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nib Comprehensive Policy

International travel insurance for Australians, combining comprehensive cover and worldwide emergency assistance when you need advice or support while overseas.

  • Travel with the security of a policy underwritten by XL Insurance Company SE, Australia branch (part of AXA XL)
  • Comprehensive cover for the unexpected, with access to the nib International Assist emergency assistance network
  • Standard $250 excess applies, but can be reduced to either $150 or $0 if preferred
  • 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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International travel insurance

The Comprehensive Plan provides international travel insurance for Australians travelling overseas.

The policy is available to residents of Australia of any age (subject to a medical assessment for travellers who have a high risk medical condition or aged over 80), and can be purchased up to 12 months in advance of the departure date. Accompanying children under 25 years if age and working less than 30 hours per week can be included on the policy at no additional cost provided that travelling with you on the same itinerary for the entire duration of your trip.

Where cover for snow sports or specified luggage is required, policies can be upgraded with optional additional benefits.

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 Unlimited
Meals sub-limit (daily limits apply) $500
Emergency internet/telephone sub-limit $250
Post hospital accommodation (daily limits apply) $500
Medical expenses  
Overseas medical expenses
Critical illness or injury – emergency travel expenses for a friend or relative sub-limit $20,000
Hospital compensation (daily limits apply) $8,000
Dental expenses due to sudden and accute pain $1,000
Medical evacuation and repatriation  
Medical evacuation and repatriation Unlimited
Home services sub-limit $500
Extra travel cover  
Travel delay (daily limits apply) $2,000
Missed connection - special events $2,000
Resumption of trip $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 $12,000
Personal computer, camera and video individual item limit $4,000
Smartphone individual item limit $1,000
Other individual item limit $700
Emergency luggage $500
Stolen cash $250
Hiring replacement golf and surf equipment $200
Replacement passports and travel documents $3,000
Fraudulent use of credit or debit cards $3,000
Personal accident  
Accidental death $25,000
Accompanying children sub-limit $1,000 per child
Funeral expenses overseas $25,000
Total permanent disability $12,500
Loss of income (monthly limits apply) $10,000
Personal liability  
Personal liability
Financial default of travel providers  
Financial default of travel service providers $10,000
+ 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.

Waiting periods

Policies purchased while travelling

The Comprehensive 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 a Comprehensive 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.

Cover for existing medical conditions

Where cover is required for existing medical conditions that are not automatically covered, you will be able to apply for a medical assessment online at the time of getting a quote.

More information on cover for existing medical conditions can be found in the product disclosure statement. This includes a list of high risk medical conditions that must be disclosed when applying for a policy, as well as a list of conditions that are automatically covered without application (provided that the condition is stable and you are not waiting for treatment, on a hospital waiting list or awaiting results of medical tests).

Cooling off period of 21 days

Policies have an extended cooling off period of 21 days. If you change your mind and the policy is no longer required, it can be cancelled within 21 days of the date purchased for a full refund of the premium paid. The cooling off period applies provided that no claim has been made and the policy has not commenced.

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

Visa, Mastercard and American Express accepted