Real Insurance Travel Insurance Review

Learn more about Real Insurance’s travel 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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Real Insurance is one of Australia’s leading insurers, offering protection for home and contents, cars, funerals, pets and more. They also offer a suite of travel insurance policies which are underwritten by Allianz Insurance, a global provider of insurance products.

If you’re considering snapping up a Real Insurance travel policy, make sure you compare your quote with Savvy to ensure you get the coverage that’s best for your next holiday. This will help you weigh up the pros and cons of each policy, including what’s covered and what isn’t.

Find out more about Real Insurance’s policies, grab a quote and compare with Savvy today.

*Please note that Savvy doesn’t represent Real Insurance for its travel insurance products.

More about Real Insurance’s travel policies

What types of travel insurance policies do Real Insurance offer?

Real Insurance’s selection of travel policies includes:

  • Comprehensive: this policy will pay for more expenses, such as medical care abroad, flight delays, cancellation for a covered cause, lost or stolen luggage and rental vehicle excess. If you become ill or injured while travelling and need to be evacuated to your home country, you can be covered.
  • Essentials: the standard coverage from Real Insurance only covers travellers for unlimited medical costs abroad and liability costs of up to $2.5 million. Visitors above the age of 75 aren’t eligible for this basic plan.
  • Domestic: this type of domestic travel insurance protects against things like lost or stolen bags, legal liability and trip cancellation. You're also protected against having to pay the funeral bill or the excess on your rental car if something tragic happens.
  • Multi-Trip: this policy is designed specifically for frequent flyers and gives you protection for several trips throughout the year. You can choose from policies covering anything from 15 days to 45 days of continuous travel, including domestic and international.
Comprehensive Basic Domestic
Overseas medical
Luggage/personal items
Personal liability
$5 million
$2.5 million
$5 miillion
Rental vehicle excess
Theft of cash
Travel delays

Whether you’re taking a drive on some of Australia’s outback roads or flying across to Dublin for a much-needed international holiday, having the best travel insurance is vital. That’s why it’s important to compare with Savvy so you can find a policy that’s just right for your next holiday.

What optional extras are available through Real Insurance’s travel policies?

Real Insurance offers several optional extras on their policies which are available if you pay a higher premium. These include:

  1. Adventure pack: if you're the adventurous type who likes to get their heart rate up while on holiday, Real Insurance offers an adventure pack which is designed to accommodate a broad variety of experiences, such as riding motorbikes, mopeds and scooters, quad biking, river tubing and working with animals.
  2. Cruise pack: coverage for emergency medical care, transportation from the ship to the next port, the cancellation of any prearranged shore excursions, and confinement in one's stateroom are all included in Real Insurance's cruise pack.
  3. Increased items cover: if you're planning on taking more expensive items on your vacation, such as a brand-new laptop or an expensive mobile phone, you can purchase additional coverage which allows you to claim more if it’s damaged or lost.
  4. Snow pack: this additional coverage is intended to protect you when participating in a variety of winter sports such as skiing, snowboarding, sledding, tobogganing, and tubing, so you’ll be covered if you’re wanting to hit the snow on your holiday in Bulgaria.

What exclusions should I be aware of when buying a travel policy through Real Insurance?

Some of the general exclusions on Real Insurance’s travel policies include:

  1. Claims of loss of enjoyment
  2. Driving recklessly and breaking local road rules
  3. Drug or alcohol-related accidents
  4. Willingly travelling to a warzone or dangerous country
  5. Illness, injury or death due to an unapproved pre-existing medical condition
  6. Credit card conversion fees
  7. Claims relating to goods seized by a government authority

Before choosing a travel insurance policy for your next holiday, read the Product Disclosure Statement (PDS).

What we think of Real’s travel insurance

What we like

Unlimited cancellation

Real Insurance offers unlimited cancellation coverage, which is more generous than what many of the companies on the travel insurance market are currently offering.

COVID-19 coverage

Should you be diagnosed with COVID-19, your overseas medical bills and trip cancellation can be covered by your policy. You also won't have to worry about paying out of pocket if anything unexpected comes up, like having to go back home because a family member has tested positive.

Flexible coverage for seniors

Real Insurance allows senior travellers of any age to purchase comprehensive, domestic and non-medical plans, while those up to 75 can purchase essential and annual policies.

What we don't like

Limited luggage cover

Unlike some of its competitors, Real Insurance only covers up to $10,000 in lost or stolen baggage and travel papers, whereas some other insurers in the market cover far more than this.

Tough pre-existing medical requirements

If you don't fulfil certain requirements set out by Real Insurance, you may have a difficult time securing coverage for a pre-existing medical condition. Even more so, coverage for pregnant women who travel is quite limited.

Lower personal liability cover

Compared to some other travel insurance providers, Real Insurance’s personal liability coverage is about half of what their rivals offer on their policies.

Types of travel insurance

Why compare travel insurance with Savvy?

Why compare hotels with Savvy?

Frequently asked questions about Real Insurance's travel cover

How do I make a claim on my Real Insurance policy?

Claims under Real Insurance's travel cover may be submitted online at any time, day or night. Providing your insurance information, such as your complete name and date of birth, is necessary if you need to make a claim. Any supporting documentation, such as receipts or medical documents, should be included also.

Providers often respond within ten business days and you should respond quickly to any queries they may have so that your refund isn't delayed.

How much will my Real Insurance travel policy cost?

Your premium depends on a wide range of different factors. For example, the best domestic travel insurance policy for you will likely be different in cost from someone else’s. Some of these variables include:

  • Age
  • Destination
  • Level of coverage
  • Optional extras you choose
  • Pre-existing medical conditions
  • Chosen policy excess
  • Type of insurer and insurance policy you purchase
Does Real Travel Insurance cover pregnancy as part of their travel insurance policies?

If this is your first pregnancy, you're less than 24 weeks along, and you've never had any complications, then the answer is yes. If a potential policyholder is expecting several children or has a history of postpartum difficulties, Real Insurance will need them to submit to a medical examination and application.

What’s the difference between single-trip, annual and one-way travel insurance policies?

There is just one trip covered on a single-trip policy, as opposed to an unlimited number of journeys under annual multi-trip insurance. Real Insurance only covers 45 of the up to 90 days which could normally be covered by an annual policy. Individuals who are unable to purchase tickets for both directions of their travel should feel secure booking one-way only.

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We do not compare all travel insurance brands currently operating in the market. Any advice presented above or on other pages is general in nature and does not consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

Savvy earns a commission from our partners each time a customer buys a travel insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via their websites.

Before purchasing your policy, we recommend you refer to the provider’s PDS for any further information on the terms, inclusions and exclusions.