Travel Insurance Saver
Single Trip Annual Multi Trip
    2
    March
    2024
    3
    March
    2024
    Traveller 1
    Traveller 2
    Child 1
    +Child/Children

    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.

    $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.

    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

    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.

    Amend Your Policy

    Extras

    Cancelling and Amending your policy

    If your travel plans have changed, it may be possible to amend, extend, or cancel your travel insurance policy. This can be done via your online account or by contacting TIS so we can check your policy and make any changes available. 

    Amending your travel insurance

    If the trip start date on your policy has not yet passed, and you haven’t made, and don’t intend to make, a claim, then you can change the trip start date to align with your new travel plans. You can only move your trip start date to a date that is up to 12 months (or up to 18 months on the Comprehensive Plan) after the date you purchased your policy. Additionally you can amend details or extend the policy. 

    It's important to understand that there are current limitations to cover relating to coronavirus, Do Not Travel warnings and travel bans, which may also limit your cover if you amend your existing policy.   

    Refund inside the cooling-off period 

    All nib Travel Insurance policies are subject to a 21 day ‘cooling-off’ period within which travellers may be able to cancel their policy and obtain a full refund.

    If you want to cancel a policy within the cooling-off period, nib will refund your premium as long as you aren’t using your policy in any way.  This means that:  

    • you haven’t travelled under your policy or started your trip; and
    • you have not made a claim and do not intend to make a claim; and
    • you are not exercising any other right under the policy.

    Refund outside the cooling-off period 

    nib recognise you may be unable to travel due to coronavirus related travel restrictions (e.g. border closures or travel bans), which impact you after the cooling-off period has expired.

    nib are offering eligible customers the option to cancel their policy outside the cooling-off period and obtain a refund.

    Single Trip International Plans & Domestic Plans

    If you are unable to travel due to coronavirus related travel restrictions, and you haven't used and don't need to use your policy to travel or claim, you are eligible to obtain a refund.

    Before you decide to cancel, please make sure you consider the implications and any existing value under the policy, including for example any pre-trip cancellation cover you may have. The extent of cover afforded will depend upon both the policy wording and your individual facts and circumstances. 

    Annual Multi Trip Plans

    For Annual Multi Trip policyholders whose travel plans are disrupted by coronavirus travel restrictions, nib recognise you may be unable to travel and may wish to cancel your policy.

    If you are unable to fully utilise your policy due to coronavirus related travel restrictions, and you haven't and don't need to use your policy to claim, you may be eligible to obtain a refund for the unused proportion of your policy.

    nib will calculate any refund from the later of the date you returned to your home, and the date your use of your policy was impacted by a coronavirus related travel restriction.

    Understanding what it means to cancel your policy  

    Remember, cancelling your policy means you won’t be eligible for any cover, and you won’t be able to make any claim under the policy. If you request and are granted a refund, your policy cannot be reinstated.   

    If you have any questions or require assistance please contact us  

    Refunds can take a few days to appear on your credit card statement.