Travel Insurance Saver
Single Trip Annual Multi Trip
    14
    April
    2024
    15
    April
    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.

    Travel Insurance for Australian Already Overseas

    - Worldwide Travel Insurance 1

    Extras

    Already started travelling and wanting to purchase a travel insurance policy? 

    If you have already started travelling and have not taken out a travel insurance policy, it may still be possible to purchase a travel insurance policy online. Please read the following article for some information regarding taking out a travel insurance policy after you have started travelling. 

    For more information, please visit the homepage and ‘get a quote’, you’ll be able to view the available travel plans depending on your trip details, as well as read the Product Disclosure Statement, and/or speak to our staff for more information. 

    If you’ve already started travelling when your Certificate of Insurance is issued: 

    72 Hour Waiting Period 

    A 72-hour waiting period applies from the time the Certificate of Insurance is issued before cover for any events begins. However, if after the trip departure date noted on your Certificate of Insurance and before the end of the 72-hour waiting period you suffer an injury as a result of an accident, cover as per the conditions of Medical expenses and Medical evacuation and repatriation begins from the time of the accident for that injury. 
     
    Cover for all other events only begins after the 72-hour waiting period, and is only for events first occurring after the 72-hour waiting period.

    Where you select a trip departure date that is more than 72 hours after your Certificate of Insurance is issued even though you’ve already started travelling: 
    • Cover under the benefit section Cancellation or holiday deferment costs and events 1 to 5 under the benefit section Coronavirus travel costs (only available under Australia Travel plan and Comprehensive plan) only begins after the 72-hour waiting period, and is only for any events first occurring after the 72-hour waiting period; and 
    • Cover for all other benefits and events begins from the trip departure date you nominate that is shown on your Certificate of Insurance and is only for events first occurring after the trip departure date. 

    When does cover for all other benefits and events begin and end? 

    Cover under all other benefits and events begins when you leave your home in Australia to begin your trip or the departure date of the trip shown on your Certificate of Insurance, subject to 72-hour waiting period if you’ve taken out your policy after you’ve already started travelling, whichever happens last. Cover ends when you return to your home in Australia or when the period of insurance ends, whichever happens first. 

    When does the policy begin and end? 

    Once you pay your premium, and we have accepted your application for insurance we will issue you a Certificate of Insurance showing the details of your policy. Cover is available for a trip to be taken during the period of insurance (which begins from the departure date, and ends at 11.59pm AET on the return date, which are shown on your Certificate of Insurance). 

    Definition of Trip 

    In the case of the Comprehensive, Essentials and Bare Essentials Plans: it means travel during the period between the departure date and the return date listed on your Certificate of Insurance. The trip must start or end at your home in Australia. The period of travel cannot be altered without the consent of nib Travel.  

    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). Make sure you’ve read and understood the (PDS) prior to choosing a travel insurance policy.