Travel Insurance for Australian Already Overseas
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.
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.