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Single Trip Annual Multi Trip
    Traveller 1
    Traveller 2
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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.

    $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.


    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.


    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.

    Bali - History


    By the Bronze era, around 300 BC, quite an evolved culture existed in Bali. A Chinese scholar, Yi-Tsing, in 670 AD reported that on a trip to India he had visited a Buddhist country called Bali. 

    It wasn't until the 11th century that Bali received the first strong influx of Hindu and Javanese cultures. The old Javanese language, Kawi, became the language used by the aristocracy, one of the many Javanese traits and customs adopted by the cause. 

    In the middle of the 11th century, Bali enjoyed a period of autonomy, however, this proved to be short-lived as in 1284, the East Javanese king Kertanegara, conquered Bali and ruled over it from Java. In 1343, Bali was brought back under Javanese control by its defeat at the hands of Gajah Mada, a general in the last of the great Hindu-Javanese empires, the Majapahit. 

    Bali history has become quite unique and distinctive since it is fully supported by its society's attitude which pays special heed to their ancestral archaeological remains. The belief in ancestors is what makes the awareness of history so great in Bali. Hindu influences from Java grew from the reign of King Airlangga (1019-42) and the rock cut memorials of Gunung Kawi are a legacy of these 11th century links to Java. 

    Based on the information found in an 8th century AD inscription, it could be said that the Ancient Balinese historical period covered the time between the 8th and the 14th century AD, when the Majapahit's Gajah Mada expedition invaded and defeated Bali. Gajah Mada's expedition to Bali was done when the Bedahulu kingdom under King Astasura Ratna Bumi Banten and Patih Kebo Iwo governed Bali. 

    Majapahit appointed Sri Kresna Kepakisan to lead the government in Bali under the consideration of the existence of a blood relation between he and the people of Bali Aga. As Islam spread in Java the Majapahit Court progressively moved to Bali. Making its final exodus with priests, artists, and intellectuals, in 1478.

    Dutch's Colonization Period

    When Buleleng fell into Dutch hands, the Dutch government began to intervene in the management of the government in Bali. Van Bloemen Waanders as the first controller in Bali. Dutch invasion of the south, which climaxed in a suicidal puputan, when the Denpasar nobility burnt their own houses, then, dressed in their finest jewellery and waving the golden krises, marched straight into the Dutch guns. The king of Tabanan, Karangasem, Gianyar and Klungkung soon capitulated, and Bali became part of the Dutch East Indies. 

    Japanese Occupation

    After going through several battles, the Japanese army landed on Sanur Beach in February 1942. The Japanese army entered Denpasar without encountering any resistance. From Denpasar, Japan controlled the entire island of Bali. At first, the party that established Japanese power in Bali was the Japanese Army (Rikugun). Later, when the situation became stable, the power of government was handed over to a civilian government. 

    On 20 November 1946, starting at dawn, the Dutch forces began to encircle Marga Village. During the ensuing war, many members of the Dutch advance force were killed. The violent battle continued, involving all members of the Ngurah Rai forces, which were determined not to retreat from the battle until all their forces were defeated. It was here that the Ngurah Rai force held Puputan resulting in all 96 members of the force being killed, including Rai himself. About 400 members of the Dutch force were also killed during the fierce battle. 


    On August 17th, 1945, Indonesia was declared independent by its first President, Soekarno.

    Back to Bali 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.