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    Traveller 2
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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.

    $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.

    Italy - Activities


    Rome Nightlife

    Milan is where you will find a lot of nightclubs. Already a cosmopolitan and fashionable city, expect a lot of exclusives clubs – but if you dress right, you’re likely to get in. The nightlife in Milan is by no means superficial though, head to club Blue Note – where you can enjoy live blues and jazz music.  

    If you enjoy long lunches that last into the evening followed by dinner in a restaurant that stays open all night, then Rome is the place for you. Rome is the perfect city for people who appreciate good food, wine, and conversation. There are many secluded and hidden bars in the city where you can enjoy a Campari, one of the city’s favourite drinks. In the Testaccio area, you’ll find bars and clubs with Italian house music that plays all night, salsa clubs and other discos. While you’re in Rome you can also visit the Vatican City and stand in awe of Michelangelo’s Sistine Chapel.  

    Florence is also known for its nightlife. For an affordable clubbing experience, head on over to club Twice, one of the best clubs in the country where drinks aren’t too pricey, and entry is affordable. The club Space Electronic offers a more industrial experience, techno music and electronica thrums into the night – you won’t be leaving until sunup.  

    Shopping Paradise

    Italy has so much to offer when it comes to shopping. Milan is the fashion capital of the world, so you’d expect that there are heaps of shops to buy designer clothes, and there are. If clothing isn’t your thing though, there are plenty of other items to spend your money on. If you’re a coffee lover, we recommend you buy a bag of beans from Tazza d’Oro or Sant’Eustachio, both shops are in Rome. If you don’t feel like buying a bag, why not just stand at the bar and have cafe latte instead? Molto Bene. In Florence and the surrounding Tuscan villages you can visit leather markets, you’ll find some gorgeous hand-made leather goods – just be mindful of pickpockets.  

    R & R in Italy

    You’ve spent so much time wandering the cobbled streets of Rome and Florence, your feet must be tired from standing in galleries for hours. If that’s the case, it’s okay –Italians love a little bit of rest and recovery, they have been enjoying thermal spas ever since Roman times. Saturnia, hot thermal waters running from Mount Amiata and the hills of Maremma, store in the surrounding rock pools. These thermal baths reach a toasty 37 degrees Celsius and are in Tuscany. The thermal springs and warm mud baths located on the island of Vulcano are called Laghetto di Fanghi. Despite the pongy smell, the mud is considered a treatment for sore muscles, bones, and joints.  

    The most luxurious health resorts are Abano Terme and Montegrotto Terme (Veneto); L’Andana, Tombolo Talassa Resort, Poretta Terme and Salsomaggiore Terme (Emilia-Romagna) – to name a few.  

    Travel by Gondola

    Venice the city of canals a must-see experience. 

    Coastal experience

    Italy is a large peninsula with some surrounding islands in the Mediterranean, this translates to some fantastic beaches. If you want to go hiking in the Alps, you head north; if you want to lay on white sand, you go south, or west to Sardinia. The Costa Smeralda is incredibly beautiful, a sliver of white sand that stretches for 20km along Sardinia’s coastline, juxtaposing turquoise, and aquamarine waters. It is, however, the most expensive spot in all of Europe – we have some other suggestions if that doesn’t float your boat. 

    You could go for a holiday in the famed Positano on the Amalfi Coast in Campania. The town is incredibly charming and loveable, and you’ll no doubt be swept away by the famous southern hospitality. If you’re looking for something a little more humble and quieter, take a hike for Torre Guaceto, a hidden beach without the crowds. Other beautiful beaches can be found on the islands of Sicily and Capri.  

    Snow Skiing and Snowboarding in Italy

    Europe’s highest mountain ranges – the limestone Dolomites and the Alps – provide for Europe’s best skiing experience. Where the French and Swiss skiing and snowboarding experience is a little bit more serious and competitive, the Italian snow experience is a more relaxed one, so you’re likely to have a bit more fun. 

    The three most skiable terrains in Italy are the Dolomites, the Val d'Aosta and the Savoy Alps. There are a number of ski resorts in all of these areas ranging to the affordable resort for families, to the more upmarket resorts for celebrities and the like.  


    The Italian countryside is famed for its auburn beauty… vineyards along the coastlines of some incredible beaches, or mountain volcanoes towering into the horizon – trekking is the best way to really take this in. Cinque Terre is an easy trek that takes you past some impossibly perched fishing villages painted in gorgeous candy colours overlooking the Ligurian Sea. If you want to take your hike away from the coasts you can endure a moderately difficult hike through the Dolomites, it takes about three to four hours. The Tre Cime di Lavaredo Circuit should definitely be on your list of hikes.  


    Don’t forget to bring a camera, from the Colosseum, the leaning tower of Pisa, to the Vatican city or Mount Vesuvius, you’re going to need plenty of film for your trip.   

    Truffle Foraging

    Truffles are fungi that give out a rich and deeply aromatic aroma and are highly valuable in their use in cooking. In Umbria you can go foraging for truffles using either pigs or dogs, some truffles are worth their weight in gold so pay attention or you might miss a real valuable nugget. Black truffles are celebrated with a festival held every year in the town of Norcia, the rarer white truffles can be found between October and December. 

    Back to Italy 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.