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Are you considering an NRMA travel insurance policy for your next holiday? We’ve done the research for you, so you can get an overview of what is included and excluded with 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 16 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.

  • Events

  • Limits shown apply

  • Covid medical cover

  • Covid cancellation cover

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health illness

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Essentials Plan

    • Per person

    • $10,000,000

    • $10,000,000

    • 250

    • Events
    • Choose $2,000 to unlimited

    • $5,000

    • $10,000,000

    • $10,000,000

    • $1,000

    • $10,000

    • $3,000

    • $3,000

    • $5,000

    • $1,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
    • Comprehensive Plan

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • Events
    • Choose $2,000 to unlimited

    • $12,000

    • Unlimited

    • Unlimited

    • $3,000

    • $8,000

    • $30,000

    • $30,000

    • $45,000

    • $12,000

    • $12,000

    • $10,000

    • $2,000

    • $2,500,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
    • Comprehensive Annual Multi-Trip

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • Events
    • Choose $2,000 to unlimited

    • $12,000

    • Unlimited

    • Unlimited

    • $3,000

    • $8,000

    • $30,000

    • $30,000

    • $45,000

    • $12,000

    • $12,000

    • $10,000

    • $2,000

    • $2,500,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
= Covered = Not covered

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).


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:

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: 

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: 

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.

NRMA customer reviews

NRMA travel insurance
8.6

Overall 8.6

8.4

Value for money

10.0

Policy coverage

10.0

Customer service

10.0

Claims handling

8.8

Trust

23 Reviews

Recent NRMA travel insurance customer reviews Recent NRMA travel insurance customer reviews

NRMA logo

NRMA Travel Insurance review

Overall rating   10 / 10

Worth using their services

Excellent support. As a single female travelling abroad its imperitive that I have an insurer I can trust to look after me. These guys do it in spades!

Full review

Excellent support. As a single female travelling abroad its imperitive that I have an insurer I can trust to look after me. These guys do it in spades!

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Katrina, Queensland, reviewed over 5 years ago

NRMA logo

NRMA Travel Insurance review

Overall rating   9 / 10

Excellent staff from front offices to the end

Quick service professional, and curtsies, could get a loaned car as we paid extra it was worth it. Could not fault from accident to repairs.

Full review

Quick service professional, and curtsies, could get a loaned car as we paid extra it was worth it. Could not fault from accident to repairs.

    Value for money   8 / 10

    Trust   8 / 10

Less

Cecily, New South Wales, reviewed about 8 years ago

NRMA logo

NRMA Travel Insurance review

Overall rating   9 / 10

Customer orientated and reasonable rates.

In my experience the insurer was very helpful in identifying the need of getting cover before travelling overseas this helped in providing peace of mind, especially knowing that health facilities are not of the same standards as provided in...

Full review

In my experience the insurer was very helpful in identifying the need of getting cover before travelling overseas this helped in providing peace of mind, especially knowing that health facilities are not of the same standards as provided in Australia.

    Value for money   10 / 10

    Trust   10 / 10

Less

Kena, New South Wales, reviewed over 8 years ago

NRMA logo

NRMA Travel Insurance review

Overall rating   5 / 10

Can count on them

Very trustworthy

Full review

Very trustworthy

    Value for money   7 / 10

    Trust   9 / 10

Less

Tom, Queensland, reviewed over 8 years ago

NRMA logo

NRMA Travel Insurance review

Overall rating   9 / 10

Great

Very professional & affordable.

Full review

Very professional & affordable.

    Value for money   9 / 10

    Trust   9 / 10

Less

John, New South Wales, reviewed over 8 years ago

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