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Real Insurance Travel Insurance

Real Insurance

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.

Rates and fees verified as correct at 15 November, 2019. 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

  • 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

    • Basic

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • $5,000

    • Events
    • $5,000

    • $1,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    More info
    • Comprehensive

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • $20,000

    • Events
    • $15,000

    • $12,000

    • $12,000

    • $3,000

    • $5,000

    • $20,000

    • $25,000

    • $10,400

    • $5,000

    • $5,000

    • $5,000

    • $5,000

    • $5,000

    • $3,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    More info
    • Annual Multi-Trip

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • $20,000

    • Events
    • $15,000

    • $12,000

    • $12,000

    • $3,000

    • $5,000

    • $20,000

    • $25,000

    • $10,400

    • $5,000

    • $5,000

    • $5,000

    • $5,000

    • $5,000

    • $3,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    More info
= Covered = Not covered

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 your policy covers

What is and isn't covered in your policy will depend on the specific policy and level of cover you choose. However, here's a general scope of what to expect from Real Insurance travel insurance:

For a more accurate understanding of exactly what's covered in a specific policy, please read the terms and conditions.

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.

For example, while Real Insurance travel insurance includes ‘allergies’ as a pre-existing medical condition, this is just limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance and Hay Fever. So if you suffer from anaphylaxis (a life-threatening allergy), you won’t be covered for this.

Here’s a guide to finding the right travel insurance policy if you’re travelling with a pre-existing medical condition.

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.

Age restrictions

To take out a Real Insurance Comprehensive or Basic travel insurance policy, at the time of purchasing the policy, you must be no more than 79 years old. If you’re going for an Annual multi-Trip Policy, on the other hand, cover is only available if you are less than 75 years of age.

Travelling with dependents

Planning a trip for the whole family? Dependant children or grandchildren (under the age of 21 and who aren’t employed full time) that are travelling with you for the entire duration of the trip could be covered for free!

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 cover to add on to your travel insurance policy, here are some of the optional benefits Real Insurance offers:

Sports and leisure activities

Most sports and leisure activities are covered under Real Insurance travel insurance. However, certain activities are only included when you purchase additional cover, such as winter sports.

If you’re heading on an action-packed snow trip then you’ll need to purchase a ‘Winter Sports’ optional benefit to add to your Real Insurance travel insurance policy. This add-on covers skiing, snowboarding and a long list of other snow sports.

Excess reduction

The standard excess on Real Insurance travel insurance policies is $200; however, if you pay an additional premium, you can potentially reduce this to $100 or even $0. Just be sure to check the PDS for more information on how to do this and any specific requirements.

A guide to the fine print of Real Insurance travel insurance policies

Need a little help navigating the terms and conditions? Then check out these top tips on what to look for when choosing a travel insurance policy. To help you out even more, here are some of the main inclusions and exclusions on Real Insurance travel insurance:

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.

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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!

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