Travel alert
Before your trip, check the latest government advice for any travel alerts for your destination, as this may affect policy coverage.
Am I covered if I need to cancel or reschedule my trip?
If an unexpected event causes you to cancel or re-arrange your trip, your policy may cover cancellation or rescheduling fees for certain insured events.
What’s covered?
If your trip is cancelled due to an insured event, cancellation expenses may pay for the value of unused, non-refundable expenses that you’ve already paid for your travel arrangements, including activities, tours and accommodation.
What is an Insured Event?
We cover a number insured events for cancellation, including:
Death, sudden serious illness or serious injury to you, a member of your travelling party or a close relative.
Severe weather, natural disaster, riot, strike, civil insurrection, or hijacking.
If your passport, travel documents or credit cards are stolen, accidentally lost or damaged.
If a member of your travelling party is summoned to jury duty or to give evidence in a court of law.
You have been involved in, or your travel arrangements have been cancelled or delayed by, a motor vehicle, railway, air or marine accident.
How much am I covered for?
The most we will pay for all people on your policy combined, per trip, is specified in the Cancellation - chosen limit benefit, shown on your Certificate Of Insurance.
When am I covered?
You are covered for cancellation from when we issue your Certificate Of Insurance.
Cover for cancellation ends when you return to your home in Australia, or when the period of insurance ends, whichever happens first.
What do I do if I need to cancel or reschedule my travel?
Before you cancel or change your travel plans, you must contact your travel providers to try to minimise your expenses and request any refunds or rescheduling assistance.
When making a claim you’ll need to provide;
Written evidence that the reason that the cancellation or rescheduling was unexpected and occurred after you bought your policy, and after you booked or paid for any travel arrangements.
Written evidence of your cancellation or rescheduling fees to support your claim.
To support any claim be sure to:
Keep copies of all receipts, itineraries, documentation relating to cancellations
Keep copies of treating doctor’s reports, hospital reports and any other relevant reports for claims relating to injury, illness or death.
What’s not covered
There are some things we won’t cover in the event of cancellation, including, but not limited to:
We will not pay for any non-refundable costs for anyone not named on your policy.
We will not pay more than the cancellation limit amount that you selected which appears on your Certificate Of Insurance.
We will not pay more than the limit outlined in the Schedule of Benefits for Agent’s cancellation fees.
We will not pay for any pre-paid snow sports arrangements unless you have purchased the Snow sports cover option and this option is shown on your Certificate Of Insurance.
You decline a reasonable alternative service or compensation offered by a carrier or other travel service provider.
Cover is subject to the full terms, conditions, limitations and exclusions outlined in the PDS. Read your policy carefully and contact us if you have any queries.
nib Travel Insurance Distribution Pty Limited, ABN 40 129 262 175, AR 336467 is an authorised representative of nib Travel Services (Australia) Pty Ltd (nib), ABN 81 115 932 173, AFSL 308461 and act as nib's agent and not as your agent. This is general advice only. Before you buy, you should consider your needs, the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and Target Market Determination (TMD) available from us. This insurance is underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193.
We are a signatory to the General Insurance Code of Practice developed by the Insurance Council of Australia and enforced by the Code Governance Committee, an independent body whose purpose is to drive better Code compliance and help the insurance industry improve its service to consumers. The Code is designed to promote good relations and insurance practice between insurers, authorised representatives and consumers. The Code sets out what we must do when dealing with you. You can obtain a copy of the Code from codeofpractice.com.au.
*The discount applies to the total nib travel insurance premium and is for customers that currently hold an Australian health insurance product, or an Overseas Student Health Cover product with nib. The discount is not available to customers who hold an Overseas Visitors Health Cover product. Discounts do not apply to the rate of GST and stamp duty or any changes you make to the policy. nib has the discretion to withdraw or amend this discount offer at any time. This discount cannot be used in conjunction with any other promotional offer or discount.