Which policy?

What travel insurance plans are available?

For information relating to policies purchased prior to 7 December 2017, including the definition of "pre-existing medical conditions" please check the PDS provided with your purchase. You can contact us if you need this sent to you again.

For policies purchased from 7 December 2017, please continue reading.

We have a few options for you to consider when buying a policy. You need to think about where you are going and for how long. You will also need to consider any existing medical conditions as they may affect the amount of cover we can provide you.

International travel

The Works policy is available to people under 81 years of age taking a single trip overseas. The Basics policy is available to people under 76 years of age taking a single trip overseas.

You can purchase these policies, including while you are already overseas, provided you meet our definition of "resident" (see page 49 of the PDS). You can also extend this policy while you are away, provided you still meet the age limit of the selected plan, there hasn't been any change in your health status or personal circumstances since the start of your policy and you have not nor intend to make a claim.

We offer cover for a number of existing medical conditions. To see if you qualify for coverage under the existing Medical Conditions section, please see pages 28-33 of the PDS.

Refer to the section Your Policy Benefits on pages 5-7 of the PDS for a summary of the benefits and limits and exclusions that apply.

Domestic travel

If you are travelling around Australia, you can purchase the Domestic policy which is available to travellers under 81 years of age. Please note that we are not able to provide medical coverage in Australia under the Private Health Insurance Act 2007.

When you take the Domestic plan, you can be covered for Cancellation Costs and Additional Expenses/Medical Evacuation for the 43 automatically covered existing medical conditions, provided you meet the requirements under the Existing Medical Conditions section on pages 28-33 of the PDS. However, as there is no medical coverage within Australia, you would not be covered for hospitalisation or other medical treatment for any medical conditions.

You can also extend this policy while you are away, provided you still meet the age limit of the selected plan, there hasn't been any change in your health status or personal circumstances since the start of your policy and you have not nor intend to make a claim.

Refer to the section Your Policy Benefits on pages 5-7 of the PDS for a summary of the benefits and limits and exclusions that apply.

Annual Multi Trip

If you travel regularly over a 12 month period you can purchase an Annual Multi Trip (AMT) policy. This policy is available to travellers under 76 years of age. Cover includes domestic and international travel for leisure and business. Each leisure trip is covered up to 38 days and up to 90 days for business.

The AMT policy has two options: Single - if you mostly travel on your own or with your dependent children; or Family - if you have a partner who regularly travels, either with you or on their own, and any dependent children. Dependent children cannot travel on their own on an AMT policy.

This policy can only be purchased within 30 days before the start of your period of insurance (start date). Refer to the section Your Policy Benefits on pages 5-7 of the PDS for a summary of the benefits and limits and exclusions that apply.

You will be covered for the 43 automatically covered existing medical conditions while on the AMT policy, provided you meet all requirements noted in the PDS. If you don't meet the requirements, you can purchase the policy, but it will exclude cover for claims arising from or relating to your existing medical conditions, or contact nib Travel Insurance for a medical screening and quote on 1300 410 272.

Options

Keep in mind these options, which you can only purchase for an additional premium at the time you buy your policy:

  • changing your policy excess amount;
  • adding the Snow Sports and Activities option;
  • listing valuable items;
  • additional Rental Vehicle Insurance Excess option;
  • make a micro-donation.

For all plans, the full terms, conditions, limitations and exclusions are available in the PDS.

Last updated: 7 December 2017

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