Before your trip, check the latest government advice for any travel alerts for your destination.
What if I've already started travelling and want to make a side trip to a country I didn't list?
I've purchased my policy, but now want to add more countries. What do I do?
The easiest way to make sure you’re covered for the countries you’re planning on travelling to, is to select them all when you purchase your travel insurance with us. But if you’ve already started travelling and are considering a side trip to a country other than those you specified, there’s a few things you should know.
While nib insurance provides travel insurance coverage for travel to more than 130 countries worldwide, there’s still many we can’t or won’t provide cover for.
We exclude cover for travel to sanctioned countries or those with a Do Not Travel advisory against them by the Australian Government. That means if you select a region when purchasing your policy, you’re only covered for those countries in that region we provide cover to. If you select individual countries when you purchase your policy, as opposed to a region, we may be able to advise if we are not able to offer cover in that country.
If you’re not sure whether your destination can be covered, contact us.
The best thing to do if your plans change is to contact us to check if you’re covered under your current policy. You may still be covered to travel to that missing country if it’s in the same region of cover on your policy.
It’s not possible to add other countries or regions to your policy after you buy it. However, we recommend contacting us to check if you might be covered for other countries in the same region.
If you’re visiting country that is outside your declared regions and after contacting us, we are not able to confirm that you are covered for that country, then you may be able to purchase another separate policy for the extra destination(s), for the specific time period you will be travelling.
If you’re still within the 21-day cooling off period and you haven’t already left Australia, you can cancel for a full refund and re-purchase your policy with the new countries added.
If you’re outside the 21-day cooling off period, or have already left Australia, contact us.
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.