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)
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 | |
| 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 |
$300,000 |
| 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).
Arrange a policy online
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Get a quotePolicy terms and conditions apply, and can be found in the product disclosure statement.
