We're here when you need us.

NRMA Travel Insurance provides a 24 hour worldwide emergency assistance service for you to call if you experience any difficulties on your trip.

Call emergency assistance if:

• You're admitted to hospital or expect your medical expenses to be over $500
• You need help finding an English speaking doctor while travelling
• You've lost or had your passports, travel documents or credit cards stolen
• You need local legal help
• You need help returning home.

All services are subject to a claim being accepted under our policy.

If your personal items (like a camera or mobile phone) have been lost or stolen, the first thing to do is to inform the local police and get a police report.

If your things were stolen while you're travelling with a transport provider, you can get a letter from them instead.

Then, once you're home, log in and start your claim online and attach the report or letter.

We'll update you within 10 business days or your claim starting.

You need to let us know about any claim or incident that might result in a claim as soon as possible and within 60 days of the return date shown on your policy document.

If you make a claim after the 60-day time frame, please include a cover letter explaining why you were unable to make your claim within this period.

If you're still within the 60-day time frame and think you may exceed it, please call us on 1300 135 640 (9am–5pm, Mon–Fri).

If you're waiting on supporting documentation and believe you'll exceed the 60-day period, you can still lodge a claim in the meantime.

Yes, once you're home from your trip, you should lodge your claim within 60 days. This makes it easier to gather information we need to approve your claim.

However, our online claims centre lets you start your claim anywhere in the world at anytime, while all the details are still fresh so you don't have to wait.

You can save and return to an incomplete claim for up to 28 days.

If your luggage is delayed for more than 24 hours, we'll reimburse you up to $500 on the International Comprehensive Plan, or $100 on the International Essentials Plan. This covers essential emergency items of clothing and toiletries you purchase on your trip.

These amounts will double if you still haven't received your luggage after 72 hours.

Remember to upload all copies of your receipts when lodging your claim.

For more information, including the maximum benefit limit, please refer to the Product Disclosure Statement (PDS).

When you make a claim, we may ask you to provide documents that help us assess and settle your claim. Documents can also be used to help us identify correct replacement or reimbursement for you.

Examples of the types of documents you can provide, include:

• Original police reports
• Receipts
• Valuations
• Repair quotes
• Medical certificates.

Yes, you can supply supporting documentation once you've submitted your claim.

If you're lodging a claim online, select 'Supply later'. You'll have up to 28 days to return to your incomplete claim to add your supporting documents in.

The easiest way to confirm your coverage is to simply start a claim online.

What you're covered for is determined by the type of travel insurance you have with us. For example, if you've chosen our International Essential Plan, you're not automatically covered for your rental car's insurance excess, but with our International Comprehensive Plan, we cover up to $4,000.

Still not sure? You can also find full details on policy coverage in the Product Disclosure Statement (PDS).

To find out what you're covered for in an event like this, you should check the Product Disclosure Statement.

For current warnings and alerts, check smartraveller.gov.au.

If you need urgent help, you can call us anytime from wherever you are. If you're in:

• Australia, call 1300 135 640
• New Zealand, call 0800 033 533
• The United Kingdom, call 0800 656 9946
• USA or Canada, call 1855 812 4898
• Any other country, call +612 8907 5584.

Our International Travel Insurance policies offer you a range of excess options. Depending on the type of excess you've chosen, you may need to pay. Your excess is shown on your policy document.

For domestic travel, you'll need to pay a $50 excess on our Domestic Comprehensive Plan and Domestic Cancellation Plan.

An additional excess may apply in some circumstances, such as cover for existing medical conditions. If this is the case, we'll contact you in writing.

In the event that any of your travel providers become bankrupt, you may be entitled to payment under the Financial Claims Scheme. Access to the scheme is subject to eligibility criteria.

For information about the scheme, visit the APRA website or call APRA.