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nib Australian Comprehensive Policy

Domestic travel insurance for for Australians travelling within Australia, combining comprehensive cover and emergency assistance when you need advice or support.

  • Comprehensive cover when travelling domestically
  • Includes rental vehicle insurance excess cover in event that a rental vehicle is involved in an accident or stolen
  • Accompanying children and grandchildren under can be covered for no additional cost subject to policy terms
  • $100 excess applies, and will be deducted from the settlement amount in the event of a claim
  • Cooling off period of 21 days applies if you change your mind (provided no claims have been made and the policy hasn't commenced)
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Family travelling in Australia

Domestic Travel Insurance

The Australian Travel Plan provides comprehensive travel insurance for trips within Australia (including Norfolk Island). The policy is available to residents of Australia of any age and can be purchased a maximum of 12 months in advance of the trip.

Policies include comprehensive benefits, with optional additional benefits like increased rental vehicle excess cover and snow sports cover available if required.

Policy benefits

Schedule of benefits

Per adult

Cancellation and additional expenses  
Cancellation or holiday deferment costs Chosen limit+
Agents cancellation fees sub-limit $2,000
Emergency travel arrangements and accommodation expenses $10,000
Meals sub-limit (daily limits apply) $500
Emergency internet/telephone sub-limit $250
Medical evacuation and repatriation  
Medical evacuation and repatriation $50,000
Extra travel cover
Travel delay (daily limits apply) $500
Missed connection - special events $2,000
Missed connection - flight delay within Australia $3,000
Emergency accommodation due to terrorism (daily limits apply) $3,000
Emergency expenses to avoid disaster $1,000
Early return home $2,000
Rental vehicle expenses  
Rental vehicle insurance excess $5,000+
Return of rental vehicle $750
Luggage and personal effects maximum limit $4,000
Personal computer, camera and video individual item limit $1,000
Smartphone individual item limit $1,000
Other individual item limit $500
Emergency luggage $500
Hiring replacement golf and surf equipment $200
Replacement passports and travel documents $3,000
Fraudulent use of credit or debit cards $3,000
Accidental death  
Accidental death $10,000
Accompanying children sub-limit $1,000 per child
Personal liability  
Personal liability
Financial default of travel providers  
Financial default of travel service providers $5,000
+ This is a limit per policy and is the most that the insurer will for all people on your Certificate of Insurance combined (per trip).
^ For up to 12 months after the illness first appears or injury first occurs.

Rental vehicle excess

Policies include cover for rental vehicle expenses if renting a vehicle during your trip. This includes cover for the rental vehicle insurance excess if a rented vehicle is damaged in an accident or stolen. A standard limit of $5,000 is automatically included with the policy, and where required this can be increased to a total limit of $10,000 for an additional premium. The rental vehicle must be rented from a rental company have comprehensive motor vehicle insurance for the period of hire.

Cover is also provided for the cost of returning a rental vehicle to the nearest drop-off location if you are unable to do so as a result of an event that is covered by another section of the policy.

Waiting periods

Policies purchased while travelling

The Australian Travel Plan can be purchased after you have started travelling, however a waiting period of 72 hours would apply during which time there would be no cover under the policy. Cover under the policy will commence after the 72-hour waiting period has expired, and there will only be cover for events first occurring after the 72-hour waiting period.

Policies purchased more than 72 hours before the trip

Where an Australian Travel Plan is purchased more than 72 hours in advance of the trip departure date, cover under the Cancellation or holiday deferment costs section of the policy will be subject to a waiting period of 72 hours. Cover under the section will commence after the 72-hour waiting period has expired, and there will only be cover for events first occurring after the 72-hour waiting period.

Travel to Norfolk Island

From 1 July 2016, Australian health arrangements and laws will extend to Norfolk Island, including Medicare and the Pharmaceutical Benefits Scheme. With the introduction of these changes, nib is no longer able to cover medical expenses and medical repatriation for Australian residents visiting Norfolk Island. As a result, travel to Norfolk Island is now covered under the Australian Comprehensive Policy (rather than an international policy).

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Policy terms and conditions apply, and can be found in the product disclosure statement.

Visa, Mastercard and American Express accepted