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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.


    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. 


    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 to Hong Kong


    Hong Kong Travel Insurance

    Hong Kong is considered as the pearl of the south. It is a state-of-the-art, multi-ethnic city with a lot to see. 

    Hong Kong goes parallel with the Chinese culture at present. It’s considered as a financial and trade centre and is an amazing place to visit, even as the “Shanghai Effect” becomes perceptible.  

    Hong Kong Island and its adjacent islands are similar to two different worlds. The island encompasses its own big park on Victoria Peak, a Trappist Monastery, colonial museums, a mystifying supply of local markets, a zoological park, Disneyland and lot of temples, and that is virtually around the corner when you’re staying there. 

    Travel Insurance to Hong Kong 

    No wonder, numerous writers were and are so spellbound and a host of movies has been shot there. It’s a magical place by nature, as much as by design. 

    For visitors, Hong Kong has always been and persists to be a great place to visit. It’s quite affordable in terms of world standards. 

    An individual who’s ever seen the South China Sea coast at its best is likely to be glad about the comfort, enlightened luxuries and the deep Chinese character. Likewise, China, the actual risk to your budget is the wish to buy all the attractive things you find. Hong Kong is claimed to be among the major distributors of the remarkable Chinese art, cultural items and furniture all over the world, and Hong Kong shopping for Sinophiles is optimistically addictive. 

    Click here to compare travel insurance to Hong Kong

    Map Hong Kong Travel Insurance

    Hong Kong Demographics

    Language:  Cantonese, English
    Area:   1,084 sq. km  
    Capital City:   Victoria
    ± GMT:  + 8 hours 

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    Information about Hong Kong

    A territory located in Southern China in East Asia, bordering the province of Guangdong to the north and facing the South China Sea to the east, west and south. Renowned for its expansive skyline and natural setting, Hong Kong is one of the world's leading financial capitals, a major business and cultural hub, and maintains a highly developed capitalist economy. Hong Kong is located on China's south coast, 60 km east of Macau on the opposite side of the Pearl River Delta. 

    Hong Kong informationFlag Hong Kong Travel Insurance

    Hong Kong Geography
    Hong Kong Climate
    Hong Kong Attractions
    Hong Kong Activities
    Hong Kong History

    Australian Consulate-General Hong Kong,

    23/F Harbour Centre
    25 Harbour Road, Wan Chai
    Hong Kong
    China (People's Republic of)
    Telephone +852 2827 8881
    Fax          +852 2585 4457

    Travel Insruance for Hong Kong

    Please refer to the Australian Government website Smartraveller for general information about Hong Kong SAR. Please read the PDS before considering travel insurance to Hong Kong.

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    Hong Kong Travel Insurance

    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). Read the (PDS) prior to choosing travel insurance to Hong Kong.