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Considering RAA travel insurance for your holiday overseas? Welcome! Here’s what you need to know before signing up for the right policy for you.

About RAA

Founded in 1903, the Royal Automobile Association of South Australia (RAA) specialises in motor, home, and travel services. RAA is underwritten by Tokio Marine & Nichido Fire Insurance Co. Ltd.

Cover information and limits in the table below verified as correct at 21 April 2024. Other information correct at the time of writing.

RAA plans

RAA offers international travel insurance in three different tiers: 

If you’re taking more than one trip within a span of twelve months, you can purchase an annual multi-trip insurance policy from RAA. 

RAA also offers three different domestic travel insurance tiers for local trips within Australia: 

You can tailor your policy with optional extras such as snow sports or cruise cover.  

Check out the policy inclusions, exclusions, and limits in the Mozo data fields below, or have a read through RAA’s product disclosure statement (PDS) on its website.

  • 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

    • Premium

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • Events
    • Unlimited

    • $15,000

    • Unlimited

    • Unlimited

    • $5,000

    • $6,000

    • $25,000

    • $25,000

    • $10,400

    • $5,000

    • $5,000

    • $5,000

    • $8,000

    • $5,000

    • $10,000,000

    • Pre existing conditions
    • Assessment required, no extra cost

    • 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
    • Essentials

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • Events
    • $25,000

    • $7,500

    • $25,000

    • Unlimited

    • $1,500

    • $3,500

    • $15,000

    • $15,000

    • $5,200

    • $1,500

    • $1,500

    • $1,500

    • $4,000

    • $2,000

    • $10,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
    • Basic

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • Events
    • $2,000

    • $5,000

    • Unlimited

    • $1,500

    • $10,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
  • 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

    • Annual Multi-Trip

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • Events
    • Unlimited

    • $15,000

    • Unlimited

    • Unlimited

    • $5,000

    • $6,000

    • $25,000

    • $25,000

    • $10,400

    • $5,000

    • $5,000

    • $5,000

    • $8,000

    • $5,000

    • $10,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • 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 RAA travel insurance have COVID-19 coverage?

RAA travel insurance offers COVID-19 coverage on its Premium domestic and international policies, but sub-limits and conditions apply to cancellation and travel delay claims. Overseas medical and emergency coverage only extends to travellers who acquire the virus when jet-setting abroad.

To get across the full terms and conditions, make sure to read the product disclosure statement (PDS) on RAA’s website

Are pre-existing medical conditions covered under RAA’s travel insurance?

RAA travel insurance automatically covers a few pre-existing medical conditions, but many of these are subject to eligibility criteria as outlined in the PDS. 

Some conditions may be covered for an additional premium. If you have any concerns or questions, you can get in touch with RAA either online or by calling 8202 4589.

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

If you experience an emergency during your trip, you can contact RAA on its 24-hour 7-day emergency hotline: +61 2 8055 1698.

Operators will be able to take you through steps such as contacting relevant embassies or consulates, liaising with medical staff, making claims and paying expenses, and getting in touch with your Australian family.

How do I make a claim with RAA travel insurance?

You can file a travel claim with RAA as soon as you return to Australia by:

You will need to supply relevant documentation as evidence of your claim, including receipts, screenshots, photos, medical bills, police reports, etc. 

Is it possible to cancel my RAA travel insurance policy?

You can cancel your RAA travel insurance policy within 21 days of purchase if you haven’t started travelling or made a claim. You can’t cancel your policy if you intend to later make a claim or take advantage of any other benefits included in the policy.

To cancel, call RAA 08 8202 4346 within 21 days of signing up.

RAA customer reviews

RAA travel insurance
8.5

Overall 8.5

10.0

Value for money

9.0

Policy coverage

10.0

Customer service

10.0

Claims handling

10.0

Trust

2 Reviews

Recent RAA travel insurance customer reviews Recent RAA travel insurance customer reviews

RAA logo

RAA Travel Insurance review

Overall rating   8 / 10

Overall excellent

Great service, good coverage and easy process

Full review

Great service, good coverage and easy process

    Value for money   10 / 10

    Policy coverage   8 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Jayceon, South Australia, reviewed 10 months ago

RAA logo

RAA Travel Insurance review

Overall rating   9 / 10

Great coverage at a fair price.

Taking out RAA insurance for our family holiday to Europe was made easy with RAA. We have 7 family members travelling and with COVID still bubbling away felt we needed the most comprehensive cover at the best price from someone we could trust. We...

Full review

Taking out RAA insurance for our family holiday to Europe was made easy with RAA. We have 7 family members travelling and with COVID still bubbling away felt we needed the most comprehensive cover at the best price from someone we could trust. We asked friends, googled and did our research but in the end, this policy was the best and most importantly you can trust RAA.

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Trust   10 / 10

Less

Jeffrey, South Australia, reviewed over 1 year ago

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Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews. Financial providers may, from time to time, offer incentives for reviews, regardless of the sentiment of the reviews.

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