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Save up to 20% instantly

Single/Multi/Annual Trip policies

No age limits

In many cases, children can be added free of charge

Singles can buy a joint policy and travel separately

Winter sports coverage (surcharge)

Our guide to understanding travel insurance in plain English

No one likes reading lots of text but this guide really will

1/ save you money with insider secrets about how insurance pricing works

2/ help avoid mistakes that can see claims knocked back

3/ explain Covid provisions and limits

4/ extra steps cruise passengers must take to be covered

If you just want the discount link - and not the tips ...

Who are we?

FAB is Flight Attendant Business - Run by crew - for crew


FAB Interline Cruises offers discounts to aviation employees

FAB Last Minute Cruises offers huge discounts to non-airline employees

Before you leave why not join our mailing list?

Our buying power means that FAB can offer discounts of up to 20% for everyone on NIB Travel Insurance

This discount is generated automatically via the links at the bottom of this page

Please feel free to share this page as our discounts on insurance are available to everyone

As with all insurance, you must read and understand the policy disclosure statement in full. Do not proceed if unsure.

Examples of the type of savings we offer on insurance

Market Leader (NIB)
Market Leader (NIB)
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NIB Direct
NIB Direct

nib Direct

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FAB Interline (NIB)
FAB Interline (NIB)
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Sadly gone are the days of underwriters offering heavily discounted annual policies to Qantas staff in the region of $250 for yourself and your spouse/partner. Be prepared that a two-week single trip international policy will likely be several hundred dollars, and Multi-Trip annual policies will generally be over $1000. I'd rather tell you that upfront than give you a nasty shock at the end of the quoting process. This is the post covid world in which we now live and prices may drop as Covid restrictions and risk diminish.


Unlike many, NIB offers both single trip and annual policies

Covid protection is included in both Comprehensive Single Trip and Annual Multi-Trip Policies


Warning: Essentials Single Trip policies have No covid protection

Which is the better/cheaper option?


The first question to ask is how many trips do you intend to take over the next 12 months?


If the answer is more than one trip or if a trip will be more than a month, then an Annual Multi-Trip may work out cheaper than single trip policies. 

A Single Comprehensive Trip policy for a couple in their mid-'50s for a few weeks will likely have a cost of several hundred dollars. Extend that up to a month and that single trip policy could approach $1000. Whereas an annual policy may be the same price, or even cheaper.


Annual Multi-Trip permits an unlimited number of trips but none can be longer than 45 days for each trip.


Example: 1 month single (left) vs annual multi-policy (right)


Understand this to save money: The price of your quote will go up or down depending on when you purchase it


Example: You have a trip planned for 6 months from now - you have two options:

1/ Pay for your insurance today to start on the day of departure

2/ Or wait to pay for exactly the same insurance just prior to the same departure date

Purchasing insurance in advance of travel will increase the price even if the policy is for exactly the same duration. 


This is because when you pay for insurance you get a Certificate of Insurance. A certificate of insurance provides protection if any 'covered event' detailed in the policy (EG if a car accident that causes an injury that prevents travel) occurs between the date of purchase and the date of departure. 


If you had instead decided to wait until a few days prior to departure, then that same car accident, if it had happened prior to the purchase of the insurance, would not offer any cancellation protection. That is why exactly the same policies purchased in advance will cost more than those purchased just before departure simply because they offer greater protection from the time you secure a certificate of insurance.

When should you purchase? Only you can make that determination based on what you consider to be your own level of acceptable risk, but a useful rule of thumb to consider is, at what date is the cost of the insurance, more (or less), than any cancellation penalties you stand to lose?

































Countries specified for Insurance

Ensure you list each and every country you intend to travel to OR plan to transit/through. 


Staff travellers should be especially mindfully of detailing all countries you intend to transit through without confirmed tickets. If you are offloaded or delayed in transit, the policy will not cover you if you have not specified that country in the policy.

Cruises - Annual Multi-Trip

Annual policies cover cruising as standard. 


They are therefore easier to quote as simply indicate USA/Nepal or NOT USA/Nepal

and then list all ports of all

Cruising - Single Trip Policies 


WARNING: It is ABSOLUTELY CRITICAL for Single Trip Policies that you declare if you will be cruising and to which region. Single Trip Cruise Regions are:

Australian Waters
South Pacific Cruise
Mediterranean Cruise
European River Cruise
Caribbean Cruise
Alaskan Cruise

If there is no option for the region you are cruising then select worldwide cruising.

You must also list the countries for each port of call.

Single Trip Policies ONLY  ... this is where you will find cruising regions


Covid Coverage

All Single Comprehensive and Annual Multi-Trip policies include coverage for Covid events.


WARNING Essentials Plans have no Covid cover.

There are two elements to Covid cover which confuse many people,


1/ Cancellation cost,

2/ Medical/repatriation coverage.


Single Comprehensive and Annual Multiple provide BOTH cancellation and medical


Cancellation costs due to Covid

Both the Comprehensive/Annual Multi policies provide coverage for cancellation fees due to 8 covid specified reasons up to $2500 per person. If your policy is for one adult, that is $2500. If for two, that becomes $5000. You can add children to any policy but this limit of $2500 per adult will not increase.


Insurance 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, including vaccination advice where applicable. 


Medical costs and repatriation due to Covid

Comprehensive/Multi policies will both cover medical expenses and repatriation costs due to covid. These are different and are not restricted to the $2500 per adult for cancellation fees, up to set limits and relevant clauses of each policy.


Age limits

No age limits! But obviously, the cost of insurance increases with the risk. Expect policies for those over 70 to be expensive, as up until now it was almost impossible to secure insurance over this age.

Children covered at no additional charge

If they fall within the below definition, they can be added to policies at no additional charge.

Your children, stepchildren, grandchildren, foster children, and children for whom you are the legal guardian, who are travelling with you on the same itinerary for the entire duration of your trip and at the time the Certificate of Insurance is issued are:

  • under 25 years of age, and

  • working less than 30 hours per week.

 How to add Children: Start your quote for two adults and you will be asked to add dependants at a later time



Can singles who are not in a relationship or live in the same household purchase a joint Multi-Trip policy?

Yes, and there is no requirement to travel together.


Pre-existing medical conditions

Up to 40 conditions are automatically covered. For many other conditions, you can complete screening online and have your quote adjusted accordingly. Others may need you to contact the nib Pre-Existing Health Team, for clarification and pricing.


What is not covered 

To ensure you don't get caught out,  you must read the Product Disclosure Statement and the terms and conditions in full, which are an essential part of your quote/policy.



If you are happy with the quote, simply make a payment online with a credit card. 




You will not be covered if you travel to, or remain in, a country on the Do Not Travel List. Check prior to making payment, before departure and during the course of your international travel.



You must first generate a quote via the attached link then call 1300 410 272 and advise them of your Quote Number. (Monday to Friday. 9 AM to 6 PM). With nib, unlike many other providers, you will speak to a real person here in Australia.


The FAB 20% Discount Link

The button below will take you to the Single Trip page


If you want a Multi-Trip Quote, from the same start page, scroll down and select Multi-Trip 

PRO TIP To save time, comparing single and Multi Trips,

after entering basic info (age/countries/start date) hit select

Then on the second page hit Save and Email Quote

NB Essential single trip policies do not offer Covid Protection

 If this button doesn't work click the link below. This you can also copy and paste to share with friends

Why choose nib?


  • nib has 24-hour support with call centre staff based in Australia and international phone numbers you can access around the world.

  • Many online insurance providers have no call centres or anyone you can speak to before your policy commences or during the claim process.

  • Other providers may require you to purchase cover more than 21 days prior to departure otherwise any Covid event will not be covered.

  • Other providers have specific cruise coverage, but if you read the fine print, they may not cover Covid once you board a cruise ship or any time after that. 

  • Credit card insurance may not provide the cover you expect, ask us for our Credit Card Myths Flyer and a checklist you can use to check your level of protection.

  • We offer policies with no age limits and single trips in excess of 60 days.

  • Our multi-trip annual policies are now offered by very few providers.

  • Often times our annual multi-trip policy will work out cheaper than a single-trip policy.


For all technical questions about what is covered and preexisting medical


Call nib on 1300 410 272 

(Monday to Friday. 9 AM to 6 PM)


James Hardy - 0430 200 535

Owner Fab Interline Cruises

Senior Agent KVI Travel


Fab Interline Cruises, ABN 19610361025 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 Fab Interline Cruises. Fab Interline Cruises acts as an agent for nib and not as your agent. Fab Interline Cruises can not 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.