1. Travel
  2. Travel Insurance

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.


NRMA International Travel Insurance

21-day cooling off period

21-day cooling-off period

You may cancel your policy and receive a full refund of the premium paid as long as you do not wish to make a claim or you haven't departed on your journey.

Cancellation and curtailment for travel insurance

Cancellation and curtailment

If your journey is interrupted or changed, benefits include cover for amendment costs, travel delay and resumption of journey.

24 hours medical assistance

24 hours medical assistance

With 24-hour emergency assistance included, worldwide travel medical help is just a phone call away.

What does NRMA International Travel Insurance cover?

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, travel documents and more across single and annual multi-trips.

Policy benefits include

Overseas medical and dental expenses

Additional expenses

Amendment or cancellation costs

Luggage and personal effects

Travel documents

Delayed luggage allowance

Money

Rental car insurance excess

Travel delay

Resumption of journey

Special events

Hospital incidentals

Hijacking

Loss of income

Disability

Accidental death

Personal liability

When making decisions about our insurance, consider the Product Disclosure Statement and Target Market Determinations.

If you're a regular traveller

If you are a frequent overseas traveller, an international multi-trip policy can save time and money. 

The International Comprehensive Annual Multi-Trip policy can provide cover for a whole year of overseas travel. There are maximum duration options per trip of 30, 45 or 60 days. The shorter the trips, the cheaper the policy may be.

Find out more >

Jayride Airport Shuttle and Transfers

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

Get a quote online

Frequently asked questions

Travel insurance is a type of policy that can cover unexpected events, emergencies, accidents, lost or stolen luggage, delays or cancellations that might occur whilst travelling. The level of cover provided will depend on the type of policy chosen. 
There are many factors that can determine the cost of an international travel insurance policy such as trip duration, the number of countries visited, trip type and activities involved. A person’s age, pre-existing medical conditions and the level of cover required can also affect the final cost.
One way to reduce the cost of travel insurance is to choose a policy that covers the things that you would like to cover without extras that you might not need (for example, for some trips you might not need cover for winter sports). If travelling overseas frequently, an international comprehensive annual multi-trip travel insurance policy could work out cheaper compared to several single policies. You can also increase your excess on claims.
Getting stuck in a foreign country with lost luggage or a broken arm may not be part of the holiday plan, but accidents, delays and lost luggage can easily happen when travelling. For a small investment, you can receive peace of mind that you and your family are protected if things do go wrong.
Travel insurance policies typically cover travellers from the time they leave home until the time they return. A single trip insurance policy covers a traveller for the dates selected when purchasing a policy, whilst a comprehensive annual multi-trip policy provides coverage for multiple trips within the one year, but may limit the maximum duration per trip. The NRMA International Comprehensive Annual Multi-Trip policy provides coverage with a choice of maximum trip durations of 30, 45 or 60 days.
The International Comprehensive Plan and the International Essentials Plan provide you with a choice of excess options. The higher the excess you choose, the lower the premium may be. The excess is the amount of a claim that you contribute to. You can view your excess on the Certificate of Insurance and only applies in the event of a claim. 
If during the period of insurance you suffer an injury caused solely and directly by violent, accidental, visible and external means (not caused by a sickness or disease) resulting in you losing income because you were unable to return to your usual place of employment in Australia, the NRMA International Comprehensive Plan covers up to $1,500 per month for your monthly net of income tax wage, but not in respect of the first 30 days after you originally planned to resume your work in Australia, and only if your disability occurs within 30 days of the accident.

Yes, you can get travel insurance when pregnant, but there are restrictions around this and cover is limited. Cover is only provided for serious, unexpected pregnancy complications that occur up until the 24th week of pregnancy i.e. up to 23 weeks, 6 days.

If you know you are pregnant at the time of purchasing a policy, you will need to apply for cover of your pregnancy if:

  • there have been complications with this pregnancy or a previous pregnancy;
  • you have a multiple pregnancy e.g. twins or triplets; or
  • the conception was medically assisted e.g. using assisted fertility treatment including hormone therapies or IVF

There is no cover for childbirth or costs relating to the health or care of a newborn child are not covered, irrespective of the stage of pregnancy when the child is born.

The International travel insurance plans with NRMA Insurance* automatically cover a comprehensive list of activities to cater for a wide range of tastes. Activities include:

  • Abseiling
  • Archery
  • Ballooning
  • Bungy jumping
  • Flying fox
  • Horse riding
  • Jet boating
  • Jet skiing
  • Kayaking
  • Paragliding
  • Parasailing
  • Snorkelling
  • Surfing
  • Trekking
  • White water rafting
  • Working holidays

To receive coverage for a different activity such as snow skiing, snowboarding and snowmobiling, an extra premium must be paid. 

Terms and conditions
*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.