Any diagnosis of COVID-19 whether this be in Australia or overseas, must be made by a medical professional or government testing program. This would include diagnosis by Your local health authority or the relevant overseas health authority for the country You are travelling in.

We have outlined the most common scenarios that could be raised by our customers below. Please contact us if You have any questions or require any further information or clarification on cover. Customers always have a right to lodge a claim for consideration under their policy, which will be considered in line with policy terms and conditions and their individual circumstances.

Am I covered for medical expenses if I am diagnosed with COVID-19 during my trip?

• Domestic - No medical expenses are covered in Australia as we are prevented from paying by reason of statutory legislation/government regulation.
• International - Yes, Your reasonable overseas medical and hospital expenses are covered, unlimited and subject to full policy terms and conditions.

Am I covered for funeral and emergency expenses if I die from COVID-19 during my trip?

• Domestic - No medical expenses are covered in Australia as we are prevented from paying by reason of statutory legislation/government regulation.
• International - Yes, If You, Your Children or Grandchildren die while overseas, we will pay the reasonable cost incurred, up to $20,000, for either the funeral, cremation or the return of Your remains, subject to full policy terms and conditions.

What if I am diagnosed with COVID-19 on my trip and I need to quarantine or self-isolate are my emergency expenses covered?

Yes, You are covered up to the policy limit depending on the plan you have selected, subject to full policy terms and conditions.

Am I covered for COVID-19 if I am travelling on a multi-night international or Australian Cruise?

• International - Yes, only if You select Yes to ‘Going on a cruise’. Please note that this is an optional extra that will be subject to an additional fee.
• For Australian cruises, You will need to select Australian Cruises as a Destination, select Yes to 'Going on a cruise?', and this will fall under an International Policy. Please note that this is an optional extra that will be subject to an additional fee.

Am I covered for Cancellation Fees and Lost Deposits if I am diagnosed with COVID-19 and I need to cancel my trip?

You are covered up to the COVID-19 benefit limit depending on the plan and cancellation limit you have chosen, subject to full policy terms and conditions.

Am I covered for loss of enjoyment of my cruise or holiday, if I am required to isolate or quarantine due to COVID-19 whilst on my holiday?

No, all policies have a General Exclusion for any Consequential loss which includes loss of enjoyment and as such there is no cover for loss of enjoyment.

Am I covered if I need to quarantine or self-isolate once I enter a region/country based on the government or state regulations?

All policies have a General Exclusion relating to claims directly or indirectly arising from any government or public health authority mandatory quarantine or isolation order imposed on You related to border, region or territory travel in response to COVID-19. Please check with local government and public health authorities prior to Your departure.

We provide cover for river cruising and ocean cruising regardless of whether you are cruising overseas or within Australia. A number of options are available subject to the terms, conditions and exclusions.

Our definition of Cruise means an ocean voyage on a commercially operated vessel for more than one night. If you are travelling for only one night you will automatically be covered under the policy without selecting the Cruise Option.

For domestic travel it is important to understand that medical evacuation and medical costs are not covered as medical costs are covered by Medicare, whilst any additional costs relating medical evacuations will need to be covered by you.

An extra premium is payable for the Cruise cover option.

1. River Cruising – International or Domestic

Cover for river cruising is automatically included in your cover and there is no need to select the Cruise Option. For international river cruising, medical evacuation and medical costs will be covered subject to the policy terms and conditions.

2. Open water sailing – International or Domestic

Please note there is an exclusion on any Open Water Sailing which means sailing more than 12 nautical miles from any landmass. This applies to a sailing vessel using either a motor and/or wind as its means of propulsion and for these types of vessels no cover can be provided unless the vessel stays within 12 nautical miles of any landmass. For example, a customer wishing to sail in a commercially operated sailing vessel along the coast of Croatia or The Whitsundays and always staying within 12 nautical miles of any landmass is automatically included in your cover and there is no need to select the Cruise option.

3. Going on an Ocean Cruise – International

Our definition of Cruise means an ocean voyage on a commercially operated vessel for more than one night. If you are travelling for only one night you will automatically be covered under the policy without selecting the Cruise Option.

Medical evacuation and medical costs will be covered with all ocean cruising subject to the policy terms and conditions. If you are going on an international ocean cruise, you will be covered for this travel by selecting the Cruise Option and adding all countries and regions being visited to the destination list when quoting for a policy.

There are currently no restrictions on the size of the vessel or on the medical facilities required onboard.

Going on an Australian Cruise

4. Cruising to Australia plus international ports

Many cruises depart Australian ports to visit other Australian ports and then international ports of destination. For example, Sydney, Brisbane plus countries in the South Pacific. For these types of cruises, please select Australian Cruise and add all countries and regions being visited in the destination list when quoting for a policy - this will ensure you have cover for any medical evacuation and medical costs while overseas or onboard but please note, any medical treatment received in Australia is not covered given this is excluded and provided by Medicare.

5. Cruising to Australian ports or offshore islands with medical facilities and medical providers onboard and commercially operated

Many cruises depart from Australian ports to visit major city or regional ports, for example cruising from Sydney to Brisbane or cruising in the Kimberly region. If your cruise has medical facilities and doctors onboard, and meets the definition of Cruise, please select Australian Cruise while quoting for a policy. This will ensure you have cover for any medical evacuation and medical costs while onboard, as some medical providers are not registered with Medicare.

6. Cruising to Australian ports or offshore islands with NO medical facilities and medical providers onboard or chartered for self-operation

Many cruises depart from Australian ports to visit major city or regional ports, for example cruising from Sydney to Brisbane or cruising in the Kimberly region. You may also charter a cruise, boat or yacht yourself for self-operation including a fishing trip.

If these cruises have no medical facilities and staff or are chartered for self-operation, please select Australia – Domestic cover, while quoting for a policy.

When you select a region of travel, the insurer covers all the countries included within that region, aside for countries and areas of travel which are the subject of a “Do Not Travel“ advisory issued by DFAT (check www.smarttraveller.gov.au) prior to or after you purchasing your policy. For simplicity, your Certificate of Insurance lists the region name rather than each country individually.

To help you understand exactly where you're covered, we've provided a detailed list of countries grouped by region.

Africa

• Algeria
• Angola
• Benin
• Botswana
• Burkina Faso
• Burundi
• Cameroon
• Canary Islands
• Cape Verde
• Central African Republic
• Chad
• Comoros
• Côte D’Ivoire
• Democratic Republic of The Congo
• Djibouti
• Egypt
• Equatorial Guinea
• Eritrea
• Eswatini
• Ethiopia
• Gabon
• Gambia
• Ghana
• Guinea
• Guinea-Bissau
• Ivory Coast
• Kenya
• Madagascar
• Malawi
• Mali
• Mauritania
• Mauritius
• Moritania
• Morocco
• Mozambique
• Namibia
• Niger
• Nigeria
• Reunion Islands
• Rwanda
• Sao Tome And Principe
• Senegal
• Seychelles
• Sierra Leone
• Somalia
• South Africa
• South Sudan
• Sudan
• Tanzania
• Togo
• Tunisia
• Uganda
• Zambia
• Zimbabwe

Asia (excluding Indonesia/Bali)

• Bangladesh
• Brunei
• Bhutan
• Butan
• China
• Hong Kong
• India
• Japan
• Cambodia
• South Korea
• Laos
• Sri Lanka
• Macau
• Maldives
• Myanmar
• Burma
• Mongolia
• Malaysia
• Nepal
• Pakistan
• Philippines
• North Korea
• Singapore
• Thailand
• Taiwan
• Vietnam

Domestic

• Australia
• Lord Howe Island
• Norfolk Island

Europe (excluding UK)

• Bosnia & Herzegovina
• Herzegovina
• Belarus
• Switzerland
• Cyprus
• Czech Republic
• Germany
• Denmark
• Spain
• Estonia
• Finland
• France
• Faroe Islands
• Georgia
• Gibraltar
• Greece
• Greenland
• Holland
• Croatia
• Hungary
• Isle Of Man
• Ireland
• Republic Of Ireland
• Iceland
• Italy
• Kazakhstan
• Kyrgyzstan
• Liechtenstein
• Lithuania
• Luxembourg
• Latvia
• Monaco
• Moldova
• Macedonia
• Malta
• Montenegro
• Netherlands
• Norway
• Poland
• Portugal
• Romania
• Russia
• San Marino
• Serbia
• Slovakia
• Slovenia
• Sweden
• Tajikistan
• Turkmenistan
• Turkey
• Ukraine
• Uzbekistan
• Vatican City
• Kosovo

Middle East

• Afghanistan
• Bahrain
• Iran
• Iraq
• Israel
• Jordan
• Kuwait
• Lebanon
• Lesotho
• Liberia
• Libya
• Oman
• Qatar
• Saudi Arabia
• Syria
• United Arab Emirates
• Yemen

Pacific (excluding New Zealand)

• American Samoa
• Australian Cruises
• Cocos Island
• Cook Islands
• Christmas Island
• Fiji
• Micronesia
• Kiribati
• New Caledonia
• Niue
• Nauru
• Pitcairn Islands
• Palau
• Papua New Guinea
• PNG
• Tahiti
• Solomon Islands
• Timor-Leste
• East Timor
• Tonga
• Tuvalu
• Vanuatu
• Wallis And Futuna
• Samoa

The Americas (North, Central and South America)

• Aruba
• Netherlands Antilles
• Argentina
• Antarctica
• Antigua And Barbuda
• Bahamas
• Belize
• Bermuda
• Bolivia
• Brazil
• Barbados
• British Virgin Islands
• Canada
• Chile
• Colombia
• Costa Rica
• Cuba
• Curacao
• Cayman Islands
• Dominica
• Dominican Republic
• Ecuador
• Galapagos Island
• Falkland Island
• Guadeloupe
• Grenada
• Guatemala
• French Guiana
• Guam
• Guyana
• Honduras
• Haiti
• Jamaica
• Saint Kitts And Nevis
• Saint Lucia
• Mexico
• Marshall Islands
• N Mariana Islands
• Montserrat
• Martinique
• Nicaragua
• Panama
• Peru
• Puerto Rico
• Paraguay
• El Salvador
• Suriname
• St Maarten
• St Vincent
• Trinidad And Tobago 
• Uruguay 
• United States of America 
• USA
• Venezuela

UK

• England
• Northern Ireland
• Scotland
• Wales

Travel Insurance can provide some protection when unforeseen events occur whilst you are travelling and can help cover unexpected expenses. Travel Insurance can provide some cover for things like theft, accidents, or medical problems. To find out more about the benefits of travel insurance, visit the Department of Foreign Affairs and Trade website.

RAA Travel Insurance is issued by Tokio Marine & Nichido Fire Insurance Co., Ltd (Tokio Marine & Nichido) ABN 80 000 438 291, AFSL 246548. Its managing agent and authorised representative (AR 1313066), Tokio Marine Management (Australasia) Pty. Ltd. ABN 69 004 488 455 (TMMA) is authorised under a binder to act on behalf of Tokio Marine & Nichido to issue its policies and handle and settle claims in relation to those policies, subject to the terms of the authority RAA (ABN 90 020 001 807, AR 228 575) is an authorised representative of TMMA.

Please refer to Refunds - Get a quote online | RAA for the available cancellation options.

Yes, to confirm that cover is available, you should list all countries and/or regions you are travelling to, aside from countries and/or regions with less than a 24-hour stopover. Also check www.smarttraveller.gov.au as the insurer does not provide cover for any country or region which is the subject of a "Do Not Travel" advisory issued by DFAT prior to or after you purchasing your policy.

The maximum days allowed per trip is either 30, 45 or 60 days, depending on the policy you choose. You must select the appropriate number of days that will cover any single trip you may take during the 12 month period at the time of purchase. The days allowed per trip may be able to be increased to a longer duration during the period of the policy and an additional premium will apply. Contact us on 8202 4346 for more assistance.

You are covered for an unlimited number of trips over a 12 month period, provided that each trip is at least 250km from your home. The maximum days allowed per trip is either 30, 45 or 60 days, depending on the policy you choose.

If you purchase the Annual Multi-Trip plan, the Sums Insured under each of the sections of the policy are automatically reinstated on the completion of each trip.

This is an online set of medical questions (assessment) which you will need to complete if you wish to apply for travel insurance but have medical conditions which are not automatically covered under the policy. You can complete this as part of your travel insurance quote. Upon completion of this assessment, we will inform you if the medical condition is covered and any additional premium payable.

If something unexpected happens while you're overseas, we want to ensure we can help make it as stress free as possible. If you have an overseas medical emergency, contact our assistance team immediately (24 hours a day, 7 days a week) on 61 2 8055 1698 (reverse charges accepted from the overseas operator).

If you’re hospitalised, you (or a member of your travelling party) must get in touch with the team as soon as possible. If you don’t, the insurer may not pay for expenses, evacuation or airfares that haven’t been approved by them.

In the event that you’re not hospitalised, but the total cost of treatment will exceed $2,000, you need to contact the team as soon as possible. Again, the insurer might not pay for any expenses that haven’t been approved.

For any medical costs under $2,000, you need to keep all your medical reports and receipts. These will be used to support your claim when it's lodged.

The policies only cover medical expenses while you're overseas. The domestic policies don't include medical cover, as the insurer is prevented from paying costs that would be covered by Medicare or private health insurers. This also extends to any gap payments.

All of our RAA International policies provide 24-hour medical emergency assistance and unlimited reasonable overseas medical treatment (conditions, sub-limits and exclusions apply). We offer a number of policy options with varying benefits and limits for both International travel and Domestic travel, as well as a domestic rental car excess only policy. The policy also covers your Dependants such as children, grandchildren, step-children and foster children at no extra cost, provided they are travelling with you, are up to the age of 25, are financially dependent on their parents, are not working full time, and do not require medical assessment. Please refer to the table of benefits in the Product Disclosure Statement for further details.

Cover is available for up to 110 years of age for Single Trip policies and up to 75 years of age for the Annual Multi-Trip policy provided:

• You are an Australian citizen or permanent resident of Australia; or
• You hold a current Australian visa - but not a tourist, study or working holiday visa, that will remain valid beyond the period of your return from your trip, as well as hold a return ticket, a valid Australian Medicare card and have a primary place of residence in Australia; and
  • you purchase your policy before you begin your trip;
  • for international cover your trip begins and ends in Australia, and for domestic cover your trip must be wholly within Australia.

A Medical Condition means any medical or physical condition, disorder, disease, disability or illness, including any Mental Illness, which at the Relevant Time, You were aware of, or a reasonable person in the circumstances could be expected to have been aware of, and at the Relevant Time:

1. is chronic and ongoing, or terminal, or has affected or involved one or more of the following:

a. heart, circulatory system, lungs or respiratory system, brain, kidneys, liver, or cancer;

b. surgery involving the back, neck, joints, or abdomen; or

2. in the last 24 months had:

a. presented symptoms which would have caused an ordinarily prudent person to seek medical opinion or treatment;
b. become exacerbated or complicated; or
c. been diagnosed, treated or treatment was recommended by a treating doctor.

Terms used above are defined in the Product Disclosure Statement.

1. have not required hospitalisation or treatment (where treatment does not include an annual or routine medical check-up, blood testing or a visit to a medical practitioner to obtain a regular prescription) by any Treating Doctor within the last 24 months (unless a different time-period is specifically listed in the list below) for the Medical Condition;
2. are not awaiting the outcome of any investigation, tests, surgery or other treatment for the Medical Condition; and
3. meet any additional criteria set out in the medical conditions we automatically cover listed below.

1. Acne
2. Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever, however this excludes any Anaphylaxis as part of any such condition
3. Asthma providing you:
1. have no other lung disease; and
2. are less than 60 years of age at the time you purchase the policy
4. Bell's Palsy
5. Benign Positional Vertigo
6. Bunions
7. Carpal Tunnel Syndrome
8. Cataracts
9. Coeliac Disease
10. Congenital Blindness
11. Congenital Deafness
12. Diabetes Mellitus (Type I) providing you:
1. were diagnosed over 24 months ago; and
2. have no eye, kidney, nerve or vascular complications; and
3. do not suffer from a known cardiovascular disease, hypertension, or hypercholesterolemia; and
4. are under 50 years of age at the date of policy purchase
13. Diabetes Mellitus (Type II) providing you:
1. were diagnosed over 24 months ago; and
2. have no eye, kidney, nerve or vascular complications; and
3. do not suffer from a known cardiovascular disease, hypertension, or hypercholesterolemia; and
4. are under 50 years of age at the date of policy purchase
14. Dry Eye Syndrome
15. Epilepsy providing:
1. there has been no change to your medication regime in the past 24 months; and
2. you are on no more than one anticonvulsant medication
16. Gastric reflux
17. Gastric/Peptic ulcer
18. Glaucoma
19. Gout
20. Graves' Disease
21. Hiatus Hernia
22. Hip/Knee replacement if performed more than 24 months ago but less than 10 years ago
23. Hypercholesterolemia (High Cholesterol) providing you do not also suffer from a known cardiovascular disease and/or Diabetes
24. Hyperlipidemia (High Blood Lipids) providing you do not also suffer from a known cardiovascular disease and/or Diabetes
25. Hypertension (High Blood Pressure) providing you do not also suffer from a known cardiovascular disease and/or Diabetes
26. Hypothyroidism, including Hashimoto’s Disease
27. Incontinence
28. Insulin Resistance
29. Macular Degeneration
30. Meniere's Disease
31. Migraine
32. Nocturnal cramps
33. Plantar Fasciitis
34. Raynaud's Disease
35. Sleep Apnoea
36. Solar Keratosis
37. Trigeminal Neuralgia
38. Trigger Finger

Treatment is therefore anything that falls outside of these things or where there has been a deterioration in your condition or a requirement for any further investigation. Please refer to any specific criteria for coverage for an automatically covered condition and ensure you meet all of these to obtain cover.

1. we can cover the medical condition – in which case additional premium may be payable and the medical condition will be listed on your Certificate of Insurance; or
2. we can’t cover the medical condition – in which case, the medical condition that has not been accepted will be listed on your Certificate of Insurance.

Our policies provide cover for pregnancy in limited circumstances.

What is covered?

Cover is included automatically up to the end of the 25th week of pregnancy for:

a. single non-complicated pregnancies;
b. unexpected pregnancy complications; and
c. childbirth which was accelerated by accidental injury in limited circumstances.

You will need to apply for cover if at the relevant time, you know you are pregnant and are aware of, or a reasonable person in the circumstances could be expected to have been aware of, any of the following:

1. there have been complications with this or a previous pregnancy,
2. you are expecting a multiple pregnancy (such as triplets or twins), or
3. you have a medical condition which could have an adverse impact on your health.

Pregnancy Complications

Pregnancy complications are considered medical conditions and need to be disclosed and assessed if you want cover for these conditions whilst on your trip. Pregnancy complications include those that occur during pregnancy or may be caused by medical conditions that already existed prior to the pregnancy, such as previous high risk of miscarriage, gestational diabetes, hyperemesis (severe morning sickness) or pre-eclampsia. Please refer to the medical conditions we need to assess section above.

What is not covered

There is no cover for:

1. pregnancy complications occurring from the 26th week of gestation or as described in the section above (Pregnancy Complications) unless such complications are specifically accepted by Us and noted on your Certificate of Insurance;
2. pregnancy complications within the first 48 hours of the policy purchase, unless the Trip is booked at the same time of the policy purchase;
3. childbirth at any stage of the pregnancy, other than as a result of an accident occurring prior to the end of the 25th week of Your pregnancy which causes You to give birth prematurely;
4. the health or care of a newborn child, irrespective of the stage of pregnancy when the child is born; or
5. regular antenatal care.

We recommend that you contact your treating doctor and obtain written confirmation that you are fit to travel before commencing your planned trip. Please see the section above about changes to your health, which outlines conditions to our cover.

If you are unsure whether you need to complete a medical assessment for your pregnancy, please call 8202 4346 for additional assistance.

Please read the “General Exclusions” section of the Product Disclosure Statement which applies to all sections of cover.

Your Dependants such as children, grandchildren, step-children and foster children are covered at no extra cost if they have not disclosed a medical condition and they meet the following criteria:

• aged 25 years or younger at the time you buy your policy;
• financially dependent on their parents or grandparents and not working full time;
• travelling with you for your entire trip;
• listed on the Certificate of Insurance as your Dependant; and
• whilst on your trip, is dependent on an Adult listed on your Certificate of Insurance.

If they meet the above criteria and you choose our Ski and Winter Sports or Cruise option, they’ll be covered for this as well. If you have omitted to list them, please contact us as soon as possible.

Dependants such as children, grandchildren, step-children and foster children will be covered at no extra cost if they have not disclosed a medical condition and they meet the following criteria:

• aged 25 years or younger at the time you buy your policy;
• financially dependent on their parents or grandparents and not working full time;
• travelling with you for your entire trip;
• listed on the Certificate of Insurance as your Dependant; and
• whilst on your trip, is dependent on an Adult listed on your Certificate of Insurance.

The limit for any benefit payable for Dependants is included in the insured adult's sum insured. For example, if an adult has Total Travel Care cover on a single policy and a claim is made under Section 13 Travel Delay, the maximum amount that may be paid for 1 adult and their children combined is $3,000. Please note there are other sections of the policy whereby the limits are itemised per person which includes Dependants individually e.g. Funeral expenses in section 2D. Please refer to the Product Disclosure Statement for further details.

Insured adults on the policy can travel alone on a trip. Dependants such as children, grandchildren, step-children or foster children who are covered under the policy must travel with an insured adult for the whole trip.