nrma travel insurance reviews

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Travel Insurance

Hold tight!

We're currently revamping our travel insurance vertical. In the meantime, you can get a free online travel insurance quote through Fast Cover today!

Disclaimer:

We’ve partnered with Fast Cover, however, we do not act on their behalf. For questions relating to travel insurance policies, contact Fast Cover directly.

If you click on an affiliate link on our website and then make a purchase of the product or service, we may receive monetary compensation.

Fast Cover Travel Insurance provides travel insurance for a variety of trip types. You can get a travel insurance quote at fastcover.com.au or call 1300 409 322.

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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

NRMA Travel Insurance Reviews

Flexible travel insurance options across Australia and overseas when you buy with NRMA. With many levels of cover, from international to multi-trip they have a policy to suit every budget. Policies are available to those of any age with certain conditions. Dependants travel for free with parent or grandparent. They offer 24/7 emergency assistance no matter where you are in the world. Underwritten by Great Lakes Australia.

NRMA Travel insurance

It was very quick & easy to get, and very well explained. Booked two days before we travelled and all...  Read more

It was very quick & easy to get, and very well explained. Booked two days before we travelled and all the documentation arrived before we left (& by e-mail too)

0 comment on this review

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Roadside assist

For 16-20 year olds like myself, NRMA provides 12 months free roadside assistance, which means I can ...  Read more

For 16-20 year olds like myself, NRMA provides 12 months free roadside assistance, which means I can travel without being worried I will break down and be stuck somewhere. The customer service is fantastic, and hassle free!

Policy document impossible to understand

I hate the way insurance companies write their policy documents that are impossible to understand. Ho...  Read more

I hate the way insurance companies write their policy documents that are impossible to understand. How can you ever expect to get your money back from a claim if they have policies in gibberish.

Our Travel Insurance Comparision Helps You

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Comparetravelinsurance.com.au is Australia’s leading comparison site solely focused on travel insurance.

Our comparison is a free service that allows users to compare quotes in a few simple steps based on limited personal criteria. Comparisons supplied are not a recommendation or opinion about the suitability of a policy for a user. Comparisons are default ranked according to price and users have the ability to sort by popular cover levels. Whilst we compare a vast range of policies, we do not compare all providers in the market. This site compares the following brands: 1Cover, AllClear, Budget Direct, Downunder, Fast Cover Travel Insurance, Insure4Less, InsureandGo, iTrek, Simply Travel Insurance, Ski-Insurance, Travel Insurance Saver, Travel Insuranz, Wise Traveller, Zoom Travel Insurance . The directors and shareholders are common with companies i-Trek Pty Ltd, Zoom Travel Insurance and 1Cover Pty Ltd including it’s subsidiary brand Ski-insurance. CoverDirect takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the providers who participate on this site and should be verified with the insurer before you purchase. This site links users to the website of the provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

CoverDirect Pty Ltd owns and operates this website under AFS Licence 383590.  Located at Level 12, 338 Pitt Street, Sydney, NSW 2000 Australia.

For further information view our FSG and Terms of Use . Contact us by calling 1300 659 411.

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Travel insurance

NRMA Domestic Comprehensive review

Zurich insurance provider..

This is the provider of the insurance product and correlates with the Financial Services Provider (FSP) as registered with the Australian Financial Complaints Authority. You can look up your insurer's provider in the AFCA comparative tables to see how likely consumers were to bring a travel insurance dispute to AFCA about them.

In years (up to and including given number).

Limit per person for cancellation or amendment expenses.

No means 'not covered'. Cover is assessed on individual circumstances.

The limit for additional travel expenses per person if travel is interrupted by an insured event (not including injury or sickness as that is covered separately under 'Additional travel expenses for injury or sickness').

Cover limit for additional travel expenses to reach a special event such as a wedding, conference or sporting event on time if the scheduled transport is cancelled or delayed.

Cover limit for additional travel expenses to reach pre-paid travel arrangements on time if the scheduled transport is cancelled or delayed.

Cover is assessed on individual circumstances.

Limit per person for additional meal and accommodation expenses if scheduled transport is delayed.

The minimum number of hours before transport delay is covered.

Limit per person per 24 hour period for this transport delay. No means 'not covered'. Cover is assessed on individual circumstances.

The overall limit per person for stolen or damaged personal belongings.

Limit for a single unspecified item.

Limit per item for a video or photo camera.

Limit for a laptop or tablet.

Limit for a smartphone.

Overall limit for a single person for baggage lost temporarily.

No means 'Not covered'. Cover is assessed on individual circumstances.

Overall limit for a family for baggage lost temporarily.

The minimum period of time in hours before which cover applies for temporarily lost baggage.

Cover collision damage excess for a hire car.

Limit for collision damage excess for a hire car.

Average rating

Compare domestic travel insurance | choice, everything you need to know about travel insurance.

NRMA Travel Insurance

Important information on terms, conditions and sub-limits.

Are you considering an NRMA travel insurance policy for your next holiday? We’ve done the research for you, so you can get an overview of what is included and excluded with NRMA travel insurance.

With over 90 years of experience, NRMA offers a wide variety of insurance products. Their travel insurance policies are underwritten by Zurich Australian Insurance Limited.

NRMA offers both international travel insurance and domestic travel insurance , with the option for single-trip or multi-trip plans. 

Have a look at the table below for an overview of NRMA’s travel insurance options, including what levels of coverage are available, and what’s included and excluded in each tier. 

Check out Mozo’s data fields or the NRMA Travel Insurance product disclosure statement (PDS) for details on pay-out limits and general exclusions for specific parts of their travel insurance policies.

• Single Duo Family

Limits shown apply

Covid medical cover

Covid cancellation cover

Overseas emergency hospital expense

Overseas emergency medical assistance

Maximum excess

Cancellation fees

Pay extra for no excess

Luggage and personal effects

Additional accomodation & travel

Emergency companion

Resumption of journey

Hospital cash allowance

Accidental death

Permanent disability

Loss of income

Credit Card fraud and replacement

Travellers cheques

Travel documents

Rental vehicle excess

Alternative travel expenses

Personal liability

Pre existing conditions

Cardiovascular disease

Mental health illness

High cholesterol

High blood pressure

Blood thinning medication

Activities covered

Bungee jumping

Conservation work

Mountain biking

Mountaineering

Rock climbing

Scuba diving

Snow sports

Ocean Cruise

Essentials Plan

$10,000,000

Choose $2,000 to unlimited

Assessment required, may cost extra

Comprehensive Plan

Comprehensive annual multi-trip.

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Does NRMA travel insurance have COVID-19 cover? 

Yes, NRMA travel insurance includes some coverage for COVID-19, but only in relation to policy benefits that cover overseas medical expenses (including emergency evacuation or repatriation) and additional expenses. 

The amount of money that your policy covers you for when it comes to Covid-related claims depends on your level of cover, where the Comprehensive plan offers a higher payout than the Essentials or Domestic plans. 

There are also some exclusions to COVID-19 coverage that you need to be aware of, such as:

Some COVID-19 benefits only apply to travel in Australia and New Zealand 

The policy won’t cover you when you travel to a destination against Smartraveller’s ‘Do not travel’ advice 

There is no cover for border closures or mandatory quarantine 

Some benefits won’t apply when you’re travelling on a multi-night cruise 

You will likely need to pay a ‘special excess’ in addition to the standard excess rate when making a travel insurance claim for Covid-related incidents. 

For more information, including the types of claims eligible for cover and any exclusions, have a look at the NRMA travel insurance PDS. 

What optional extras can I add to my NRMA travel insurance policy? 

If you’re planning on going skiing or sailing into the horizon on a cruise holiday, then you may need to look into the optional extras that NRMA offers, as some types of activities won’t be covered by their standard policies.

These optional extras typically incur an extra premium, on top of what your base policy costs. 

The optional extras you can purchase include: 

Snow travel insurance

Cruise travel insurance

Moped/motorcycle riding cover 

Pre-existing medical conditions 

Increased item luggage limits.

For details about what each of these optional extras includes and excludes, check out the NRMA travel insurance PDS. 

Are pre-existing medical conditions covered under NRMA travel insurance?

There are a range of pre-existing medical conditions that are automatically covered under an NRMA travel insurance policy, but you’ll still need to seek approval for coverage. That means you’ll need to notify NRMA of any medical conditions you have so that they feature on your certificate of insurance. 

Some conditions that aren’t automatically covered will need to be assessed by NRMA before approval for coverage is granted. 

You may need to pay an extra premium on top of the base policy cost in order for your pre-existing condition to be covered. 

What do I do if there’s an emergency during my trip? 

For 24-hour emergency assistance while you’re on your trip you can call: 

New Zealand: 0800 033 533 

UK: 0800 656 9946 

USA: 1855 812 4898 

Canada: 1855 812 4898

Other countries: + 61 2 8907 5584

If you have general questions, call the NRMA enquiries line on 1300 305 790. 

How do I make a claim with NRMA travel insurance?

To make a travel insurance claim with NRMA, head over to their travel insurance website and follow the links to their online claims portal. 

You’ll need to have documents that support your claim ready to go, like a police report if you’ve been a victim of theft. 

NRMA aims to process your claim within 10 working days. 

Is it possible to cancel my NRMA travel insurance policy?

If you need to cancel your NRMA travel insurance policy, there’s a 21-day cooling-off period in which you may be eligible for a full refund. 

After the 21 days is up, however, you may only be eligible for a partial refund of your premium for the unexpired period of cover. 

If you have already started your journey, you will not be eligible for a refund of your premium at all. 

To cancel your cover, call 1300 135 640 or email [email protected] .

NRMA customer reviews

Nrma travel insurance.

Overall 8.6

Value for money

Policy coverage

Customer service

Claims handling

Recent NRMA travel insurance customer reviews Recent NRMA travel insurance customer reviews

NRMA Travel Insurance review

Overall rating   10 / 10

Worth using their services

Excellent support. As a single female travelling abroad its imperitive that I have an insurer I can trust to look after me. These guys do it in spades!

Full review

Value for money   10 / 10

Policy coverage   10 / 10

Customer service   10 / 10

Claims handling   10 / 10

Trust   10 / 10

Katrina, Queensland, reviewed over 5 years ago

Overall rating   9 / 10

Excellent staff from front offices to the end

Quick service professional, and curtsies, could get a loaned car as we paid extra it was worth it. Could not fault from accident to repairs.

Value for money   8 / 10

Trust   8 / 10

Cecily, New South Wales, reviewed about 8 years ago

Customer orientated and reasonable rates.

In my experience the insurer was very helpful in identifying the need of getting cover before travelling overseas this helped in providing peace of mind, especially knowing that health facilities are not of the same standards as provided in...

In my experience the insurer was very helpful in identifying the need of getting cover before travelling overseas this helped in providing peace of mind, especially knowing that health facilities are not of the same standards as provided in Australia.

Kena, New South Wales, reviewed over 8 years ago

Overall rating   5 / 10

Can count on them

Very trustworthy

Value for money   7 / 10

Trust   9 / 10

Tom, Queensland, reviewed over 8 years ago

Very professional & affordable.

Very professional & affordable.

Value for money   9 / 10

John, New South Wales, reviewed over 8 years ago

Apply for NRMA travel insurance

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Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

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NRMA Travel Insurance

Our verdict: nrma has some particularly high benefit limits and offers 5% off if you already have insurance with them..

In this guide

Summary of NRMA International Comprehensive policy

How does nrma travel insurance cover covid-19, what policies does nrma offer, here's a breakdown of nrma travel insurance features, standard features, optional add-ons, how to make an nrma travel insurance claim, here's the bottom line about nrma travel insurance, frequently asked questions, request travel insurance quotes and compare policies.

Destinations

• NRMA covers up to $10,000 of your rental car excess, higher than many other brands.
• NRMA covers up to $45,000 for loss of income. We didn't find another brand that offered more cover in this area.
• There's no option to add higher-risk activities to your policy, such as outdoor rock-climbing, which might rule NRMA out for some travellers.
• NRMA offers limited coverage for expenses related to COVID-19.

Compare other options

Congratulations, NRMA!

NRMA received the highly commended award for 'Travel Insurance - Comprehensive' in the 2023 Product Awards . NRMA also received the highly commended award for 'Travel Insurance' in the 2023 Customer Satisfaction Awards .

Table updated September 2023

NRMA offers some cover in relation to COVID-19, including:

• Appropriate overseas medical, emergency, evacuation or repatriation costs if you're diagnosed with COVID-19.
• Additional expenses if you're diagnosed or admitted to hospital with COVID-19.
• Additional expenses if a relative or your business partner not travelling with you becomes sick as a result of COVID-19.
• Amendment or cancellation costs if you or your travelling companion are diagnosed with COVID-19 before you leave.
• Amendment or cancellation costs if your non-travelling relative or business partner becomes sick due to COVID-19.
• Amendment or cancellation costs if you're are an essential health care worker whose leave is revoked due to COVID-19.
• Amendment or cancellation costs if you or your travelling companion are diagnosed with COVID-19 on your trip.

There are some scenarios that are not covered by NRMA Travel Insurance, including if your accommodation or tour cancels due to COVID-19 or if you travel knowing you have COVID-19.

NRMA offers six insurance policies to travellers - International Multi-Trip, International Comprehensive, International Essentials, Domestic Multi-Trip, Domestic Comprehensive, and Domestic Cancellation.

International Multi-Trip

International Comprehensive

International Essentials

Domestic Multi-Trip

Domestic Comprehensive

Domestic Cancellation

The insurer of this product is Zurich Australian Insurance Limited. It comes with a cooling-off period of 21 days and choice of $250 standard excess for international plans.

These are some of the main insured events that NRMA will cover. These benefits apply across all international policies.

• Overseas medical treatment
• Lost, damaged or stolen property
• Trip cancellation or amendment
• Additional accommodation and transport
• Delayed luggage allowance
• Rental car insurance excess
• Emergency dental costs
• Kidnap and hijack
• Personal liability
• Accidental death

NRMA also offers opportunities to tailor your cover to suit your needs. It has a specific Cruise Cover option but otherwise you just have to request a quote for your other needs.

• Cruise cover. Mandatory if you are going on a multi-night cruise, includes extra cover for some cruise-related risks such as cabin confinement and missed ports.
• Medical Conditions and Pregnancy. NRMA may consider covering your pregnancy or pre-existing condition following a health questionnaire.
• Increase luggage item limits. You may be able to increase the item limit by paying an additional premium.
• Motorcycle/moped riding. Extends your insurance policy to cover some motorcycle and moped-related claims, but not personal liability.
• Snow skiing, snowboarding and snowmobiling. If you want your policy to cover you while on the slopes, you'll need to pay an additional premium.

Unfortunately, travel insurance doesn't cover everything. Generally, NRMA will not pay your claim if it relates to:

• Unlawful, wreckless or unreasonably unsafe behaviour by you
• Behaviour while you were drunk or under the influence of drugs
• Expenses related to a pre-existing medical condition
• An act of war, invasion or revolution
• Insolvency of a travel agent , tour operator or accommodation provider
• Mandatory quarantines or isolations
• You being unfit to travel or travelling against medical advic
• Childbirth or pregnancy complications before the 24th week of gestation or if you have had previous pregnancy complications
• An elective medical or dental treatment , cosmetic procedure or body modification (including tattoos or piercing)
• Self-inflicted injury or illness, suicide or attempted suicide

Make sure you review the NRMA PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions .

You can claim online via the NRMA website, following these instructions:

• Describe the incident
• Enter your expenses or losses
• Upload any supporting documents
• Provide your bank details
• Review and finalise your claim

You can save and return to an incomplete claim for up to 28 days. Once you've lodged your claim, NRMA will update you within 10 working days.

You can also phone NRMA on 1300 135 640 between 9am-5pm, Monday to Friday. Or you can fill out a claim form and post it to:

NRMA Travel Insurance c/o Cover-More Claims Department Private Bag 913 North Sydney NSW 2059

NRMA offers particularly high benefit limits, so if you're travelling with expensive items or have a high rental car excess, it could be a good option.

However, any travellers keen to take part in risky or high-adrenaline activities may want to look elsewhere as NRMA doesn't offer an opportunity to add an adventure pack to its policies, whereas many other insurance brands do.

If you're still not sure about NRMA, you can compare other travel insurance companies here .

What type of documentation do I need when making a claim?

NRMA may ask you to provide a range of documents including receipts, valuation certificates, credit card or bank statements, photos or an emergency services report.

Does NRMA cover pre-existing conditions?

NRMA covers a range of pre-existing conditions as standard, including asthma, coeliac disease, and bunions. Some additional conditions are covered with specific conditions, such as not being hospitalised within a certain time period, while others you will need to apply for specific cover and pay an extra premium..

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Nicola Middlemiss

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds.

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Travelling to Bankok Singapore

Thanks for reaching out to Finder.

If you are looking to apply for a travel insurance with NRMA , you may directly visit their website to request a quote or to speak to a representative who can help with your insurance enquiries.

Alternatively, you may compare policies from different brands from our Travel insurance for Singapore page. Simply enter your travel details and press “Get my quote”. Once you have chosen a particular cover, you may then click on the “Go to site” button and you will be redirected to the insurer’s website where you can proceed with your application or get in touch with their representatives for further assistance.

Before applying, please ensure that you read through the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

Cheers, Joanne

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NRMA Insurance   Reviews

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Reviews 3.3.

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If you like communication, go elsewhere

I got a text from NRMA advising that my policy had been cancelled due to not being paid. I’m usually pretty good with all my payments, but obviously over Christmas things got a little bit tight this year. The First communication that either my wife or I received was a text that our policy was cancelled. Apparently we had been emailed but we have no record of the email in the nominated email address. It was even more distressing that I simply couldn’t catch up the payments, and had to go through the rigmarole of setting up a new policy so I’m covered. Also I was really disappointed to learn that half the details they had on file for my now defunct policy were incorrect.

Date of experience : 14 January 2024

Reply from NRMA Insurance

Hi Nathan, Thank you for bringing this to our attention, and I apologize for any inconvenience this has caused. I understand how distressing and unexpected it can be to receive such notifications, especially during the holiday season. We are glad to hear that you have taken up a new policy as it is important to make sure that the asset is covered. If you are unhappy with your experience, you are welcome lodge a formal complaint. Full details can be found at this link https://www.nrma.com.au/complaints-resolutions ~ Cindy

Policy Number HOMN 0000051703

Message: I want to cancel the above policy on 1/2/2024. I eventually managed, (after 2 hrs) to talk to someone at NRMA on 18/1/2024 to cancel the policy. I cannot find an e-mail address to put this in writing. The lady on the phone said she will confirm my cancelation with an e-mail, I have not received this e-mail that she assured me will be sent as confirmation. All e-mails NRMA send me are No reply! Your online site is completely unhelpful. Nowhere to cancel a NRMA policy. Pleased I never had to contact NRMA for a claimNo one answers your132132 number

Date of experience : 18 January 2024

Hi Johan, It is disappointing to hear about your experience with the cancellation of your policy. We would like to further assist you with that. Would you be able to send us a PM with further information on https://www.facebook.com/nrmainsurance/? ~ Cindy

When I’ve needed HELP.

NRMA have always been there when I needed, in the 29 years I’ve been a member. The communication with the staff is pleasant, informative & made easy with any situation. Rhonda.

Date of experience : 21 February 2024

Thank you for sharing your long-term experience with NRMA, Rhonda. We're glad to hear that our team has consistently provided pleasant and informative communication throughout your 29 years of membership. We're committed to continuing to support you with any situation that may arise in the future.~ Checo

Beyond annoyed

Beyond annoyed! Have just spent 4 hours on the phone trying to fix a mistake that your customer representative made processing our payment. May not have been so annoyed had we not dealt with a rude customer service rep in the meantime. The fault was most definitely on your end NRMA! Not ours! This mess will take another couple of days to fix yet - ridiculous! I’ll supply my policy number in the email I send in the next few days - as I said, still fixing it!

Date of experience : 27 November 2023

Hi Amanda, thanks for sharing your feedback with us here. Please accept our apologies for the inconvenience caused. While mistakes can occur, there is no way that one should be subjected to rude behaviour. We do hope that this matter is resolved soon. ~Adi

My claim for an accident was given the extreme runaround

My claim for an accident was given the extreme runaround, l even had to prove that my policy was current and that I had paid my premium. When I supplied this proof they still wanted to charge the full excess even though the accident was not my fault. I had to get a copy of the CCTV footage at a great inconvenience to myself before they waived this. Text messages to their claims department were quite often ignored. They are soooo shonky. Beware!!!! Maximising shareholder profits by screwing their customers.

Date of experience : 10 September 2023

Hi Glen, My sincerest apologies for the difficulties you faced throughout your claim process. We would love to look into this for you. Can you please send us a private message via Facebook using the link below with your claim number? https://www.facebook.com/nrmainsurance/ ~Max

Take care, lest you pay too much

Ensure that you get a couple of other quotes always. Very polite and well meaning staff, but they are not authorised to do anything really. They disappear to get authorisations often. Be prepared to wait for extended periods. Then make sure you ring around and get other quotes. NRMA was twice the cost! Be careful. And this is despite having two insurances with them currently with no claim and loyalty bonus. I am switching my policies to another provider.

Date of experience : 09 November 2023

Hi Vincent, we are sorry to hear you are moving to another provider as you feel our pricing is not competitive. When comparing prices, all companies offer different features and benefits with their policies so pricing will differ from company to company. While many details may look the same, there are often differences. We understand price is important but so is the coverage you receive, and we are proud to offer our customers the peace of mind that comes with having Australia’s largest general insurance group in your corner. ~Kaz

So disappointed with lack of service

So disappointed with lack of service. My car burnt out (Maringinup fires) whilst assisting with rescuing 60 horses. Lodged online claim within 24hrs, two phone calls from us at no point given details of process or timeline. A week later car still not collected and no contact from NRMA. Pls don’t tell me you’ll send an assessor or a tow truck one more time, it has no wheels, steering wheel, seats or anything, it is a shell. It will take 2 seconds for an assessor to say it’s written off. Pls no more sorry’s, I want action. you have my name and details, this goes to show what i'm pointing out, why should i repeatedly contact you, where is your customer service to contact me? you have my name, phone number and email, absolutely appalling service.

Date of experience : 30 November 2023

Hi Sandi, thanks for bringing this to our notice. Sincere apologies for the delays that you have experienced in relation to your recent motor claim. This is surely not the experience we would offer to our customers. So that we can have a closer look at this, please private message us through Facebook Messenger https://go.nrma.com.au/FBmessenger, where we can securely take your details to pass on your feedback to the concerned team requesting them to contact you. Appreciate your patience. ~Adi

MURWILLUMBAH Great Customer Service

MURWILLUMBAH Great Customer Service Car Insurance - Comprehensive It is important to go into an NRMA office, where you get treated like a real customer, and go through all the details together; thank you Ladies : ) Often some things that are not evident online (get missed) and when you are communicating with a real live person, you always come off better. We did this when we were in Wauchope, and again today we walked into the NRMA office in Murwillumbah; so glad we did. We will always go into an office from now on and will tell our friends to do the same. Customer Service is very difficult online : ) : ) : ) Insurance Type: Comprehensive Plan covers drivers under 25: No Claim Made: No Invoice Number : 310 WGUH Car Model: Jeep Wrangler Value for Money Transparency

Date of experience : 20 November 2023

Hi Linda, thank you so much for taking the time to share your positive experience with our Murwillumbah office. We're thrilled to hear that you found the in-person customer service to be valuable and reassuring. At NRMA Insurance, we strive to provide excellent service both online and in our offices, and it's wonderful to know that the personalized assistance in this instance made a positive impact. Your feedback underscores the importance of the human touch in addressing insurance needs. We truly appreciate your loyalty and willingness to recommend our in-person service to friends. ~Adi

Incompetent

Incompetent staff. Lack understanding of their systems. Inability to compensate “clients” or reward long standing “clients”. Lack or empathy or ability to instill or renew trust in the insurance company. You think you pay for membership and care/help when you need it but incompetent staff set something completely different up. And there is NO compensation for their errors!!!! Interesting that my app profile says I have membership!! What a colossal F-up!!!!

Date of experience : 21 January 2024

Hi Trish, It is disappointing to hear about your experience. It looks like our friends over at the NRMA (roadside assistance) are better suited to help with this one. Although we still share the same brand, NRMA Insurance and the NRMA went our separate ways back in 2000. We’re still here to help where we can, but for this particular query, get in touch with the NRMA team on 13 11 22, head to mynrma.com.au/contact or visit their Facebook page at https://go.nrma.com.au/facebookmynrma. ~ Cindy

NRMA is one of the few companies that…

NRMA is one of the few companies that still retain geographically located branches that you can physically walk into and talk to a human being and get your request actioned on the spot with an attentive response and excellent customer service and support. I have had a similar positive experience with NRMA roadside assistance also. Well done NRMA

Date of experience : 11 March 2024

Thank you for sharing your experience with NRMA, Tammy. We truly appreciate your recognition of our commitment to providing convenient and attentive customer service. At NRMA, we strive to maintain accessible branches and deliver excellent support to our customers. We're delighted that you've had positive encounters with both our in-person branches and roadside assistance services. Your feedback motivates us to continue delivering high-quality assistance. Thank you for choosing NRMA. ~ Checo

POLICIES DISAPPEARED AND REAPPEARED

Looked up my MRMA Account earlier today to check when my car’s policy was due to renew. It stated that it had not been renewed and had expired in March this year. First, spent an hour checking that I had paid it. Confirmed via bank that I had. Tried to speak to someone - hopeless. Tried to log in again and as usual stated they were experiencing technical difficulties. Again two hours later and my car policy had reappeared- current until March 2024. No way I will renew with this hopeless crowd.

Date of experience : 07 December 2023

Hi Ed, thanks for letting us know, that is a very strange thing to happen and we would like to follow up with our IT team to get your account checked, could you message us at this link please so we can help https://www.facebook.com/nrmainsurance ~Kaz

Online quote

Online quote. I only have the contents in my bedroom to insure. During the quote process I selected that I am renting as part of a sharehouse and I only have one bedroom I am renting in and I did not select any extra insurance options or insured items. Despite all this NRMA reckons I have $88k worth of contents to insure, with the minimum amount I could choose being $40k. How does a multi-million dollar, major insurance company approve such a daft asset calculation system?

Date of experience : 15 December 2023

Hi Dave, thank you for sharing your experience. It is difficult to comment without the details of your quote however, if you need clarification or assistance, please consider calling our team. You can contact them on 132132 available 8am-8pm AEDT for more information. Hopefully this matter will be clarified and explained better for you. ~ Checo

Overseas call centre staff who are not…

Overseas call centre staff who are not knowledgable in the products. In the past, when local Australian based staff have answered my calls they have been amazingly helpful - giving me lots of options when renewing. Not this time - do not like speaking with overseas call centres who read from scripts and are unable to help you in any way should you require information on numerous different options to work out what is best for me - the customer.

Date of experience : 08 November 2023

Hi Tracey, thank you for sharing your feedback with us. Sincere apologies for any inconvenience caused by the service you received from our contact centre staff. We appreciate your understanding and want to assure you that all our staff, including those in the overseas call centre, undergo comprehensive training to provide assistance. We are continuously working to enhance our services to better meet your needs. Thank you for being a valued customer. ~Adi

Very easy to get a new car insurance…

Very easy to get a new car insurance cover - spoke to a real person after researching quotes online. Simple and straightforward. Thanks Heidi-

Date of experience : 14 February 2024

Hi Brett. Thank you so much for your kind words! We're thrilled to hear that your experience getting a new car insurance cover was easy and straightforward. Our team works hard to provide excellent service, and Heidi is delighted to have been able to assist you. Safe travels! ~ Checo

Fraudulent CTP Green Slip renewal…

Fraudulent CTP Green Slip renewal document I have been with the NRMA for 50 years and was issued a CTP Green Slip renewal document by email. It stated "Age of driver" as 69 years (correct) but when I asked about reducing this to allow for my 34 year-old daughter to be allowed under the policy they asked about "DEMERIT POINTS". There was no mention within the 6 pages of the renewal document about my demerit points (I have 3). They then wanted an additional $120. I lodged a complaint with the NRMA however they hadn't got back to me with an answer and I had no option but to renew the policy electronically to ensure that my registration didn't lapse. I am still waiting for a detailed resolution to my problem (one month later).

Date of experience : 10 December 2023

Hi Bruce, thanks for your feedback, we appreciate your loyalty over the past 50 years and sincerely apologise for any inconvenience you've experienced with your CTP Green Slip renewal. We understand the importance of clarity in policy information. Regarding the additional charge for demerit points, please be aware that CTP premiums are regulated by Service NSW, and as such, we do not have control over these rates. Additionally, anytime we update information on the CTP policy, any other missing information must also be recorded. We apologise for the delay in resolving your concern. ~Adi

Was insuring the vehicle for my son and…

Was insuring the vehicle for my son and myself was told can't add your son and will call u back ? still waiting had to call back myself and finish the process as my son was not insured on the policy ? If your told by a sales rep they will call u back we'll they should stick to their word and do what they say ? Didn't even get a email about the policy that's why I called back luckily the other sale rep lady wS very helpful and finished the process

Hi Jim, thanks for letting us know, we are very sorry a consultant didn't call you back as promised. We agree with you, you absolutely should have been called back. We are pleased to hear you did call back and spoke to a helpful consultant who provided service you should expect from us. We do appreciate all feedback as it does help us improve our service. ~Kaz

NRMA rescued me

NRMA rescued me. My caravan insurance was up for renewal. Recently the caravan received minor cosmetic hail damage in a storm. The structural integrity of the caravan was not compromised. When I notified my previous insurer of the damage, they told me to make a claim or they would cancel my policy. Knowing, from other people's experience, a claim would lead to my caravan being written off, making a claim was not an option. They cancelled my policy. At age 75, I have an estimated 5 years maximum of caravanning ahead of me, if my caravan was written off, I would not resume caravanning.

Hi Dave, thank you for taking the time to share your experience with NRMA. We are delighted to hear that our team was able to assist you during a challenging situation with your caravan insurance. It's disheartening to learn about the minor cosmetic hail damage your caravan sustained in a storm. We understand the importance of maintaining the structural integrity of your caravan, and we are pleased that you found our approach to be supportive. We empathize with your concern about the potential consequences of making a claim, especially given the possibility of your caravan being written off. At NRMA, we strive to provide solutions that prioritize our customers' needs and concerns. We are committed to offering a service that not only meets your insurance requirements but also ensures your peace of mind. We appreciate your loyalty as a customer, and we look forward to continuing to serve you in the future. If there's anything more, we can do for you or if you have any further feedback, please don't hesitate to reach out. ~ Checo

Travel Insurance guidance at its' best.

I'd had a very disappointing experience a couple of weeks prior trying to organise travel insurance for hubby and myself. Almost gave NRMA the flick .. but given we have other policies with them I tried again. Bingo - I hit the jackpot. I was lucky enough to have Robyn (Perth) pick up my call. This lady is the epitome of excellent customer service. Her product knowledge, empathy, professionalism, respect, and down right lovely manner has restored my faith in the organisation 100%! I am truly grateful for her service and now find myself feeling confident in the knowledge that we have perfect travel insurance for our needs. Many thanks Robyn! (Consultant Extrordinaire)

Date of experience : 16 October 2023

Hi Penelope! My sincerest apologies for your poor experience with us prior to speaking with Robyn. We are incredibly grateful that you decided to give us another chance and were able to be looked after correctly. I am thrilled to hear that we have been able to restore your faith in us. I wish hubby and yourself the safest travels and a fantastic trip :) ~Max

SGIC to NRMA change - TERRIBLE

Process of change from SGIC to NRMA has been a disgrace. Terrible communication, cancelled policies, terrible online accessibility, and text messages saying my policies are cancelled (when they weren't). I was really happy with SGIC with three policies, now I have one and will probably cancel it after this experience. They don't seem to care about South Australia! I went back to the RAA. Even the staff in the NRMA call centre admit it has been a terrible changeover. The staff are very helpful at the NRMA, which is why I was happy to change. Pity all other aspects are beyond disappointing (and stressful!).

Date of experience : 19 November 2023

It is really disappointing to hear of the issues you describe Daniel, sadly there were some problems we faced with the transfer but our teams have been working very hard to minimise and resolve the issues. Thank you for the kind words about our colleagues. We do appreciate your feedback and we are really sorry to see these problems caused you to leave us. We hope you may give us another chance in the future! ~Kaz

My Delightful experience at NRMA in Wagga Wagga NSWMy experience at NRMA located in Wagga…

My experience at NRMA located in Wagga Wagga NSW was great because of the personal attention I received as soon as I walked in. I was greeted with a smile and , how can I help you? First impressions mean a lot. That was the beginning of kindly explaining the coverage that fit my set of circumstances. I did not feel rushed through this process. I am grateful for the help I received from Ms Vimbai Murambi.

Date of experience : 20 October 2023

Thanks for the awesome review, Beverley! We really value your input and happy to hear we hit the mark for you. It's always amazing to hear that we have been successful in our goal of providing our customer the best experience. Have a nice day! ~ Checo

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Travel insurance

Explore worry-free with our travel insurance - your safety net for unforgettable journeys

You could save on your travel insurance

You could save up to 5% on a new travel policy if you already have insurance with us 1 .

International Travel

For overseas trips, you can choose from Comprehensive cover or Essentials cover for International Travel Insurance. Plans can cover things like cancellations, luggage and rental car excess.

Domestic Travel

For trips within Australia, our Domestic Travel Insurance plans give you the choice of simple or comprehensive cover. Choose cover just for cancellations or a pick a plan that includes things like rental car excess, luggage and your belongings.

24-hr emergency assistance

We’re here to give you the emergency assistance you need, 24 hours a day, 7 days a week.

Existing medical conditions

There are lots of medical conditions that we cover automatically, so you don’t need to list it on your policy.

Things you should know

The existing customer discount is only available for existing NRMA Insurance customers. We may withdraw this offer at any time.

NRMA Travel Insurance issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507), arranged and administered by Cover-More Insurance Services Pty Ltd ABN 95003 114 145, AFSL 241713 and promoted and distributed by Insurance Australia Limited ABN 11 000 016 722, AFS Licence No. 227681 trading as NRMA Insurance as well as by its authorised distributors. Limits, sub-limits, exclusions, terms and conditions (including eligibility criteria) apply. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Consider your own needs and the Combined FSG/PDS to decide if this product is right for you. For information on the Target Market and Target Market Determinations visit Target Market Determinations (TMD) . If you decide to purchase NRMA Travel Insurance from NRMA Insurance or its distributors they receive a commission, for more information please refer to NRMA Insurance’s FSG .

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Introduction to AXA Travel Insurance

• Coverage Options Offered by AXA
• AXA Assistance USA Cost

AXA Customer Service Reviews

Compare axa travel insurance.

• Why You Should Trust Us

AXA Assistance USA Travel Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Travel insurance is important because it can help cover the cost of unexpected medical expenses while you're traveling. It can also reimburse you for lost or stolen baggage, canceled flights, and other unforeseeable problems that may occur while you're away from home.

Simply put, there's a lot to consider.

But not all policies are created equal, and you must understand what you're covered for before you purchase a policy. This article will look in-depth at AXA Assistance USA travel insurance. We'll discuss the costs, coverage limits, exclusions, and more to help you make an informed decision about whether or not this particular travel insurance provider is right for you.

• Trip cancellation coverage of up to 100% of the trip cost
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical evacuation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1,500 per person coverage for missed connections on cruises and tours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Covers loss of ski, sports and golf equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage delay, loss and trip delay coverage ceilings per person
• con icon Two crossed lines that form an 'X'. Cancel for any reason (CFAR) coverage only available for most expensive Platinum plan
• con icon Two crossed lines that form an 'X'. CFAR coverage ceiling only reaches $50,000 maximum despite going up to 75%

AXA Assistance USA keeps travel insurance simple with gold, silver, and platinum plans. Emergency medical and CFAR are a couple of the options you can expect. Read on to learn more about AXA.

• Silver, Gold, and Platinum plans available
• Trip interruption coverage of up to 150% of the trip cost
• Emergency medical coverage of up to $250,000

AXA Assistance USA is among the best travel insurance companies . It covers the fundamentals of travel insurance, with coverage for trip cancellations, medical expenses, and emergency medical/non-medical evacuation. With three plans, AXA also offers coverage for travelers with various budgets.

It's worth noting that many important add-ons aren't available for AXA's cheapest Silver plan, such as pre-existing condition coverage, rental car add-ons, and Schengen travel insurance. Cancel for any reason coverage is also only available for AXA's most expensive Platinum plan. 

Coverage Options Offered by AXA 

AXA Assistance USA offers three levels of coverage: Silver, Gold, and Platinum. Each plan comes with different protections and varying coverage limits, with the Silver being the most basic option and Platinum offering the most premium coverage.

Some policies might even include added coverage free of charge, such as a waiver for pre-existing conditions , which is free for Gold and Platinum plans as long as you purchase your plan within 14 days of your trip deposit.

Specialized Coverage Options

The plan you purchase will determine which add-ons are available. For example, those with a Platinum plan can add CFAR (cancel for any reason) coverage , allowing you to receive a full refund if you cancel your trip within 14 days of making the initial deposit.

Or, if you want extra protection for your rental car, depending on your AXA plan, you might be able to add a collision damage waiver (CDW). Policyholders with Gold plans can add $35,000 CDW, and those with Platinum plans can include $50,000 CDW.

If you're traveling within the Schengen Territory, which is made up of 27 European countries, you may eligible for Schengen Travel Insurance, which covers you in all 27 countries. This option is only available for Gold and Platinum travelers and coverage lasts up to 90 days.

AXA Assistance USA Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The average cost of travel insurance is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for the plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate AXA's coverage costs.

As of 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following  AXA travel insurance quotes:

• AXA Silver: $83
• AXA Gold: $107
• AXA Platinum: $127

Premiums for AXA plans are between 2.7% and 4.2% of the trip's cost, well below the average cost of travel insurance. It's also relatively cheap compared to many of its competitors

AXA provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• AXA Silver: $109
• AXA Gold: $128
• AXA Platinum: $153

Once again, premiums forAXA plans are between 3.6% and 3.8%, below the average cost for travel insurance.

A 65-year-old couple looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following AXA quotes:

• AXA Silver: $392
• AXA Gold: $462
• AXA Platinum: $550

Premiums for AXA plans are between 6.5% and 9.2%, which is roughly in line with the average cost for travel insurance. This is to be expected, as travel insurance is often more expensive for older travelers.

How to Purchase and Manage Your AXA Policy

The process of purchasing an AXA policy is simple. After obtaining your quote, you'll need to decide which of AXA's three plans you want to buy. When you pay for your plan, be prepared to provide additional personal information, like your birthday, phone number, and address. 

Once you finalize your purchase, you'll have a 10-day free look period, in which you can cancel your policy and get your money back. 

How to File a Claim with AXA Travel Insurance

To file a claim with AXA Assistance USA, head to the claims forms online to find the appropriate form. Once you've filled out your form and gathered the required documentation, you can email them to [email protected] or send them by mail to:

AXA Assistance USA

On Behalf of Nationwide Mutual Insurance Company and Affiliated Companies

P.O. Box 26222

Tampa, FL 33623

If you need assistance when filing claims, AXA's claims office can be reached at 1-888-957-5015 (within the U.S.) and 1-727-450-8794 (outside the U.S.). Office hours are 9:30 a.m.-5 p.m. ET on Thursdays and 8:30 a.m.-5 p.m. ET on all other weekdays. 

AXA's U.S. branch has few reviews on Trustpilot and the Better Business Bureau — just over 20 between the two sites. Its UK branch has over 1,100 reviews, most of which are overwhelmingly negative. However, the quality of AXA Travel Insurance UK isn't necessarily indicative of its U.S. coverage. 

In fact, on SquareMouth, where the majority of AXA U.S.'s reviews, reviews are generally positive. It received an average of 4.22 stars out of five across over 900 reviews. Customers reported that adjusting an AXA policy was easy and the customer service team was responsive. However, reviews on the claims process was more mixed, with spotty communication and long wait times. 

See how AXA travel insurance compares to top travel insurance providers.

AXA Assistance USA vs. AIG Travel Guard

When comparing AXA to Travel Guard , we'll look at the coverage levels from their mid-tier plans, the Silver plan and Travel Guard Preferred plan, respectively.

With Travel Guard Preferred plan, you'll get:

• Trip cancellation coverage up to $150,000
• Trip interruption coverage up to $225,000
• Emergency medical coverage of $50,000
• Coverage for baggage loss, theft, or damage up to $1,000
• Travel delay coverage of up to $800

Comparing those Travel Guard coverages with AXA's Silver plan, you'll see that AXA's coverage limits are a bit higher. With AXA's Silver plan you'll get $100,000 in emergency medical coverage, for example. And the baggage loss coverage limit is up to $1,500.

If you're looking for greater coverage limits, AXA makes the most sense in this scenario. But premiums will also vary based on factors like the traveler's age, trip destination, and trip cost. So you'll have to run your own numbers to make a final decision.

Read our AIG Travel Insurance review here.

AXA Assistance USA vs. Allianz Travel Insurance

Allianz Travel Insurance provides single-trip and multi-trip insurance for travelers who want to go abroad for an extended period of time. And, like with all insurance, the various plans have varying degrees of coverage.

Allianz Travel Insurance's most popular single-trip option is the OneTrip Prime plan, which offers:

• Trip cancellation coverage up to $100,000
• Trip interruption coverage up to $150,000
• Emergency medical coverage for $50,000
• Coverage for baggage loss, theft or damage up to $1,000
• Travel delay coverage up to $800

Looking at AXA's mid-tier Silver plan, you'll see that, again, AXA offers more coverage for emergency medical and baggage loss, theft, or damage than Allianz Travel Insurance. That said, if cost is an essential factor for you, you'll have to get quotes using your personal trip information to make an informed decision.

Read our Allianz Travel Insurance review here.

AXA Assistance USA vs. Credit Card Travel Insurance

Already have a great travel credit card, like the Chase Sapphire Reserve or American Express Platinum? Some of the standard coverages, such as rental car insurance, may be included in the card you already have. It's a good idea to research the terms of your credit card's travel protection before purchasing a separate travel insurance policy.

If you're driving to your destination and don't have any non-refundable trip expenses, the coverage from your credit card may be enough. Another time it might work is if you have health insurance covering you while abroad and you're in good health without worrying about possible medical costs.

It's essential to remember that credit card coverage is usually secondary. This means you'll have to file a claim with the other applicable insurance before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

Why You Should Trust Us: How We Reviewed AXA Assistance USA

We researched AXA by evaluating its travel insurance plans compared to other plans from the top travel insurance companies. The aspects we looked at included, but were not limited to, different coverage options, claims limits, what is covered, available add-ons, and extra services for policy holders.

What's important when choosing a policy isn't just the price — it's making sure you're getting adequate coverage that meets your needs without breaking the bank. Filing a claim should also be easy and stress-free if you ever have to use your policy.

Read more about how Business Insider rates insurance products here.

AXA Assistance USA FAQs

If you're diagnosed with COVID-19 before a trip and need to cancel, AXA may cover your expenses. Additionally, a COVID-19 diagnosis during a trip may be covered under AXA's medical expense, trip interruption, and trip delay benefits. Be sure to review your policy to ensure coverage details. 

While you may extend your coverage in certain circumstances, such as extended hospitalization, and update your travel dates prior to your departure, you can't extend AXA travel insurance plans while you're traveling. 

AXA's Gold and Platinum plan cover pre-existing medical conditions as long as you purchase your policy within 14 days of your initial trip deposit. AXA's Silver plan does not cover pre-existing conditions and has a 60-day look-back period. 

You can download AXA claims forms on its website and email them to [email protected].

AXA isn't the most flexible travel insurance company and isn't great at specializing, but it offers comprehensive general coverage. Its prices aren't significantly more expensive or cheaper than its competitors.

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