Up to 5% discount on NRMA travel insurance

NRMA travel insurance - Member benefits - The NRMA

Comprehensive
travel insurance policies

The coronavirus (COVID-19) may have impacted your travel plans. We advise anyone planning to travel to check smarttraveller.gov.au for the latest advice and updates, or to contact the travel tour provider.


Choose your NRMA Travel Insurance

Travel insurance gives you peace of mind when travelling. You can choose Domestic Travel Insurance or International Travel Insurance* for your next holiday.

Domestic travel insurance policy

Domestic travel insurance

With Domestic Comprehensive and Domestic Cancellation plans, you can receive cover when travelling if something unexpected occurs such as becoming injured, requiring you to rearrange your trip.

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Choose an international travel insurance policy and save

International travel insurance

International travel insurance plans from NRMA Insurance* give you a choice of cover for overseas medical expenses, amendment or cancellation costs, luggage and personal effects and more across single and annual multi-trips.

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Commission based collaboration.

Up to 5% discount on travel insurance for NRMA Members^

Frequently asked questions

Travel insurance provides you with cover for any emergencies, accidents or unexpected events like theft, delays or cancellations that might happen to you or your belongings whilst travelling. Depending on the policy you choose, the level of cover and price will differ. You can choose travel insurance for Australian domestic trips as well as overseas holidays.

Travel insurance provides cover when travelling for expected events such as injuries, illness or cancellations. Some of the most popular policy benefits include:

  • Travel delay
  • Loss or damage to luggage and personal effects
  • Cancellation and amendment fees
  • Overseas medical and hospital expenses
  • Additional expenses
  • Rental car insurance excess
  • Personal liability
  • And much more

The price of travel insurance depends on various factors including:

  • Age
  • Travel destination
  • Trip duration
  • Any pre-existing medical conditions
  • Cover level
  • Activities planned
  • Any additional cover

Ultimately, the cost of travel insurance comes down to the level of risk to the insurer, so the higher risk you pose, the more you pay for travel insurance.

If you’re planning a holiday that is more adventurous or includes high-risk activities such as scuba diving or rock climbing, then you may also face a premium to cover these activities. The same applies for cruise trips, any expensive valuable items you bring with you or if you want to include rental car insurance.

If you’re looking for cheap travel insurance, then you can consider travelling to less risky parts of the world where healthcare is more affordable or the risk of theft or illness is lower. However, keep in mind that cheap travel insurance isn’t always the best policy so take the time to create a quote and compare prices to suit the trip and your holiday requirements.

As an NRMA Member, you will receive up to 5% discount off your travel insurance policy for domestic and international travel.
Depending on your travel plans, this will determine which type of trip insurance you require. If you know that you are only going on one holiday for the year, to one destination, then it’s likely that single trip travel insurance will cover all your needs. If however, you have planned multiple holidays for the year or are going to be travelling in multiple countries, a multi trip travel insurance policy might be better and cheaper.

*National Roads and Motorists' Association Limited ABN 77 000 010 506 is a separate and independent company from Insurance Australia Limited ABN 11 000 016 722 trading as NRMA Insurance (IAL). We may refer customers to IAL and if you take out a NRMA Travel Insurance policy, IAL will pay us a commission on the premium. ^To get the discount, the new NRMA Travel Insurance policy must be started, completed and paid in full online. The discount will be applied to the total cost of the insurance policy purchased. This offer is only available for purchases online until sold out. Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When we determine your premium on renewal, we may also limit any increases or decreases in your premium by considering factors such as your previous year’s premium amount. This offer cannot be used in conjunction with any other offer or promotion. NRMA Travel Insurance is administered by Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713) and issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507). Please consider your financial situation, needs and objectives and read the Product Disclosure Statement and Target Market Determinations before deciding to buy this insurance. Limits, sub-limits, conditions and exclusions apply.

IAL will arrange for the issue of NRMA Travel Insurance.

All information was correct at the time of writing but may change without notice.