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    2024
    21
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    2024
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    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.

    Activities in Fiji

    Extras

    Scuba Diving

    Fiji's waters are among the best in the world for diving. Over 400 species of corals, sea walls and drops makes for a fantastic marine life experience. View turtles, manta rays, soft corals and an abundance of stunning tropical fish as well as reef sharks and dolphins can be seen throughout the island’s coastline. Visibility is excellent, even when diving more than 50 metres. There are some fantastic walls and drop-offs up to 100 metres and 30-km drift dives. Shipwrecks, caves and night dives are also available for the more experienced divers. The seas are continuously warm ranging from 26c in July to 31c in January at 5 metres depth.

    Golfing

    Fiji offers beautiful lushes’ course from pitch and putt to championship course. The best thing about the course is the lack of people. You can get out there and enjoy a relaxing game without the hustle. 

    Course of interest include

    The Pacific Harbour Golf Club: This club is located at Pacific Harbour and was designed by Robert Trent Jones.

    The Fiji Golf Club: Located in the Main city of Suva.

    The Denarau Golf Club: Looking out towards the beautiful waters off the island of Denarau.

    Shangri-La Fijian Resort Executive Golf Course: Newly extended and recreated, the Shangri-La course is the only one in Fiji that offers Tifton Dwarf grass greens.

    Snorkelling

    Is abundant and the best spots included the nearby lagoons followed by some camping on beaches or overnight in remote fishing villages. 

    Surfing

    The only beach breaks for novices are at Sigatoka, otherwise all surfing breaks are over shallow razor Tsharp coral reefs with a wipe out bound to create cuts and grazes. 

    Windsurfing 

    The best place for windsurfing is from Safari Lodge facing the trade winds on the exposed east beach of Nananu-i-Ra Island off north Viti Levu. Vita Levu offers weeklong courses or hire equipment by the hour. 

    Kayaking 

    All resorts seem to have sea kayaks for guest use and will probably include as a complimentary activity. Safety gear is recommended, and you should always inform somebody of your intended journey in case of an emergency due to the dangerous currents or a gusty storm arrives unannounced. weeklong expeditions are available during May and October around the islands with Kadavu and the Yasawa Islands. 

    River rafting

    White water rafting (Up to Class III rapids), motorised canoe cruises and traditional bilibili (Fiji bamboo rafts) tours are all available on the Navua River in East Viti Levu. All tours pass through rich rainforest, river gorges and traditional riverside villages. Simply breathtaking atmosphere. 

    Fishing

    Fishing is a way of life for many Fijians, using nets, spear guns and fish traps in the shallow lagoons and even hand lines along the riverbanks as a matter of sustainable living. 

    Fishing is equally rewarding for visitors allowing tourist the opportunity purse billfish in the deep waters off Taveuni and Savusavu in the north of Fiji. The most accessible game fishing tours from Nadi visit the Malolo Barrier Reef in the Mamanuca Islands, a great spot for deep sea trawling. 

    Hiking 

    If hiking is a hobby than you will be in paradise in Fiji. Fiji provides copious amounts of trails around the islands that connect villages and lead to waterfalls. Most are known only to the local villagers, but a few have been opened up for tourism. Several areas have been declared as National Parks and offer well maintained trails. 

    Places of interest are;

    • Nausori Highlands, Nadi Area, Viti Levu
    • Bouma National Heritage Park, Taveuni, Northern Islands
    • Wildlife & Reserves
    • Koroyanitu National Park, Nadi Area, Viti Levu
    • Colo-i-Suva Park, Suva Area, Viti Levu
    • Lake Tagimaucia in Taveuni, Northern Islands

    Wildlife watching

    View parrots, fruit bats, and marine turtles. You should also check out Sigatoka Sand Dunes off the main Queens Highway on Viti Levu as well as the acres of orchids and flowering plants in the Garden of the Sleeping Giant at the foot of the Sabeto Mountains. 

    Village Visits

    Visiting a Fijian village is often the highlight of many holidaymakers and top on the tales of hardened travellers. Although there are no specific eco tour village packages, most resorts, especially those in the Yasawa Islands, Kadavu, Ovalau and Taveuni can organize village visits, plantation tours and guided hikes. Apart from relishing the tourist orientated yaqona ceremony, travellers can usually visit people’s homes, sample foods, learn to weave, go fishing and generally immerse themselves into daily Fijian life. 

    Back to Fiji Travel Insurance page.

    Before choosing a policy, please be aware that terms and conditions, exclusions, limits and/or sub-limits will apply to most sections. It is important to read the Product Disclosure Statement (PDS) before making any purchase to ensure the cover provided matches your specific requirements.  

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    Insurance Saver Pty Ltd, ABN 18 624 919 366, AR 001263726 is an authorised representative of nib Travel Services (Australia) Pty Ltd (nib), ABN 81 115 932 173, AFSL 308461 and act as nib's agent and not as your agent. This is general advice only. Before you buy, you should consider your needs, the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and Target Market Determination (TMD) available from us. This insurance is underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193.

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