FAB Discounted Travel Insurance

All prices for insurance are in AUD

A quick guide to understanding the nib travel Insurance we offer


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


Automatic Discount for QF Staff and Families

At the bottom of this email is a link that will automatically generate quotes with an instant discount of up to 20%. 

Examples of the discounts we offer the extended QF Family

All based on the same nib travel insurance 

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Market Leader
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NIB Direct
NIB Direct

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FAB Interline
FAB Interline
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Quotes are quick and easy and will take approximately 2 minutes.


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.


Which is best for you? Single Trip or Annual Multi-Trip?


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 few weeks up to 45 days then an Annual Multi-Trip may work out cheaper than single trip policies.

Which will be cheaper?


A Single Comprehensive Trip policy for a couple in their mid-'50s for a one/two weeks will likely have a cost of several hundred dollars. Extend that up to a month and that single trip policy could approach $1000. Single trips can be extended out to many months.


Annual Multi-Trip policies permit numerous trips a year and potentially may be similar or even cheaper in price.


Multi-Trip policies have a limit of 45 days max for each trip.


Example: Single Trip Comprehensive (left) and Annual Multi Policies (Rights)

Calculations are indicative only):


The price of your quote will go up or down depending on when you start it


 You have a holiday that will start on 1 June.

Assume today is 1 January 

Scenario 1:
You pay for a 12 mth Multi-Trip Policy on 1 Jan 
With a commencement date of 1 June
You are issued a certificate of Insurance for coverage for 12 months from 1 June.

Scenario 2:
You pay for the same 12 mth Mult-Trip Policy today, 1 Jan
With a commencement date of 1 Jan
You are issued with a certificate of Insurance for 12 months of coverage from 1 Jan


Which scenario is the cheaper option? 

Scenario one will be much more expensive, potentially up to double the cost of scenario 2. Even though they are both for an annual policy with a duration of 12 months.

Why? .... Because by pushing out the commencement date, if you have an accident or medical emergency which means that you can't travel, even though the start date is 1 Oct, the policy will still cover cancellation fees, provided you have a certificate of insurance issued.

So although both policies on the surface only cover a 12 month period, the one with a commencement date of 1 Oct provides protection up to that date, which in effect extends the period of coverage, the risk and therefore the cost.


Countries specified for Insurance

Ensure you list each and every country you intend to travel to OR through, e.g. in transit. If you are offloaded or delayed in transit, the policy will not cover you if you have not specified that country in the policy.



It is CRITICAL that if you are going on a cruise, you indicate this on the policy. Use the cruise section to add these when selecting countries to visit  (far right of the drop-down menu). If you are only cruising in Australian waters, you will not be covered if you select Australia, but don't add cruising In Australian waters. 

Is Cruising covered?

Yes. Cruising is covered as standard.

If the cruise only stops in one country, just select that country. If the cruise only visits stops within Australia, make sure you select the ‘Cruising – Australian Waters’ option and NOT just Australia. (Far right of the drop-down screen)

If there is a ‘cruising’ option for the region (e.g. South Pacific cruise), select that region.


If there is no option to select cruising, you should enter the names of each of the countries where the cruise will dock. For example, a cruise in Asia may include Singapore, Thailand, Vietnam and Malaysia (among other countries). 


Covid Coverage

If you want this included you must select either Single Comprehensive OR Multi-Trip to get coverage.


Essentials Plans will not cover any Covid related events.


Cancellation costs due to Covid

Both the Comprehensive/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. 


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

The 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

Both our Single Comprehensive and Multi Policies have 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.

Are accompanying children covered at no additional charge?

Yes. 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.

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.



You can select the level of excess you wish to pay in the event of a claim. Any reduction in excess will increase the cost of the policy.


Valuable Items

We can offer increased coverage for valuable items over $1000 and up to $4000.


Skiing and other sports coverage

This can be added after your initial quote and before payment.


10% discounts for nib Health Customers

Have your policy number on hand before you request a quote.

QF Health Insurance 'may' be accepted by the system. But it is not guaranteed. 


Cooling Off period

As a general rule, we can provide a refund if requested within 21 days. But not once travel has started but this will depend on your policy.


Are valid for 30 days.

If you need to amend dates we can do that within the rules.

We can not shorten a trip, but we can always extend it, along with changing the start date.


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 www.smartraveller.gov.au/ 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.


Click this link for a fast and easy quote that will automatically generate an instant saving of up to 20% saving:




This link will take you to the Single Trip page.


If you want a Multi-Trip Quote, scroll down and select Multi-Trip


Examples of the discount you could receive off the base policy, as per the two examples above. Insurance is priced not unlike hotel rooms, and the base price is like a hotel rack rate. Few people pay that, but some do. Regards we should be approximately 10-20% cheaper than nib direct. If you find a cheaper price please let us know as we want to ensure we are, and stay that way.


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.