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 children. You 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 children. You 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.