Can I purchase a policy if I'm already travelling overseas?
Yes, you can purchase a policy after leaving your home in Australia, however, there is a 72-hour waiting period for all policies purchased while travelling. If you purchase while you're travelling, you must purchase cover up to the date you will return to your home in Australia – we can't cover you for the middle of a trip.
Am I covered for countries other than the ones I list on my policy?
The easiest way to make sure you’re covered for the countries you’re planning on travelling to is to select them all when you purchase your travel insurance with us. But if you’ve already started travelling and are considering a side trip to a country other than those you specified, there are a few things you should know.
For more information check out our article - Am I covered for countries other than the ones I list on my policy?
What is cover for cancellation expenses?
Cancellation cover can provide a benefit for the value of unused, non-refundable expenses that you’ve already paid for, such as an activity or accommodation, if your activity or accommodation is cancelled due to an insured event.
Am I covered if I need to cancel or reschedule my trip?
If an unexpected event causes you to cancel or re-arrange your trip, your policy may cover cancellation or rescheduling fees for certain insured events. The most we will pay for all people on your policy combined, per trip, is specified on your Certificate of Insurance under 'Cancellation - chosen limit'.
For more information check out our article -Am I covered if I need to cancel or reschedule my trip?
What’s not covered if I am cancelling my trip?
There are some things we won’t cover in the event of cancellation, including, but not limited to:
We will not pay for any non-refundable costs for anyone not named on your policy.
We will not pay more than the cancellation limit amount that you selected which appears on your Certificate of Insurance.
In the case of agents’ cancellation fees, we will not pay more than the limit outlined in the Schedule of benefits.
We will not pay for any pre-paid snow sports arrangements unless you have purchased the Snow sports cover option and it is shown on your Certificate of Insurance.
You decline a reasonable alternative service or compensation offered by a carrier or other travel service provider.
What should I do if my flight is delayed or cancelled?
As a nib customer, the first thing to be aware of is that a travel delay must be at least six hours to meet the criteria for all nib policies. If you know you’ll be stuck at the airport for more than six hours you should contact the airline carrier or tour operator in the first instance to seek a refund, credit, or some form of financial compensation or arrangement specific to your needs.
For more information on coverage, and other relevant information check out our article - What should I do if my flight is delayed or cancelled?
Am I covered if I need to cancel my trip because a relative is sick or injured?
We cover a number insured events, including if your pre-booked and pre-paid activity or accommodation is cancelled due to:
Death, sudden serious illness or serious injury to you, a member of your travelling party or a close relative,
Severe weather, natural disaster, riot, strike, civil insurrection, or hijacking
Your passport, travel documents or credit cards are stolen, accidentally lost or damaged
A member of your travelling party is summoned to jury duty or to give evidence in a court of law
Am I covered for existing medical conditions?
If you suffer from an existing medical condition, our travel plans can offer cover for more than 40 common conditions. However, it’s important to be aware of what conditions are attached to each medical condition that you will need to meet for them to be covered.
For more information check out our article -Am I covered for existing medical conditions?
Is pregnancy considered an existing medical condition?
We don’t consider pregnancy to be an existing medical condition.
If you’re pregnant at the time you buy your policy, or become pregnant afterwards, you’ll have cover for any event that arises from your pregnancy, provided that the event that causes your claim is covered by this policy and is a pregnancy-related illness. We can only cover you up until the end of the 26th week of your pregnancy.
Overseas Medical Treatment & Hospitalisation
It can be stressful if you become sick or injured whilst travelling. The good news is that all our international policies offer cover for some overseas medical expenses to help you get back on your feet.
For more information check out our article - Overseas Medical Treatment & Hospitalisation
Am I covered for cruising?
Whether you’re planning a relaxing cruise around the South Pacific, island hopping in the Caribbean, or venturing into the icy extremes of Antarctica, our policies may cover you if your cruise doesn’t go as planned.
For more information check out our article - Am I covered for cruising?
Will I be covered for several types of sports and activities, and is my sports gear covered?
If your travel plans have changed, it’s possible to amend, extend, or cancel your travel insurance policy. This can be done viayour online accountor bycontacting us so we can check your policy and make any changes available.
Need to make a claim? To submit a claim online simply follow the below instructions:
Make a new claim by logging in to your existing account or create an account
Tell us what happened and the expenses you're claiming.
Check your email for relevant supporting documents to upload.
Submit your claim and our team will be in contact.
What supporting information do I need to get for an overseas medical claim?
We may request evidence supporting your claim such as clinical notes or a written medical report or summary from a treating doctor or dentist overseas which clearly explains the medical condition, the diagnosis provided, medical tests requested, and treatment given. We may also require a medical certificate from your local GP, specialist, or dentist. Try to obtain as much documentation as possible at the time of the event, as it can be difficult to gather documents once you return to Australia.
Cover is subject to the full terms, conditions, limitations and exclusions outlined in the PDS. Read your policy carefully and contact us if you have any queries.
The Check In
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