NRMA Travel Insurance

About NRMA

With over 90 years of experience, NRMA offers a wide variety of insurance products. Their travel insurance policies are underwritten by Zurich Australian Insurance Limited.

Cover information and limits in the table below verified as correct at 28 April 2024. Other information correct at the time of writing.

NRMA plans

NRMA offers both international travel insurance and domestic travel insurance, with the option for single-trip or multi-trip plans. 

Have a look at the table below for an overview of NRMA’s travel insurance options, including what levels of coverage are available, and what’s included and excluded in each tier. 

Check out Mozo’s data fields or the NRMA Travel Insurance product disclosure statement (PDS) for details on pay-out limits and general exclusions for specific parts of their travel insurance policies.

Does NRMA travel insurance have COVID-19 cover? 

Yes, NRMA travel insurance includes some coverage for COVID-19, but only in relation to policy benefits that cover overseas medical expenses (including emergency evacuation or repatriation) and additional expenses. 

The amount of money that your policy covers you for when it comes to Covid-related claims depends on your level of cover, where the Comprehensive plan offers a higher payout than the Essentials or Domestic plans. 

There are also some exclusions to COVID-19 coverage that you need to be aware of, such as:

• Some COVID-19 benefits only apply to travel in Australia and New Zealand 

• The policy won’t cover you when you travel to a destination against Smartraveller’s ‘Do not travel’ advice 

• There is no cover for border closures or mandatory quarantine 

• Some benefits won’t apply when you’re travelling on a multi-night cruise 

• You will likely need to pay a ‘special excess’ in addition to the standard excess rate when making a travel insurance claim for Covid-related incidents. 

For more information, including the types of claims eligible for cover and any exclusions, have a look at the NRMA travel insurance PDS. 

What optional extras can I add to my NRMA travel insurance policy? 

If you’re planning on going skiing or sailing into the horizon on a cruise holiday, then you may need to look into the optional extras that NRMA offers, as some types of activities won’t be covered by their standard policies.

These optional extras typically incur an extra premium, on top of what your base policy costs. 

The optional extras you can purchase include: 

• Snow travel insurance

• Cruise travel insurance

• Moped/motorcycle riding cover 

• Pre-existing medical conditions 

• Increased item luggage limits.

For details about what each of these optional extras includes and excludes, check out the NRMA travel insurance PDS. 

Are pre-existing medical conditions covered under NRMA travel insurance?

There are a range of pre-existing medical conditions that are automatically covered under an NRMA travel insurance policy, but you’ll still need to seek approval for coverage. That means you’ll need to notify NRMA of any medical conditions you have so that they feature on your certificate of insurance. 

Some conditions that aren’t automatically covered will need to be assessed by NRMA before approval for coverage is granted. 

You may need to pay an extra premium on top of the base policy cost in order for your pre-existing condition to be covered. 

What do I do if there’s an emergency during my trip? 

For 24-hour emergency assistance while you’re on your trip you can call: 

• New Zealand: 0800 033 533 

• UK: 0800 656 9946 

• USA: 1855 812 4898 

• Canada: 1855 812 4898

• Other countries: + 61 2 8907 5584

If you have general questions, call the NRMA enquiries line on 1300 305 790. 

How do I make a claim with NRMA travel insurance?

To make a travel insurance claim with NRMA, head over to their travel insurance website and follow the links to their online claims portal. 

You’ll need to have documents that support your claim ready to go, like a police report if you’ve been a victim of theft. 

NRMA aims to process your claim within 10 working days. 

Is it possible to cancel my NRMA travel insurance policy?

If you need to cancel your NRMA travel insurance policy, there’s a 21-day cooling-off period in which you may be eligible for a full refund. 

After the 21 days is up, however, you may only be eligible for a partial refund of your premium for the unexpired period of cover. 

If you have already started your journey, you will not be eligible for a refund of your premium at all. 

To cancel your cover, call 1300 135 640 or email nrma-insurance@covermore.com.au.

Apply for NRMA travel insurance