Ultimate Guide to AURAS Travel Insurance: How to Apply, Key Features & Cautions

AURAS is still relatively unknown in some regions,
but it’s actually a widely used online travel insurance service among international travelers.

When I personally signed up for it, I realized how different it was from the traditional insurance I had known.
There were a lot of unclear points in the explanations, so I carefully went through the process—sending multiple emails to confirm each step.

To be honest, this was the first time I’ve ever read an insurance policy so seriously before making a decision.

Some aspects were familiar, but others were completely new.
In this article, I’ll walk you through those differences, highlight key points to watch out for, and share what I wish I had known in advance.

If you’re unsure whether to sign up,
or looking for a travel insurance plan that allows mid-trip enrollment,
I hope this guide helps you make an informed choice.

👉 [AURAS Travel Insurance]
Use 10% discount code: WRTY100286

 

Introduction: What Makes AURAS Unique, and Who Is It For?

If you’ve ever relied on a credit card’s built-in travel insurance, you probably know that coverage often ends after just 90 days.

For long-term travelers, digital nomads, or those on extended cruises, this creates a frustrating gap in protection—right when you might need it most.

Finding a travel insurance plan that allows mid-trip enrollment is surprisingly difficult.

That’s why I was intrigued by AURAS—
a flexible, online-based provider that lets you sign up even while traveling, works for cruises, and even offers a discount code.
I thought, “Wait, a policy this flexible exists? I’ve got to try this!”
So I did.

AURAS offers a 14 days cancellation window with a full refund, and the price was impressively affordable.
That sealed the deal—I decided to go for it and test everything:
I signed up, canceled, and re-applied. Everything you’ll read here is based on my real experience.

💡 AURAS is a great fit for:

• Travelers whose credit card insurance has expired
• Those who want to top up their existing insurance with extra coverage
• People who need an insurance certificate for visa applications
• Budget travelers looking for simple and affordable options
• Anyone whose coverage ran out mid-trip
• Seniors who thought they were too old for insurance (AURAS covers up to 100 years old!)

 

📄 About the Insurance Policy Document

AURAS provides a full “Policy Document” outlining coverage and rules.
You’ll find the link on the first step of the application, and receive it again via email as a PDF after signing up.

Since the policy may be updated over time, I’ve chosen not to repost the full document here.

👉 [Insurance Policy (Official Link)]

If you’re curious, I recommend entering your travel details on the AURAS website to get a quote.
You might be surprised—“Wait, that’s it? That cheap?”

> Disclaimer: Please make your own decision and review the policy before applying.

Can You Trust AURAS? Company Info & Reviews

🏢 Company & Licensing Information

• Company name: Aura Global FZ-LLC
• Registered location: Ras Al Khaimah Economic Zone (RAKEZ), United Arab Emirates (UAE)
• License number: 47007883
• Business type: Insurance platform (They partner with licensed insurers and do not underwrite their own policies)

🔒 According to Scamadviser, AURAS is rated as a legitimate and safe website (as of June 2025).

🌍 What Do Users Say? Reviews from Abroad

AURAS holds a **4.2 out of 5.0** rating on [Trustpilot] (as of June 2025)—a solid score for a relatively young platform.

💬 Positive feedback includes:

• Fast and smooth claim reimbursements (clinic visit → refund)
• Instant issuance of insurance certificates
• Responsive and polite support in English

 

😟 Critical feedback includes:

Refund processing can be slow at times

Some users chose the wrong activity coverage and had issues

The policy wording can be hard to understand (English only)

📌 Important Note:

Be sure to carefully select the appropriate activity type (e.g., surfing, hiking, skiing) when applying.
This directly affects whether your claim will be accepted.

Mistakes in this step are one of the most common reasons for denied coverage!

 

How to Sign Up for AURAS (With Screenshots & Tips)

Signing up for AURAS takes just 3 simple steps, all done online.
You can apply quickly from your phone, tablet, or laptop.

That said, since the interface is entirely in English and includes some unusual dropdown choices,
I’ve included screenshots and walkthroughs to help you avoid any confusion.

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Discount Code: WRTY100286

💸 Use Discount Code: WRTY100286 at checkout
Get a Quote from AURAS

 

🧭 Step-by-Step Overview: 3 Main Screens

AURAS’s application flow consists of three clean, simple pages:

📄 ① Policy Details

• Travel destination (e.g., “Worldwide” or select a specific country)
• Dates of travel (Start & End)
• Coverage amount (from $35,000 to $1,000,000)
• Travel type (e.g., Calm / Active / Extreme / Cruise / Study / Work)

📌 This screen is where most people get confused!
Don’t worry—we’ll break this down in detail in the next section.

🧍 ② Personal Information

• Full name (in Roman alphabet)
• Date of birth
• Passport number
• Phone number (with international dialing code)
• Email address

💡 After you register, your insurance certificate (PDF) and the policy document will be sent to the email you entered here.

➕ ③ Add-On Options (Optional Coverage)

• No deductible
• Trip cancellation
• Search & rescue operations
• Premium baggage insurance

💡 These options significantly affect your coverage, so take your time reviewing them.
Only add what you really need!

In the next section, we’ll walk through each screen in detail.
If you’re wondering things like “What does ‘Worldwide’ mean?” or “How do I choose the right travel type?”, we’ve got you covered!

Step ① — Entering Policy Details (Avoid Costly Mistakes!)

The first screen of the AURAS application asks about the core elements of your trip—where you’re going, how long you’ll be abroad, and what kind of travel you’ll be doing.

⚠️ These inputs determine whether you’re covered or not, so choose carefully!

✅ Destination (Coverage Area)

You have two options when selecting your travel destination:

• Worldwide
  → Recommended for round-the-world cruises or multi-country trips
• Select individual countries manually
  → According to AURAS, the cost is **the same as Worldwide**.
  Since selecting countries manually takes more time and adds no benefit, it’s not recommended.

 

💬 Are there any excluded countries?

Yes. Here are some important points to be aware of:

• UAE (United Arab Emirates)
  → Coverage is not available for UAE residents, but it’s fine for tourists, digital nomads, or transit passengers.
• Countries under Level 4 Travel Advisory
  → Regions designated by the U.S. Department of State due to war, civil unrest, etc.
• Your country of residence
  → No coverage is provided within your country of permanent residence.

👉 See [AURAS Public Offer]
(Policy Document, page 8)

✅ Coverage Amount (USD / EUR)

You can choose from four levels of coverage (in USD or EUR):

• $35,000
• $100,000
• $500,000
• $1,000,000 (maximum)

💡 Your choice affects both the coverage limits and premium.
👉 See [AURAS Public Offer]
(Policy Document, page 2)

 

✅ Travel Type (Plan Category)

⚠️ This is the most important choice in the whole application.
If you select the wrong type of travel, your claims may be denied.

 

 

❗️Common Misunderstandings:

Some activities look Calm but are actually Active!

– Calm (OK): yoga, walking, swimming
– Active (Upgrade required): ballroom dancing, surfing, trekking
– Extreme (Higher rate): skiing, snowboarding, bungee jumping

👉 Example mistake:
Applied under Calm → got injured while surfing → Claim denied

💡 Note: If you plan to join ballroom dancing sessions during a cruise, you should select “Active” instead of “Cruise” as your travel type. According to AURAS’s official classification, ballroom dancing is considered an active activity and requires the appropriate plan.

 

✅ Other Checkboxes to Review

Don’t forget these important checkboxes:

• Already Traveling
  → Must be checked if you’re already abroad. Missing this may void your coverage!
• Expat / Annual coverage options
  → Choose based on your travel style (details in the policy)

 

This screen may seem simple at first glance,
but it’s one of the most critical steps in the entire application process.

 

Step ③ — Optional Coverage & What to Know Before You Choose

The third screen lets you choose optional add-ons based on your travel needs.

Here are the main options available (as of June 2025):
👉 See [AURAS Public Offer](Policy Document)

 

 ✅ What Is Search and Rescue in AURAS?

Search and rescue is separate from regular medical coverage in AURAS.
It applies to emergencies in the mountains, ocean, or portside, and includes costs for:

• Helicopter dispatch
• Rescue teams
• Location tracking or evacuation

💡 The limit depends on your selected coverage tier:

Here are the options available (as of June 2025):
👉 See [AURAS Public Offer](Policy Document)

 

According to official support, this applies across land and sea, making it a critical option for cruise travelers.

🚁 Helicopter Evacuation Is Included by Default

Emergency airlift (up to $10,000) is included in AURAS’s base coverage.
You don’t need to pay extra for that.

Here are the options available (as of June 2025):
👉 See [AURAS Public Offer](Policy Document)

After Purchase – How to Access Your Policy & Get Support

Once your payment is complete, your insurance policy (PDF) will be sent to your registered email right away.

It includes your Policy Number, and all your details can be accessed on your smartphone.

📱 How to View Your Policy on Your Smartphone (Using the QR Code)

In the top-right corner of the PDF, there is a QR code.
You can scan it with your phone to access your policy information online:

1. Enter your Policy Number
→ This will show your coverage area, email address, and other details.

2. Then enter your Passport Number
→ The full policy document will be displayed.

⚠️ What If the “Download Policy” Button Doesn’t Work?

Sometimes, clicking “Download Policy” on the mobile site (via QR code) may result in an error.

If that happens, just email AURAS support, and they will resend your policy by email.

📩 Contact: [info@auras.insure]

💡 Don’t hesitate to reach out—they respond quickly and are very helpful.

 

❌ How to Cancel and Get a Refund – Is the 14 days Guarantee Real?

AURAS offers a full refund if you cancel your policy within 14 days of purchase.
This works like a cooling-off period, and it’s officially part of their policy.

But let’s be honest—
You might be wondering:

• “Will they actually refund me?”
•  “How do I apply?”

So, I tested it myself and went through the full cancellation and refund process.

📝 How to Request a Cancellation Form

Send a short email in English to [info@auras.insure]like this:

Subject: Cancellation request

I would like to cancel my travel insurance under the 14 days refund policy.
This policy has not been used and the trip has been cancelled.
Please send me the refund request form.

Best regards,
[Your Name]

📩 After that, AURAS will reply with a PDF cancellation form.
Sign it, take a photo or scan it, and reply via email. That’s it!

🗓️ My Real Experience (June 2025)

I sent my signed cancellation form on June 25.
Then… silence for two days 😅

So I sent a follow-up email, and finally received this reply:

Confirm that we received your refund application form on 25.06.2025.
Refunds are made onto the original mode of payment and will be processed within 10 to 45 days depending on the issuing bank of the credit card.

 

⚠️ Important Notes:

• Refunds can take up to 45 days, depending on your credit card provider.
• Responses can be slower than during signup (which was near-instant).
• If your card payment hasn’t fully processed yet, the transaction might just be canceled instead of refunded.

 

 ✍️ Things to Keep in Mind

• The refund request form is not listed on the official website
• You need to contact support in English
• The 14 days refund only applies before the policy becomes active

 

📘 7 Key Things to Know About AURAS Travel Insurance_Based on the official Policy Document (as of June 2025)_

When buying travel insurance, one of the biggest concerns is:
“Will I really be covered when something goes wrong?”

After carefully reviewing the full AURAS policy, I’ve summarized 7 must-know points every traveler should be aware of:

1. When Does Coverage Start? (p.19)

• If purchased before departure → Coverage begins the next day
• If purchased after departure → Coverage begins 48 hours after payment
• ✅ Be sure to check “Already Traveling” on the application form

🗓️ Example: Payment on June 25 → Coverage starts June 27

2. Cancellation / Cooling-Off Policy (p.13 & p.24)

• Cancel within 14 days before coverage starts → Full refund (PDF form required)
• After coverage begins, cancellation is generally not allowed
• Note: According to the policy, a 40% administrative fee may apply

 

3. How to File a Claim (p.20–21)

• Reimbursement-based: Pay upfront, then submit documents
• Submit by email or form with: Receipt, Medical certificate, etc.
• Within 30 days of the incident

 

4. Report the Incident Within 24 Hours (p.20)

• Claims should be reported within 24 hours (chat or email)
• ⚠️ Exceptions allowed for cases like being at sea with no signal

 

5. Language of Medical Documents (p.22)

• Medical documents must be submitted in an accepted language.
• Accepted languages include: English, French, Spanish, etc.
• ⚠️ A notarized English translation may be required depending on the situation.

 

6. What Does AURAS Cover? (p.9–11)

• Medical care: Treatment, surgery, dental, pregnancy up to 27 weeks
• Travel troubles: Flight delays, baggage loss, lost passport
• Personal liability: Injury or property damage to others
• ⚠️ Cruise and sports → Only with optional add-ons

 

7. Deductible Options (p.3 & p.12)

• No deductible: Easier to claim; slightly higher premium
• With deductible ($50–$100): Lower premium, higher out-of-pocket risk

 

 

✈️ Summary – Is AURAS Right for You?

After using AURAS myself, here’s what stood out the most:

• Flexible plans where you choose only the coverage you need
• Easy online signup with credit card payment
• Full refund available within 14 days if the policy hasn’t started

It’s a great fit for travelers who prefer flexibility and control over their insurance choices.

That said, if you prefer step-by-step guidance in your native language or need support in more structured formats, AURAS might feel a bit too hands-off.

 In Summary:

• Comfortable managing things on your own? → AURAS is a solid option.
• Prefer full support or feel unsure about handling documents in English? → A more guided insurance provider may suit you better.

If you’re looking to:

• Fill the coverage gap after your credit card insurance ends
• Join a plan even after your trip has already started
• Keep costs low while customizing your plan

Then AURAS is definitely worth considering 🧳✨

🌍 [Check out AURAS Travel Insurance with a 10% Discount Code]
Discount Code: WRTY100286

💸 Use Discount Code: WRTY100286 at checkout
Get a Quote from AURAS

 

🇯🇵 日本語で読みたい方はこちら →
AURAS 海外旅行保険（日本語版）