nib travel insurance code

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• United Kingdom

NIB Travel Insurance

Our verdict: nib offers relatively basic travel insurance, with no specific cruise cover or adventure pack. however, members do enjoy a 10% discount..

In this guide

Summary of NIB International Comprehensive policy

How does nib travel insurance cover covid-19, what policies does nib offer, here's a breakdown of nib travel insurance features, standard features, optional add-ons, how to make a nib travel insurance claim, here's the bottom line about nib travel insurance, frequently asked questions, request travel insurance quotes and compare policies.

Destinations

• There is no age limit on NIB's comprehensive policy, good news for older travellers.
• NIB covers over 40 pre-existing medical conditions as standard and extends cover for many more if travellers pay a higher premium.
• Although cruising is covered as standard, there's no add-on option for specific cruise-related risks including cabin confinement or missed port excursions.
• Individual benefits aren't particularly high in comparison to some other providers.

Compare other options

Well done, nib

nib ranked in third place, gaining an overall score of 4.18/5 for Customer Satisfaction in 2023. 85% of those surveyed would recommend nib travel insurance to a friend. nib scored higher than average for customer service, along with its COVID coverage.

Table updated September 2023

NIB offers cover for COVID-19 in a range of different situations and scenarios, including:

• Overseas medical costs related to COVID-19
• -you or a travelling partner is diagnosed with COVID-19
• -a close relative or business partner is hospitalised or dies due to COVID-19
• -you're permanently employed as a healthcare worker, residential care worker or law enforcement officer, and your pre-approved leave is cancelled due to COVID-19.
• Travel and accommodation costs if a tour is cancelled due to your tour guide contracting COVID-19 or if your accommodation can't operate due to staff contracting COVID-19.
• Travel, meals and accommodation if you're not permitted to board your scheduled public transport due to being suspected of having COVID-19.
• Childcare costs if COVID-19 renders you unable to care for your dependent children while on holiday.
• Pet care costs if you can't travel back to Australia at your scheduled time due to COVID-19.

There are some scenarios that are not covered by NIB including if you were diagnosed with COVID-19 before heading on your trip but you went anyway or if you knowingly put yourself in contact without someone diagnosed with COVID-19.

NIB offers five insurance policies to travellers. The two international policies are Comprehensive and Essentials. The two domestic policies are the Australian Travel Plan and the Cancellation and Additional Expenses Plan. Finally, the Annual Multi-Trip Plan offers cover for overseas and domestic travels, more than 200km from your home in Australia, for trips of up to 45 days.

International Comprehensive

International Essentials

Australian Travel Plan

Cancellation and Additional Expenses Travel Plan

Annual Multi-Trip

The insurer of this product is Pacific International Insurance Pty Ltd. It comes with a cooling-off period of 21 days and choice of $250 standard excess for international plans.

These are some of the main insured events that NIB will cover. These benefits may only apply on NIB's Comprehensive International Plan.

• Overseas medical treatment
• Lost, damaged or stolen property
• Trip cancellation or amendment
• Additional accommodation and transport
• Theft of money
• Luggage and travel delay
• Emergency dental costs
• Kidnap and hijack
• Personal liability
• Accidental death

NIB also offers an add-on cover for snow sports.

• Snow Sports Cover. Cover for equipment, cancellation expenses, ski lift passes and ski run closure if you're heading to the slopes.

Unfortunately, travel insurance doesn't cover everything. Generally, NIB will not pay your claim if it relates to:

• Unlawful, wreckless or unreasonably unsafe behaviour by you
• Behaviour while you were drunk or under the influence of drugs
• An act of war, invasion or revolution
• Mandatory quarantines or isolations
• You being unfit to travel or travelling against medical advic
• Childbirth or pregnancy complications after the 26th week of gestation or if you have had previous pregnancy complications
• A multiple pregnancy or one where the conception was medically assisted
• An elective medical or dental treatment , cosmetic procedure or body modification (including tattoos or piercing)
• Self-inflicted injury or illness, suicide or attempted suicide

Make sure you review the NIB PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions .

Follow these instructions to make a claim from NIB Travel Insurance:

• Create a NIB account or log in to your existing account.
• Tell NIB what happened and lodge the expenses you're claiming.
• Check your email for relevant supporting documents to upload.
• Submit your claim and the NIB team will be in contact.

NIB Travel Insurance has fairly stock-standard benefits and limits. However, it has a strong focus on offering cover to travellers with pre-existing conditions and does not implement an age limit on its International Comprehensive policy.

Over 40 pre-existing medical conditions are covered as standard and travellers can apply to have their pre-existing medical condition covered for an extra premium.

If you're still not sure about NIB, you can compare other travel insurance companies here .

Does NIB cover pre-existing medical conditions?

NIB automatically covers more than 40 existing medical conditions, provided you satisfy the criteria for that condition. If your condition is not automatically covered, you can apply for cover. In many cases, NIB expects to be able to offer cover for an additional premium.

Can I purchase a NIB policy if I'm already travelling overseas?

Yes. However, there is a 72-hour waiting period for all policies purchased while travelling. If you purchase while you're travelling, you must get cover up to the date you will return to your home in Australia.

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Nicola Middlemiss

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds.

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6 Responses

Why does Norfolk Island not show up as ‘No matches found’ in the destination option search?

You’re absolutely right, we haven’t yet built the functionality to include Norfolk Island on the form.

You may want to check out our page on domestic travel options . Since 2016, Norfolk Island has been considered a domestic territory of Australia meaning you’ll be covered by a domestic policy (assuming you’re flying to the island).

Of course, you can also get in touch directly with NIB about your needs should you need more assistance.

Best, James

Does NIB have unlimited cancellation costs?

NIB International Comprehensive and Annual Multi Trip has unlimited cancellation costs for both single and family cover.

Check out their Product Disclosure Statement on their website for further information.

Hope this helps.

Cheers, Jonathan

Seeking domestic repatriation insurance . We are a couple 82+ 76 travel and resort holiday -Melbourne to Queensland for 28 days ,our concerns are for a non road accident or illness ,and we are incapacitated ,how do we get home? We don’t need cover for luggage or resort refund,or hospitable medical costs. There is no ambulance covet for Such an event,say for a totally incapacitated person . We gave private cover with NIB

Hi Kathleen,

Thank you for your question.

You have contacted finder.com.au, we are a comparison and information service and not actually NIB Travel Insurance. NIB Travel Insurance is not currently one of the brands in our panel of travel insurers. If you would like to get cover from NIB you will need to contact them directly.

Most of the travel insurance brands won’t cover you for repatriation on the domestic policy. However, most of the brands will cover you for TPD while traveling in Australia. If you would like to compare quotes from the travel insurance brands in our panel, please head to the travel insurance home page.

Cheers, Zubair

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Travel Insurance Saver Review

Published: Apr 11, 2023, 2:21pm

Travel Insurance Saver is a comprehensive travel insurance offering for Australians, especially those looking for medical cover. Its unlimited medical cover includes dental and COVID-19 cover, which makes the policy standout from competitors. With no maximum age limit, the policy could be well-suited to elderly travellers who may be more prone to accidents.

Related: Best Travel Insurance Providers for Australians

• No maximum age limit
• Unlimited medical cover that includes dental and COVID-19 medical expenses
• 24/7 Emergency Assistance team
• Low customer reviews
• Lost luggage only covered to $10,000
• 10% discount is only available to NIB members

Table of Contents

About travel insurance saver, what is covered, does it cover me for covid-19, what about pregnancy, what about sports and activities, customer service, who should take out this insurance.

Travel Insurance Saver is a travel insurance company underwritten by NIB, offering Australians both domestic and international travel insurance policies. The company is an authorised representative of NIB Travel Services (Australia).

While the specific Travel Insurance Saver plan has not been reviewed by customers on ProductReview, underwriter NIB Travel Insurance has received an average star ranking of 1.3 stars out of 5 from 75 reviews.

Featured Partners

Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Medical cover

Unlimited, 24/7 Emergency Assistance

Cancellations

Unlimited, (Trip Disruption $50,000)

Key Features

25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating

Cover-More Travel Insurance

On Cover-more’s secure website

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance

Medical Cover

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

The Travel Insurance Saver travel insurance policy is available to all ages, with no maximum age limit for taking out coverage. Accompanying children are also automatically covered along with the policyholder up to 25 years of age, provided they are working less than 30 hours per week and are travelling with you for the entire trip.

Personal liability up to $1 million is covered on the plan, alongside credit card fraud up to $3,000. Cancellations are also covered with the amount chosen by the customer when taking out the policy.

While the Travel Insurance Saver policy doesn’t provide cover for missed connecting flights, it does provide cover if you miss a connection en route to a special event. That cover is up to $2,000 which can be used for additional transport to get to your special event on time.

Lost luggage

Yes, lost luggage is covered by the Travel Insurance Saver travel insurance policy. The maximum claim is up to $10,000, and a sub limit applies of $4,000 for one item.

Travel Insurance Saver covers unlimited overseas medical expenses, including certain Covid-19 cover (as explained below) and some pre-existing medical conditions.

There are 40 pre-existing conditions that are automatically covered–provided certain criteria are met–with the conditions including epilepsy, sleep apnoea, iron deficiency and many more.

Other conditions require medical assessment to determine if cover can be offered, which would also be at an additional cost to the travel insurance premium.

Is Dental Cover Included in Medical?

Yes, the Travel Insurance Saver travel insurance policy includes emergency dental expenses within its unlimited medical cover. For dental expenses due to sudden and acute pain cover is offered up to the value of $1,000.

Related: Guide to Understanding Travel Insurance

Yes, medical expenses required as a result of Covid-19 are covered under the unlimited overseas medical cover. Some additional expenses are also covered if you are diagnosed while overseas and are required to isolate, This may include accommodation expenses.

Cancellations are also covered due to contracting Covid-19.

Related: Travel Insurance and Covid: Are You Covered?

Pregnancy is covered up until week 26. However, pregnancy-related illnesses are treated like pre-existing medical conditions, meaning customers need to apply and meet certain criteria in order to receive cover.

Travel Insurance Saver doesn’t specify which activities it covers, as its website claims that generally, most activities are. There are some specific activities that are excluded, which are:

• Racing (except on foot)
• Mountaineering using support ropes
• Paragliding
• Rock climbing
• Base jumping
• Running with the bulls

There are some activities which are only covered pending certain conditions, too. This includes diving, which is only covered if you hold an open water licence or if you are diving under the supervision of a licensed instructor.

Motorcycle riding is also only covered if the motorbike is under 250 CC, you are wearing a helmet and you hold a full licence in both Australia and the destination country.

In terms of snow sports, there is an option to add the snow cover extra onto your policy. The snow sports that are covered by this add-on are snow skiing and snowboarding on and off piste, backcountry skiing and snowboarding, snowmobiling, tobogganing; cross-country skiing, and telemark skiing.

Travel Insurance Saver has a 24/7 Emergency Assistance team available to provide help to customers worldwide, helping policyholders in the event of an emergency including to liaise on their behalf with the in-house medical team.

Along with the 24/7 emergency line, there is another phone line for non-urgent enquiries which is available Monday to Friday, 8:30am to 6:00pm.

Travel Insurance Saver also has a customer service email and an online contact form. Plus, if you need to make a claim, you can do so online–anywhere, at any time.

Due to its unlimited medical cover and lack of age limit, Travel Insurance Saver may be most suitable to older travellers who are at higher risks of accidents and more prone to contracting illnesses. It also has great cover for Covid-19-related medical needs, including the cancellation of a trip due to contracting the virus.

Frequently Asked Questions (FAQs)

Who underwrites travel insurance saver.

Travel Insurance Saver is underwritten by NIB. The company is part of NIB’s travel insurance business, with all policies from Travel Insurance Saver underwritten by NIB.

Is there a Travel Insurance Saver discount code?

At the time of writing, there is no Travel Insurance Saver discount code available to the general public. However, there is a 10% discount available to existing NIB customers.

Where can I find the Travel Insurance Saver PDS?

The Travel Insurance Saver PDS can be found on the NIB website here .

Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany, Sophie has worked closely with finance experts and columnists around Australia and internationally.

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