Learn more about how our products include cover for some coronavirus related events.
Cover for some coronavirus related events is available on all our plans (excl. the Cancellation and Additional Expenses Plan), but the types of benefits and benefit limits vary.
As much as we’d love to cover every coronavirus-related scenario that a traveller can think of, that’s not what travel insurance is designed to do, so read the Product Disclosure Statement (PDS) for Australian residents carefully to know what is, and isn’t, covered. Our policies include plans which offer cover for :
Overseas Medical Benefit: If you get sick with coronavirus while on your trip, all of nib’s International travel insurance plans include cover for overseas medical expenses.
Medical evacuation and repatriation: All nib Travel insurance plans (except Cancellation and Additional Expenses plan) include cover for medical evacuation and repatriation if we agree it’s medically necessary, up to the relevant benefit limit.
The Australian Government strongly supports immunisation, and the World Health Organization (WHO) advises that It is important to be vaccinated as soon as possible.
If you choose not to take appropriate preventative and precautionary measures to protect against the risk of COVID-19, including vaccination, there are policy exclusions that may affect the cover available if your trip is impacted by COVID-19.
If you are awaiting vaccination, or are not yet fully vaccinated, it is important that you observe applicable preventative and precautionary measures, including wearing a mask and practising physical distancing; WHO continue to recommend these other preventative measures for vaccinated travellers.
If you cannot be vaccinated for COVID-19 for medical reasons, we will take these circumstances into account when we assess what is fair and reasonable with regard to your claim.
It is important to be aware of the entry requirements at your destination, as losses such as being denied entry, or additional quarantine requirements due to your vaccination status are not events that the policy offers cover for.
Refer to health.gov.au, who.int and your policy wording for more information.
It is not an eligibility requirement in purchasing a policy that you be vaccinated, however; if you are able to be vaccinated, and choose not to take this precaution, it may impact the cover that is available, if this choice leads to a claim.
This is true not only for COVID-19, but for all illnesses, before you travel you should ensure you are aware of what vaccinations are recommended for the region where you are travelling.
The Australian Department of Health recommends consulting your doctor or visiting a travel health clinic six to 12 weeks before you travel.
If you cannot be vaccinated for COVID-19 for medical reasons we will take these circumstances into account when assessing any claim; you may also need to provide documentation to demonstrate this.
You should ensure that you are aware of what documentation you may need during your trip; and entry requirements at your destination.
Mandatory quarantine that is broadly imposed, including due to vaccination status is not covered by the policy, nor is being denied entry at your destination.
Sorry to hear your trip didn’t go as planned! Submit a claim and we’ll review your claim and get in touch with the outcome.
This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.