Travel Insurance for Overseas Dental Emergencies

Dental emergency overseas? We’ve got your back and your teeth!

No one plans for a toothache on holiday, but when it hits, it can stop your trip in its tracks. That’s where nib travel insurance for dental emergencies may help.

With our international travel insurance plans, we may cover urgent dental treatment overseas to relieve sudden and acute pain, so you can get back to enjoying your trip sooner.

What to do if you have a dental emergency overseas

If you’re enjoying your trip and you suddenly crack a tooth and pain hits while you’re travelling, just follow these simple steps:

• Contact the 24/7 emergency assistance team

• See a dentist as soon as possible

• Ask for a written report and itemised receipt

• Submit a claim when you’re ready

What’s not covered

Travel insurance for dental emergencies is designed for the unexpected, not routine care. So, we won’t cover:

❌ Ongoing dental issues like gingivitis or general wear and tear

❌ Routine or preventative treatments (cleaning, scaling, check-ups)

❌ Cosmetic procedures like whitening or veneers

❌ Major dental work such as crowns, implants or bridges

❌ Any dental treatment or expenses in Australia

❌ Costs already claimed under another part of your policy

Why travellers choose nib travel insurance

✔ Cover for some unexpected dental emergencies overseas

✔ Simple claims process when you need it most

✔ A selection of travel insurance plans that may suit your trip

✔ 24/7 Emergency Assistance support while you’re travelling

6 travel tips for dental emergencies

1. Get a dental check before you travel: Fix small issues early so they don’t become painful emergencies overseas.

2. Pack a basic dental kit: Include pain relief, temporary filling kits, and floss.

3. Save your travel insurance policy details on your phone: You’ll need quick access if something goes wrong.

4. Contact us before major treatment: We can guide you to appropriate care and next steps.

5. Keep all receipts and reports: Keep copies of any original documents and receipts, you’ll need these to make a claim.

6. Know your cover limits: Emergency dental cover is often capped. Benefit limits apply, so check your PDS for details.

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.