Travel Insurance Saver
Single Trip Annual Multi Trip
    Traveller 1
    Traveller 2
    Child 1

    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 of South Africa


    History of South Africa

    South Africa travel insurance

    Brief History of South Africa  

    South Africa was first discovered by Europeans in 1488 when Portuguese navigators stopped by the continent on their way back to Europe from Southern India. They erected three crosses and stone pillars on the Eastern Coast of South Africa, it’s the country’s oldest European monument. The Portuguese had famed armadas and would sail back and forth between India and Europe collecting spices to bring home, this was around the spice boom period. Spices were highly prized in the middle-ages, we take them for granted today. Eating broiled meat without any flavouring can drive one to cross an ocean in search of a higher flavour, and that was the case in 1488. Sometimes flavouring is used to disguise the fact that the quality of food is lacking, particularly in some overseas countries. 

    Scientists believe and have extensive evidence to suggest that South Africa has been the home of our modern human ancestors for well over 100,000 years. Before that, the last 2.5 million years to be exact, it was the home of Australopithecines and numerous other Hominids species.   

    Before European arrival, South Africa had a large and varied native population, hence the name ‘Rainbow Nation’. There were San Bushmen, Khoisan peoples, Buntu peoples… then finally the Europeans arrived, bringing with them the usual wave of colonisation and pestilence. The first slave ships arrived in 1658. Though most slaves were taken to America’s from Western Africa, slaves weren’t taken not from the Cape but rather were brought to the cape to help establish a colony. As colonists pushed further from the Cape and into the hinterland, the Boers, Afrikaans for ‘farmer’, they strayed from Dutch supervision. The European population in South Africa increased, and so too did their need for provisions and supplies, taking more of the local African population into their stead as servants/slaves. The Europeans also introduced smallpox which decimated native populations, including that of the Khoisan.  .   

    During the 18th century, French factions within the Dutch empire caused a revolt and for the Dutch stadtholder to flee to England. The revolutionaries then declared their own Batavian Republic which was closely aligned with French Napoleonic interests. It was during this time that the British seized the Cape, so that it wouldn’t fall into French hands during the revolutionary wars. The British then relinquished control of the Cape back to the Dutch in 1803. After the Napoleonic Wars, the British inherited the Cape in 1806 and British sovereignty was officially recognized. The British went on to outlaw the Dutch language, replacing it with English, to spread British influence. They even encouraged 5,000 settlers from Great Britain to move to the Cape, who eventually settled in Port Elizabeth and Grahamstown.  

    The British would fight wars with the Zulu people, a warrior people, and would eventually annex the greater Zulu nation after many bloody battles. In the mid-1800’s the discovery of diamonds would bring great wealth and prosperity to colonial South Africa. By the 1880s, they were producing 95% of the world’s diamonds. This contributed greatly to the ‘scramble for Africa’, wherein the early 20th century, great European powers scrambled to draw up borders around Africa. The discovery of gold in the late 19th century also urged more colonial powers onto the southern-African continent. The early 20th century also brought about the two Anglo-Boer wars between the Boers and the British.  

    During WW1 and WW2 South Africa supported the British Empire and the Allies in their fight against Axis powers. It was during the post-WW2 era that the period of racial segregation continued, known as the apartheid era. During this time, native Africans were ejected from where they lived and were required to go back to their homelands, or Bantustans. Apartheid was recognized by the U.N as a crime against humanity in 1966, and trade embargos were enforced. In 1990, Nelson Mandela was released from prison, in 1994 South Africa held a general election and Mandela was elected president of South Africa.  

    In the last twenty years crime in South Africa has skyrocketed, with some cities in the country regularly ranking on dangerous cities lists. Racial tensions in South Africa are also quite high. 

    Places in South Africa

    South Africa travel insurance  

    Below are some of the places you might visit in South Africa: 


    South Africa’s capital and economic city, Johannesburg is a must visit. Though it’s come under scrutiny for being a dangerous city if you take measures and be aware you should be fine. 

    Visit the Cape Vinelands

    A lot of South Africa’s vineyards are situated in the Boland Basin, which is north-east of Cape Town. This is a good place for couples and honeymooners to go, as the vineyards hold several quality restaurants and is known for its romantic scenery. 


    Located on the southern shores of the country, Hermanus is known for its fantastic whale watching. You can even take a whale watching boat out onto the ocean.

    Drive to Durban

    Durban is South Africa’s second most populous city and is quite close to Johannesburg. It’s a popular tourist destination for South African’s. Durban is a very cultural city, and a city with some great beaches. You’ll see Mosques, Zulu art, colonial architecture, and Hindu Temples. Durban’s a great place to go surfing as well.

    Garden Route

    The Garden Route is a long and scenic drive that stretches along the South-Eastern shore of the country. It is so named for its dense and floral vegetation which grows along the length of the road. 


    The Drakensburg is a glorious mountainous region that forms a cliff-barrier between South Africa and Lesotho. Drakensburg is reminiscent of a fantasy realm and is a must-see for anyone travelling to South Africa.  

    Back to South Africa 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.