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, Tokio Marine Management (Australasia) Pty. Ltd. ABN 69 004 488 455 (TMMA) is authorised 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.

You have 21 days from the day you purchase your policy to decide if the cover is right for you and suits your needs. If the policy doesn't meet your needs you can cancel your policy within the "cooling-off period" for a full refund, provided you:

• Haven't started your trip; and/or
• Haven't made a claim; and/or
• Don't intend to make a claim or exercise any other rights under your policy.

Just call us on 8202 4346 and we'll sort it out for you

You can extend your policy under certain conditions.

We'll extend the term of your cover for no additional cost if any delay is due to a reason which is covered under your policy.

For other reasons, you can apply to extend your International or Domestic Single-Trip policy by phoning us on 8202 4346 as soon as practicable prior to your original policy expiry date. Extension of cover is subject to the insurer's written approval and you will need to pay any applicable extra premium. If the insurer agrees to extend cover, you will be issued with a new Certificate of Insurance. The period of insurance on your new Certificate of Insurance, combined with your previous period of insurance, cannot be longer than a combined maximum period of 12 months. Applications to extend cover are subject to additional conditions. Please refer to the Product Disclosure Statement for further details.

Yes, you should list all countries to confirm that cover is available for the countries you are travelling to. You should also check the Smartraveller website as the insurer does not provide cover for any country or region which is the subject of a "Do Not Travel" advisory issued by the Department of Foreign Affairs and Trade prior to or after you purchasing your policy.

Cover for international and domestic river cruising is included automatically in the policy and you do not need to select the Cruise option to be covered.

If you are going on an ocean Cruise which stops at other countries, you will need to select International Cover and select each country where the cruise stops.

All Australian waters and international ocean cruising will require you to select the Cruise option to be covered while you are on your cruise. An extra premium is payable for cruise cover.

If you are going on an ocean cruise which is only in Australian waters or calling into ports in Australia and you still require a policy which includes medical cover whilst you are on board the ship as many on-board medical providers on cruises are not registered with Medicare (check with your cruise provider), you will need to select Australian Cruise as your destination. This will then allow the insurer to give you medical and evacuation cover whilst at sea but not if you go to a medical provider whilst in port in Australia. Please refer to the Product Disclosure Statement for further details.

Please note the Domestic policy does not include any medical cover as the insurer is a general insurer and cannot cover medical costs in Australia. Therefore the Domestic policy is not suitable for cruises if you require cover for on board medical treatment and evacuation.

An extra premium is payable for the Cruise cover option.

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.

• you purchase your policy before you begin your trip; and
• for International cover your trip begins and ends in Australia; or
• for Domestic cover your trip must be wholly within Australia.

• you hold a current Australian Visa (not a tourist, study or working holiday visa) that will remain valid beyond the period of your return from your trip; and
• you hold a return ticket; and
• you have a primary place of residence in Australia that you intend to return to; and
• you purchase your policy before you begin your trip; and
• for International cover your trip begins and ends in Australia; or
• for Domestic cover your trip must be wholly within Australia.

1. is chronic, ongoing, terminal, or has affected or involved one or more of the following:
1. heart, circulatory system, lungs or respiratory system, brain, kidneys, liver, or cancer;
2. surgery involving the back, neck, joints, or abdomen; or
2. in the last 24 months had:
1. presented symptoms which would have caused an ordinarily prudent person to seek medical opinion or treatment;
2. become exacerbated or complicated; or
3. been diagnosed, treated or treatment was recommended by a treating doctor.

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.

1. single non-complicated pregnancies;
2. unexpected pregnancy complications; and
3. childbirth which was accelerated by accidental injury in limited circumstances.

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.

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. 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;
3. the health or care of a newborn child, irrespective of the stage of pregnancy when the child is born; or
4. regular antenatal care.

• 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.

• 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.