within Australia).
Please note additional charges may apply for any calls made from mobiles, public telephones or hotel rooms.
What do I do if I need emergency assistance on my trip?
Call emergency services immediately if your condition is life threatening. Call us on +61 7 3305 7499 (overseas) or 1800 010 075 (within Australia).
If the unexpected happens while on your trip call us as soon as you can, our Australian-based case managers are here for you 24 hours a day, 7 days a week, with registered nurses and doctors available when you need them. They’ll step you through the process and take care of things. If you can’t call us straight away, make sure you keep any documentation that may help with your claim, this could include, receipts, invoices, medical records or police reports, and contact us as soon as you’re able to.
Please note additional charges may apply for any calls made from mobiles, public telephones or hotel rooms.
What if I have a pre-existing medical condition?
If you have a pre-existing medical condition that meets this definition, you can apply to include cover under your policy for your pre-existing medical condition(s) at the time of purchasing your policy. Alternatively, you can call our contact centre and they can step you through the medical assessment over the phone, call us on 1300 551 513.
We don’t cover any pre-existing medical conditions unless you complete a medical assessment and we agree to cover you. If you choose not to tell us about your pre-existing medical condition(s); or we decline to cover you; or you decline our offer; you, or anyone else on the policy, won’t be covered for any claim arising from your pre-existing medical condition(s).
How do I make an amendment to my policy?
To amend your travel insurance policy, call us on 1300 551 513.
If I contract an epidemic or pandemic, such as COVID-19, while travelling, am I covered?
This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don’t cover claims that arise from, or are related to, an epidemic or pandemic. However, you are covered under selected benefits in this product if, during your period of cover, you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19. Refer to the Product Disclosure Statement to see which benefits offer cover in the event that you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits and exclusions that apply.
If you have any questions call us on 1300 551 513.
Ready to proceed?
Call us 1300 551 513
Get a Quote
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1. Travel insurance is issued by AGA on behalf of Allianz. Terms, conditions, exclusions, limits and applicable sub-limits apply. For full details and to decide which cover is right for you, refer to the Product Disclosure Statement (PDS) and the Target Market Determination (TMD).