Get answers to some of our traveller's frequently asked questions. If you can't find what you're looking for, read the PDS or you can always contact us.
Yes, we can offer automatic cover for more than 40 existing medical conditions, provided that you satisfy the criteria for that condition. If your condition is not automatically covered, you can apply for cover before or at the time you buy your policy. In many cases, we expect we'll be able to offer you cover for your existing medical condition for an additional premium. T&Cs apply.
Yes, you can purchase a policy after leaving your home in Australia, however there is a 72-hour waiting period for all policies purchased while travelling. If you purchase while you're travelling, you must purchase cover up to the date you will return to your home in Australia – we can't cover you for the middle of a trip.
Need to make a claim? To submit a claim online simply follow these instructions:
Upload your supporting documents to the digital claim form
Submit your claim and our team will be in contact.
We may request evidence supporting your claim such as clinical notes or a written medical report or summary from your treating doctor or dentist overseas which clearly explains the medical condition, the diagnosis provided, medical tests requested, and treatment given.
We may also require a medical certificate from your local GP, specialist or dentist. Try to obtain as much documentation as possible at the time of the event, as it can be difficult to obtain some documents once you return to Australia.
As an nib customer the first thing to be aware of is that a travel delay must be at least six hours to meet the criteria for all nib policies. If you know you’ll be stuck at the airport for more than six hours you should contact the airline carrier or tour operator in the first instance to seek a refund, credit, or some form of financial compensation or arrangement specific to your needs.
If you've already tried logging into the app or your member account and haven't been able to use complete the digital claim form, contact us for help.
nib travel insurance may cover you if you need emergency medical evacuation or repatriation while overseas due to illness or injury, with approval from us. Coverage may include:
Transport and accommodation to return home or a suitable medical facility
Return you to your home in Australia with a medical attendant; or
Pay for a return economy class airfare, reasonable accommodation and additional expenses for a friend or relative to fly to, remain with and escort you in place of a medical attendant
Transport of remains to Australia in the event of death.
Important: Coverage only applies if evacuation/repatriation is medically necessary and approved by us. Our policies do not cover existing medical conditions except automatically covered conditions or as specified medical conditions for the relevant additional premium, and our policies do not cover medical expenses in Australia.
Tips in the event of a travel insurance claim
Always get our approval before evacuation.
Keep medical documentation ready. For example, original medical receipts, treating doctors report, hospital admission and discharge reports where relevant.
The Australian government has Reciprocal Health Care Agreements with New Zealand, the United Kingdom, Ireland, Sweden, the Netherlands, Finland, Italy, Belgium, Malta, Slovenia and Norway.
These agreements mean: Australian residents can get help with the cost of essential medical treatment when visiting these countries.
The RHCA is only available when getting medical attention for public health services, any private hospital services will not be covered by the RHCA.
Important: RHCAs are not a substitute for international travel insurance. You should consider travel insurance that may cover medical services not covered by the RHCA.
The above features and benefits are a summary of cover only. 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.
Children travelling with you on the same itinerary may be covered under your travel insurance policy, provided they meet the definition of child in the Product Disclosure Statement (PDS), and are listed on your Certificate of Insurance. They must be:
Under 25 years old
Working less than 30 hours per week
You must be their parent, grandparent, or legal guardian, and they must be travelling with you on the same itinerary for the entire duration of your trip.
Children will need their own policy if:
They travel alone or not on the same itinerary
They are 25 or older
They work more than 30 hours per week
You are not their legal guardian
Tip: Always check the PDS for full coverage details and definitions.
Contact our Customer Service team for information on travel insurance for children and families.
What does the term ‘Child’ mean?
We define child as ‘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.
Important: A policy premium is charged for each adult traveller; accompanying children are insured for no additional premium. A nib travel insurance policy only covers the adult travellers and any accompanying children named on the Certificate of Insurance.
The above features and benefits are a summary of cover only. 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.
This is a summary of cover only and does not include the full terms, conditions, limitations and exclusions as outlined in the Product Disclosure Statement.
Find more answers to frequently asked questions about travel insurance in our help centre.
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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.
Our Emergency Assistance service operates 24/7. The team consists of experienced case managers and registered medical professionals to help you round the clock.
If the unexpected happens and you need to make a claim, our easy claims process means you can do it online anywhere, anytime. And we'll work to assess it as quickly as possible.
