Travel Insurance Saver
Single Trip Annual Multi Trip
    28
    October
    2021
    29
    October
    2021
    Traveller 1
    Traveller 2
    Dependant 1
    +Dependant

    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

    Snow Sports

    If you are participating in Snow sports on your trip you need to add this option to be covered.

    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 have changed this amount to $0.

    Cruise

    Cruising is covered as standard. If the cruise only stops in one country, just select that country.

    If the cruise only visits stops within Australia, make sure you select the ‘Cruising – 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, 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. Click here to find out more

    Altitude Limits

    There are no altitude limits associated to cover when hiking. Please refer to the Product Disclosure Statement for full terms, limitations, conditions, and exclusions. Click here to find out more

    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. 

    Existing Medical Conditions

    Medical Travel Insurance

    If you’re planning an overseas vacation you may wish to consider taking out a travel insurance policy before departing. All international travel insurance policies offer some form of overseas medical and medical evacuation cover when critically ill or injured.Medical travel insurance
    There are over 40 automatically covered medical conditions for which nib travel insurance can cover without the need for an additional premium. If you check the EMC list and see that your medical condition isn’t covered, or if you see that your condition doesn't mee the existing medical condition criteria you can apply for an online ‘Medical Screening’ when you get a quote. You can complete a medical screening to see if your medical condition can be covered. 

    There are only a few countries with reciprocal health agreements with Australia. If you’re travelling overseas to a foreign country without travel insurance, or if you have an existing medical condition that you’ve not mentioned to your insurer, you may find yourself in financial difficulty if you need medical assistance. If the existing medical condition you have becomes exacerbated during your trip and you haven’t applied and been approved for specific cover for it, you might find yourself out of pocket and claim being declined. That’s why it is best to be transparent about any existing medical conditions you have that aren’t ‘Automatically Covered’. The only policies that you can apply for a medical screening are the Comprehensive, Australian Travel and the Annual Multi Trip travel plans. 
    Travel insurance for medical
    While there are some countries with reciprocal health care, many travellers believe the Australian Government will pick up the bill which isn’t the case. There are only a few countries with reciprocal health agreements with Australia! In this case, your travel insurance may cover overseas medical and hospitalisation for certain aspects but may still not cover medical evacuation such as ambulances or being flown home in a medical escort plane if your condition is severe.   

    Choose your own trip length. You can buy travel insurance to cover a particular period, or the whole trip however your trip must start or end in Australia. Please click through for further information if you have already departed Australia, waiting periods apply.
     
    In case you’re travelling in and out of the country over the year, you may wish to consider taking out an Annual Multi Trip plan. This policy covers multiple trips up to 45 days back and forth from Australia. It may be a cheaper option and cover you for each trip, not just a single trip. 

    Medical evacuation

    There are situations where local hospitals are not outfitted to deal with certain serious medical conditions. This could be anything, from not having a surgeon with the right skill set on hand to missing a particular anti-venom. If this is the situation, the hospital may need to transport you to a more readily equipped location. This doesn’t necessarily mean having to go back to Australia, it could just mean moving from a rural area to a city. Whatever the cause or situation, this kind of transportation can be costly and is another reason to consider having adequate travel insurance coverage when travelling overseas. 
     
    nib may pay expenses which nib believe are reasonable and necessary to bring you back to your home in Australia, or to another destination of our choice.
    The decision to evacuate or repatriate you is nib's and nib will not pay for any evacuation or repatriation expenses unless it is medically justified, and you have received nib's consent. 

    Extras

    Are you suffering from an Existing Medical Condition and uncertain whether you will be eligible for medical cover when travelling? 

    nib offers automatic coverage for over 40 existing medical conditions. nib defines an existing medical condition as:
    any illness or injury for which, in the 12 months prior to policy purchase, you have:
    • 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 
     
    This definition applies to you, your travelling party, a close relative or a business partner.

    If it doesn’t fit that definition, nib doesn’t consider it to be an existing medical condition. If it fits that definition, you won't be covered for the medical condition unless you request complete a medical screening and add the condition to your policy. 
    Medical travel insurance 
     

     
    Travel insurance for pre-existing medical condition 
     

    If your Existing Medical condition isn't automatically covered then you can choose to disclose this condition and the details of your health to nib to apply to have the medical condition covered in the event you are hospitalised, or your trip is affected due to repercussions of your condition whilst travelling. If you don't wish to get cover for the specific condition this will not void your policy, you just won't have cover for that specific condition or anything relating to it. Other medical conditions that are not associated with an existing medical condition may be covered.
      

    Travel Insurance for Medical Cover

    If your High-Risk Medical condition is not disclosed, then you will not be eligible for coverage related to that specific medical condition.  If you are uncertain of whether you should disclose your condition or not, follow the link provided above to the EMC page or call us for further information.   
        
    Medical travel insurance 

    Lodge a Medical Screening Assessment

    If you have an existing medical condition; please click the ‘Medical’ button in the Features and More Information in the quoting panel for instruction to complete the medical screening process. 

    This is a summary of cover only. Cover is subject to the policy terms, conditions, limitations and exclusions as set out in the Product Disclosure Statement. Always read the Product Disclosure Statement before making a decision about any travel insurance policy

    Contact Travel Insurance Saver

    Coronavirus - Please visit our Travel Alert page for more information on Coronavirus. If you have any question's please fill in the form below and one of our friendly team members will get in touch soon.

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    Single Trip Annual Multi Trip
      28
      October
      2021
      29
      October
      2021
      Traveller 1
      Traveller 2
      Dependant 1
      +Dependant

      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

      Snow Sports

      If you are participating in Snow sports on your trip you need to add this option to be covered.

      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 have changed this amount to $0.

      Cruise

      Cruising is covered as standard. If the cruise only stops in one country, just select that country.

      If the cruise only visits stops within Australia, make sure you select the ‘Cruising – 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, 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. Click here to find out more

      Altitude Limits

      There are no altitude limits associated to cover when hiking. Please refer to the Product Disclosure Statement for full terms, limitations, conditions, and exclusions. Click here to find out more

      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.