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Single Trip Annual Multi Trip
    Traveller 1
    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. 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.

    History in New Zealand


    New Zealand has a long and rich history, which all started with the first humans arriving on the New Zealand archipelago around 700 years ago. The first inhabitants of the islands were to become the Maori people, who sailed from the eastern skirts of modern-day Polynesia. The Polynesian people were avid sailors and spent a lot of their time at sea on specially crafted canoes, large enough to take a decent crew of people out for extended periods of time in search for new lands. Polynesia, of course, consists of many islands, big and small, and the people inhabiting these islands travelled frequently between them trading and learning from one another. The canoes that the Polynesians used to sail around were built with ingenuity and knowledge of the ocean. They were designed like a catamaran, two single wooden vessels on either side conjoined with timber, and with dual masts. The catamaran-like design enabled the sailors to stay at sea for extended periods of time while avoiding capsizing, the design itself was unique and has been adopted by modern shipbuilders.  

    The Polynesians settled on New Zealand, previously uninhabited by people, and were isolated. They developed their own Maori culture and distinct way of life. In Maori legend, the Chief Kupe sailed from the mythical homeland of Polynesian people, Hawaiki, which is widely agreed to be Raiatea, the second largest of the Society Islands after Tahiti, to New Zealand. Upon arriving in New Zealand, the chief described the islands as looking like a ‘long white cloud’, and so he named the archipelago ‘Aotearoa’, which means ‘long white cloud’. Initially, the term was used only to describe the North Island but has since come to encompass both islands. The canoes of ‘the great fleet’ sailed to Aotearoa around 1350 when the archipelago became officially populated. The Maori settled mostly on the eastern coast of the North Island, where the subtropical climate is most temperate. The Maori people ate a diet consisting mostly of fish, eggs, root vegetables, and they hunted extensively the large flightless bird known as the Moa. When the Moa bird, which stood more than 3m tall, was hunted to extinction, the giant Haast’s eagle also went extinct. The Maori also conducted many skirmishes between tribes and fought wars, usually overland. They’re well-known for performing the Haka war dance and continue to do so now as a display of their culture. 

    Contact with Europeans

    Europeans first made contact in 1642, when the Dutch explorer Abel Tasman first made a record of sighting New Zealand, however, he couldn’t land. They dropped anchor at the shore and were greeted by two canoes full of Māori’s, who upon approaching the large sail ships blew their horns. The Dutch explorers followed suit by blowing their horns and firing upon the canoes with their cannon. The canoes returned to Aotearoa and later came back with more armed Māori’s. A conflict ensued in which four sailors died. The Dutch left and it wouldn’t be for around another hundred years before Europeans would approach New Zealand. From 1769 to 1779, the British made extensive progress circumnavigating and exploring the land. Soon after the land would be colonized by Europeans. Many arrivals caused inevitable conflict with the Māori people, and many skirmishes and wars were fought over land. In 1840, the treaty of Waitangi was signed by Māori chiefs, which gave sovereignty of various areas in New Zealand to the British. Much confusion ensued over the meaning of the treaty, and war/s continued for the next 40 odd years. The Māori population would decline heavily from war and disease; however, their population thankfully increased after health improvements. Today, there are more than 730,000 Māori people living in New Zealand.  


    The pre-war period saw the start of party politics, following the constitutional monarchy system, like Australia’s and England’s. The Liberal Government was established, and New Zealand was effectively ruled by wealthy landowners. Māori’s sold their land initially to settlers, the sales of which were made void, the government resold the land to sheep farmers, who effectively became the New Zealand gentry. The Liberals would buy up land to create a party solely supported by landowners, and in the early 20th century they were so politically dominant that they had no real opposition in parliament. It wasn’t until 1909 that Māori’s would be able to sell land to private landowners.  


    New Zealand was a loyal and enthusiastic subject of the British Empire, and when war broke out in 1914, around 100,000 troops served overseas, with 18,000 dying and 41,000 were wounded. New Zealand troops served alongside Australian troops and formed the ANZAC (Australia and New Zealand Army Corps). The ANZAC group operated during the battle of Gallipoli, where more than 2700 New Zealanders died.  

    The rise of the Labor Party

    The Labor Party rose to prominence after WW1, winning 25% of the vote. As it expanded its principle to favour socialism, the party received a jump in support, to 35%. Support would peak in 1938, just after the party was to be elected to government for the first time ever in 1935. The great depression helped swing more support Labor’s way, who set about implementing several social and economic reforms that helped the country.  


    New Zealand supported Britain during the second world war and sent around 120,000 troops to aid the allied forces. 10,100 lost their lives.  


    Today New Zealand enjoys a high-quality of living, low crime rates, and a stable economy. They can look to their history of social and economic reforms as a measure for today’s good wealth. 

    Back to New Zealand 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.