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Travel alert

Before your trip, check the latest government advice for any travel alerts for your destination, as this may affect policy coverage.

What is travel insurance and why should I consider it?

nib travel insurance may help protect you from unexpected costs before or during your trip, like medical emergencies, cancellations, or lost luggage. What’s covered depends on your plan and policy limits.

At nib, we’re here to help you understand your cover so you can make the best possible decision before you begin your next big adventure.

What does nib travel insurance cover?

With nib, you have access to International, and Annual Multi Trip insurance plans offering varying levels of cover. Some of the key benefits include:

Cover depends on the policy terms and conditions, limits, and exclusions, so check the Product Disclosure Statement (PDS)details before you travel.

Get a travel insurance quote in minutes

Protect yourself with travel insurance before you leave or while you're already on the move. Get a quote online now.

How does the cost of travel insurance work?

The price you pay is called your premium. It includes:

You’ll see the final price on your Certificate of Insurance.

What affects the price of your policy?

Your premium is based on your trip and the cover you choose.

Your travel plans

About you

Your cover

More cover or higher-risk trips usually mean a higher premium.

Why checking your policy matters

Travel insurance only works if you understand what’s included.

Here are 5 key things to check:

1. Your PDS (Product Disclosure Statement)

This explains:

Traveller tip: Use search (Ctrl/Cmd + F) to quickly find terms like “motor cycle” or “medical”.

2. Your Certificate of Insurance

This is your personal summary:

3. Key conditions

Some claims depend on meeting specific rules.

For example:

4. Accessing your policy

You can:

5. Ask before you travel

If you’re unsure, ask. This way you'll know what's covered, what's not covered, and what the policy limits are.

For example: “Am I covered if I ride a scooter in Bali?”

It’s always better to check early.

Quick checklist before you go

Before your trip, take a minute to confirm:

Cover is subject to the full terms, conditions, limitations and exclusions outlined in the PDS. Read your policy carefully and contact Customer Support 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.

What is travel insurance and why should I consider it? | nib