nib Travel Insurance

Summary of nib International Comprehensive policy

^{Table updated March 2025}

How does nib Travel Insurance cover COVID-19?

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

How to make a nib Travel Insurance claim

Follow these instructions to make a claim from nib Travel Insurance:

1. Create a nib account or log in to your existing account.
2. Tell nib what happened and lodge the expenses you're claiming.
3. Check your email for relevant supporting documents to upload.
4. Submit your claim and the nib team will be in contact.

Frequently asked questions

• Does nib cover pre-existing medical conditions?

  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.

• Can I purchase a nib policy if I'm already travelling overseas?

  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.

• Explore nib's past Award wins

  • Finalist for Travel Insurance Customer Satisfaction 2023

Written by

Nicola Middlemiss

Journalist

Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

Nicola's expertise

Nicola has written 243 Finder guides across topics including:

• Personal finance
• Personal insurance, including car, health, home, life, pet and travel insurance
• Commercial business insurance