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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.

    Geography in Indonesia

    Indonesia is an archipelagic island country in Southeast Asia, lying between the Indian Ocean and the Pacific Ocean. It is in a strategic location astride major sea lanes between the Indian Ocean and the Pacific Ocean.  

    Compare our travel insurance  plans to Bali!


    Indonesia has a very complexed culture, it is not set, but is dynamic and varied. The culture has in some part been affected by centuries of complex interaction with the physical archipelagic environment. This is displayed in traditional dress, dances, cuisine, music, and language. Being an archipelago of numerous different islands, many cultures developed initially unaware of one another. Through improvements in technology, these cultures eventually came together. As you’d imagine, there are still over 700 different languages present in the Indonesian archipelago, and 300 different ethnic groups, a people for every island.   

    Looking for travel insurance for seniors? Find out more about travel insurance for seniors


    The archipelagic country of Indonesia extends 5,120 kilometres from east to west and 1,760 kilometres from north to south, over both land and ocean. There are around 17,508 islands, all in all, only 6,000 of them are inhabited by people.  

    If you combined all the islands in Indonesia together, the total land area would be 1,919,317 square kilometres, roughly the same size as Mexico. Included in Indonesia’s total territory is another 93,000 square kilometres of inland seas (Strait, bays etc.). If you account for the additional surrounding sea area, it brings Indonesia’s total territorial size to 5 million square kilometres.   

    Looking for Worldwide travel insurance? Find out more


    The archipelago of Indonesia has thousands of different islands, but there are a few main islands where the majority populations reside. Most of the Indonesian population, around 139 million people, reside on the island of Java. The capital city of the island and the capital city of the country is Jakarta, with a population of roughly 10 million people. The other major islands in the archipelago are Sumatra (47 million); Sulawesi (17 million); Kalimantan (15 million) - the Indonesian part of the Bornean Island, and Irian Jaya (4 million) – the Indonesian part of Papua New Guinea.

    Need International Travel Insurance? Online quote from Travel Insurance Saver.


    Java, Sumatra, and Kalimantan lie in the Greater Sunda Islands, which means they lie on the Sunda shelf – an extension of the Malay Peninsula and the Southeast-Asian mainland. Papua, or Irian Jaya, lies in the extreme east of the archipelago, on the Sahul Shelf.  

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    Nusa Tenggara consists of two chains of islands spanning from Bali east towards Papua. The inner arc of Nusa Tenggara is a continuation of the string of mountains and volcanoes extending from Sumatra through Java, Bali, and Flores, and trails off in the Banda islands. The outer arc of Nusa Tenggara is a geological extension of the chain of islands west of Sumatra that includes Nias, Mentawai, and Enggano. This chain reappears in Nusa Tenggara in the rugged mountain islands of Sumba and Timor.

    Back to Indonesia 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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