RAA Travel Insurance Review

Learn more about RAA Travel Insurance’s policies to find out about their coverage and fees and compare them with other insurers today.

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, updated on June 26th, 2023       

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Founded more than 120 years ago, the RAA has been providing South Australian and Broken Hill motorists with roadside assistance for generations. Over the years, however, they’ve expanded their service and now offer insurance for homes, cars and travel plans.

If you have your eye on one of RAA's travel insurance policies, make sure you do your research and contrast their plans with those of other insurers right here with Savvy. By comparing the many components of travel insurance policies with us, you can maximise your chances of getting the best policy for your next holiday.

Find out more about RAA’s travel insurance policies, compare them with Savvy and get a quote today.

*Please note that Savvy does not represent RAA for its travel insurance products.

More about RAA travel insurance

What travel insurance policies does RAA offer?

RAA offers several travel insurance policies, including:

  • Domestic Cover: if you’re taking a holiday within Australia, RAA offers a domestic travel insurance policy which covers you for a range of benefits, such as cancellation, lost deposits and the excess on a hire car. You also get the option of tacking on some extras, such as cover for winter sports.
  • Domestic Cancellation-Only Cover: RAA offers a cancellation-only domestic policy which solely covers any costs associated with calling off your holiday due to a covered event.
  • Basic International Cover: designed with those travelling on a tighter budget in mind, RAA offers a basic policy which covers medical expenses abroad, lost or stolen luggage and some limited coverage for emergency expenses.
  • Essentials International Cover: covering the essentials of travel, this policy includes coverage for unlimited medical expenses, lost or stolen luggage, your travel documents and credit cards and the excess on a rental vehicle.
  • Premium International Travel: RAA’s most expansive international policy provides you with cover for a variety of benefits, including medical and dental expenses, cancellation fees, lost or stolen travel documents, emergency expenses and the excess on a hire car.
  • Annual Multi-Trip Cover: by taking out an annual plan, you get coverage for an unlimited number of trips ranging between 30 and 60 days. The cost of the policy is cheaper the less you're travelling.
International Premium International Essentials International Basic Domestic Domestic Cancellation-Only
Overseas medical
Additional expenses
Luggage and personal items
Travel delay expenses
Personal liability
$10 million
$10 million
$10 million
$10 million
Rental car excess waiver
Stolen money

However, by comparing your travel insurance policy options with Savvy, you can find the right level of coverage for the getaway you’re planning, no matter if you’re taking a trip to Abu Dhabi or Alice Springs.

What optional travel insurance extras are available through RAA?

RAA’s travel insurance policies come with a few optional extras for travellers holidaying both at home and abroad. Some of these include:

  • Winter sports cover: if you’re carving up the ski fields in Canada on a much-needed holiday or tackling the slopes at Thredbo, you’ll need to tack on some coverage for ski and winter sports. This offers you coverage for any medical expenses, equipment hire, piste closure, bad weather (including avalanches) and lift passes.
  • Rental car excess cover: planning to tackle your destination on the road? RAA offers extra coverage, up to $8,000, if your hire car is involved in an accident or stolen and you need to fork out for the damage.

What exclusions should I be aware of when buying travel insurance through RAA?

RAA has a slew of general exclusions, such as:

  • Lost business opportunities or loss of enjoyment
  • Claims relating to you breaking the law
  • Competing in a competitive sport, such as professional rugby
  • Accidents caused by intentionally putting yourself in danger
  • Travelling to countries and regions against government advice
  • Accidental death claims if you die by suicide
  • Travelling against medical advice or for medical tourism
  • Accidents caused by alcohol or drug consumption

If you get a travel insurance quote that suits you to a tee, ensure you review RAA’s Product Disclosure Statement (PDS) before you set your decision in stone.

What we think of RAA's travel insurance

What we like

Domestic pet cover

RAA offers this hard-to-find benefit on its international policy, which allows you to claim up to $650 in additional boarding costs if your return travel plans are hit by delays.

Generous claim limits

RAA offers competitive claim limits on benefits such as personal liability ($10 million), stolen cash ($500) and stolen, damaged or lost luggage ($15,000).

Automatic cover for adventure activities

Unlike some insurers, RAA offers automatic coverage for a range of risky outdoor activities, such as abseiling, kayaking, skydiving, surfing and white-water rafting. This means you won’t always have to take out extra cover and pay a higher premium to get peace of mind.

What we don't like

Modest funeral expenses cover

While some providers offer up to $30,000 if you die due to a covered accident and your family needs to pay for your funeral, RAA only offers $20,000.

Limited COVID-19 cover

Cover for some COVID-19-related expenses, such as overseas medical and hospital expenses and travel delays, is only available if you take out the top international or domestic policies.

No specific cover for domestic cruises

RAA doesn’t offer coverage for medical treatment while you’re onboard a cruise liner and may make you purchase an international travel insurance policy even if you’re setting sail through Australian waters.

Types of travel insurance

Why compare travel insurance with Savvy?

Frequently asked questions about RAA travel insurance

How much is the excess on RAA travel insurance policies?

The standard excess on an RAA travel insurance policy is $250. However, for a higher premium, you can reduce this $100 or opt to pay nothing when making a claim.

How do I make a claim through RAA's travel insurance?

RAA allows you to submit a travel insurance claim online or over the phone. If you’re claiming your travel insurance online, you can do it 24/7 and it’s best to do it as soon as your incident occurs so it’s fresh in your mind. The steps to follow include:

  • Log in with your registered email and password
  • Complete the claim form with ample detail
  • Gather any supporting documents and attach them to your claim form
  • Submit your claim form

Once you have filed your claim, RAA’s website says it can take up to 10 working days for the company to process it or determine if you need to provide additional information.

How much will my RAA travel insurance cost?

There is no such thing as an average cost of travel insurance; instead, the cost of premiums varies from one individual to the next based on several criteria, such as:

  • Your date of birth
  • Your chosen destination
  • The level of coverage you buy
  • Any optional extras you need
  • Pre-existing medical conditions you need to disclose
  • The policy excess you choose
  • The type of insurer and insurance policy you buy
What are the differences between single, annual and one-way trip travel insurance?

In contrast to multi-trip plans, single-trip insurance only covers one outgoing and one inbound trip whereas multi-trip policies offer a year’s worth of often up to 60 days in length for each trip. You can purchase one-way travel insurance if you're going on a vacation you don’t have a return ticket booked for (up to a year).

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