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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 Italy


    Travel Tips for Italy

    Travel Insurance to Italy
    Italy is widely regarded as one of Europe’s best holiday destinations. The country is well known for its food, culture and long history. There are many tourist hotspots in Italy, particularly around sites of archaeological significance. Cities like Rome, Florence, Venice and Naples, all draw millions of tourists yearly. Although Italy is a developed country, there are a number of travel tips that might be of some help. 
    A lot of the more popular hotels during the peak seasons get booked out months in advance, so we recommend you make your bookings a few months before you arrive in some of the bigger cities (Rome, Florence, Milan etc.). You can always book accommodation online staying at someone’s house through a bed and breakfast website, there seems to be plenty on offer in that respect. If you’re travelling on a budget, there are guesthouses and hostels all throughout Italy, and Europe for that matter.  
    You may wish to travel light on some of your expeditions throughout Italy. Many of the railway stations in the country do not have trolleys or porters who can pull luggage, so big suitcases can sometimes be a hindrance. Obviously, there are other ways to travel the country, like hire cars, but far and away trains are the most popular form of transport.  
    Having an international calling sim-card or mobile roaming will allow you to stay in contact with your loved ones while you travel.  
    The majority of the Italian population speak some English, so you’ll be able to get by without being fluent in Italian. You may wish to brush up on some basic Italian before your trip, to read timetables and directions for instance.  
    The Italian currency is the Euro, which is typically accepted by 19 countries within Europe. You shouldn’t have much trouble in respect to currency conversions.  
    Map Italy Travel Insurance

    Italy travel insurance

    Italy Demographics 

    Language:   Italian
    Area:  301,336 sq. km 
    Capital City:  Rome
    ± GMT:  +1 hours

    Countries nearby Italy

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    Information about Italy

    Italy Geography
    Italy Attractions
    Italy Activities
    Italy History

    Flag Italy Travel Insurance

    Travel Insurance to Italy 

    Please refer to the Australian Government website Smartraveller for general information about Italy from the Smartraveller website. Please read the PDS before considering travel insurance to Italy.

    Australian Embassy Italy

    Via Antonio Bosio 5
    Rome 00161
    Telephone  +39 06 852 721
    Fax             +39 06 8527 2300

    Useful Links

    Compare Travel Insurance
    Seniors Travel Insurance
    Cruise Travel Insurance
    IEC Travel Insurance
    Already Overseas Travel Insurance
    Snow Travel Insurance

    Italy 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 Italy.