Travel Insurance Saver
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Single Trip Annual Multi Trip
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    October
    2021
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    2021
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    Dependant 1
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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

    Snow Sports

    If you are participating in Snow sports on your trip you need to add this option to be covered.

    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.

    $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 have changed this amount to $0.

    Cruise

    Cruising is covered as standard. If the cruise only stops in one country, just select that country.

    If the cruise only visits stops within Australia, make sure you select the ‘Cruising – 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, 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.

    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. Click here to find out more

    Altitude Limits

    There are no altitude limits associated to cover when hiking. Please refer to the Product Disclosure Statement for full terms, limitations, conditions, and exclusions. Click here to find out more

    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. 

    Welcome to Travel Insurance Saver

    Customers who have purchased a policy still have cover and can claim as per the policy documentation. If future travel is affected by government restrictions, there are options available if customers no longer need a policy.

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    Benefits

    • Medical cover
    • Emergency dental
    • Additional expenses
    • 24/7 emergency assistance
    • Cancellation cover and deferment costs
    • Luggage

    Extras

    Get a quote on travel insurance

    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, 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.

    Coronavirus has changed travel for everyone and even though you might be ready to hit the road (or sky) when it comes to travel insurance, it is more important than ever to know exactly what you are and are not covered for before you go

    Is there any cover for Coronavirus-related events on nib's travel insurance plans and what are the benefits?

    Cover for some coronavirus-related events is available on all nib’s travel insurance plans (excl. Cancellation and Additional Expenses Plan), but the types of benefits and benefit limits vary.

    nib would like to cover every coronavirus-related scenario that a traveller can think of, that is not what travel insurance is designed to do, so read the Product Disclosure Statement (PDS) for Australian residents, or Policy Document for New Zealand residents carefully for the full terms, conditions, limits and exclusions so that you know what is, and is not, covered.

    Overseas Medical Benefit: If you contract coronavirus while on your trip, all of nib’s International travel insurance plans can offer cover for overseas medical expenses.

    Medical evacuation and repatriation: All nib travel insurance plans include cover for medical evacuation and repatriation if nib decides it is medically necessary, up to the relevant benefit limit.

    Coronavirus Travel Costs: nib’s Coronavirus Travel Costs benefit is available on the Comprehensive Travel Plan, Australian Travel plan and Annual Multi-Trip Plan and can provide cover for several coronavirus-related events. It includes cover for quarantine expenses and trip cancellation if you are diagnosed with coronavirus.

    Need to make a claim? Sorry to hear your trip did not go as planned. At least making a claim is a simple process. Get started here.

    Frequently Asked Questions

    What do I do if I get Coronavirus (COVID-19) before my trip?
    Isolate! And seek appropriate medical attention.
     
    Do not delay the cancellation of your plans. If you know you need to cancel, contact your providers as soon as possible to maximise the opportunity of refunds from your providers.
     
    Depending on the plan you have chosen, you may be able to make a claim for non-refundable travel costs under the Coronavirus Travel Costs section of the plan up to the benefit limit.
     

    What do I do if I get Coronavirus (COVID-19) on my trip?

    Contact nib’s Emergency Assistance team. Utilising a global network of medical providers, the team will connect you with local medical facilities. They can also assist by getting in contact with friends and family where needed.
     
    Always keep receipts for any payments you make and wherever possible, request written reports from providers or local authorities.
     
    Follow travel and health advice – different countries have different rules. What is ok in Australia may not be ok in the countries you visit.
     
    Our International plans include emergency overseas medical cover if you contract coronavirus while travelling. 
     
    If I need medical treatment overseas, will you only pay up to $2,500?
    Rest assured that if you incur medical expenses overseas for an event covered under the policy, including if you contract Coronavirus (COVID-19) and it is not related to an ‘existing medical condition’ (as defined in the PDS), then coverage is offered up to the Medical benefit limit. Just make sure you contact nib’s Emergency Assistance team so they can help.

    The Coronavirus Travel Costs benefit (for other non-medical coronavirus related events, where included on the plan you have selected) has a limit of $2,500 limit for a single policy (and $5,000 for a family policy); this is separate to the benefit limit available for medical expenses Incurred Overseas. 
      

    Authorised Representative Disclaimer: 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. Any information provided is general only and you should consider if this product suits your needs. Before deciding to purchase this product, please read the Product Disclosure Statement available from us. This insurance is underwritten by XL Insurance Company SE, Australia branch (ABN 36 083 570 441).

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    Insurance Saver Pty Ltd ABN: 18 624 919 366