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Travel Insurance

Travel Insurance is highly recommended for all types of travel but especially cruising.

We are travel partners with nib and offer  competitive comprehensive rates with instant savings of up to 30%. Click the button below to generate instant discount.

We offer Single/Multi/Annual Trip policies with 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).

The cover you need when travellingˆ

^ Coverage is subject to the terms, conditions, limitations and exclusions for each policy, as contained in the Product Disclosure Statement.

  • 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.
  • I work for an Australian airline as a pilot or cabin crew, am I covered while on an overnight?
    When you are operating a pattern and staying in a company provided hotel you are considered to be at work. While carrying out your duties as an employee, you should be covered by your employer’s worker’s compensation insurance. That is if you become unwell or injured, while on an aircraft, in company provided transport, within the crew hotel and what is considered reasonable proximity to the crew hotel. There are limitations, and crew that choose to leave the city where they are staying might not be covered by worker’s compensation. The problem has been that for crew who choose to go "Off-Station", (for example a trip from LA to Las Vegas), up until now there have been no options available to provide insurance protection in the event of an accident, lost luggage, or if medical assistance is required. As we all know, in the USA especially, public liability and medical costs can be crippling. The good news is nib’s Annual Multi Trip Plan can offer protection for cabin crew and pilots. Even snow sports can be covered for an additional premium. The details of exactly what situations are and are not covered are laid out in the Product Disclosure Statement (PDS). Continue reading below for a quick summary of key features of this cover but it is critical that you read and understand the PDS in full. What is covered? When you go "Off-Station", you are not considered to be at work, and provided you abide by all the terms and conditions of the policy, the cover includes: Rental vehicle insurance excess Overseas medical expenses (including for COVID-19) Repatriation Cover for certain COVID-19 related events Accidental loss, theft or damage to luggage By paying an additional premium other options can be added to a policy such as: Snow sports cover option Specified items option for high value items over $1000 such as: Personal Electronics Sports and other leisure equipment Other luggage Travel within Australia too This same protection is also applicable to Domestic Crew patterns, or for travel undertaken on days off, with the proviso that the trip: starts and ends at your home in Australia is more than 200 kms from your home in Australia. includes travel by either pre-paid scheduled public transport or hire car, or include at least one night of pre-booked publicly available accommodation "Off-Station" Insurance cover for cabin crew and pilots Save up to 30% Annual cover from $466 (Single policy - Age 59) For the same low price you also get: unlimited annual leave + leisure trips that are less than 45 days international and domestic for trips more than 200kms from home children can be added for free Pay a higher premium to add: your spouse/partner if single, a fellow single traveller cover for snow sports or high-value items like jewelry and laptops In a nutshell nib’s Annual Multi Trip Plan provides cover when you are not at work. When you go "Off-Station' you are considered not to be at work. This is premium coverage that will cover you for holidays as well. Always refer to PDS for coverage details >
  • What about Corona virus coverage?
    All Single Comprehensive and Annual Multi-Trip policies include coverage for Covid events. Important: Essential policies have no Covid protection. ​ The two elements to Covid cover which confuse many people are cancellation cost and medical/repatriation coverage. Single Comprehensive and Annual Multiple provide BOTH cancellation and medical
  • What cancellation costs due to Covid are covered?
    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. Refer to the Product Disclosure Statement for detailed information.
  • What about medical costs and/or 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. Refer PDS for further info.
  • Are there maximum age limits?
    There are no age limits, however, 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.
  • Are children covered?
    Children are 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.
  • What if I have 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. 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)
  • 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. 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)
  • Am I covered in all countries and jurisdictions?
    No. You will not be covered if you travel to, or remain in, a country on the Do Not Travel List. Check www.smartraveller.gov.au/ prior to making payment, before departure and during the course of your international travel.
  • How do I make payment?
    If you are happy with the quote, simply make a payment on the nib website with a credit card.
  • Are there annual policies or just single trip policies?
    nib offers both single trip and annual policies. Covid protection is included in both Comprehensive Single Trip and Annual Multi-Trip Policies. Important: Essentials Single Trip policies have no covid protection
  • Is this offer open to people outside Australia?
    No. This offer is only for Australian residents.
  • Further questions?
    You must first generate a quote via the attached link then call 1300 410 272 (Monday to Friday. 9 AM to 6 PM) advise them of your Quote Number.. With nib, unlike many other providers, you will speak to a real person here in Australia.

How to get a quick quote in one minute

Follow the steps in the video 

Ensure you only select

Annual Multi Trip Plan

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

  • provide you with tips about how insurance pricing works

  • help avoid mistakes that can see claims knocked back

  • explain Covid provisions and limits

  • extra steps cruise passengers must take to be covered

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

 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 Product Disclosure Statement in full. Do not proceed if unsure.

 

Examples of the type of savings we offer on insurance

travel insurance comparison

Sadly gone are the days of underwriters offering heavily discounted annual policies to airline 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. We would 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.

 

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?

 

Firstly determine how many trips 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 in length, 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 cost 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 in length.

travel insurance quote

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:

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

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

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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

https://www.nib.com.au/travel-insurance/Turnstile/PartnerLink?partnerCode=FABIC&source=websale/

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.

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