Travel Insurance
The Importance of Travel Insurance
The importance of purchasing ‘Travel Insurance’ is to cover you sufficiently throughout your trip for your travel and personal necessities, from the moment you book your holiday to the moment you return home.
The Australian Government recommends that travellers take out appropriate travel insurance, highlighted on smartraveller.gov.au to be informed and prepared.
Where to start!
Ciao Travel is a Travel Agent Distributor for nib Travel Insurance.
Before deciding to purchase any insurance policy, it is important to read the (PDS) Policy Disclosure Statement thoroughly and ask the insurer any questions you have, before making your purchase.
It is important to consider the activities you’re likely to take part in on your trip and choose a policy with the level of cover that best suites your needs. For example, ample cover may be more important than the price and you may value things like accessible emergency assistance overseas.
If you have a complaint about a travel insurance product, see their (PDS) Product Disclosure Statement for the complaints process.
nib travel insurance – for today’s travellers
nib understands the importance of helping people access insurance products and services suitable for every travel adventure; from planning and experiencing, to returning home safely.
You can choose the plan that you think best suits the kind of holiday you’re taking and the level of cover you need – from basic cover through to comprehensive, multi-trip, domestic and international plans.
nib can provide cover for many things that could go wrong when you travel, including:
- Having your trip or flights cancelled
- Accidental lost luggage or having it stolen
- Suffering a medical or dental emergency overseas
- Getting sick or injured overseas, even when playing amateur sports, and more
nib travel insurance also includes automatic cover for a range of existing medical conditions and the ability to apply to cover some other conditions for an additional premium (which may be significant) and increased excess.
Easy online medical screenings
If you have an existing medical condition that is not automatically covered by your plan, you may be able to apply to have it covered for an additional premium (which may be significant) and increased excess.
You’ll be asked to complete a medical screening which can be done quickly and easily online, in-store with your partner or over the phone with a member of our helpful nib customer service team.
24/7 Emergency medical support
Our 24/7 Emergency Assistance team provides emergency assistance for our customers worldwide. Our experienced specialists can be contacted by telephone 24 hours a day, 7 days a week to help you in the event of an emergency and to liaise on your behalf with our in-house medical team.
Simple, fast online claims
If you ever need to make a claim, you can do it online anywhere, anytime. And we’ll work to assess it as quickly as possible.
Alert/Important Information from nib Travel Insurance Our travel insurance policies provide cover for some coronavirus related events. Cover is not available for loss arising from: government intervention including travel bans, border closures or broadly imposed quarantine requirements; events for which the Government has issued a ‘Do Not Travel’ warning for your destination, or failure to follow advice from official bodies. See the PDS for details. Your ability to travel may be affected by travel restrictions. Check the latest government advice and our travel insurance alerts.
Is any coronavirus cover available on travel insurance plans and what are the benefits?
Cover for some coronavirus related events is available on all nib’s travel insurance plans (excl. Cancellation and Additional Expenses Plan), but the types of benefits and benefit limits vary.
As much as we’d love to cover every coronavirus-related scenario that a traveller can think of, that’s not what travel insurance is designed to do, so read the Product Disclosure Statement (PDS) for Australian residents carefully for the full terms, conditions, limits and exclusions so that you know what is, and isn’t, covered.
Overseas Medical Benefit: If you contract coronavirus while on your trip, all of nib’s International travel insurance plans can offer cover for overseas medical expenses.
Medical evacuation and repatriation: All nib travel insurance plans include cover for medical evacuation and repatriation if we decide it’s medically necessary, up to the relevant benefit limit. There is no cover for medical, hospital or ambulance expenses in Australia.
Coronavirus Travel Costs: nib’s Coronavirus Travel Costs benefit is available on the Comprehensive Travel Plan, Australian Travel plan and Annual Multi Trip Plan and can provide cover for several coronavirus related events. It includes cover for quarantine expenses and trip cancellation if you are diagnosed with coronavirus.
“We expect all Australian’s travelling overseas and domestically to take out appropriate insurance for their trip”.
Distributor for nib Insurance: Ciao Travel, ABN 63456608243 is a distributor of nib Travel Services (Australia) Pty Ltd (nib), ABN 81 115 932 173, AFSL 308461 and receives a commission for nib products purchased through Ciao Travel. Ciao Travel acts as an agent for nib and not as your agent. Ciao Travel cannot give advice about nib products, and any factual information provided is not intended to imply a recommendation or opinion about nib products. Before you buy, please read the Product Disclosure Statement, Financial Services Guide and Target Market Determination (TMD) available from us. If you have a complaint about a nib product, see the Product Disclosure Statement for the complaints process. This insurance is underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193.
Government Health Advice
You can only travel to your destination if there is no travel ban in place or if you have an exemption.
Please research the area(s) you are travelling to and read the latest government and health advice.
Check smartraveller.gov.au to see if your planned overseas travel is affected; you can only travel overseas if there is no travel ban in place for your intended destination or if you qualify for an exemption.
Check health.gov.au for domestic travel information. You can only travel within Australia if there are no border closures or if you qualify for an exemption.