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
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 |
$5,000 |
| 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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