Travel alert
Before your trip, check the latest government advice for any travel alerts for your destination.
Can I buy travel insurance while already travelling?
Get covered with nib, even if you’ve already left home.
15% off travel insurance for nib Health members*
Arrived at your dream destination and realised you’ve forgotten to buy travel insurance during all the excitement of holiday planning? Or your travel insurance has expired because you’ve decided to extend your trip, and now you’re wondering if you can get travel insurance after you’ve already left. Learn what to do.
Why choose nib for your next overseas trip?
Unexpected situations can happen at any time. It could be something minor—like delayed luggage, or something major—like a natural disaster.
Purchasing travel insurance may turn out to be the last-minute decision that may keep you safe, healthy, and may save your back pocket.
Australian residents can browse our travel insurance plans¹. Each plan offers benefits^ (up to policy limits), including:
Medical evacuation and repatriation
Personal liability
Please note: If you purchase a policy while already travelling you must purchase a policy up to the date you will return to your home in Australia. We are not able to offer cover for the middle of a trip.
¹Please note, Annual Multi Trip plans are only available before starting your trip, and cannot be purchased while travelling.
^The features and benefits described are a summary of cover only. Cover is subject to the full terms, conditions, limitations, and exclusions outlined in the Product Disclosure Statement. If you have any questions, contact us.
Can you buy travel insurance while abroad?
If you’re an Australian who has already started travelling overseas and just realised that buying travel insurance is a smart move, nib may have you covered.
Keep in mind, though, that waiting periods do apply:
If you were already travelling when you bought your nib travel insurance, and the policy start date is within 72 hours of the issue of your certificate of insurance, you'll need to wait 72 hours for cover for most benefits to begin.
However, if you suffer an injury due to an accident after your trip departure date (as noted on your Certificate of Insurance) but before the 72-hour waiting period ends, cover for medical expenses and medical evacuation and repatriation begins immediately for that injury.
If you buy a policy while overseas and your policy start date is 72 hours or more after the issue date of your Certificate of Insurance, coverage for cancellation or trip interruption expenses will begin 72 hours after we issue the policy. All other benefits will start on your departure date.
Get a travel insurance quote in minutes
Consider travel insurance before you leave, or while you're already travelling.
Frequently asked questions about buying travel insurance abroad
24/7 Emergency Assistance team
If you find yourself abroad and have a medical emergency, it’s important you get in contact with the 24/7 Emergency Assistance team – that way, they can support and guide you through difficult times.
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 Product Disclosure Statement.
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.