Booked that dream vacation and wondering if travel insurance is necessary? While most trips go smoothly, unexpected issues like lost luggage, illness, or natural disasters can derail your plans. Our travel insurance plans offer financial protection when things go wrong.

What is travel insurance?

Travel insurance covers financial losses from unexpected events such as cancellations, theft, injury, medical emergencies, and travel disruptions. Like health or car insurance, it provides a safety net, ensuring you’re not left with massive out-of-pocket expenses.

Cover that takes you across the seas^

Our policies include plans which offer cover for:

Cruise cover

Cover for publicly available cruises, including international ocean or river cruises, and domestic river cruises depending on the plan.

Existing medical conditions

Get automatic cover for more than 40 existing medical conditions, provided all criteria for the condition are met.

Luggage and personal effects

Cover for accidental damage, theft or permanent loss of your luggage and personal effects.

Cancellation costs

If you select trip cancellation, pick the limits that best suit your travel plans.

^ Coverage is subject to the terms, conditions, limitations and exclusions for each policy, as contained in the Product Disclosure Statement.

What does the Australian government say?

The Australian Government’s Smartraveller states that travelers without insurance are personally liable for all medical and related costs overseas. They stress: “If you can’t afford travel insurance, you can’t afford to travel.”

Common travel insurance myths

  • “Medicare covers me overseas.” No, Medicare only applies within Australia.
  • “Cruises in Australian waters are covered by Medicare.” Not necessarily, medical services must be provided by accredited Medicare providers and within Australian ports.
  • “I’m traveling to a safe country, so I don’t need it.” Even in low-risk destinations, flight delays, theft, medical emergencies, and lost luggage can happen.
  • “Travel insurance is a waste of money.” If a rental car accident, flight cancellation, or medical emergency occurs, insurance can save you thousands.
  • “My credit card includes travel insurance.” Many credit card policies have strict conditions and may not cover family members, existing medical conditions, or rental car excess. Always read the fine print.

Grab your nib travel insurance today.

Travel insurance safeguards your trip and finances. Always review policy details to ensure adequate coverage.

^Coverage is subject to the terms, conditions, exclusions, and limitations outlined in the Product Disclosure Statement.