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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.

    Activities in Japan

    Extras

    Skiing

    The Japanese Alps provide great skiing for the immediate and experience skiers. Hokkaido offers hot springs in their resorts. If you have your ski legs in summer, you can grass ski at Gokase highland which is located at the most southern ski slope in Japan. 

    Cycling 

    Is very popular in the cherry blossom season which occurs between April and May as well as later in the year in October and November. There are numerous tracks and paths throughout Tokyo to get a better perspective of the capital city. 

    Sado Island

    The unspoilt landscape of Sado Island is the heritage of the Kodo Drummers known as the samurai percussionists. 

    Whale and Dolphin Watching

    The best time to whale and dolphin watch is between January and March. There are plenty of tour operators that are well experienced in locating these fascinating mammals. 

    Shopping

    Ginza is one of the best shopping areas in Tokyo and is a must-see destination when travelling in Japan especially for travellers needing some retail therapy. 

    Martial Arts

    Japan is renowned for its martial arts offering sumo and judo which are national sports of Japan. These tournaments draw massive crowds. Other sports included kendo and fencing. 

    Ueno Park / Maruyama Park

    Ueno Park is located in Tokyo whilst Maruyama Park is located in Kyoto. Both parks offer spontaneous cherry blossom parties in April and May. 

    Soccer/ Football

    Football has taken off in Japan in recent years with the introduction of the Japanese soccer J-League as well as their participation in the world Cup. 

    Sapporo 

    Is the capital city of Hokkaido and is known for its nightlife and snow festival that operates in February. The snow festival has a duration of 7 days with an abundance of ice sculptures. 

    Theatre

    Japan’s traditional puppet theatre entertainment is a great insight to Japan’s vast culture, other forms of theatre are ‘Can Noh’ and ‘Kabuki’ where actors dress in medieval outfits. 

    Golf 

    Golf courses in and around Tokyo are considered to be the most challenging in the world. Be careful to book in advance, however, membership or an invitation is sometimes required. 

    Gion Festival

    Is a street parade with plenty of costumes and participants carrying portable shrines. The festival is in Kyoto and takes place in July. 

    Nightlife in Tokyo

    To discover clubs, bars, and geisha tea houses you will need to visit Akasaka and Roppongi. For people looking for a bit faster atmosphere you might want to touch base in Harajuku and Shibuya. 

    Back to Travel Insurance to Japan 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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