Travel Insurance Saver
Single Trip Annual Multi Trip
    Traveller 1
    Traveller 2
    Child 1

    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.

    Travel Insurance for IEC


    Travel Insurance Saver may be able to provide cover for up to two continuous 365-day periods – Travel insurance up to 24 months – Travel Insurance for Canada 2IEC. 

    If you are travelling for up to two years, or two continuous 365-day periods, it may be possible to take out two continuous travel insurance policies online. 

    You may, pending approval by nib Travel, take out two travel plans before your date of departure, allowing for a period of cover that spans two continuous 365-day periods. As in, the return date of your first travel insurance policy coincides with the date of departure of your second travel insurance policy.

    Definition of Trip 

    In the case of the Comprehensive, Essentials and Bare Essentials Plans: it means travel during the period between the departure date and the return date listed on your Certificate of Insurance. The trip must start or end at your home in Australia. The period of travel cannot be altered without the consent of nib Travel.  

    If you plan on taking out two continuous policies to cover two consecutive 365-day periods:

    Your first policy must begin with your departure from your home in Australia, and if the first policy is to expire with you still travelling, your second policy’s return date must coincide with your return at your home in Australia. As above, the trip must start or end at your home in Australia, if your first trip policy starts with you in Australia, your second trip policy must end with your return at your home in Australia, as your second trip policy departure date will begin with you already travelling, therefore it must end with your return at your home in Australia. 

    Note: There is no ‘two-year travel insurance policy’; however, you may be able to take out two continuous travel insurance policies online to cover you for two consecutive 365-day periods. 

    Travel Insurance for IEC

    If you are travelling to Canada for up to two years and require a 2IEC visa, you may be able to take out two continuous travel insurance policies online. If you are going to be taking part in Snow Sports while travelling in Canada, or any other country for that matter, you will need to add Snow Sports Optional Extra to applicable policies (Comprehensive for 2IEC). 

    If you have an existing nib travel insurance policy that will end whilst you are travelling, and you buy a new policy before the period of insurance ends under your existing policy (at 11.59pm AET on the return date shown on your Certificate of Insurance), the waiting period will not apply to that new policy, provided that there is no gap between the periods of insurance. 

    Begin by entering your trip details into the ‘Get a Quote’ panel, from here the available travel plans will display per your trip details, alongside the schedule of benefits and the current Product Disclosure Statement (PDS). 

    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). Make sure you’ve read and understood the (PDS) prior to choosing a travel insurance policy.