International 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 International Product Disclosure Statement (PDF PDS) and consider if this product is right for you.

International Plans

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

  • Comprehensive
  • Essentials
  • Annual Multi Trip

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

Comprehensive 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 children. 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 +
Agents cancellation fees sub-limit $2,000
Emergency travel arrangements and accommodation expenses Unlimited
Meals sub-limit $500;
limit $75 per 24hrs
Emergency internet/telephone sub-limit $250
Post hospital accommodation $500;

limit $100 per day

Medical Expenses
Overseas medical expenses Unlimited^
Critical illness or injury – emergency travel expenses for a friend or relative sublimit $20,000
Hospital compensation $8,000;
limit of $50 per 24hrs
Dental expenses due to sudden and acute pain $1,000
Medical evacuation and repatriation Unlimited
Home services sub-limit $500
Extra travel cover
Travel delay $2,000;

limit $250 per 24hrs

Missed connection – special events $2,000
Resumption of trip $3,000
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 $12,000
Personal computer, camera, video individual item limit $4,000
Smartphones $1,000
Other individual item limit $700
Emergency luggage $500
Stolen cash $250
Hiring replacement golf and surf equipment $200
Replacement passports and travel documents $3,000
Fraudulent use of credit or debit cards $3,000
Personal accident
Accidental death $25,000
Accompanying children sub-limit $1,000 per child
Funeral expenses overseas $25,000
Total permanent disability $12,500
Loss of income $10,000;

limit of $1,667 per month

Personal liability $2,500,000
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.

^ For up to 12 months after the illness first appears or injury first occurs.

Please read the full nib International 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 period of insurance ends, 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 provision to suspend this plan during the period of insurance.
  • This plan cannot be purchased more than 18 months prior to travel.
  • A policy premium is charged for each adult traveller; accompanying children are insured for no additional premium.
  • 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.
  • Any options selected by you are in addition to this plan and are referenced in your Certificate of Insurance.

Essentials 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.

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

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 $15,000
Meals sub-limit $500;

limit $75 per 24 hrs

Emergency internet/telephone sub-limit $250
Medical expenses
Overseas medical expenses Unlimited^
Critical illness or injury – emergency travel expenses for a friend or relative sublimit Not insured
Hospital compensation $5,000;

limit of $50 for every 24 hours

Dental expenses due to sudden and acute pain $1,000
Medical evacuation and repatriation $500,000
Home services sub-limit Not insured
Extra travel cover
Travel delay $1,000;

limit $250 per 24 hrs

Missed connection – special events Not insured
Resumption of trip Not insured
Emergency accommodation due to terrorism Not insured
Emergency expenses to avoid disaster $1,000
Early return home $2,000
Rental vehicle expenses
Rental vehicle insurance excess $2,000 +
Return of rental vehicle $750
Luggage
Luggage and personal effects maximum limit $5,000
Individual item limit $500
Emergency luggage $200
Stolen cash Not insured
Hiring replacement golf and surf equipment Not insured
Replacement passports and travel documents $1,000
Fraudulent use of credit or debit cards Not insured
Personal accident
Accidental death $10,000
Accompanying children sub-limit $1,000 per child
Funeral expenses overseas $15,000
Total permanent disability Not insured
Loss of income Not insured
Personal liability $1,000,000
Coronavirus travel costs Not insured

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

^ For up to 12 months after the illness first appears or injury first occurs.

Please read the full nib International 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 up to 69 years of age at the time the Certificate of Insurance Is issued.
  • This plan ends once you have returned to your home in Australia or the period of insurance ends, whichever happens first.
  • This plan does not cover existing medical conditions unless it is one that is automatically covered. If you require cover for any other existing medical condition, please ask our representative or us about other travel insurance products which may be available.
  • This plan does not provide cover for any snow sports.
  • 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.

Annual Multi Trip 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.

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

Benefit Applicable limits per adult
Cancellation and additional expenses
Cancellation or holiday deferment costs Chosen limit +
Agents cancellation fees sub-limit $2,000
Emergency travel arrangements and accommodation expenses Unlimited
Meals sub-limit $500;
limit $75 per 24hrs
Emergency internet/telephone sub-limit $250
Post hospital accommodation $500;

limit $100 per day

Medical expenses
Overseas medical expenses Unlimited^
Critical illness or injury – emergency travel expenses for a friend or relative sublimit $20,000
Hospital compensation $8,000;
limit of $50 per 24hrs
Dental expenses due to sudden and acute pain $1,000
Medical evacuation and repatriation Unlimited
Home services sub-limit $500
Extra travel cover
Travel delay $2,000;
limit $250 per 24hrs
Missed connection – special events $2,000
Resumption of trip $3,000
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 $12,000
Personal computer, camera, video individual item limit $4,000
Smartphone individual item limit $1,000
Other individual item limit $700
Emergency luggage $500
Stolen cash $250
Hiring replacement golf and surf equipment $200
Replacement passports and travel documents $3,000
Fraudulent use of credit or debit cards $3,000
Personal accident
Accidental death $25,000
Accompanying children sub-limit $1,000 per child
Funeral expenses overseas $25,000
Total permanent disability $12,500
Loss of income $10,000;
limit of $1,667 per month
Personal liability $2,500,000
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.

^ For up to 12 months after the illness first appears or injury first occurs.

Please read the full nib International 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.
  • There is no cover under this plan when you are between trips, other than any benefits you may be entitled to under the “Cancellation or holiday deferment costs” and events 1-4 under “Coronavirus travel costs”.
  • 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 provision to suspend this plan during the period of insurance.
  • This plan cannot be purchased more than 6 months prior to the nominated commencement date.
  • This plan provides cover for any trip overseas or within Australia a minimum of 200km from your home.
  • Named adults can travel independently to any other named adult on your plan. Children are only covered whilst accompanying an adult named on your Certificate of Insurance.
  • There is no limit to the number of trips you may take during your 12 month period of insurance.
  • The maximum duration of any one trip is 45 days. For any trips longer than this duration please refer to the section headed “Extensions” and contact our representative.
  • A policy premium is charged for each adult traveller; accompanying children are insured for no additional premium.
  • 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.
  • Any options selected by you are in addition to this plan and are referenced in your Certificate of Insurance.

Plan selection

You must select a region based on the country(ies) you will be travelling to:

  • Worldwide: or
  • Worldwide excluding USA and Nepal.

Policy expiration

  • This policy will expire 12 months from the nominated “Departure date” on your Certificate of Insurance and it is not a renewable contract. If it is possible that your policy may expire during your trip you should reapply for a new policy by contacting our representative to obtain a new PDS. If you wish to re-apply you should complete a new application and, if required, contact us to complete a medical screening assessment.
  • If you have continuous cover, the maximum allowable trip duration will start again at the “Departure date” nominated on the new Certificate of Insurance.

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