NIB Travel Insurance Discounts and Deals December 2016

Save on travel insurance with NIB Travel Insurance discounts and promo codes

NIB has been a trusted name in the health insurance industry for years. Now, its members can enjoy cover while they’re abroad.

Save on your NIB Travel Insurance with the promo codes and other member discounts on the page below.

NIB discount codes and coupons

NIB Health Insurance members can get 10% off their travel insurance

Exclusive

Columbus Direct Exclusive Offer - 10% Off All Policies

Receive a 10% discount on your Columbus Direct policy when you apply through finder.com.au. Simply follow the secure link for your 10% discount to be applied.

10% Off American Express Travel Insurance

10% off all new American Express Travel Insurance policies purchased online until the 22nd of December 2016.

10% Off Woolworths Comprehensive Travel Insurance

Get 10% off Woolworths Comprehensive travel insurance policies and a FREE Woolworths Prepaid Visa Gift Card and Global Roaming Sim Card

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Exclusive

YouGo Travel Insurance Coupon Code - Save 10% On Your Cover

Get 10% off your YouGo travel insurance cover with this exclusive coupon code. Offer available for a limited time only!

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Exclusive

Go Insurance Exclusive Deal - 10% Off Coupon Code

Apply this coupon code at the checkout when purchasing Go Insurance to receive a 10% discount on your policy.

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Free Visa Prepaid Gift Card and Global Roaming sim

Receive a Free Woolworths Visa Prepaid Gift Card and Global Roaming sim with every Comprehensive Travel Insurance.


What policies are available from NIB?

Comprehensive

This plan offers the most extensive cover and provides:

  • Unlimited overseas medical assistance and hospitalisation expenses
  • Additional expenses and hospital allowance
  • Accidental death and disability
  • Unlimited cancellation fees and lost deposits
  • Loss of income
  • Travel delays and alternative transport costs
  • Luggage and personal effects
  • Travel documents
  • Car hire excess
  • Personal liability up to $5 million

Australia Only

This policy provides cover for travels around Australia. The benefits of this plan include:

  • Accidental death and disability
  • Cancellation fees and lost deposits (you set the limit)
  • Travel delays
  • Luggage and personal effects
  • Travel documents
  • Personal liability up to $5 million

Budget

This is NIB’s most basic policy covering:

  • Unlimited overseas medical assistance and hospitalisation expenses
  • Personal liability up to $5 million

Essentials

This plan offers more benefits than the Basic plan but remains a no-frills option with limited cover for medical emergencies and hospitalisation. Benefits include:

  • Limited cover cancellations and lost deposits
  • Unlimited medical assistance overseas
  • Limited cover for medical emergencies and hospitalisation
  • Accidental death and disability
  • Travel delays
  • Luggage and personal effects
  • Travel documents
  • Personal liability up to $1 million

Snow Cover

Ideal for holidays on the slopes, this plan provides the same extensive cover as the Comprehensive plan plus the following benefits:

  • Unlimited emergency rescue
  • Your own and hired snow sport equipment
  • Snow Ski Pack covering unused ski passes, ski hire, tuition fees or lift passes due to illness

Frequent traveller

This premium plan is ideal for covering an unlimited amount of journeys during a 12-month period. Frequent travellers are covered for:

  • Unlimited overseas medical assistance and hospitalisation expenses
  • Additional expenses and hospital allowance
  • Accidental death and disability
  • Unlimited cancellation fees and lost deposits
  • Loss of income
  • Travel delays and alternative transport costs
  • Luggage and personal effects
  • Travel documents
  • Car hire excess
  • Personal liability up to $5 million

Pros and Cons of NIB

Pros

  • Underwritten by Lloyd’s of London and arranged by Cerberus
  • Five policies available
  • 10% discount on premiums for holders of certain insurance policies
  • Quotes and applications available online
  • 24/7 emergency support
  • Resume an interrupted trip
  • Policy can be extended
  • Excess can be removed on all plans except the Australia Only plan

Cons

  • Some pre-existing medical conditions excluded
  • Frequent Flyer plan not available to travellers 70 years and older
  • Only Comprehensive and Essentials plans available to non-residents

How do I apply for NIB travel insurance?

  • Compare policy options. Using your destination, budget and luggage as references, compare each policy to see which one best covers your insurance needs.
  • Online quote. Calculate your premium online with the website quote tool.
  • Read the product disclosure statement (PDS). This document outlines the benefits available under each option, as well as the circumstances in which you are eligible for compensation.
  • Check out any additional options available. Depending on your holiday type, you may want additional options to cover luggage, equipment or valuable items.

How do I make a claim with NIB ?

  • Get in touch. Let NIB know immediately by downloading, completing and sending the claims form to the address on the back of the form.
  • Be thorough. Be sure to provide all the necessary information. Depending on the nature of your claim, you’ll be asked to provide medical and police reports, written statements from transport carriers, receipts, proof of ownership and travelling tickets.
  • Be honest. Missing or false information causes delays, and you could be penalised or have your policy cancelled.

NIB FAQ

Q. How is my premium calculated?

  • A. Your premium is based on a number of factors including the destination, duration of the journey, your age, the number of people to be insured on the policy, additional options and whether or not you have any pre-existing medical conditions.

Q. What is covered under loss of income?

  • A. A weekly loss of income benefit is payable if you become disabled within 30 days of an injury you sustained during your journey, which stops you from working for more than 30 days after your return to Australia.

Q. Who can buy NIB policies?

  • A. NIB Travel Insurance is available to both residents and non-residents of Australia. As long as you purchase your policy in Australia before leaving on your journey, and as long as your journey starts and ends in Australia, you are eligible for NIB travel insurance policies.

Q. What are the age restrictions?

  • A. You must be under 81 years of age to be eligible for travel insurance with NIB.

Q. What is covered under the Family policy?

  • A. This plan covers you and members of your family travelling with you. The benefit limits apply to the total of all claims combined, regardless of the number of persons to which the claims relate.

Q. Who underwrites NIB Travel Insurance?

  • A. Travel insurance policies provided by NIB are underwritten by Lloyd’s of London and arranged by Cerberus Special Risks.

Q. Can I cancel my NIB policy if I’m not happy with it?

  • A. You have a 14-day cooling-off period during which you can cancel your policy. As long as you haven’t left on your holiday or filed a claim, you’ll receive a full refund.

Compare current coupons available on finder.com.au

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