Travel alert
Before your trip, check the latest government advice for any travel alerts for your destination.
Compare our Comprehensive and Essential travel insurance plans
Consider nib travel insurance for your upcoming holiday, and compare our plans today.
15% off travel insurance for nib Health members*
Whether you’re planning to wander the streets of Europe or the beaches of Thailand, our travel insurance plans for overseas trips may help you prepare for those unexpected events.
What do our Comprehensive and Essentials plan cover?
Whether you're looking for essential coverage or seeking a comprehensive policy for your international trips, we've got two options to suit every type of journey, these are:
The Essentials Plan: Includes a range of benefits such as overseas medical expenses, coverage for your belongings, cancellation or holiday deferment costs, and rental vehicle expenses.
The Comprehensive Plan: Has all the benefits of the Essentials Plan and a few more (such as Coronavirus Travel Costs), typically offers higher levels of coverage, and is more expensive to buy.
Already left home and need travel insurance? With nib you can get cover even when already travelling. Please note that waiting periods may apply.
Which travel insurance plan is best suited for my travel needs?
Every travel tale is unique, and so is the travel insurance protection it may need. We can’t (and would never) tell you which travel insurance plan you should choose, but here are a few specifics you may want to consider when weighing up the Essentials and Comprehensive plans:
Destination: Where are you going? While every destination is unique and remarkable, they also come with their own unique risks.
Activities: Consider the sights and experiences you're planning – for example, does your plan involve snow sports? If yes, you may want to consider purchasing snow sports optional cover, which is only available on the Comprehensive Plan.
Budget: How much coverage do you need for trip expenses, accommodation, or lost, stolen or delayed luggage, if the unforeseen happens?
Personal circumstances: Do you require coverage for emergency travel expenses for your dependents, friends, or relatives?
How much coverage you’ll need: Think about how much coverage you'll need for those 'just in case' moments, like rental vehicle excess.
Choose your travel insurance plan wisely – once your journey begins, switching your cover from Essentials to Comprehensive isn’t an option.
What’s the difference between the Comprehensive and Essentials plan?
Our Essentials Plan covers the basics, our Comprehensive Plan expands on that coverage. In some cases, we also have specialised add-ons that you can purchase for those quirky particulars you may need more coverage for (such as expensive personal items).
Here’s a quick rundown of what you can expect from our plans:
Overseas emergency medical cover: If you’re injured while travelling outside of Australia, both our Comprehensive and Essentials plans may cover any medical, hospital, and ambulance costs you incur. Also, if, unfortunately, you’re hospitalised with a sudden, life-threatening injury or illness during your trip, we may cover the cost of a friend or relative to travel and be by your bedside.
Luggage and personal effects: Packing light? Our Essentials Plan offers coverage of up to $5,000 (with an individual item limit of $500). But if you’re packing the laptop or camera, you may want to consider the Comprehensive Plan, which offers coverage for up to $12,000 (with an individual item limit of $700). The Comprehensive Plan also offers additional cover for electronics (up to $4,000 per item – subject to terms and conditions).
Coronavirus travel costs: while our Essentials Plan doesn’t offer coverage for travel costs associated with Coronavirus, our Comprehensive Plan does. If you or a member of your travelling party are diagnosed with Coronavirus, resulting in trip interruptions (or cancellations), you may be covered for reimbursement of any non-refundable, pre-paid travel costs.
Always check your policy for the full terms, conditions, limitations, and exclusions.
What's not covered
Travel insurance is not designed to cover everything, which is why it’s important to do your research before you buy. Here are some specifics that aren’t covered under our International Travel Insurance policies:
If your holiday is cancelled and you need to make a claim for non-refundable costs, and flight cancellations, we won’t cover any expenses relating to persons not listed on your policy. So ensure you’ve listed loved ones on your insurance policy before setting off on your journey.
We won’t reimburse you for medical expenses incurred outside of Australia if your intention of travelling is to receive medical treatment.
You won’t be covered for stolen personal items if they weren’t stored in a safe manner e.g. leaving your camera in plain sight, or in an unlocked motor vehicle.
We automatically cover more than 40 existing medical conditions, but we typically won’t cover other existing medical conditions. Have an existing medical condition and not sure if it’ll be covered? Call us.
Travel Insurance FAQs
Need to know more?
If you still have questions we’re here to help. Contact us.
In case of a medical emergency, the 24/7 Emergency Assistance Team are always on hand to help.
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.