nib International 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 certain underwriters at Lloyd's, and access to the nib International Assist emergency assistance network
- Comprehensive cover for the unexpected, no matter where in the world you are travelling
- A standard $100 excess applies, but can be reduced to nil at the time of getting a quote by paying an additional premium
- Cooling off period of 21 days applies if you change your mind (provided no claims have been made and the policy hasn't commenced)
International travel insurance
The International Comprehensive Policy provides international travel insurance for Australians and non-Australian residents travelling overseas. The policy is available to residents of Australia of any age (subject to a medical assessment for travellers over 80), and non-residents under 70.
Policies can be booked up to 12 months in advance of the departure date regardless of age. A maximum initial duration of up to 12 months applies, but policies can be extended up to a maximum total duration of 12 months from date of departure (shorter maximum durations apply for travellers over 70). Children can be included on the policy at no additional cost subject to policy terms.
Cruises are automatically covered under the policy, with a range of extra cruising benefits included as standard. 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 or holiday deferment costs | Unlimited |
| Emergency travel arrangements and accommodation expenses | Unlimited |
| Agents cancellation fees | $2,000 |
| Loss of reward points | Unlimited |
| Medical and dental expenses | Unlimited |
| Hospital compensation (daily limits apply) | $8,000 |
| Post hospital accommodation (daily limits apply) | $500 |
| Medical evacuation and repatriation | Unlimited |
| Non medical evacuation and repatriation | Unlimited |
| Travel delay | $2,000 |
| Airfare compensation | $3,000 |
| Missed connection - special events | $2,500 |
| Resumption of trip | $3,000 |
| Hijacking | Unlimited |
| Emergency accommodation due to terrorism (daily limits apply) | $3,000 |
| Rental vehicle insurance excess | $5,000 |
| Return of rental vehicle | $750 |
| Luggage (item limits apply) | $12,000 |
| Personal computer item limit | $6,000 |
| Camera and video item limit | $4,000 |
| Smartphone item limit | $1,000 |
| Other item limit | $700 |
| Emergency luggage | $500 |
| Stolen cash | $250 |
| Replacement passports and travel documents | $3,000 |
| Fraudulent use of credit or debit cards | $3,000 |
| Accidental death | $25,000 |
| Funeral expenses overseas or repatriation of remains | $25,000 |
| Total permanent disability | $12,500 |
| Loss of income | $10,000 |
Personal liability |
$3,000,000 |
| Legal expenses | $15,000 |
| Financial default of travel service providers | $10,000 |
| Financial default of listed wholesalers | $5,000 |
Selecting region
When applying for a policy, the region is determined by the destination (or destinations) where you will spend the majority of the trip. Policies automatically cover time spent in other regions provided that the region where you will spend the majority of the trip is selected. It will also be necessary to confirm whether you will spend 72 hours or more in the USA, South America, Central America or Antarctica.
Please note that there is no cover for travel to Afghanistan, Burundi, Central African Republic, Chad, Democratic Republic of Congo, Eritrea, Iraq, Iran, Libya, Mali, Mauritania, Niger, North Korea, Guinea, Guinea-Bissau, Somalia, Sudan, South Sudan, Syria, Ukraine, Venezuela, or Yemen.
| Region 1 | Worldwide, USA, South America, Central America and Antarctica |
| Region 2 | Africa, Canada and the Middle East |
| Region 3 | Europe |
| Region 4 | China, Hong Kong, Japan, Singapore, Philippines, Thailand, India, Malaysia, Vietnam, Korea, Nepal, Cambodia and other Asia |
| Region 5 | UK and Ireland |
| Region 6 | Indonesia, South Pacific and Papua New Guinea |
| Region 7 | New Zealand |
| Download list of destinations | |
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 starting from page 32 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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Get a quotePolicy terms and conditions apply, and can be found in the product disclosure statement.
