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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
Were you looking for a discount code?
Oops! There aren't any NIB Travel Insurance Discount Codes available on Finder right now. If you would like find out more about NIB Travel Insurance check out the NIB page or see our other travel insurance deals below.
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.
Jessica Prasida is a travel insurance expert for Finder. She lives and breathes travel, having worked as a travel agent and branch manager at STA Travel for over 4 years, then writing about travel insurance with Finder for another 5 years. Jess has a Bachelor of Business from the University of Technology, Sydney and a Tier 1 General Insurance qualification.
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