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nib Australian Comprehensive Policy

Domestic travel insurance for travel within mainland Australia, trips to external territories like Christmas Island and Norfolk Island, and cruises in Australian waters.

  • Comprehensive cover when travelling domestically or when embarking on a domestic cruise
  • Includes rental vehicle insurance excess cover in event that a rental vehicle is involved in an accident or stolen
  • Includes additional benefits for cruising in Australian waters, like cruise catch up and prepaid shore excursion cancellation
  • Dependent children and grandchildren under can be included on the policy at no additional cost
  • An excess of $50 per claimable event applies, and will be deducted from the settlement amount in the event of a claim
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Family travelling in Australia

Domestic Travel Insurance

The Australian Comprehensive Policy provides comprehensive travel insurance for domestic trips, including travel to Christmas Island, Lord Howe Island and Norfolk Island. The policy is available to residents of Australia of any age, and to non-residents who are under 70, and can be purchased at any time (or a maximum of 12 months prior to travel where cover is required for existing medical conditions).

A maximum duration of 12 months from the date of departure applies, and cover can be extended an unlimited number of times up to the maximum 12 months.

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

Policy benefits

Schedule of benefits

Per adult

Cancellation or holiday deferment costs $10,000
Emergency travel arrangements and accommodation expenses $10,000
Agents cancellation fees $2,000
Loss of reward points $10,000
Medical expenses incurred onboard a cruise ship in Australian waters $50,000
Dental expenses incurred onboard a cruise ship in Australian waters $1,000
Medical evacuation and repatriation $10,000
Non medical evacuation and repatriation $10,000
Travel delay $500
Missed connection - special events $2,000
Missed connection - flight delay within Australia $2,000
Hijacking Unlimited
Emergency accommodation due to terrorism $3,000
Rental vehicle insurance excess $5,000
Return of rental vehicle $750
Luggage (item limits apply) $4,000
Personal computer item limit $1,000
Camera and video item limit $750
Smartphone item limit $1,000
Dentures or dental prothesis item limit $800
Other item limit $500
Emergency luggage $500
Replacement passports and travel documents $2,000
Fraudulent use of credit or debit cards $3,000
Accidental death $10,000
Personal liability $300,000
Financial default of travel service providers
Financial default of listed wholesalers/td> $2,500
Cruise catch up $2,000
Cabin or ship hospital confinement (daily limits apply) $500
Prepaid shore excursion cancellation $1,000
Delayed cruise return $2,000

Rental vehicle excess

Policies include cover for rental vehicle expenses if renting a vehicle during your trip. Section E1 provides cover for the rental vehicle insurance excess if a rented vehicle is damaged in an accident or stolen. A standard limit of $3,000 is automatically included with the policy, and where required this can be increased to a total limit of $8,000 for an additional premium. The rental vehicle must have comprehensive motor vehicle insurance for the period of hire for Section E1 to apply.

Section E2 provides cover 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.

Cruises in Australian waters

Domestic cruises are automatically covered under the Australian Comprehensive Policy, with $50,000 cover for medical expenses and $1,000 cover for dental expenses due to sudden and acute pain. These benefits only apply where expenses are incurred onboard a cruise ship in Australian waters (there is no cover for medical or dental expenses incurred in Australia).

Policies also provide additional cruise benefits, including cover to join the cruise at the ship’s next port of call if you miss the departure because your flight is delayed for more than 6 hours, and cover for cancellation fees if you can’t go on a shore excursion because you are unwell.

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, American Express and Diners accepted