Domestic Travel

Important Information: Coronavirus (COVID-19) continues to impact many travellers around the world. Before you quote and buy, read the travel advice and check for restrictions at your destination(s) as these may impact cover, or your ability to travel. See nib travel insurance alerts for more information.

Please read the nib Domestic Product Disclosure Statement (PDF PDS) and consider if this product is right for you.

Domestic Travel Plans

When you take out this policy you must choose from the following plans:

  • Australian Travel
  • Cancellation and Additional Expenses

Your Certificate of Insurance will show the plan you’ve chosen.

Australian Travel Plan

Schedule of benefits

This Schedule of benefits forms part of your policy and shows the limits and sub-limits for the benefits. Applicable limits are applied per adult traveller and are not increased for accompanying childrenYou must read this Schedule of benefits together with your Certificate of Insurance and this Product Disclosure Statement.

Benefit Applicable limits per adult
Cancellation and additional expenses
Cancellation or holiday deferment costs Chosen limit +
Agent’s cancellation fees – sub-limit $2,000
Emergency travel arrangements and accommodation expenses $10,000
Meals – sub-limit $500;
limit $75 per 24hrs
Emergency internet/telephone – sub-limit $250
Medical evacuation and repatriation $50,000
Extra travel cover
Travel delay $500;
limit $250 per 24 hours
Missed connection – special events $2,000
Missed connection – flight delay within Australia $2,000
Emergency accommodation due to terrorism $3,000;
limit $300 per day
Emergency expenses to avoid disaster $1,000
Early Return Home $2,000
Rental vehicle expenses
Rental vehicle insurance excess $5,000 +
Return of rental vehicle $750
Luggage
Luggage and personal effects maximum limit $4,000
Personal computer, camera, video individual item limit $1,000
Smartphone individual item limit $1,000
Other individual item limit $500
Emergency luggage $500
Hiring replacement golf and surf equipment $200
Fraudulent use of credit or debit cards $3,000
Accidental death $10,000
Accompanying children – sub-limit $1000 per child
Personal liability $300,000
Coronavirus travel costs $2,500

+ This is a limit per policy; it is the most we’ll pay for all people on your Certificate of Insurance combined, per trip.

Please read the full nib Domestic Product Disclosure Statement (PDF PDS) for exclusions, limits and what will and what won’t be covered.

Guidelines
  • This plan is only available to residents of Australia.
  • This plan ends once you have returned to your home in Australia or the return date on your Certificate of Insurance, whichever happens first.
  • If you have a high risk medical condition or require cover for an existing medical condition other than those automatically covered, please contact us to complete a medical screening assessment, which must be completed before the Certificate of Insurance can be issued.
  • There is no cover for cruises in Australian Waters under this plan.
  • There is no provision to suspend this plan during the period of insurance.
  • This plan cannot be purchased more than 12 months prior to travel.
  • A policy premium is charged for each adult traveller; accompanying children are insured for no additional premium.
  • Any options selected by you are in addition to this plan and are referenced in your Certificate of Insurance.
  • There is no age limit on this plan. However, we may ask you some questions about your health and lifestyle at the time you buy your policy and then determine whether we will offer you cover and on what terms.

Please read the nib Domestic Product Disclosure Statement (PDF PDS) and consider if this product is right for you.

Cancellation and Additional Expenses Plan

Schedule of benefits

This Schedule of benefits forms part of your policy. This plan will cover you for travel within Australia for the non-refundable part of your pre-paid travel arrangements or additional travel, meals and accommodation. Applicable limits are applied per adult and are not increased for accompanying children. There is no cover under this policy for claims relating to an existing medical condition (other than those automatically covered), luggage or for any trip greater than 12 months in duration.

You must read this Schedule of benefits together with your Certificate of Insurance and this Product Disclosure Statement.

Benefit Applicable limits per adult
Cancellation and additional expenses
Cancellation or holiday deferment costs Chosen limit +
Agent’s cancellation fees – sub-limit Chosen limit +
Emergency travel arrangements and accommodation expenses $2,000
Meals – sub-limit $500;
limit $75 per 24hrs
Emergency internet/telephone – sub-limit $250
Extra travel cover
Emergency expenses to avoid disaster $500
Early return home $2,000

+ This is a limit per policy; it is the most we’ll pay for all people on your Certificate of Insurance combined, per trip.

Please read the full nib Domestic Product Disclosure Statement (PDF PDS) for exclusions, limits and what will and what won’t be covered.

Guidelines
  • This plan is only available to residents of Australia.
  • This cover ends once you have returned to your home or the return date on your Certificate of Insurance (whichever is the earlier).
  • There is no provision to suspend this plan during the period of insurance.
  • This plan cannot be purchased more than 12 months prior to travel.
  • A policy premium is charged for each adult traveller. Accompanying children are insured for no additional premium.
  • Any options selected by you are in addition to this plan and are referenced in your Certificate of Insurance.
  • There is no age limit on this plan. However, we may ask you some questions about your health and lifestyle at the time you buy your policy and then determine whether we will offer you cover and on what terms.