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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.

    Attractions in India



    Delhi is comprised of two cities. New Delhi is a more modern city, where anybody can enjoy Lutyens' architecture; ‘Old' Delhi is many more centuries old. Characterised by old buildings and winding alleyways where one can stumble upon a bustling bazaar at any moment, Old Delhi is an explorer’s paradise. In Delhi, you can visit the Jama Masjid, built by the Mughal’s in the mid-17th century, it is India’s largest mosque. Nearby you can see the Red Fort as well as the tower Qutab Minar’s. There are countless attractions for you to enjoy in Delhi and New Delhi. Delhi can be broken up into two, New Delhi is a modern city, offering Lutyens' architecture; ‘Old' Delhi is several centuries old, with narrow, winding streets, ancient shrines, and rambunctious bazaars. 

    Golden Triangle

    Discover the ‘Golden Triangle', a circuit of cities with Delhi in its centre. It is comprised of two other cities: Jaipur and Agra.

    Taj Mahal

    Located in the southeast of the Golden Triangle in the city of Agra. The Taj Mahal is one of the most iconic buildings in the world, like the Great Wall of China and the Colosseum in Rome, it is one of the seven modern wonders of the world. The Taj Mahal was originally built as a tomb by a grief-stricken prince for his deceased princess; it has since become a tourist hotspot for visitor’s far and wide.


    On the southwest of the Golden Triangle, in the state of Rajasthan, is the city of Jaipur, the vibrant ‘Pink City'. In Jaipur, you can see such sights as the Amber Fort and the Palace of the Winds. In Rajasthan, you can also travel to the city of Udaipur, built around the picturesque man-made Lake Pichola, famous for the Lake Palace Hotel, and known globally as the ‘Venice of the East’. On the southwest of the Golden Triangle, in Rajasthan, is Jaipur, the vibrant ‘Pink City'. Visit the Amber Fort and the Hawa Mahal (Palace of the Winds). Visit the beautiful city of Udaipur, built around the lovely Lake Pichola and famed for its spectacular Lake Palace Hotel, and known as the ‘Venice of the East’. 


    To the southeast of the golden triangle lies Khajuraho with its famous erotic friezes. 

    River Ganges

    Along the River Ganges banks is the astonishing city of Varanasi. Varanasi is renowned as one of India's holiest Hindu locations.


    Darjeeling is a hill town in West-Bengal. We had to include it in this list because of the breathtaking vistas you’re likely to experience travelling here. Darjeeling is well-known for its tea plantations, where you’ll breathe in the green sloping hills covered by lush grasses and tea plants. In the distance, through the shrouded mountain mists, you’re likely to spot Kangchenjunga – the world’s third highest mountain.  If you don’t want to walk on foot the whole time, take the Himalayan Railway (UNESCO heritage), a train through the Himalayas where you can take in all the sights and sounds of Darjeeling.  


    The capital of Maharashtra, Mumbai (formerly Bombay) is a city that is quintessentially Indian. A large, sprawling metropolis that meets the waters of the Indian Ocean, there is nothing you can’t see in Mumbai. The home of Bollywood, skyscrapers and slums alike, Mumbai is a city that embodies the word joy, and nowhere else in the world will you experience all India has to offer than in the city of Mumbai.


    Kolkata is the capital of West Bengal. Kolkata is the doorway to South-east Asia, and as well as being distinctly Indian, the city has a rich colonial history. Kolkata used to be a trading hub between India and the rest of Asia. When India first became independent, they decided to keep many of the colonial buildings that typified Kolkata. We recommend you visit the Bengal Club to get a full breadth of India’s colonial past.


    India's beaches are both beautiful and unique. The warm sands of India’s coastline, populated by tropical palm trees and fruit-swilling merchants, contrast the deep-blue hues of the Indian ocean.  Mumbai has Juhu and Chowpatty to swim, but we recommend you get out of the big cities if you want to go to the beach. Head to Goa, a beach destination for people from all walks of life. In Goa you can find global cuisine at bargain prices, beach parties, and day spas. If you’re after something quieter, then trip south a little, you’ll find Gokarna. Further south still and you’ll come to Varkala, our favourite beach. Varkala hasn’t yet fully been commercialized, so it’s a great place to unwind after your long trip south through India.  


    India is dotted with thousands of unique and breathtaking temples, it would take a lifetime to see them all. In the Maharashtra state, you will find the Kailasa temple. This temple was carved from one giant piece of rock and is believed to be about 1300 years old. Brihadisvara temple is located in the southern part of India in the state of Tamil Nadu. This temple is around a thousand years old and is characterized by its intricate architecture and great height. Finally, you should make time to visit the Golden Temple, in Punjab (India’s north). This temple is the home of the Sikh religion and is a place of cultural and historical significance for the Sikh people, and the country of India. 


    People always talk about going on safari in Africa, little do they know it’s more affordable to safari in India. India is well known for its tiger and elephant populations, but in India, you can also find Asiatic lions, rhinoceros, antelope, leopards and many more. There are around 93 national parks in the country, 486 wildlife sanctuaries and 14 unique biosphere reserves. The best-known reserves are Ranthambore National Park (Rajasthan), Keoladeo Ghana National Park (also Rajasthan), Corbett Tiger Reserve (Uttarakhand) and Khana National Park. 

    Back to India 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.