Travel Insurance Saver
Single Trip Annual Multi Trip
    8
    May
    2021
    9
    May
    2021
    Traveller 1
    Traveller 2
    Dependant 1
    +Dependant

    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.

    Altitude Limits

    There are no limits associated with altitude when hiking. Please refer to theProduct Disclosure Statement for full term, limitations, conditions andexclusions

    Family Travel Insurance

    Holidaying with the family and you need some travel insurance? Planning a vacation for the family over the school holidays can be very stressful and time-consuming. Let us relieve some of that stress and keep you on schedule by organising your family travel insurance coverage for you and your family today.
    Family travel insurance
    Here is an example of some of the coverage provided by nib travel insurance policies which may suit your family's needs while travelling on holiday:
    Travel insurance plans can offer cover^ for:
    • Dependent children under 25 years of age, and working less than 30 hours per week are covered for free. 
    • Children must be travelling 100% of the trip with 1 or more parents/guardians to be covered for free. 
    • Medical evacuation 
    • Unlimited Medical is available on all international policies
    • 24/7 Australian based emergency assistance team
    ^ This is a summary of cover only. Cover is subject to the policy terms, conditions, limitations and exclusions set out in the Product Disclosure Statement. Always read the Product Disclosure Statement before making a decision about any travel insurance policy.   
    A close relative as defined in the Product Disclosure Statement is a relative of yours or of a member of your travelling party, who is resident in Australia or New Zealand. It means a spouse, de facto partner, parent, parent-in-law, daughter, son, daughter-in-law, son-in-law, brother, sister, brother-in-law, sister-in-law, niece, nephew, grandchildren, grandparent, stepparent, stepchildren, fiance or fiancee, or legal guardian.

    A child is 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.

    Family travel insurance

    Choose the right season

    Choosing the right season to travel can make a big difference on your trip. If we go to Europe in peak-season, we’re likely to have to contend with large crowds and inflated prices. If we travel to places in the shoulder seasons, the locals are likely to be a bit more relaxed, you can see the country without having to compete in queues, and most things can be a lot cheaper. The shoulder seasons to travel in Europe are either side of summer, so autumn and spring. The same goes for most countries, like Mexico, the best time to travel there is August, September and October – you’ll beat the crowds and get some modest prices for your delicious tacos.

    Extras

    Family Travel Insurance

    Additional benefits are available that may be suitable for your holiday; these benefits include the Snow Sports Optioncruise covermulti-trip cover, the Specified Medical Conditions Option, Specified Items Cover, Additional Rental Vehicle Insurance Excess Option and a variable excess. Some of these may be automatically included in your cover while others you will need to pay an additional premium at the time you purchase your policy for cover to be provided.  

    Travelling with your family can be one of the most enjoyable experiences in life. You get to take in the sites of the world and share that with the people who are closest to you. It’s a time of bonding and discovery and is something every family should embark on at least once. When travelling with our families travel insurance is important particularly if one member was to become sick or injured on the trip –  not having travel insurance could put undue financial pressure on the parents. Uninsured hospital bills overseas can range in the tens of thousands, even for a few days. Below is a list of tips for travelling while you are with your family:

    Picking your family holiday destination

    It might help in the planning process to all sit-down together and brainstorm on where you’d all like to go. Perhaps the parents could pick a few different places and then let the children decide from there, that way they’ll feel like they’ve had a choice in the process. 

    Take it slow

    The less you plan on your itinerary, the better. Children tend to get tired more quickly, and with tiredness comes restlessness. You mightn’t want to take your kids to five galleries in a day, rather, if you just do one thing really thoroughly and well you can make a perfect day of it. By taking your time you’re likely to enjoy your trip a whole lot more. The slower you go, the less likely there is for anything to go wrong. 

    Family travel insurance

    Have a set family itinerary 

    When you have everything set out and pre-planned before you head off on your big trip, you leave a lot less to chance – and there’s a lot less that can go wrong. When we know what we’re doing, it takes a lot of the pressure off of having to sort out what we’re going to do for the day, let alone the entire week! If we’re following an itinerary we can put our feet up a bit, and not have to think so much. Also, when we have a proper itinerary, we get an idea of how much money we will need to spend, and it makes it a lot easier to budget. 

    Pack appropriately

    You should try to pack the bare minimum, you’re already with the people who matter most – so why try and impress anyone? Try to minimize things like jewellery and other valuables, just take the things that are most comfortable and maybe some formal dress wear if you get a night away with your spouse.
     
    Your kids should be easy to pack for, but remember, pack things that are comfortable. You’re likely to be walking around a lot and spending a lot of time in transit – so comfort is key. 
     
    Family travel insurance 

    Choose the right family accommodation

    Picking the right accommodation is pretty important if you’re going to be travelling with your family. If you’re looking to splurge a bit, there are some fantastic resorts located all around the world, like the Marriott or the Hyatt. These resorts have great services for kids to use, like kids’ clubs where the kids can go out for the day with a group of other children and a minder – perfect if the parents want some time to themselves.
     
    Likewise, you can also rent an apartment which will make for a very comfortable experience, you’ll feel as if you’re right at home but in a different country or city! Also, apartments are usually cheaper, and it gives you the option of cooking your own food, which can be a big bonus overseas. 

    If you pre-book your accommodation in advance and end up cancelling due to an event in the PDS, depending on the level of cover you buy, your travel insurance may cover your pre-paid purchases that you can't be reimbursed for. 

    Take a road trip with the Family

    Road trips can be an excellent way to travel once the kids in the family reach a certain age. Rather than spending money on exorbitant plane tickets, you can hire a car and travel from point A to point B while seeing everything in between. Road tripping through somewhere like Europe is definitely the best way to see everything. If you take out a Travel Insurance Saver policy, we may be able to offer rental vehicle insurance excess coverage. 
     
    Many travel insurance policies provide insurance for rental vehicle excess, so if you’re road tripping with the family it is worth considering. Not all policies include Rental Vehicle Insurance Excess, please compare different travel plans to see what is best for your travel needs. 
     
    Remember, with a quality travel insurance policy, you and your family may be covered in the event that you need to cancel or postpone your trip. This cancellation could be for any of the reasons listed in the Product Disclosure Statement, such as unexpected illness. It’s never advised you travel without insurance, especially with your family. 
     
    This is a summary of cover only. Cover is subject to the policy terms, conditions, limitations and exclusions set out in the Product Disclosure Statement. Always read the Product Disclosure Statement before making a decision about any travel insurance policy. 
     

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    Single Trip Annual Multi Trip
      8
      May
      2021
      9
      May
      2021
      Traveller 1
      Traveller 2
      Dependant 1
      +Dependant

      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.

      Altitude Limits

      There are no limits associated with altitude when hiking. Please refer to theProduct Disclosure Statement for full term, limitations, conditions andexclusions