Real Insurance Travel Insurance

Real Insurance is a Victorian provider of travel insurance, car insurance, home & contents insurance, life insurance and business insurance.
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The table below displays a snapshot of Real Insurance’s travel insurance policies on Canstar’s database, sorted by Star Rating (highest to lowest). Please note the products and Star Ratings displayed are based on a couple travelling to the USA aged under 70.

 

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What types of travel insurance does Real Insurance offer?

Real Insurance offers both domestic and international travel insurance. If you’re unsure as to which kind of travel insurance is most appropriate for you, or would like to better understand the differences between the different types of cover, check out our comprehensive guide on travel insurance.

What does Real Insurance domestic travel insurance cover?

Real Insurance’s domestic travel insurance policy will cover you for lost or stolen luggage, cancellation fees, lost deposits, rental vehicle excess, emergency accommodation and legal liability.

For more details about what is and isn’t covered, check out the Product Disclosure Statement on Real Insurance’s website.

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What does Real Insurance international travel insurance cover?

Real Insurance’s International Comprehensive policy will cover you for:

  • Medical cover: Real Insurance offers unlimited medical, dental and hospital cover. You must provide a medical practitioner’s report confirming you’re unfit to travel.
  • Loss/theft of personal items: Real Insurance also covers the loss or theft of personal items, including trip delays or damage. It will pay up to $10,000.
  • Travel delays/cancellation: Real Insurance Comprehensive offers up to $12,000 on cancellation cover and lost deposits. It also offers up to $2,000 in additional travel and accommodation due to strikes, natural disasters, riots or other severe weather conditions that may delay your trip.
  • Rental car excess: If, as a result of an unexpected event, the rental vehicle you have hired is stolen or damaged during your journey, Real Insurance Comprehensive will reimburse you for any non-refundable excess payable to the rental vehicle company of up to $5,000.
  • 24/7 assistance: Real Insurance’s emergency worldwide assistance team is available 24 hours a day via phone.
  • Lost or stolen documents: Real Insurance will cover the cost involved in replacing important documents that have been lost or stolen.

Please note that exclusions may apply. For example, your medical cover may not pay claims for medical or dental treatment received in Australia, while it will only cover losses related pregnancy up to and including the twentieth  week. Another example of an exclusion is not being covered for any delays caused by a natural disaster occurring before the start date of your insurance.

For more details about what is and isn’t covered, check out the Product Disclosure Statement on Real Insurance’s website.

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Real Insurance FAQs

Yes, Real Insurance’s international travel insurance policy has unlimited cover for overseas medical, dental and hospital expenses under the following circumstances:

  • You need medical assistance for an unexpected illness
  • You’re seriously injured in an accident
  • You need to be evacuated for an unexpected injury

As always, various conditions and exclusions will apply. It’s highly unlikely that you will be covered if the injury you suffer is classified as a ‘pre-existing condition’, for example.

For more information, read Real Insurance’s Product Disclosure Statement.

Yes, Real Insurance will cover you up to a certain amount for replacing or reimbursing luggage and personal effects that are lost, stolen or damaged while travelling.

Under Real Insurance’s international policy, up to $10,000 worth of your belongings will be covered. Real Insurance will also cover the cost of essential medication if lost or destroyed and has sub-limits for items such as laptops, tablets and cameras.

Again, there are exclusions that come with Real Insurance’s travel insurance policies. For personal items and jewellery, you must specify them before applying, and all items must be approved by Real Insurance; otherwise they will not be covered. Ensure you check the PDS to find out more about what items and luggage are and aren’t covered.

If you’re not sure what to do when your luggage goes missing, check out our guide on travel mishaps and how to avoid them.

Yes, Real Insurance Premium travel insurance will provide up to $12,000 worth of cover on lost deposits and cancellation fees for pre-paid travel arrangements due to unforeseen circumstances outside the traveller’s control on a policy. Read the Product Disclosure Statement for more information.

You can purchase a Real Insurance travel insurance policy by first comparing your options with Canstar and then generating a quote online.  The generator should ask questions such as travel dates, the age of the travellers and the destination, as well as optional extras including snow sport and sub-limits on valuables. It should take around 10 minutes.

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There are two main ways you can lodge a travel insurance claim with Real Insurance, including:

  1. Calling its 24/7 claims line on 02 9333 3919 (domestic enquiries) or +61 2 9333 3919 (international enquiries) and talking to one of its qualified customer service representatives.
  2. Downloading the applicable claim form online, and sending it with the original documentation to:

Real Travel Insurance Claims

PO Box 4860

Sydney, NSW, 2001

Make sure you have the following documents (and details) ready:

  • Policy number
  • Personal details
  • Supporting documentation (flight details, itinerary, receipts, etc.)
  • Bank account details

Check out our guide on how to make claiming for travel insurance easier.

Starting back in 2005, Real Insurance was introduced as an alternative to large money-making insurers. It entered the market in the hope that it could protect the quality of people’s lives at a reasonable price.

Real Insurance strives to deliver innovative insurance products that meet the unique needs of Australians and offer ground-breaking ways of helping its members save money.

Comprehensive - International

Canstar Research
Rating:
Award: Outstanding Value Travel Insurance

Written by: Regina Collins | Last updated: