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Single Trip Annual Multi Trip
    2
    December
    2023
    3
    December
    2023
    Traveller 1
    Traveller 2
    Child 1
    +Child/Children

    Medical Condition

    An existing medical condition is any medical condition which:

    At the time you buy your policy is:
    • chronic; or, 
    • displaying symptoms; or, 
    • under investigation; or, 
    • pending follow-up, consultation, treatment or surgery; or where these are recommended or planned; 
    • or metastatic; 
    • or terminal; or
    in the six months prior to the time you buy your policy there has been:
    • treatment by a medical practitioner; or 
    • medication prescribed; or 
    • surgery.

    Please refer to existing medical conditions that meet the criteria for automatic cover. 


    Do you want to complete a medical screening? 

    After entering your trip details (Age, Destination, Dates) to get a quote first. Please click on the "Continue" button to be redirected to nib to complete a medical screening. You will need to enter in details such as name & email, the medical screening will be on the following page. 

    Snow Sports

    If you are participating in Snow sports on your trip you need to add this option to be provided cover for snow sports related events. Snow Sports cover is only available on the International Comprehensive, Annual Multi trip and Australian Travel plans.

    By selecting this option, you’ll be charged an additional premium. You can uncheck this box if you do not wish to purchase this additional cover.

    Snow sports are defined as Snow skiing and snowboarding on and off piste, back country skiing and snowboarding, snowmobiling, tobogganing, cross-country skiing, telemark skiing.

    $0 Excess

    By selecting this option, you’ll be charged an additional premium. You can uncheck this box if you don't want to reduce your excess. Different excess options are available when you "Get a Quote".

    Variable excess option. An excess is the amount that is deducted from your claim payout. A standard excess of $250 applies to most claims. By selecting this option, you can reduce your policy excess amount to $0 on some plans. An additional excess may apply to specific medical conditions. This excess cannot be removed.

    Cruise

    Cruising is covered as standard. If the cruise only stops in one country, just select that country. If the cruise stops at multiple destinations, add each destination. 

    • If you are travelling to 'New Caledonia', please also add in 'South Pacific Cruise' so cruise is displayed on your Certificate of Insurance. 
    • If the cruise only visits stops within Australia, make sure you select ‘Australian Waters’ option and NOT just Australia.

    If you get sick aboard a cruise while traveling under one of our international policies, we can offer overseas medical cover on board, including if you contract Coronavirus during the trip. Make sure you’re following all relevant government and official advice. All policy terms, conditions, limits and exclusions apply, and you should be aware there are things we don’t cover, such as your cruise being cancelled by the provider due to an epidemic or pandemic.

    Already Overseas

    If you are already overseas and need travel insurance due to your previous policy expiring, or need to be covered while overseas and for your return trip back to Australia you can purchase while overseas. The trip must end at your home in Australia. A 72 hour waiting period may apply for policies purchased when you are already travelling. See waiting periods in the PDS for more information. 

    Annual Multi Trip

    Annual Multi Trip Plan, trip(s) means any travel up to 45 days in duration between the departure date and return date shown on your Certificate of Insurance. Each trip must:
    • Start and end at your home in Australia, and 
    • Be to a destination of at least 200km from your home in Australia, and 
    • Include travel by either pre-paid scheduled public transport or hire car, or include at least one night of pre-booked publicly available accommodation
    Designed for people who are travelling internationally and may also be travelling domestically.

    Child/Children

    Your children, stepchildren, grandchildren, foster children, and children for whom you are the legal guardian, who are travelling with you on the same itinerary for the entire duration of your trip and at the time the Certificate of Insurance is issued are:
    • under 25 years of age, and
    • working less than 30 hours per week.

    Coronavirus Travel Costs

    This benefit covers you for specific events related to coronavirus, such as contracting the virus causing you to cancel the trip or causing your quarantine; a healthcare worker's leave being cancelled; or you being denied boarding due to your suspected infection with coronavirus

    COVID-19 Medical

    Overseas Medical limit - $Unlimited^ (including COVID-19. Subject to policy terms, conditions, limitations and exclusions).
    ^Expenses for up to 12 months from the date an illness first appears or injury first occurs. Includes reasonable and necessary overseas medical expenses arising from sudden illness or serious injury (including COVID-19).

    One Way

    Policies are available for one-way travel overseas or to return back to Australia! Enter your departure and return dates which would be your active dates of insurance. Trip must start or end at your home in Australia.

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    Benefits

    • Medical cover
    • Emergency dental
    • Additional expenses
    • 24/7 emergency assistance
    • Cancellation cover and deferment costs
    • Luggage

    Extras

    Get a quote on travel insurance

    Coronavirus (COVID-19) continues to impact many travellers around the world. Before you buy, read the travel alerts and check travel advice and restrictions for your destination(s) as these may impact cover, or your ability to travel.

    Coronavirus Travel Insurance Cover 

    Customers who have purchased a policy still have cover and can claim as per the policy documentation. If future travel is affected by government restrictions, there are options available if customers no longer need a policy. 

    Coronavirus has changed travel for everyone and even though you might be ready to hit the road (or sky) when it comes to travel insurance, it is more important than ever to know exactly what you are and are not covered for before you go

    Is there any cover for Coronavirus-related events on nib's travel insurance plans and what are the benefits?

    Cover for some coronavirus-related events is available on all nib’s travel insurance plans (excl. Cancellation and Additional Expenses Plan), but the types of benefits and benefit limits vary.

    nib would like to cover every coronavirus-related scenario that a traveller can think of, that is not what travel insurance is designed to do, so read the Product Disclosure Statement (PDS) for terms, conditions, limits and exclusions so that you know what is, and is not, covered.

    Overseas Medical Benefit: If you contract coronavirus while on your trip, all of nib’s International travel insurance plans can offer cover for overseas medical expenses.

    Medical evacuation and repatriation: All nib travel insurance plans include cover for medical evacuation and repatriation if nib decides it is medically necessary, up to the relevant benefit limit.

    Coronavirus Travel Costs: nib’s Coronavirus Travel Costs benefit is available on the Comprehensive Travel Plan, Australian Travel plan and Annual Multi-Trip Plan and can provide cover for several coronavirus-related events. It includes cover for quarantine expenses and trip cancellation if you are diagnosed with coronavirus.

    Need to make a claim? Sorry to hear your trip did not go as planned. At least making a claim is a simple process. Get started here.

    Frequently Asked Questions

    What do I do if I get Coronavirus (COVID-19) before my trip?
    Isolate! And seek appropriate medical attention.
     
    Do not delay the cancellation of your plans. If you know you need to cancel, contact your providers as soon as possible to maximise the opportunity of refunds from your providers.
     
    Depending on the plan you have chosen, you may be able to make a claim for non-refundable travel costs under the Coronavirus Travel Costs section of the plan up to the benefit limit.
     

    What do I do if I get Coronavirus (COVID-19) on my trip?

    Contact nib’s Emergency Assistance team. Utilising a global network of medical providers, the team will connect you with local medical facilities. They can also assist by getting in contact with friends and family where needed.
     
    Always keep receipts for any payments you make and wherever possible, request written reports from providers or local authorities.
     
    Follow travel and health advice – different countries have different rules. What is ok in Australia may not be ok in the countries you visit.
     
    Our International plans include emergency overseas medical cover if you contract coronavirus while travelling. 
     
    If I need medical treatment overseas, what expenses am I covered for?
    Rest assured that if you incur medical expenses overseas for an event covered under the policy, including if you contract Coronavirus (COVID-19) and it is not related to an ‘existing medical condition’ (as defined in the PDS), then coverage is offered up to the Medical benefit limit. Just make sure you contact nib’s Emergency Assistance team so they can help.

    The Coronavirus Travel Costs benefits (for other non-medical coronavirus related events) varies depending on the plan you have selected and is shown in the schedule of benefits in the PDS; this is separate to the benefit limit available for medical expenses incurred overseas.
      

    Insurance Saver Pty Ltd, ABN 18 624 919 366, AR 001263726 is an authorised representative of nib Travel Services (Australia) Pty Ltd (nib), ABN 81 115 932 173, AFSL 308461 and act as nib's agent and not as your agent. This is general advice only. Before you buy, you should consider your needs, the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and Target Market Determination (TMD) available from us. This insurance is underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193.

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