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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.

    $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 - Activities


    Germany is the ideal for your activity packed holiday. With its idyllic rivers and lakes, diverse landscapes from sandy coastlines to breathtaking mountain ranges, the possibilities are endless for the sports enthusiast or those who simply wish to relax in the great outdoors. 


    Explore the past at Berlin's Pergamon Museum, with its antiquities, Near East and Islamic Art collections. Situated on the capital's central Museum Island, it is surrounded by numerous other fine museums and galleries. 

    Charlottenburg Palace

    See how the other half lived at baroque Charlottenburg Palace, on the east side of Berlin. The biggest surviving palace in the capital, it was built for Sophie Charlotte, wife of Prussia's King Friedrich I, in the late 1660s. 


    Venture into the Harz Mountains, Black Forest (Schwarzwald) and the Bavarian Alps - some of the country's best areas for walking, skiing and other winter sports. The network of marked walking trails amounts to some 132,000km. 


    If in Germany in the weeks before Christmas, browse the Christmas markets (Weichnachtsmarkt) which are staged in almost every town and city of every size. Warming glühwein and apple fritters are a must on a cold winter's day. 


    Enjoy spectacular riverside firework displays on a dinner cruise during the ‘Rhein in Flammen' (Rhine in Flames). You will find festivals that take place throughout the summer at various points along the river. 

    Wagner Opera Festival

    If you able to get tickets (waiting lists are long), head for northeastern Bavaria and Bayreuth, to witness the famous Wagner Opera Festival. Which takes place every year from late July to August.

    Baked Fish Festival

    In late August each year, celebrate the traditional Baked Fish Festival (Backfischfest) at Worms, the biggest wine and food festival on the banks of the Rhine. It is dedicated to the Fishermens' Guild, Germany's oldest such organisation. 

    Steam Train

    Ride on a historic narrow-gauge steam train. Germany has several preserved railways, notably in Saxony, the Harz Mountains, and on the coast of Mecklenburg-Lower Pomerania. 

    Theme Park

    Take the kids to Europa-Park, Germany's biggest theme park, at Rust, near Freiburg in the southwest. For the brave it features Europe's highest rollercoaster. 

    Day Spa

    Be pampered. Germany has over 300 spas and health resorts that offer a wide range of traditional and modern treatments. The most famous spa town is Baden-Baden, in the southwest. 

    Soccer (International Football)

    Take in a football (soccer) match. Germany's top teams include Bayern Munich, Hamburg, Bayer Leverkusen, Hertha Berlin, Schalke 04 and Werder Bremen. Many stadiums are new, built for the 2006 World Cup tournament staged in Germany. 

    Car Companies

    Pay homage to Germany's famous car makers at the new Mercedes Benz World in Stuttgart, BMW Welt in Munich, Volkswagen's Autostadt in Wolfsburg, and its spectacular Glass Factory in Dresden.


    Visit some of the many vineyards on the banks of the Rhine, Neckar, and Moselle rivers, following one of the numerous specially designated Wine Roads (Weinstrassen) in the region.


    Germany is one of the great brewing nations. Indulge in some of its finest beers during Munich's two-week Oktoberfest, which takes place from late September and attracts 6 million visitors to the Bavarian capital each year.

    Scenic Drive

    Drive down the Romantic Road, which connects the northern area of Bavaria with the south and is the most famous of all the German scenic roads. The towns along the way give visitors an excellent insight into the region's history, art and culture. 

    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.