RAA Travel Insurance

Lisa & Kris at RAA Richmond ….Both went above & beyond in planning not only my holidays, but ensuring I had appropriate cover just in case it was needed. Have used RAA to arrange travel insurance before & will again. Show details

Although my insurance cost a bit more than some other company’s, I was able to claim easily online and was advised two days later that my claim had been approved and my money was in my bank account the following day. This was the second time I have used RAA Travel insurance Without any hassles in making a claim. Show details

Great experience – Had to change my travel dates sales person was very pleasant and efficient. Even got me a small discount. Nothing seemed to be much trouble, have used them in the past and have had great service then Show details

Preferred travel insurance provider – Easy process, good communication when required. Clear information re outcome of claim processing - will continue to use RAA as preferred insurance provider Show details

A trip of a Lifetime – Always used RAA travel insurance - never claimed. Our trip last year ended in me breaking my hip. Fantastic service - easy to deal w/ , they did all the work & arranged everything for my return to rural Australia. Treated like a queen every step of the way. Show details

Spoke on the phone to consultant, and after 30 minutes would not approve travel insurance --flight from adelaide to goldcoast without medical certificates. Absolute rubbish after giving all relevant information over phone. Would not give me approx price. Not good customer service Show details

If there was the ability to select no Star I would have. The communication was horrendous, it was so hard to speak to anyone. I had receipts for products damaged in Bali when my bag fell off ramp into water and documentation of trip and boat receipt and conversations with the boat company about the incident and they still refused to pay me out. … Read more

They are dishonest, unreliable and criminal. I would NEVER use them again and will be telling all my friends how bad they are.

We took out RAA premium travel insurance for a trip to Italy. Our suitcase was stolen last October, there has been no outcome with our claim. Unless you make a complaint and call, your claim just sits there. No help, outcome or updates given. It is not resolved and I now doubt if it will ever be. The insurance is with a third party and they can't help if you go into a RAA branch either. Show details

I lodged a claim on 19 December 2024 for an incident on a cruise ship on 6 December 2024. I had absolutely zero contact from anyone until 24 February 2025, 9.5 weeks later!!!! The website says they will respond within 10 days and they respond to claims in order of receipt!!! When they finally did respond via email it was as if AI had written the… Read more

response. They were asking for irrelevant documents including proof I had cancelled the trip. I didnt cancel the trip, I was onboard the ship when I had a medical episode. I am claiming for medical expenses. I would absolutely NOT recommend using RAA travel insurance and I am reconsidering whether I will change my Home and Contents Insurance to another provider if this is how they respond to claims. Adjunct -13/3/25 - adding to this review, a friend lodged a claim through Qantas Travel insurance (AIG) on Friday 7/3/25 and received a response on 12/3/25 (2 business days later!!!!) saying her claim has been approved and will be paid in 3 days. I will definitely be choosing Qantas Travel insurance for my future travels.

Bad claims experience – I lodged my claim with RAA in January 2024. It is now December. The claim is being assessed by Tokio Marine in Sydney, RAA’s underwriter. I have answered all questions and requests for information on a timely basis. I have sought the help of AFCA (ombudsman) and they lodged a complaint with RAA seeking a decision on my claim. RAA responded they… Read more

needed more time!! RAA recently sent an email to all members advising their insurance underwriter was changing. In that release they said members would still be able to talk to people in Adelaide about their claims. I contacted RAA and was told there was no one in Adelaide that could help with my claim. I stress, I am not arguing with the decision they have made about my claim. All I want is for them to make a decision. I have rated RAA one star as that is the minimum but for me, the performance should be rated less than zero.

Complete rip off – I’d give zero stars if I could. They basically ignored my claim. Every time I called them the person who answered said she couldn’t get through to the claims department so they must all be busy. I’ve had to escalate to AFCA. Absolutely disgusting service. Show details

Terrible! Avoid! – Avoid at all costs!! Absolutely terrible experience. We provided all relevant Hospital receipts, Doctors documents and associated paperwork for an emergency Hospital stay in Japan, however, RAA still haven’t processed the claim after two months. The Call Centre operators, are just as insipid as their “claims department”, forever passing the… Read more

blame and escalating the claim to other operators who are just as useless.

I am also a Premium RAA roadside member, however, I will never ever renew this membership again.

I would strongly encourage anyone contemplating using RAA travel insurance to use another insurer. RAA are fantastic at taking customer’s money, but they simply avoid paying out claims.

Avoid! If you put in a claim they have unacceptable delays! – I thought using RAA for travel insurance would be safe as it’s a reputable company but this has been so disappointing. Underwritten by Tokio Marine which seem dodgy in hindsight. Lodged a claim in July 2024, it’s now November and still hasn’t progressed beyond them acknowledging the receipt of it. Not worth the money spent on insurance and who know if and when our claim will be approved. Show details

Fair and reasonable – We were pleased that when we reapplied with further Specialist written support stating my wife’s problem was a new, and not her pre-existing problem,that TOKIO Insurance paid out. I will point out that as doctors ourselves,that our reapplication was professionally worded, AND in particular warns the insurer of your subsequent intention to utilise… Read more

the Insurance Ombudsman if they do not accept the claim. Never forget your rights to this independent review of the validity of your claim, as I have helped patients use it to achieve payment from other less reputable insurers.

Great unless you want to claim! – Horrible experience please steer clear of this insurance ignored calls and emails and then after 6 weeks declined the claim easy to set up impossible at the important end Show details

Great experience so far – Have just booked some travel insurance with RAA. Realised I had put in the incorrect return date so called them immediately. The person I spoke to was so understanding and helpful. My policy was amended and a refund was organised. So thankful for his help Show details

Appalling Service from RAA Travel Insurance – My experience with making a claim with RAA Travel Insurance is disgraceful. I made a travel insurance claim in October 2023 and its now January 2024 and I am yet to hear of an outcome. A claim number was confirmed immediately once I had lodged a claim along with the message "Thank you for your claims submission. We will be in contact with you… Read more

within 10 business days to advise you of your claim outcome or if we require any additional information in order to assess your claim"

Then 2 weeks later get a text from Tokio insurance (who underwite RAA Travel Insurance) saying that there is a delay to processing due to their large number of claims and expect an answer within 5 business days and then again 2 weeks later the same message. I then rang the RAA Travel Insurance line in late November 23 and after a lengthy wait they said that they needed more documentation and would email me. I received the email later that day and provided the documents requested same day. Have not heard anymore from them since.

This claim was for 759 euros so not a big nor complicated claim.

I was travelling with my sister and her family and they experienced the same cancellation that I did that led to making a travel insurance claim. Her claim was much higher of course at it affected her entire family travel plans. She had travel insurance with Cover More and her claim was settled in just over 2 weeks!

RAA have had much of my general insurances for many years and due to loyalty I bought their travel insurance product. In the past two months I have received renewal notices for house and car insurances and and renewal notices have shown an increase of up to 32% on their insurance product prices! Shop around , I found cheaper house and car policies AND with better coverage.

RAA deserve no loyalty whatsoever so don't fall for their loyalty savings spin!

Tokio Marine (the underwriters) are scum – Went through the RAA to get travel insurance, which turns out is underwritten by Tokio Marine. Spoke to them over the phone about some claims we had after problems on a European holiday. “Sure we will cover you for that, just put the claims in on the website”. All claims put in and all denied. Has left us over $15,000 out of pocket and left a very… Read more

bitter taste of the raa for promoting this company.

Do not use this company for any sort of insurance. The raa has always been good to us, but after this I think it’s time we moved our 7 insurance policies to another company.

Just so impressed with the service – The young lady on the phone could not be more patient or helpful. I am elderly and needed a little more help perhaps than the younger generations. Most obliging. Show details

Awful travel service – I called regarding a travel enquiry with the RAA, being a member, about the best price for a cruise we were looking to book. Our best price quoted at that point was $9,200. I called and checked if they could better this. The woman on the phone was rude, said they offered the same price as the cruise line, which was $10,500 and that’s it. She… Read more

wasn’t willing to review or see options for us at all. Her manner was dismissive and blunt. We won’t go through RAA travel again.

Take Advantage of the Elderly – My mother 76. She booked a flight from Adelaide to Brisbane and insurance with RAA. She is pensioner and was told on her call it would cost 2000 dollars.My mother became flustered and agreed. I rang them to query what happened and they weren’t helpful at all. They don’t care about their customers they just take advantage of them. My mother… Read more

wasn’t given any service just spoke down to. And i rang and they did exactly the same thing to me. I would book any travel with these people go to a place gives you time and listens.

Service quite rude – I went into RAA to get my international licence, I was originally served by Felicity. I was served with negative attitude and made to feel belittled when asking a simple question to do with appropriate international licence photo. She could of pointed me in the right direction in a kind and courteous way instead of being rude and snappy. It isn’t… Read more

hard to be helpful and explain that there is Australia post around the corner to take appropriate international drivers licence photo.

Necessary when traveling O/s as health systems are not as good as in Aust – We had a health problem preventing us to travel. RAA claims were efficient and professional and the claim was settled reasonably quickly. Show details

Great Travel Insurance option – I ended up in hospital on my Thailand trip and had to make a claim for the first time ever. The claims process is easy and quick - highly recommend. Show details

As bad as it can get – The company doesn't want to provide a tax invoice without my detailed medical conditions printed on the invoice. The representative (name known, email available) suggested to alter the document i.e. use some scissors, cut out my medical history, glue it back together, so that I have an invoice with my name and the cost on it, so that I can claim it from my employer (travel insurance for a business trip). Business travelers, be aware! Show details

Definitely use RAA insurance again – I had to make a claim for the first time ever and RAA travel insurance made it very simple and easy with a very quick turnaround. Will definitely use them again and definitely recommend them. Show details

Shop around – Slow claim processing, left out of pocket when airbnb cancelled our accommodation the night before and we had to rebook more expensive accom last minute. Accommodation isnt covered if you have been refunded. Show details

Terrible no response to the claim – First and the last time to use this insurance policy. Qantas delayed our luggage so we had to purchase the essentials, no response from RAA insurance even after provided all receipts as well as Qantas email proven the event. Paid a premium price for nothing. Show details