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    2024
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    2024
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    Medical Condition

    An existing medical condition is any medical condition which:

    At the time you buy your policy is:
    • chronic; or, 
    • displaying symptoms; or, 
    • under investigation; or, 
    • pending follow-up, consultation, treatment or surgery; or where these are recommended or planned; 
    • or metastatic; 
    • or terminal; or
    in the six months prior to the time you buy your policy there has been:
    • treatment by a medical practitioner; or 
    • medication prescribed; or 
    • surgery.

    Please refer to existing medical conditions that meet the criteria for automatic cover. 


    Do you want to complete a medical screening? 

    After entering your trip details (Age, Destination, Dates) to get a quote first. Please click on the "Continue" button to be redirected to nib to complete a medical screening. You will need to enter in details such as name & email, the medical screening will be on the following page. 

    Snow Sports

    If you are participating in Snow sports on your trip you need to add this option to be provided cover for snow sports related events. Snow Sports cover is only available on the International Comprehensive, Annual Multi trip and Australian Travel plans.

    By selecting this option, you’ll be charged an additional premium. You can uncheck this box if you do not wish to purchase this additional cover.

    Snow sports are defined as Snow skiing and snowboarding on and off piste, back country skiing and snowboarding, snowmobiling, tobogganing, cross-country skiing, telemark skiing. Click the link to find out more about Snow Sports travel insurance.

    $0 Excess

    By selecting this option, you’ll be charged an additional premium. You can uncheck this box if you don't want to reduce your excess. Different excess options are available when you "Get a Quote".

    Variable excess option. An excess is the amount that is deducted from your claim payout. A standard excess of $250 applies to most claims. By selecting this option, you can reduce your policy excess amount to $0 on some plans. An additional excess may apply to specific medical conditions. This excess cannot be removed.

    Cruise

    Cruising is covered as standard. If the cruise only stops in one country, just select that country. If the cruise stops at multiple destinations, add each destination. 

    • If you are travelling to 'New Caledonia', please also add in 'South Pacific Cruise' so cruise is displayed on your Certificate of Insurance. 
    • If the cruise only visits stops within Australia, make sure you select ‘Australian Waters’ option and NOT just Australia.

    If you get sick aboard a cruise while traveling under one of our international policies, 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, conditions, 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.
    Click the link to find out more about travel insurance for cruising.

    Already Overseas

    If you are already overseas and need travel insurance due to your previous policy expiring, or need to be covered while overseas and for your return trip back to Australia you can purchase while overseas. The trip must end at your home in Australia. A 72 hour waiting period may apply for policies purchased when you are already travelling. See waiting periods in the PDS for more information. 

    Annual Multi Trip

    Annual Multi Trip Plan, trip(s) means any travel up to 45 days in duration between the departure date and return date shown on your Certificate of Insurance. Each trip must:
    • Start and end at your home in Australia, and 
    • Be to a destination of at least 200km from your home in Australia, and 
    • Include travel by either pre-paid scheduled public transport or hire car, or include at least one night of pre-booked publicly available accommodation
    Designed for people who are travelling internationally and may also be travelling domestically. 

    Child/Children

    Your children, stepchildren, grandchildren, foster children, and children for whom you are the legal guardian, who are travelling with you on the same itinerary for the entire duration of your trip and at the time the Certificate of Insurance is issued are:
    • under 25 years of age, and
    • working less than 30 hours per week.

    Coronavirus Travel Costs

    This benefit covers you for specific events related to coronavirus, such as contracting the virus causing you to cancel the trip or causing your quarantine; a healthcare worker's leave being cancelled; or you being denied boarding due to your suspected infection with coronavirus. Click the link to find out more about travel insurance for coronavirus.

    COVID-19 Medical

    Overseas Medical limit - $Unlimited^ (including COVID-19. Subject to policy terms, conditions, limitations and exclusions).
    ^Expenses for up to 12 months from the date an illness first appears or injury first occurs. Includes reasonable and necessary overseas medical expenses arising from sudden illness or serious injury (including COVID-19).

    One Way

    Policies are available for one-way travel overseas or to return back to Australia! Enter your departure and return dates which would be your active dates of insurance. Trip must start or end at your home in Australia. Click the link to find out more about one way travel insurance.

    Travel insurance to Europe

    Extras

    Looking for Europe travel Insurance?
    Enter your travel details in the quote panel to view travel insurance to Europe.

    Ye Olde World 

    Europe, the old world, where all of Western culture originates from. Europe is the most visited continent on the planet. The number one most visited country in the world is France, and the second most visited country in the world is Spain. Travelling to Europe really is incredible and surprising. A continent comprised of so many cultures living side by side. 
     

    Close neighbours 

    You only have to travel for a couple of hours to cross from one country into another. What is more surprising is how different the cultures are to one another. Although the French, Italian and Spanish languages are all romance languages, meaning they’re based off of the Latin language, the cultures and languages today are completely different. 
     

    Origins 

    Coming from a country like Australia, a broad land with a small population, who all share the same predominantly spoken language, it is quite an amazing experience. And for a lot of people from different parts of the world it is the same. That is why Europe is one of the favoured tourist destinations in the world. 

    Some of the most popular countries to travel in Europe include:
     
    France; Spain; Italy; Germany; Austria; Greece; Portugal; United Kingdom; Ireland and Holland. 
     

    Growing in popularity now as a tourist destination because of its low price and brilliant culture is Eastern Europe: 

    Hungary; Czech Republic; Croatia; Bulgaria and Romania.  

    How big?

    Europe in terms of size it is slightly larger than mainland China. Geographically Europe is vast and varied, with many different islets and peninsulas. 

    The best of the west 

    European history is long and varied and has had a profound impact on modern-Western culture. Western culture and European culture can be seen as distinct. With European pilgrims migrating to the New World in the 1600’s. Modern American culture has had a profound impact on the rest of the world through their media, music and literature.  

    In many ways it can be said that Western culture deviated from the extant European culture and has come to influence it again. Because of Europe’s rich culture and history, it makes it a popular destination for students. University’s often will have exchange problems between nations. 

    Divergent Cultures 

    Look at the influence the U.S.A has had on the rest of the world through reinventions of stereotypical depictions of other countries cultures through their film mediums. How do people know what France is like if they’ve never been? They’ve seen it through American films most likely. And how do French people react when they see their own culture recreated and reconstrued back to them? Probably with mild amusement. 

    This is why to see a country properly, to know its essence and to feel what it is really like, you must travel there in person. 

    Senior Travel Insurance Destination

    Many seniors are travelling more than ever before, and of course a favoured holiday destination is Europe. Europe provides some of the best cuisine in the world, so many different kinds of cuisine in one area. You can eat Filet Mignon in France, Spaghetti Carbonara in Italy, Bratwursts in Germany and Goulash in Hungary. 

    Europe Medical Travel Insurance 

    If you are in a rural or remote area, and the hospital you are taken to doesn’t have the adequate care for your condition, medical evacuation and repatriation, which is covered under all policies, will allow for the transfer of your persons from one hospital to another. Seniors deserve the best when they travel overseas, they’ve worked hard all their lives and now they’re trying to enjoy the fruits of their labours. In Europe, it is common for people to take cruises around the Mediterranean. If you are going to be cruising around the Mediterranean, your travel insurance policy will cover you, as cruise cover is included under all policies. The International Comprehensive travel insurance policy to Europe will also provide you with additional cruise coverage. 

    Romance Abroad 

    Europe is also one of the most romantic places on the planet. With cities like Barcelona, Paris, Prague and countless others, it’s not hard to see why so many love stories are filmed and written here. It’s true, the Europeans love differently to the rest of us. Open and warm, this is how they are characterized. So different to us Australians, who for the majority of us get our cultural roots from the frigid British. 

    But we can learn to love like Europeans, if only for a fleeting moment, by spending time there. You can find love in Europe, or bolster your own, or avoid love altogether and gorge on food and drink – either way, you’ll have a wonderful time 

    Car Rental Travel Insurance 

    Europe is also a large land mass. If it were a country, it would be larger than China, which is the fourth largest country in the world. With fifty sovereign nations on the continent, travelling by car is one great way to see the best the continent has to offer.  

    Useful Links

    Worldwide Travel Insurance
    Seniors Travel Insurance
    Cruise Travel Insurance
    IEC Travel Insurance
    Backpacker Travel Insurance
    Business Travel Insurance
    Holiday Insurance
    Cancellation Cover Travel Insurance
    Snow Travel Insurance
    IEC Travel Insurance
    Off Piste and Back Country Skiing
    Already Overseas Travel Insurance

    Travel Insurance to Europe

    Travel Alert: You can only travel to your destination if there is no travel ban in place or if you have an exemption. Also, while a destination has a 'Do Not Travel' warning in place for COVID-19, our policies won't cover a loss arising from COVID-19 in that destination. See the latest government advice at smartraveller.gov.au and health.gov.au, and check the travel insurance alerts

    Cover is subject to the policy terms, conditions, limitations, and exclusions set out in the current Combined Financial Services Guide and Product Disclosure Statement (PDS). Read the (PDS) prior to choosing travel insurance to Europe. 

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    Insurance Saver Pty Ltd, ABN 18 624 919 366, AR 001263726 is an authorised representative of nib Travel Services (Australia) Pty Ltd (nib), ABN 81 115 932 173, AFSL 308461 and act as nib's agent and not as your agent. This is general advice only. Before you buy, you should consider your needs, the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and Target Market Determination (TMD) available from us. This insurance is underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193.

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