Real Insurance Travel Insurance

Important information on terms, conditions and sub-limits

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If you’re on the hunt for a top-notch travel insurance policy for your upcoming trip overseas, then you’re going to want to check out Real Insurance travel insurance!

About Real Insurance

Breaking into the Australian insurance market back in 2005, Real Insurance took off right from the get-go, despite being up against a long list of big-name competitors. From car insurance to pet insurance and everything in between, Real Insurance also offers a huge range of other insurance products, which you can check out in Mozo's other insurance category sections. Real Insurance is also backed by South African global insurance leader the Hollard Insurance company.

Cover information and limits in the table below verified as correct at 8 December 2023. Other information correct at the time of writing.

Real Insurance plans

When it comes to travel insurance, Real Insurance offers a broad range of policies to suit all different types of travellers. So, whether you're after comprehensive or multi-trip travel insurance, or perhaps something a little more basic, Real Insurance has something for everyone!

  • 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

    • Per person

    • $20,000,000

    • $20,000,000

    • 500

    • Events

    • Choose $2,000 to unlimited

    • $5,000

    • $25,000

    • $25,000

    • $5,000

    • $3,000

    • $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

    • 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

    • Optional

    • Optional

    • Optional

    • Optional

    More info

    • Comprehensive

    • Per person

    • $20,000,000

    • $20,000,000

    • 500

    • Events

    • Choose $2,000 to unlimited

    • $10,000

    • $50,000

    • $50,000

    • $5,000

    • $25,000

    • $25,000

    • $5,000

    • $5,000

    • $5,000

    • $6,000

    • $5,000

    • $5,000,000

    • 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

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    More info

    • Annual Multi-Trip

    • Per person

    • $20,000,000

    • $20,000,000

    • 500

    • Events

    • Choose $2,000 to unlimited

    • $10,000

    • $50,000

    • $50,000

    • $5,000

    • $25,000

    • $25,000

    • $5,000

    • $5,000

    • $5,000

    • $6,000

    • $5,000

    • $5,000,000

    • 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

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered

    • Optional

    • Optional

    • Optional

    • Optional

    • 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).

What should I know about Real Insurance travel insurance

What pre-existing medical conditions are covered

Real Insurance travel insurance automatically covers 43 different pre-existing medical conditions but be aware that these conditions are subject to specific terms and conditions. So, if you have a pre-existing medical condition, it's crucial to check whether it's covered in the PDS.

What medical assistance you will receive

Heading overseas with a Real Insurance travel insurance policy? Then take comfort in knowing that overseas medical assistance comes with Basic, Comprehensive and Annual Multi-Trip Real Insurance travel insurance policies.

Real Insurance travel insurance provides 24/7 worldwide emergency assistance. If you get sick or injured while overseas but wouldn’t necessarily class it as a medical emergency, so long as medical treatment costs are below $1,000 and you keep any receipts or medical reports you should be able to claim on those.

Cancelling your Real Insurance travel insurance policy

Changed your mind? With Real Insurance you’ll have a 14-day cooling-off period, in which you can cancel your travel insurance policy for a full refund, by writing to Real Insurance. If you cancel your policy after the 14-day cooling-off period, however, you will not receive a refund. 

Keep in mind, if you try to cancel your policy during the cooling-off period, and your trip has already commenced, or you've already made a claim, then you won't receive a refund.

What optional benefits does Real Insurance travel insurance offer?

If you’re looking for additional coverage to add to your travel insurance policy, Real Insurance offers optional benefits like sports and leisure activities and flexible excesses, though this may change your premium. Be sure to check the PDS for more information on how to do this and any specific requirements.

How do I make a claim with Real Insurance travel insurance?

Here's what you need to make a claim on your Real Insurance travel insurance policy:

You can make your claim online via the Real Insurance website, or over the phone. Check out this guide for more information on submitting a travel insurance claim.

What does the Mozo Community think of Real insurance travel insurance?

Go and check out some customer reviews to see where Real Insurance travel insurance sits with the Mozo Community.

Real Insurance travel insurance

There are no ratings yet for Real Insurance travel insurance.

Compare your travel insurance options

Looking for more options? Head over to our travel insurance comparison tool to find the right policy for you, or check out our travel hub for more helpful articles, tips to help you plan your holiday!