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COVID-19 benefits

COVID-19 has changed the way we holiday, but with RAA Travel Insurance, you can spread your wings with confidence.

Get a quote online and take out cover before you travel. 

Please note, the information on this page does not form part of the terms of the product. Any information or examples given must not be read as a complete list of eligibility or the standard terms and conditions and limitations that apply to the product. For more information, see the ‘Want to know more?’ section below. 


What are the benefits?

If you purchase Premium International Cover or Domestic Cover, the following COVID-19 benefits will automatically be included from 17 November 2021:
  • COVID-19 Cancellation Fees and Lost Deposits.
  • COVID-19 Additional Expenses.
  • COVID-19 Travel Delay.

From 10 August 2022, the above benefits are available for multi-night cruises on select policies.

  • Note: If you are going on a domestic cruise, Australian Cruises must be selected as your travel destination. This is treated as international destination and all rules to international destinations are applicable. The Premium option must be selected for COVID-19 benefits.

Overseas medical benefits

If you purchase Premium International Cover, the following COVID-19 benefit will also automatically be included from 17 November 2021:
  • COVID-19 Overseas Medical and Hospital and Emergency Expenses.
If you purchase Premium International Cover, you will be eligible for COVID-19 Overseas Medical and Hospital and Emergency Expenses (Refer to section 21, page 20 of the PDS for full details) if:
  • You’re diagnosed with COVID-19 which first shows itself during the Period of Insurance on Your Certificate of Insurance.
  • You’re quarantined due to close contact of a COVID-19 case.
  • Your Travelling Companion is diagnosed with COVID-19 during your trip and your trip is disrupted.

Cancellation fees, lost deposits and additional expenses

If you purchase Premium International Cover or Domestic Cover, you will be eligible for the following benefits, to a combined maximum of $3,500 per insured adult, if:
COVID-19 Cancellation Fees and Lost Deposits (Refer to section 22, page 20-21 of the PDS for full details)
  • Your trip is cancelled or cut short due to you being diagnosed with COVID-19 and you are unable to commence travel or continue your trip.
  • You are a permanent employee of the healthcare industry and your employer cancels your leave due to COVID-19 prior to your trip resulting in cancellation fees and lost deposits on prepaid tickets and bookings you cannot claim from anyone else.
COVID-19 Additional Expenses (Refer to section 23, page 21 of the PDS for full details)
  • The pre-paid accommodation you planned to stay at is closed for cleaning due to an outbreak of COVID-19.
  • You are denied boarding on your scheduled pre-paid public transport due to you being suspected of being infected with COVID-19.
  • You are travelling to attend a prearranged special event (for example a wedding, conference, music festival or sporting event) which cannot be delayed due to your late arrival and your trip is delayed because of COVID-19 related delays outside of your control, for the reasonable additional cost of using alternative public transport to arrive at your destination on time.
COVID-19 Travel Delay (Refer to section 24, page 22 of the PDS for full details)
  • Your scheduled transport is delayed for at least 6 hours for COVID-19 related delays and you cannot claim the expenses from anyone else, you are covered for additional accommodation, meal and traveling expenses, up to the daily limit, for each day the delay continues.

Contact us anytime

Remarkable Rocks, Kangaroo Island

Make a travel insurance claim

You can make a travel insurance claim online or by calling 1300 207 365.

We’ll take your details and guide you through the claim process.


Travellers chatting in city

Frequently asked questions

Find the answers to some questions you may have about RAA Travel Insurance.

If you've got an insurance question, we're likely to have an answer.

Things you should know

Conditions, exclusions, limits, and sub-limits apply. This insurance is issued by Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL AFSL 246548) (Tokio Marine).

Royal Automobile Association of South Australia Incorporated acts as agent for Tokio Marine and may receive a commission which is a percentage of the premium paid and may also receive a portion of the underwriting profit. Consider the relevant PDS and Target Market DeterminationTerms and Conditions and Privacy Policy, available on the RAA website when deciding whether to purchase this product.

Any advice set out above is general in nature only, and does not take into account your objectives, financial situation or needs. Before acting on any of this information, you should consider its appropriateness having regards to your personal circumstances.

Whilst the PDS outlines the Terms and Conditions of these products, the TMDs outline the intended class of customers that comprise the target market for these travel products. This will allow you to consider which products best suit your objectives, financial situation and needs and consider the products appropriateness to your personal circumstances. TMDs also outline matters involving the distribution and the review of these products.