Travel Insurance Saver
Single Trip Annual Multi Trip
    27
    May
    2024
    28
    May
    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. 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 for your Existing Medical Conditions (EMC)

    To add cover for an existing medical condition please get a quote and select the  'Medical Condition' under Options and More Information.  Australian Travel, Annual Multi Trip & Comprehensive travel plans are the only policies that you can add cover for an Existing Medical Conditions onto. 
    When you confirm that you have an Existing medical condition that isn’t automatically covered, you will be redirected to complete a medical screening 

    What's an existing 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.
  • Automatically covered conditions

    There is automatic cover for over 40 existing medical conditions. Your medical condition is classified by nib as an automatically covered condition if it's listed in the list below, provided that you satisfy all criteria listed for that condition. If you have an existing medical condition that's not automatically covered under your policy, then you won't be covered for any claim that arises in relation to that existing medical condition.

    Extras

    Acne - You haven’t received treatment for your acne from a medical practitioner in the three months prior to buying your policy.

    Allergies - You follow advice in accordance with your medical practitioner (such as to carry EpiPens, antihistamines/ other preventative medication at all times) and, at the time you buy your policy, you:

    • have no other known or underlying respiratory conditions or diseases (for example, asthma); and
    • have not required treatment from a medical practitioner for your allergies in the last six months.

    Anaemia (Iron Deficiency) - No criteria apply.

    Asthma - At the time you buy your policy, you:

    • are under 60 years of age;
    • have no other known or underlying respiratory conditions (including sleep apnoea);
    • haven’t required cortisone medication, except taken by inhaler or puffer; and
    • haven’t required hospitalisation for asthma in the last two years, including as an outpatient.

    Bell’s Palsy - No criteria apply.

    Benign Positional Vertigo - At the time you buy your policy, you haven’t required hospitalisation for benign positional vertigo in the last two years, including as an outpatient.

    Bunions - At the time you buy your policy, you haven’t had surgery for bunions in the last three months and have no surgery planned.

    Carpal Tunnel Syndrome -  At the time you buy your policy, you haven’t had surgery for carpal tunnel syndrome in the last three months and have no surgery planned.

    Cataracts - At the time you buy your policy, you have no ongoing complications, haven’t had surgery for cataracts in the last three months, and have no surgery planned.

    Coeliac Disease - At the time you buy your policy, you haven’t required hospitalisation for coeliac disease in the last two years, including as an outpatient.

    Congenital Blindness - No criteria apply.

    Congenital Deafness - No criteria apply.

    Diabetes Mellitus (Types I and II) At the time you buy your policy, you:

    • were diagnosed more than six months ago;
    • haven’t had any complications in the last six months;
    • have no eye, kidney, nerve or vascular complications;
    • have a blood sugar level reading between 4 and 12 or a HbA1C score of 9% or less; and
    • have no known cardiovascular/ coronary heart disease.

    Dry Eye Syndrome - No criteria apply.

    Ear Grommets - At the time you buy your policy, you have no current ear infection.

    Epilepsy - At the time you buy your policy, you’ve:

    • no underlying medical conditions (for example, previous head trauma, stroke);
    • not changed your medication regime for epilepsy in the last 12 months; and
    • not required hospitalisation for epilepsy in the last two years, including as an outpatient.

    Folate Deficiency - No criteria apply.

    Gastric Reflux - Your gastric reflux doesn’t relate to another underlying diagnosis (examples: hernia or gastric ulcer).

    Glaucoma - At the time you buy your policy, you have no ongoing complications, haven’t had surgery for glaucoma in the last three months, and have no surgery planned.

    Goitre - The underlying medical cause excludes tumour.

    Graves’ Disease - At the time you buy your policy, you haven’t received treatment from a medical practitioner for Graves’ disease in the last six months.

    Hashimoto’s Disease - The underlying medical cause excludes tumour.

    Hiatus Hernia - At the time you buy your policy, you haven’t had surgery for hiatus hernia in the last six months and have no surgery planned.

    Hypercholester­olemia/ Hyper­lipidaemia (High Cholesterol / High Lipids) - Provided you have no cardiovascular/ coronary heart disease.

    Hypertension (High Blood Pressure) - Provided at the time you buy your policy:

    • you have no known cardiovascular/coronary heart disease; and 
    • your current blood pressure reading is lower than 165/95
    Hypothyroidism (underactive thyroid) - The underlying medical cause excludes tumour.

    Hyperthyroidism (overactive thyroid) - The underlying medical cause excludes tumour.

    Impaired Glucose Tolerance - At the time you buy your policy, you:

    • were diagnosed more than six months ago; 
    • haven’t had any complications in the last six months; 
    • have no eye, kidney, nerve or vascular complications; 
    • have a blood sugar level reading between 4 and 12 or a HbA1C score of 9% or less; and
    • have no known cardiovascular/ coronary heart disease.
    Incontinence - You have no underlying gastrointestinal or urinary condition.

    Insulin Resistance - At the time you buy your policy, you’ve:

    • no known cardiovascular/coronary heart disease; and
    • not required hospitalisation for insulin resistance in the last two years, including as an outpatient.
    Iron Deficiency - No criteria apply.

    Macular Degeneration - No criteria apply.

    Migraine - You haven’t required hospitalisation for migraines in the two years prior to buying your policy, including as an outpatient.

    Nocturnal Cramps - No criteria apply.

    Osteoporosis/ Osteopenia - At the time you buy your policy, you:

    • haven’t had any fractures;
    • don’t require more than one medication for this condition; and
    • have no other conditions involving the neck or back.

    Pernicious Anaemia - No criteria apply.

    Plantar Fasciitis - At the time you buy your policy, you haven’t had surgery for plantar fasciitis in the last three months, and have no surgery planned.

    Raynaud’s Disease - At the time you buy your policy, you haven’t required treatment by a medical practitioner for Raynaud’s disease in the last six months.

    Sleep Apnoea - At the time you buy your policy, you:

    • have no other known or underlying respiratory conditions (including asthma); and
    • haven’t required hospitalisation for sleep apnoea in the last two years, including as an outpatient.
    Solar Keratosis - Your condition has been confirmed as benign.

    Trigeminal Neuralgia - You haven’t required treatment by a medical practitioner for trigeminal neuralgia in six months prior to buying your policy.

    Trigger Finger - At the time you buy your policy, you haven’t had surgery for trigger finger in the last three months, and have no surgery planned.

    Vitamin B12 Deficiency - No criteria apply. 

    Changes in your health before travelling

    If you develop a new medical condition (or the symptoms of one) after you buy your policy but before you depart on your trip, you must check with your medical practitioner that you are fit to travel and get written confirmation. If you don’t get your medical practitioner’s written confirmation before you travel, and/or are unfit to travel due to your medical condition, you won’t be covered for any claim that arises from that condition if you still travel.

    Don’t forget, the definition of an existing medical condition includes a condition that was displaying symptoms or that you were undergoing investigations for at the time you bought your policy. If you did not tell nib about your existing medical condition when you bought your policy, contact nib as soon as possible.

    Contact Travel Insurance Saver

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