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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.

    United States of America Climate


    Climatic conditions are so diverse in the United States we have selected an example of states and detailed their individual climatic conditions to provide a more accurate climate overview. 


    Summers throughout the state are long, warm, and humid. Winters are mild with periodic invasions of cool to occasionally cold air. Coastal areas in all sections of Florida average slightly warmer temperatures in winter and cooler ones in summer. 

    The primary factors affecting the state's climate are latitude and numerous inland lakes. Proximity to the currents of the Atlantic Ocean and the Gulf of Mexico also plays an important role.

    Florida is the thunderstorm capital of the United States. The "lightning belt" in Florida is an area from between Orlando and Tampa to south along the west coast to Fort Myers and east to Lake Okeechobee. 

    The thunderstorms generally occur during afternoons — June through September. 

    Florida is just subject to hurricane activity; the hurricane season officially runs from June 1 to November 30 each year. 

    Southern Florida is characterised by a tropical climate encompassing very warm weather year-round and a minimal temperature range between seasons. 


    The climate varies widely throughout the state. Anchorage’s summer weather is pleasant and the winters are mild. Fairbanks, the Interior, and parts of the Bush region experience Alaska’s most extreme weather conditions with average temperatures ranging from 22ºC in high summer to -28ºC in winter. 

    Generally, weather patterns ranging from Prince William Sound to Ketchikan are dominated primarily by low pressure systems creating warm, moist, Pacific Ocean air over steep mountainous shoreline stretching throughout the area causing precipitation from upslope flow, temperature inversions and other surface based frictional effects. 

    During the winter months as the polar air mass moves Southward and strengthens with the jet stream, clear skies associated with high pressure centres located in Northwestern Canada may be seen frequently. The development of arctic air masses situated within the polar airmass establish frontal boundaries along steep temperature gradients which divide these air masses. Frontal activity associated with the pressure systems also plays a major role in weather development along the interior coastal areas of the Southeast. Cold stable air during the winter will generally cause widespread uniform precipitation and low level stratiform clouds. 


    New York has a humid subtropical climate. Weather in New York is heavily influenced by two continental air masses: a warm, humid one from the southwest and a cold, dry one from the northwest.

    The winters are long and cold in the Plateau Divisions of the state. In most winter seasons, a temperature of −25 °C or lower can be expected in the northern highlands (Northern Plateau) and −15 °C or colder in the southwestern and east-central highlands (Southern Plateau).

    The summer climate is cool in the Adirondacks, Catskills, and higher elevations of the Southern Plateau. The New York City area and lower portions of the Hudson Valley have rather warm summers by comparison, with some periods of high, uncomfortable humidity. The remainder of New York State enjoys pleasantly warm summers, marred by only occasional, brief intervals of sultry conditions. Summer daytime temperatures usually range from the upper 19C to 25 to 30 °C, over much of the state. 


    South Dakota has a continental climate with four distinct seasons, ranging from very cold, dry winters to hot and semi-humid summers. During the summers, the average high temperature throughout the state is often close to 32 °C, although it generally cools down to near 15 °C at night. It is not unusual for South Dakota to have severe hot, dry spells in the summer with the temperature increase above 38 °C several times every year. Winters are cold with January high temperatures averaging below freezing and low temperatures averaging below - 12 °C in most of the state.

    Average annual rainfall in South Dakota ranges from semi-arid in the northwestern part of the state 381 mm to semi-humid around the southeast portion of the state 635 mm. 

    South Dakota summers bring frequent, sometimes severe, thunderstorms with high winds, thunder, and hail. The eastern part of the state is often considered part of Tornado Alley, and South Dakota experiences an average of 23 tornadoes per year. Winters are somewhat more stable, although severe weather in the form of blizzards and ice storms can occur during the season. 


    The climate in New Mexico is varied based on changes in topographic features.  The State’s topography consists mainly of high plateaus or mesas, with numerous mountain ranges, canyons, valleys, and normally dry arroyos.  

    New Mexico has a mild, arid, or semiarid, continental climate characterized by light precipitation totals, abundant sunshine, low relative humidities, and a relatively large annual and diurnal temperature range.  The highest mountains have climate characteristics common to the Rocky Mountains. 

    Mean annual temperatures range from 18c in the extreme southeast to 40c in high mountains and valleys of the north. Elevation is a greater factor in determining the temperature of any specific locality than latitude. 

    During the summer months, individual daytime temperatures quite often exceed 40c at elevations below 5,000 feet, but the average monthly maximum temperatures during July, the warmest month, range from slightly above 30c at the lower elevations to the upper 23c at high elevations.  Warmest days quite often occur in June before the thunderstorm season sets in, during July and August. The average range between daily high and low temperatures is from 25o to 35o F. 

    Rainfall– Average annual precipitation ranges from less than 10 inches over much of the southern desert and the Rio Grande and San Juan Valleys to more than 20 inches at higher elevations in the State. 


    California climate varies from Mediterranean to subarctic. Much of the state has a Mediterranean climate, with cool, rainy winters and dry summers. The cool California Current offshore often creates summer fog near the coast. Further inland, one encounters colder winters and hotter summers.

    Northern parts of the state average higher annual rainfall than the south. California's mountain ranges influence the climate as well: some of the rainiest parts of the state are west-facing mountain slopes. Northwestern California has a temperate climate, and the Central Valley has a Mediterranean climate but with greater temperature extremes than the coast. The high mountains, including the Sierra Nevada, have a mountain climate with snow in winter and mild to moderate heat in summer.

    The east side of California's mountains has a drier rain shadow. The low deserts east of the southern California mountains experience hot summers and nearly frostless mild winters; the higher elevation deserts of eastern California see hot summers and cold winters. 

    On the coast, average yearly temperatures range between the low 4.4°C and in the high 21.1°C and 26.7°C. Farther inland, summers are hot and dry, and at higher altitudes the weather is more typical of a four-seasons cycle with cold, snowy winters. 


    The temperature ranges for Hawaii are

    April- November: 75˚-88˚ F. 

    December- March: 68˚-80˚ F.

    Average water temperature: 74˚ F.

    The climate of Hawaiʻi is typical for a tropical area, although temperatures and humidity tend to be a bit less extreme due to the constant trade winds blowing from the east. Hawaii has only two seasons: summer from May to October, and winter from October to April. Local climates vary considerably on each island, grossly divisible into windward. 


    Although no state is entirely free of tornadoes, they are most frequent in the plains between the Rocky and Appalachian Mountains. The state where strong twisters most commonly occur is Oklahoma. 

    Florida has the highest density of tornado occurrence in the country. Nearly all of Florida's tornadoes are weak, short-lived. Oklahoma has the highest occurrence of such "classic" super cellular tornadoes. The most common definition of Tornado Alley is from northern Texas, northward through western Oklahoma and Kansas, and eastern Colorado and through Nebraska into south-eastern South Dakota, southern Minnesota, and western Iowa. 

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    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.