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)
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 |
Unlimited^ |
| 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 | |
| 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 |
$2,500,000 |
| 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.
Arrange a policy online
Click through below to get a quote and arrange a policy online in a matter of minutes.
Get a quotePolicy terms and conditions apply, and can be found in the product disclosure statement.
