Real Travel Insurance

Our verdict: Real Travel Insurance offers good coverage, with no age limit on comprehensive policies and pre-existing medical conditions may be considered.

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Nicola Middlemiss

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Our Verdict

Real Insurance offers competitive benefit limits with various options to customise your cover to suit your specific needs, including cover for pre-existing medical conditions, snow sports, higher risk activities and cruises.

Pros

  • There's no age limit on Real's comprehensive policies, so travellers of all ages can apply.
  • A wide range of activities are covered as standard but travellers can also choose to add an adventure pack or snow pack to cover specific risks.

Cons

  • Real only covers pregnancy-related claims up until the 24th week. However, we found 11 other brands that extended cover beyond 24 weeks.
  • Real's comprehensive policy only covers theft of cash up to $250 but we found eight brands that offered a higher limit.

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What policies does Real Insurance offer?

Real Insurance offers four insurance policies to travellers. Comprehensive, Essentials, Domestic and Multi-Trip. The insurer of this product is Allianz Australia Insurance Limited. It comes with a cooling-off period of 14 days and a choice of $200 standard excess for international plans.

Real Insurance Travel Insurance features

Standard features
Optional add-ons
Exclusions

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Standard features

These are some of the main insured events that Real Insurance will cover. These benefits apply across all international policies.

  • Overseas medical treatment
  • Lost, damaged or stolen property
  • Trip cancellation or amendment
  • Additional accommodation and transport
  • Theft of money
  • Luggage and travel delay
  • Kidnap and hijack
  • Personal liability
  • Accidental death

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Optional add-ons

Real Insurance also offers a number of add-ons that provide cover for a wider range of risks.

  • Adventure Pack. Extend the number of activities you're covered for, including higher-risk pastimes such as trekking the Kokoda Trail, outdoor rock climbing and motorbike riding with the appropriate licence.
  • Cruise Pack.Cover for a range of cruise-related risks including marine rescue, cabin confinements and medical care on-board..
  • Snow Pack. Cover for a range of risks related to snow sports, including piste closure, damaged equipment, and avalanches.
  • Increased Item Limits. Increases the amount you can claim for specific items.

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Exclusions

Unfortunately, travel insurance doesn't cover everything. Generally, Real Insurance will not pay your claim if it relates to:

  • Unlawful, wreckless or unreasonably unsafe behaviour by you
  • Behaviour while you were drunk or under the influence of drugs
  • Expenses related to a pre-existing medical condition
  • An act of war, invasion or revolution
  • Insolvency of a travel agent, tour operator or accommodation provider
  • Mandatory quarantines or isolations
  • An act of war, invasion or revolution
  • You being unfit to travel or travelling against medical advice
  • Childbirth or pregnancy complications after the 24th week of gestation or if you have had previous pregnancy complications
  • A multiple pregnancy or one where the conception was medically assisted
  • An elective medical or dental treatment, cosmetic procedure or body modification (including tattoos or piercing)
  • Self-inflicted injury or illness, suicide or attempted suicide

Make sure you review the Real Insurance PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions.

How to make a Real Insurance travel insurance claim

You can submit your claim online via the Real Insurance Claims Portal.

You can also call Real Insurance on 1300 551 513, Monday to Friday 8am - 6pm (AEST), or you can email Real Insurance at travelclaims@allianz-assistance.com.au.

Frequently asked questions

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Senior writer

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio

Nicola's expertise
Nicola has written 239 Finder guides across topics including:
  • Personal finance
  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance
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