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Single Trip Annual Multi Trip
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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.

    Germany - Palaces, Parks, and Gardens


    The unique sites of past glory are among the most popular destinations in Germany. They take the enthused visitor on a travel back through time. Introducing a tradition and history thousands of years old.


    Known all over the world as a symbol of idealised romantic architecture and the tragic tale of its lord. After Ludwig II's sovereignty was taken away, he withdrew into his own world of myths, legend and fairytales on a rugged mountain peak by the Pöllat gorge. He had already felt the lure of the Middle Ages as a child prince growing up in medieval Hohenschwangau Castle. When Ludwig II started construction of Neuschwanstein in 1869, he united aspects of the Wartburg, a quintessentially German castle that had only been restored a year before, with those described in the Castle of the Holy Grail from Wagner's “Parsifal”. Neuschwanstein Castle, which was only given this name after Ludwig II's death, unashamedly harks back to the German Romanesque of the 13th century. Indeed, the southern wing was only completed in 1891, five years after the king's mysterious death at Lake Starnberg. 

    Burghausen Castle

    The longest castle in Europe (1,043 metres) and one of Germany's largest, it perches high above the small baroque town of Burghausen in Upper Bavaria on the Austrian border, just like in a fairytale. Its many towers have seen more than a thousand years of history. This monument to late-medieval fortress architecture is laid out like a vast picture spread. The castle's present appearance with its fortified towers, walls which are five metres thick in places, outer wards, keep, ditches, banqueting halls and drawbridges dates from the 13th to 15th centuries. It also has dark chapters in its history, as evidenced by the witches' tower and torture tower (now a museum), the "Spinnhäusl" for female prisoners and the Prechtl Tower, in which the executioner lived. 

    Wilhelmshöhe Palace & Park, Kasselb 

    A trip to Italy provided the inspiration for what is now Kassel's première visitor attraction. As soon as Landgrave Karl von Hessen-Kassel set eyes upon the monumental statue of Hercules in Rome, he was smitten. The task of turning the Landgrave's dream into reality fell to an architect from Rome called Giovanni Francesco Guerniero, who created a masterpiece of nature and architecture in the Habichtswald hills between 1701 and 1711. Towering atop a steep 527-metre peak is the Octagonal Palace with the famous Hercules at its very tip. From here, water gushes down a magnificent cascade, passing plateaus and grottos before emptying into the “Neptune basin”. In 1785 Elector Wilhelm I set about transforming the surrounding scenery into the wild and romantic upland forest park we see today, with its water features, embankments, and bridges. Wilhelmshöhe Palace, to which he lent his name, is today a museum with an impressive collection of Old Masters.

    Royal Herrenhausen Gardens, Hannover

    Electress Sophie von Hannover was the mastermind behind these splendid gardens. She had the country estate and summer retreat of Herrenhausen laid out in the style of the impressive baroque gardens created by the House of Orange. At its heart is the Grosser Garten, a park resembling a vast outdoor banqueting hall, where snow-white sandstone sculptures add gravitas to the ordered nature. Herrenhausen is also home to Germany's first garden theatre: with its gilded figures, it is as spectacular a setting today as it was in Electress Sophie's day. The gardens were Sophie's great passion and Herrenhausen became a vibrant rendezvous for prominent figures in European cultural affairs. They have also preserved the history of the Guelph dynasty and illustrate the diversity of European horticulture. 

    Back to Germany 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.