International travel insurance

From a week in Bali to a month in Europe, we offer cover for many countries and trips.

Check out our cover for your Overseas Adventure^

We offer two international plans, so you can decide what level of cover you need for your trip. Both International plans offer cover for the basics - see our comparison table below for the main differences.

Unlimited Overseas Medical
If you suffer a sudden illness or serious injury while travelling we offer cover for the cost of treatment.
Luggage & Personal Effects
We offer cover for accidental damage, theft or permanent loss of your luggage and personal effects.
Cancellation Costs
You can choose to have cover for trip cancellation up to a limit that best suits your plans.
^Coverage is subject to the terms, conditions, limitations and exclusions for each policy, as contained in the Product Disclosure Statement.

Choose from two plans

Before deciding on a plan think about the likelihood of you needing cover for things like rental vehicle insurance excess, cancellation, or any specified items that you may be taking with you. Both plans include optional extras like Snow Sports and Activities cover and an increased limits for Cancellation cover.

International Comprehensive

Our top plan includes all the basics plus cover for Cancellations, Travel Delays, Loss of Income, and Rental Vehicle Insurance Excess (not included on our Select Plan). It's a good choice for if you're travelling with items like new mobile phones or laptops and you need a higher individual item limit to cover those personal effects.

International Select

International Select is great if you just want to cover the basics like Unlimited Overseas Medical. It doesn't include some benefits such as Travel Delays and Loss of Income, has lower limits of cover for things like Luggage and Personal Effects. Cancellation cover is not included but can be optionally added at an additional cost.

Summary of what our International Plans cover

Benefit Type

Comprehensive

Select

Overseas Medical Expenses

If you become suddenly ill or seriously injured we will pay for emergency medical, hospital, road ambulance or other necessary treatment you receive overseas.
#For up to 12 months after the sudden illness first appears or serious injury first occurs. Sub-limits apply.

Comprehensive Plan

Unlimited#

Select Plan

Unlimited#

Luggage & Personal Effects

We can offer cover for the accidental damage, theft or permanent loss of your luggage, passport and personal effects (up to applicable cover limits).
Sub-limits & item limits apply.

Comprehensive Plan

$12,000/single policy
$24,000/family policy

Select Plan

$3,000/single policy
$6,000/family policy

Cancellation Costs

Up to the limit of your choosing we will insure the value of unused pre-paid travel and accommodation arrangements or the reasonable cost of rearranging your trip in the instance of certain events.
*For all plans, the policy limit for Cancellation Costs must be chosen at time of purchase; the limit will then appear on the Certificate of Insurance. Cover for Section 3: Cancellation Costs (and any sub-limit) is only provided for the International Select plan when the Cancellation Option is purchased for an additional premium. Sub-limits apply.

Comprehensive Plan

Chosen Policy Limit*

$5,000 included, option to increase to $10,000/single policy.

$10,000 included, option to increase to $20,000/family policy.

Select Plan

Option Only*

$0 included as standard.

Option to increase to either $5k or $10k trip value/single policy.

Option to increase to $5k, $10k, or $20k trip value/family policy.

Additional Expenses

If your trip is interrupted due to the death, sudden illness or serious injury of yourself or a close relative, we can offer cover for your reasonable and necessary additional travel, accommodation and meals.

Comprehensive Plan

Unlimited

Select Plan

Unlimited

Loss of Income

Cover is available if you suffer an injury as a result of an accident during your trip and within 30 days of that accident you become totally disabled.
Sub-limits apply.

Comprehensive Plan

$9,000/single policy
$18,000/family policy

Select Plan

Not covered

Travel Delay

This covers you for delays of more than 6 hours if your pre-paid scheduled transport is cancelled, rescheduled or delayed for a reason outside of your control.
Sub-limits apply

Comprehensive Plan

$2,000/single policy
$4,000/family policy

Select Plan

Not covered

Rental Vehicle Insurance Excess

If your rental vehicle is involved in an accident, is damaged, or is stolen whilst in your care we can offer cover for the rental vehicle insurance excess you are contracted to pay.
Option available on Comprehensive Plan at time of purchase to increase this to a maximum limit of $6,000.

Comprehensive Plan

$4,000 per policy

Select Plan

Not covered

Personal Liability

If your negligence causes injury to a person, or damage to property that is not owned by you we can offer for amounts for which you’re legally liable.

Comprehensive Plan

$2,500,000 per policy

Select Plan

$1,000,000 per policy

Accidental Death

If the worst happens and you die accidentally as a result of an injury that happens during your trip we can offer cover to pay your estate.
Sub-limits apply

Comprehensive Plan

$25,000/single policy
$50,000/family policy

Select Plan

$10,000/single policy
$20,000/family policy

Coverage to get to special events

We can offer cover to help get you to travel to events such as a wedding, funeral, conference or training course on time if your trip is unforeseeably interrupted.

Comprehensive Plan

$2,000/single policy
$4,000/family policy

Select Plan

Not Covered

Snow Sports & Activities Option

If you need this option, please add on cover for snow sports & activities at time of policy purchase (you'll see the tick box). This will ensure you have paid the additional premium and the Snow Sports option will be noted on your Certificate of Insurance. Our policies do not offer cover for taking part in any snow sports and activities unless you have selected this option and paid the additional premium.
Sub-limits apply.

Comprehensive Plan

Option Only

Select Plan

Option Only

  • Piste Closure
Comprehensive Plan
  • $100/day up to $1,000/single
  • $200/day up to $2,000/family
Select Plan
  • $100/day up to $1,000/single
  • $200/day up to $2,000/family
  • Pre-paid costs
Comprehensive Plan
  • $1,000/single policy
  • $2,000/family policy
Select Plan
  • $1,000/single policy
  • $2,000/family policy
  • Equipment Replacement
Comprehensive Plan
  • $1,500/single policy
  • $3,000/family policy
Select Plan
  • $1,500/single policy
  • $3,000/family policy
  • Hired Equipment
Comprehensive Plan
  • $2,000/single policy
  • $4,000/family policy
Select Plan
  • $2,000/single policy
  • $4,000/family policy

This table is a summary only. Please refer to the Policy Wording for full terms, conditions & exclusions that may apply.

FAQs about International Travel Insurance

Will I be covered for cruising?
Good news, cover for cruising is automatically included in our international policies.
Can nib cover my existing medical condition?
Yes, we automatically cover over 40 existing medical conditions, and can offer screening at time of purchase for coverage of other existing medical conditions at an additional cost.
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.

International Travel Tips

Cancellation cover

Consider the value of your trip when deciding on your cover limit for cancellation.

On the Select plan cancellation is not automatically covered but you can optionally choose to add this for an additional premium. On the Comprehensive plan up to $5,000 cancellation cover is included in your policy, with an option to add up to $10,000 coverage for an additional premium (note that these amounts are per primary traveller).

Travelling with Valuables

If travelling with valuable items, always be sure to take all reasonable precautions to safeguard them for example, not leaving them unsupervised in a public place, not leaving them behind nor walking away from them.

In instances like this, you can make a claims, but it is highly likely that it would not be approved.

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