¹ Sublimits apply, please read the Product Disclosure Statement. ² Medical/evacuation benefits provided for up to 12 months from the date of illness or injury; medical expenses incurred in Australia are not covered. ³ This is a limit per policy; it is the most we’ll pay for all people on your Certificate of Insurance combined, per trip This is a summary of cover only and does not include the full terms, conditions, limitations and exclusions as outlined in the Product Disclosure Statement
International Travel Tips
Your policy limit for “Cancellation or holiday deferment costs” must be chosen at the time of purchase. You can vary the maximum trip cancellation limit at the time you purchase your policy, and you will be advised of any change in premium.
Travelling with Valuables
Always be sure to take all reasonable precautions to safeguard all your luggage and personal effects. For example, don't leave them unsupervised in a public place, and don't leave them behind or walk away from them. In instances such as this, you can make a claim, but it is highly likely that it would not be approved.
FAQs about International Travel Insurance
Will I be covered for cruising
Good news, cover for cruising is automatically included in our international policies. If you get sick aboard a cruise, 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, 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.
Can nib cover my existing medical condition?
Yes, we can offer automatic cover for more than 40 existing medical conditions, provided that you satisfy the criteria for that condition. If your condition is not automatically covered, you can apply for cover before or at the time you buy your policy. In many cases, we expect we'll be able to offer you cover for your existing medical condition for an additional premium.
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.