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.

nib Travel Insurance

4.3 ★★★★★ (34 reviews) Write a review

Pros

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.

Cons

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.

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Summary of nib International Comprehensive policy

Overseas Medical and Hospital Expenses	Unlimited
Cancellation and Amendment Fees	Chosen cover
Luggage and Personal Effects	$12,000
Maximum Age Limit	No age limit

^{Table updated March 2025}

How does nib Travel Insurance cover COVID-19?

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

Overseas medical costs related to COVID-19
Cancellation or amendment costs if:
- - -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.

What do Australians think of nib travel insurance?

4.32/5 overall for Customer Satisfaction - higher than the average of 4.26
4.61/5 for Trust - higher than the average of 4.57
4.3/5 for Customer Service - higher than the average of 4.2

Based on nib travel insurance scores in Finder's 2024 Customer Satisfaction Awards.

What policies does nib offer?

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.

Here's a breakdown of nib Travel Insurance features

Standard features
Optional add-ons
Exclusions

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Standard features

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

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Optional add-ons

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.

Exclusions

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
An act of war, invasion or revolution
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.

How to make a nib Travel Insurance claim

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.

Here's the bottom line about nib Travel Insurance

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.

Frequently asked questions

- Finalist for Travel Insurance Customer Satisfaction 2023

Your reviews

4.3

★★★★★(0)

All user-submitted reviews must meet our review guidelines. These set out our standards and expectations, including that the review is from by a genuine user of the relevant product or service and that it is honest, authentic and respectful. We explicitly prohibit fake or otherwise misleading reviews and we check all submissions, but we make no guarantee as to the authenticity of any published review or reviewer. Some reviews may be submitted (regardless of sentiment) in exchange for entry into any competition(s) for which we are the promoter.

10 of 34 reviews

★★★★★ Julian (ACT) 11 months ago