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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.

    Travel insurance to the United Kingdom


    United Kingdom Travel Insurance

    If you are looking for an incredible getaway, there's no better place to travel to than the United Kingdom! With its rich culture, vibrant cities, and magical scenery, the UK has something to offer to everyone. From the hustle and bustle of London to the breathtaking countryside, its stunning landscapes, the UK promises an unforgettable holiday experience. 

    Whether you are looking for a city break or a peaceful trip, the UK is an ideal choice. The UK is a diverse country, and there are many places to visit that are sure to suit your needs. Start your journey in the capital city, London, and explore some of the world-famous landmarks such as Big Ben and the Tower of London. 

    Experience the vibrant atmosphere of a city that's packed with activities, culture and the arts. Venture outside the city and take in some of the UK's spectacular countryside. This includes breathtaking national parks, tranquil villages and picturesque lakes. 

    Travel Insurance for your trip to the United Kingdom 

    Looking for United Kingdom travel Insurance?
    Enter your travel details in the quote panel to view travel insurance for the UK.  

    Enjoy an invigorating walk in the outdoors or take a peaceful boat ride on the lakes and canals. 

    Scotland, Wales, and Northern Ireland are perfect spots for a getaway. Enjoy a relaxing and fun-filled holiday in the UK, with a variety of activities and attractions to suit all ages and interests. Whether you want an exciting city break, a countryside retreat or a visit to the coast, the UK is a beautiful and fascinating place to explore. 

    There is no better way to experience the best that the UK has to offer than by taking a holiday in the UK! 

    United Kingdom travel insurance

    Map United Kingdom Travel Insurance


    Language:   English
    Area:  241, 930 sq. km 
    Capital City:  London
    ± GMT:  +0 hours 

    United Kingdom information about

    United Kingdom Geography   
    United Kingdom Climate       
    United Kingdom Attractions  
    United Kingdom Activities    
    United Kingdom History 

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    Australian Consulate in Edinburgh, United Kingdom

    This post is headed by an Honorary Consul

    Flag United Kingdom Travel Insurance

    Chamber of Commerce
    Capital House
    2 Festival Square
    Edinburgh EH3 9SU
    Phone: +44 131 228 4771
    Fax:     +44 131 221 2998

    Australian High Commission, United Kingdom

    Head of Mission
    Australia House
    The Strand
    London WC 2B 4LA
    United Kingdom
    Telephone  +44 20 7379 4334
    Fax           +44 20 7887 5558

    Travel Insurance to United Kingdom

    Please refer to the Australian Government website Smartraveller for general information about United Kingdom from the Smartraveller website. Please read the PDS before considering travel insurance to the United Kingdom.

    Useful Links

    Worldwide Travel Insurance
    Seniors Travel Insurance
    Cruise Travel Insurance
    IEC Travel Insurance
    Backpacker Travel Insurance
    Business Travel Insurance
    Holiday Insurance
    Cancellation Cover Travel Insurance
    Snow Travel Insurance

    UK Travel Insurance

    Cover is subject to the policy terms, conditions, limitations, and exclusions set out in the current Combined Financial Services Guide and Product Disclosure Statement (PDS). Read the (PDS) prior to choosing travel insurance to the UK.