Prepare for travel

If your registration or application in the online application portal Mobi has been processed and confirmed, you are automatically covered. If you are not on Mobi – you are required to register to receive coverage for your approved overseas program. Once you have your travel itinerary, your travel details must be also registered with MyTrips.

Note that you need to be enrolled as a current RMIT student during your overseas program in order to be covered by the complimentary RMIT travel insurance.

The RMIT student travel insurance policy covers you for the duration of your official study dates. You also receive a complimentary 30 days of leisure travel to be used in any combination before or after your official study dates. If you plan to travel for longer than 30 days before or after your official study dates then you will need to arrange your own travel insurance for this extended period.

In no event, can the policy cover a journey greater 365 days. If you are travelling longer than that, please advise RMIT by emailing insurance@rmit.edu.au as it may be necessary for you to make alternative insurance arrangements.

Due to legislation restrictions, this policy cannot cover nationals while in their home countries. The international travel to and from that home country however would be covered.

The travel policy excludes COVID-related additional expenses, cancellation & curtailment expenses and loss of deposits. Importantly, please note you are still covered for the medical treatment costs of COVID.

The travel policy explicitly excludes mobile phones. If you want your mobile phone to be covered, you must purchase additional insurance with another provider.

Also note there is a $250 excess fee for claims involving laptops, personal computers, tablets and cameras.

Other exclusions include:

• Engaging in air travel except as a passenger in any properly licensed aircraft
• Any deliberately self-inflicted injury, including suicide or attempted suicide
• A sexually transmitted disease, or Acquired Immune Deficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV) infection
• Any criminal or intentional illegal act
• Any global experience program in your home country (the flights to and from your home country are included)

For full details of policy conditions, limitations and exclusion, please consult the RMIT Student Travel Policy Statement and Schedule (PDF, 2MB).

You are covered for the medical treatment costs related to COVID. You are not covered for the costs to change a flight, or the loss of a deposit for your accommodation.

If the isolation requirements, flight changes or cancelled bookings are COVID related, your additional costs are not covered.

The medical expenses, cancellation and curtailment sections of the policy have exclusions for travel against the advice of physician or when you are unfit to undertake a journey.

If you are concerned that a pre-existing medical condition will impact your journey, you should seek confirmation from your physician that you are fit to travel ideally before booking the trip.

Even with this confirmation, please note that the policy will not cover known or expected costs for the treatment of an ongoing or chronic medical condition. The Personal Accident and Life sections of the policy will also contain exclusions for pre-existing conditions. If you are concerned about a particular condition, please email insurance@rmit.edu.au.

Complete and sign the Claim Form (PDF, 429KB) and email it to claims@ahiinsurance.com.au together with all documentation needed to support your claim (key items needed are summarised below).

Remember to:

• Quote policy number: 41443
• Sign 'Section Twelve: Declaration' on page 5
• Ensure that the appropriate bank account details are input for repayment
• Retain all original documentation to enable production upon request at any stage of the claim process

Supporting documents

Supporting documentation will vary according to the claim type. Examples include, but are not limited to:

• A copy of your Mobi registration (not just the application)
• A copy of your itinerary showing travel dates
• Proof of payment for claimed expenses (paid invoices, receipts)
• Full medical or doctor reports for a medical condition or injury – this is to establish eligibility and that it is not a pre-existing condition
• Proof from prior claim attempts with airlines, hotels etc. of unsuccessful attempts to claim elsewhere
• Police reports relating to accidents, theft or criminal activity
• If claims relate to loss of income you must complete a Tax File Number Declaration.

To meet our obligations under international law, Australia implements United Nations Security Council sanctions regimes. Australia also implements autonomous sanctions regimes as a matter of foreign policy.

RMIT’s travel insurer is also subject to this legislation and requires notification (at least three weeks prior to departure) of each and every trip that involves travel to a sanctioned country. You can find a list of sanctioned countries on the Australian Government Department of Foreign Affairs and Trade website. 

At least three weeks before travelling to a sanctioned country, you must send the following details to insurance@rmit.edu.au:

• Your name
• Date of birth
• Nationality
• Dates of travel
• The countries you're travelling to and reason for travel

Depending on the country and reason for travel, there may be further requests for information.

If you require a personalised insurance confirmation letter for a visa application or for your host university please provide the following details:

• Your name as it appears on your travel documentation
• Your departure and return dates
• Your official study start and end dates
• The country where you will spend the majority of your time

Please send this information to insurance@rmit.edu.au.

For questions regarding insurance and coverage, contact insurance@rmit.edu.au.

For questions regarding your overseas program, contact the Global Experience Office at global.experience@rmit.edu.au.