There is no age limit on NIB's comprehensive policy, good news for older travellers.
NIB covers over 40 pre-existing medical conditions as standard and extends cover for many more if travellers pay a higher premium.
Cons
Although cruising is covered as standard, there's no add-on option for specific cruise-related risks including cabin confinement or missed port excursions.
Individual benefits aren't particularly high in comparison to some other providers.
Get a quote with NIB Travel Insurance
Got a quote before?
Congratulations, nib!
nib received the highly commended award for 'Travel Insurance' in the 2023 Customer Satisfaction Awards.
NIB offers cover for COVID-19 in a range of different situations and scenarios, including:
Overseas medical costs related to COVID-19
Cancellation or amendment costs if:
-you or a travelling partner is diagnosed with COVID-19
-a close relative or business partner is hospitalised or dies due to COVID-19
-you're permanently employed as a healthcare worker, residential care worker or law enforcement officer, and your pre-approved leave is cancelled due to COVID-19.
Travel and accommodation costs if a tour is cancelled due to your tour guide contracting COVID-19 or if your accommodation can't operate due to staff contracting COVID-19.
Travel, meals and accommodation if you're not permitted to board your scheduled public transport due to being suspected of having COVID-19.
Childcare costs if COVID-19 renders you unable to care for your dependent children while on holiday.
Pet care costs if you can't travel back to Australia at your scheduled time due to COVID-19.
There are some scenarios that are not covered by NIB including if you were diagnosed with COVID-19 before heading on your trip but you went anyway or if you knowingly put yourself in contact without someone diagnosed with COVID-19.
What policies does NIB offer?
NIB offers five insurance policies to travellers. The two international policies are Comprehensive and Essentials. The two domestic policies are the Australian Travel Plan and the Cancellation and Additional Expenses Plan. Finally, the Annual Multi-Trip Plan offers cover for overseas and domestic travels, more than 200km from your home in Australia, for trips of up to 45 days.
International Comprehensive
International Essentials
Australian Travel Plan
Cancellation and Additional Expenses Travel Plan
Annual Multi-Trip
The insurer of this product is Pacific International Insurance Pty Ltd. It comes with a cooling-off period of 21 days and choice of $250 standard excess for international plans.
Here's a breakdown of NIB Travel Insurance features
Self-inflicted injury or illness, suicide or attempted suicide
Make sure you review the NIB PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions.
How to make a NIB Travel Insurance claim
Follow these instructions to make a claim from NIB Travel Insurance:
Create a NIB account or log in to your existing account.
Tell NIB what happened and lodge the expenses you're claiming.
Check your email for relevant supporting documents to upload.
Submit your claim and the NIB team will be in contact.
Here's the bottom line about NIB Travel Insurance
NIB Travel Insurance has fairly stock-standard benefits and limits. However, it has a strong focus on offering cover to travellers with pre-existing conditions and does not implement an age limit on its International Comprehensive policy.
Over 40 pre-existing medical conditions are covered as standard and travellers can apply to have their pre-existing medical condition covered for an extra premium.
NIB automatically covers more than 40 existing medical conditions, provided you satisfy the criteria for that condition. If your condition is not automatically covered, you can apply for cover. In many cases, NIB expects to be able to offer cover for an additional premium.
Yes. However, there is a 72-hour waiting period for all policies purchased while travelling. If you purchase while you're travelling, you must get cover up to the date you will return to your home in Australia.
Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio
Nicola's expertise
Nicola has written 237 Finder guides across topics including:
Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
Why does Norfolk Island not show up as ‘No matches found’ in the destination option search?
Finder
JamesNovember 30, 2021Finder
Hi Garry,
You’re absolutely right, we haven’t yet built the functionality to include Norfolk Island on the form.
You may want to check out our page on domestic travel options. Since 2016, Norfolk Island has been considered a domestic territory of Australia meaning you’ll be covered by a domestic policy (assuming you’re flying to the island).
Of course, you can also get in touch directly with NIB about your needs should you need more assistance.
Best,
James
RbaraJune 22, 2017
Does NIB have unlimited cancellation costs?
JonathanJune 22, 2017
Hi Rbara!
NIB International Comprehensive and Annual Multi Trip has unlimited cancellation costs for both single and family cover.
Check out their Product Disclosure Statement on their website for further information.
Hope this helps.
Cheers,
Jonathan
KathleenMay 7, 2017
Seeking domestic repatriation insurance .
We are a couple 82+ 76 travel and resort holiday -Melbourne to Queensland for 28 days ,our concerns are for a non road accident or illness ,and we are incapacitated ,how do we get home?
We don’t need cover for luggage or resort refund,or hospitable medical costs.
There is no ambulance covet for Such an event,say for a totally incapacitated person .
We gave private cover with NIB
Finder
ZubairMay 8, 2017Finder
Hi Kathleen,
Thank you for your question.
You have contacted finder.com.au, we are a comparison and information service and not actually NIB Travel Insurance. NIB Travel Insurance is not currently one of the brands in our panel of travel insurers. If you would like to get cover from NIB you will need to contact them directly.
Most of the travel insurance brands won’t cover you for repatriation on the domestic policy. However, most of the brands will cover you for TPD while traveling in Australia. If you would like to compare quotes from the travel insurance brands in our panel, please head to the travel insurance home page.
Cheers,
Zubair
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Why does Norfolk Island not show up as ‘No matches found’ in the destination option search?
Hi Garry,
You’re absolutely right, we haven’t yet built the functionality to include Norfolk Island on the form.
You may want to check out our page on domestic travel options. Since 2016, Norfolk Island has been considered a domestic territory of Australia meaning you’ll be covered by a domestic policy (assuming you’re flying to the island).
Of course, you can also get in touch directly with NIB about your needs should you need more assistance.
Best,
James
Does NIB have unlimited cancellation costs?
Hi Rbara!
NIB International Comprehensive and Annual Multi Trip has unlimited cancellation costs for both single and family cover.
Check out their Product Disclosure Statement on their website for further information.
Hope this helps.
Cheers,
Jonathan
Seeking domestic repatriation insurance .
We are a couple 82+ 76 travel and resort holiday -Melbourne to Queensland for 28 days ,our concerns are for a non road accident or illness ,and we are incapacitated ,how do we get home?
We don’t need cover for luggage or resort refund,or hospitable medical costs.
There is no ambulance covet for Such an event,say for a totally incapacitated person .
We gave private cover with NIB
Hi Kathleen,
Thank you for your question.
You have contacted finder.com.au, we are a comparison and information service and not actually NIB Travel Insurance. NIB Travel Insurance is not currently one of the brands in our panel of travel insurers. If you would like to get cover from NIB you will need to contact them directly.
Most of the travel insurance brands won’t cover you for repatriation on the domestic policy. However, most of the brands will cover you for TPD while traveling in Australia. If you would like to compare quotes from the travel insurance brands in our panel, please head to the travel insurance home page.
Cheers,
Zubair