Make Sure You're Protected with nib Insurance
Make sure you and your loved ones are protected in the event of injury, loss or damage by taking out travel insurance prior to your expedition. Some expedition cruise lines even make it a condition of travel that you hold a suitable travel insurance prior to boarding the ship. At Expedition Cruise Specialists we can assist you with a policy provided by nib, who themselves have many years experience helping expedition travellers in their hour of need.
nib offer a number of policy options, from Essentials coverage through to the Comprehensive policy for a more premium cover.
Quite often, we think of travel insurance as an unnecessary expense, until something goes wrong…
Did you know that an overnight hospital stay in a foreign country can cost in excess of $10,000? Or that if you require medical repatriation to your home country the bill can run into the hundreds of thousands of dollars? It’s when unforeseen emergencies like this occur that your travel insurance will be there to help, and save you from the massive bills. And they can also help if your luggage gets lost, or your flight cancelled.
Important note: While some credit cards come with a travel insurance feature, it’s really important to understand what your credit card covers you for in the event of an emergency. Quite often, credit card-based insurance provides lower coverage, limited provisions and the requirement to pay for a significant percentage of your holiday on that card prior to your insurance being activated. In many cases, the extra peace of mind in obtaining coverage from nib more than makes up for the additional expense.
Travel Alert/Important Information
Our 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.
Coronavirus has changed travel for everyone and even though you might be ready to hit the road (or sky), when it comes to travel insurance, it’s more important than ever to know exactly what you are and aren’t covered for before you go.
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.
Frequently Asked Questions
What do I do if I get Coronavirus (COVID-19) before my trip?
Isolate! And seek appropriate medical attention.
Don’t delay the cancellation of your plans. If you know you need to cancel, contact your providers as soon as possible to maximise the opportunity of refunds from your providers.
Depending on the plan you have chosen, you may be able to make a claim for non-refundable travel costs under the Coronavirus Travel Costs section of the plan up to the benefit limit.
What do I do if I get Coronavirus (COVID-19) on my trip?
Contact nib’s Emergency Assistance team. Utilising a global network of medical providers, the team can connect you with local medical facilities. They can also assist by getting in contact with friends and family where needed.
Always keep receipts for any payments you make and wherever possible, request written reports from providers or local authorities.
Follow travel and health advice – different countries have different rules. What’s ok in Australia may not be ok in the countries you visit.
Our International plans include emergency overseas medical cover if you contract coronavirus while travelling.
If I need medical treatment overseas, will you only pay up to $2,500?
Rest assured that if you incur medical expenses overseas for an event covered under the policy, including if you contract Coronavirus (COVID-19) and it’s not related to an ‘existing medical condition’ (as defined in the PDS), then coverage is offered up to the Medical benefit limit. Just make sure you contact nib’s Emergency Assistance team so they can help.
The Coronavirus Travel Costs benefit (for other non-medical coronavirus related events, where included on the plan you have selected) has a limit of $2,500 limit for a single policy (and $5,000 for a family policy); this is separate to the benefit limit available for medical expenses incurred overseas.
Need to make a claim?
Sorry to hear your trip didn’t go as planned. At least making a claim is a simple process. Get started here.
Call today to ask us for a quote
Expedition Cruise Specialists Pty Ltd, ABN 41 606 209 689 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 Expedition Cruise Specialists Pty Ltd. Expedition Cruise Specialists Pty Ltd acts as an agent for nib and not as your agent. Expedition Cruise Specialists Pty Ltd 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.