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Are you a nib healthcare member? Or maybe just looking for travel insurance from a provider that makes the well-being of Aussies its business? Either way, if you’re considering a nib travel insurance policy, we’ve got the lowdown to get you started. 

About nib

Established in 1952, nib is one of Australia’s fastest growing health funds. Along with travel insurance, they offer health and life insurance to Aussies and New Zealanders. Offering a range of competitive travel insurance options underwritten by Lloyd’s, nib has your wellbeing in mind.

Cover information and limits in the table below verified as correct at 31 May 2024. Other information correct at the time of writing.

nib travel insurance policies

When you buy a travel insurance policy from nib, you can choose between comprehensive or select coverage. As well as choosing cover for a single traveller or for a family. Take a look at the full list of options in the table below:

  • Events

  • Limits shown apply

  • Covid medical cover

  • Covid cancellation cover

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health illness

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Comprehensive

    • Per person

    • Unlimited

    • Unlimited

    • $250.00

    • Events
    • Choose $10,000 to unlimited

    • $12,000

    • Unlimited

    • Unlimited

    • $3,000

    • $8,000

    • $25,000

    • $12,500

    • $10,000

    • $3,000

    • $3,000

    • $3,000

    • $5,000

    • $2,000

    • $2,500,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
    • Essentials

    • Per person

    • Unlimited

    • $100,000

    • $250.00

    • Events
    • Choose $5,000 to $40,000

    • $5,000

    • $15,000

    • $25,000

    • $3,000

    • $10,000

    • $1,000

    • $1,000

    • $1,000

    • $2,000

    • $1,000

    • $1,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    More info
  • Events

  • Limits shown apply

  • Covid medical cover

  • Covid cancellation cover

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health illness

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Comprehensive

    • Per group

    • Unlimited

    • Unlimited

    • $250.00

    • Events
    • Choose $10,000 to unlimited

    • $24,000

    • Unlimited

    • Unlimited

    • $6,000

    • $16,000

    • $50,000

    • $25,000

    • $20,000

    • $6,000

    • $6,000

    • $6,000

    • $5,000

    • $4,000

    • $5,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
    • Essentials

    • Per group

    • Unlimited

    • $500,000

    • $250.00

    • Events
    • Choose $5,000 to $40,000

    • $10,000

    • $30,000

    • Unlimited

    • $6,000

    • $20,000

    • $2,000

    • $2,000

    • $2,000

    • $2,000

    • $2,000

    • $2,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    More info
  • Events

  • Limits shown apply

  • Covid medical cover

  • Covid cancellation cover

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health illness

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Annual Multi Trip

    • Per person

    • Unlimited

    • Unlimited

    • $250.00

    • Events
    • Choose $10,000 to unlimited

    • $12,000

    • Unlimited

    • Unlimited

    • $3,000

    • $8,000

    • $25,000

    • $12,500

    • $10,000

    • $3,000

    • $3,000

    • $3,000

    • $5,000

    • $2,000

    • $2,500,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
= Covered = Not covered

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).


Are pre-existing medical conditions covered under nib travel insurance policies?

There are over 30 medical conditions that will be covered automatically and at no extra charge under nib travel insurance policies. Some conditions may have special eligibility criteria, so it's final to read the PDS and reach out to nib if you're not sure about your personal circumstances. You should always declare a pre-existing condition to your travel insurance provider to have on your certificate of insurance, otherwise, any claims you later make related to your condition may not be eligible. 

What optional additions are there with a nib travel insurance policy?

With a nib travel insurance policy, you’ll have the option to add extra features to tailor your cover to your trip. You can choose to increase cover for valuable items or for rental vehicles, to remove excess by paying an extra premium, or to add cover for snow sports to your policy.

Is it possible to cancel my nib policy?

Yes! You have 14 days to cancel your policy and get a full refund of your premium. You can also cancel after this cooling-off period, but you won’t be entitled to a refund. You also aren’t entitled to a refund if you’ve made a claim on your policy or have already started your trip.
To cancel, just give nib a call.

How to make a claim with nib

If all goes according to plan, you’ll never need to know how to make a claim on your travel insurance policy. But sometimes the unexpected does happen, so it’s a good idea to know the process and keep in mind what you need to do to make your claim successful. Here are a few key steps to making a claim with nib travel insurance:

How is nib rated by the Mozo Community?

Read how the Mozo community has rated nib travel insurance policies and services on a number of factors ranging from value for money to customer satisfaction.

nib travel insurance
5.7

Overall 5.7

5.8

Value for money

6.7

Policy coverage

5.8

Customer service

3.0

Claims handling

5.6

Trust

9 Reviews

Recent nib travel insurance customer reviews Recent nib travel insurance customer reviews

nib logo

nib Travel Insurance review

Overall rating   1 / 10

Don't use NIB Travel insurance

Double standards, asking for documentation that has absolutely no bearing on the result of whether the claim should be paid. Asking for qantas to provide a letter why the flight was cancelled is outrageous. Proof was supplied that the flight was...

Full review

Double standards, asking for documentation that has absolutely no bearing on the result of whether the claim should be paid. Asking for qantas to provide a letter why the flight was cancelled is outrageous. Proof was supplied that the flight was cancelled via email and sms. NIB does thus to bully you into submission and they hope you find it all to difficult and give up. Shane on you NIB.

    Value for money   4 / 10

    Policy coverage   3 / 10

    Customer service   1 / 10

    Claims handling   1 / 10

    Trust   1 / 10

Less

Phillip, New South Wales, reviewed over 1 year ago

nib logo

nib Travel Insurance review

Overall rating   1 / 10

Don't use NIB Travel insurance

Nib are making my life a misery. My flight was cancelled by qantas. I received an sms in dubai from qantas advising of the cancellation. This resulted in me having to book another flight which I paid for. Nib will not payout until a letter is...

Full review

Nib are making my life a misery. My flight was cancelled by qantas. I received an sms in dubai from qantas advising of the cancellation. This resulted in me having to book another flight which I paid for. Nib will not payout until a letter is received from qantas as to the reason the flight was cancelled. Three other people with exactly the same insurance from nib who were with me on the same flight have been paid out without the need for a letter. Go figure . It all depends who reviews your claim. Pray you don't get Danielle. Nib are completely and comprehensively useless. I will never use them and nobody should either.

    Value for money   2 / 10

    Policy coverage   8 / 10

    Customer service   1 / 10

    Claims handling   1 / 10

    Trust   1 / 10

Less

Phillip, New South Wales, reviewed over 1 year ago

nib logo

nib Travel Insurance review

Overall rating   9 / 10

Good value

Competitive travel insurance Helpful with medical questions

Full review

Competitive travel insurance Helpful with medical questions

    Value for money   9 / 10

    Policy coverage   9 / 10

    Customer service   9 / 10

    Trust   9 / 10

Less

Christine, New South Wales, reviewed almost 2 years ago

nib logo

nib Travel Insurance review

Overall rating   10 / 10

Outstanding customer service, would recommend.

Nib customer service is good and ready to help you. I was charged extra fees for a dental treatment because I was misinformed by one of the representatives so the next time I called, the manager happily credited back the extra amount and adjusted...

Full review

Nib customer service is good and ready to help you. I was charged extra fees for a dental treatment because I was misinformed by one of the representatives so the next time I called, the manager happily credited back the extra amount and adjusted that into my premium. As a result it restores my faith into the company and I’m thinking of going for another product with them soon. Both me and my wife have Nib cover and we are happy with them. I think it's a customers duty to be informed before going for medical treatments to be better informed. I would recommend Nib to friends and family because they've always been really helpful and affordable.

    Value for money   8 / 10

    Policy coverage   9 / 10

    Customer service   9 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Mathilde, Queensland, reviewed over 3 years ago

nib logo

nib Travel Insurance review

Overall rating   0 / 10

Waiting to respond 40 over minutes.

I am a nib Heath member and thought it would be better to choose no for travel insurance. How disappointing, I was put on hold 45 minutes or more. What a shame. Very poor service, would never recommend them to anyone.

Full review

I am a nib Heath member and thought it would be better to choose no for travel insurance. How disappointing, I was put on hold 45 minutes or more. What a shame. Very poor service, would never recommend them to anyone.

    Value for money   1 / 10

    Policy coverage   1 / 10

    Claims handling   0 / 10

    Trust   0 / 10

Less

Balvindar, New South Wales, reviewed about 4 years ago

Hide reviews
Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews. Financial providers may, from time to time, offer incentives for reviews, regardless of the sentiment of the reviews.

Compare nib policies with other Australian insurance providers

Travel insurance is the most important thing you’ll pack for your upcoming trip, so why wouldn’t you take the time to compare all the options available to you and make sure you’re getting the best possible deal? And now, it’s easier than ever with Mozo’s travel insurance comparison tool to do the hard work for you. You just need to give us some details like your destination and travel dates, and we’ll show you a range of the travel insurance policy options that are available to you.

And while you’re there, hop across to our travel hub for all the latest hints, tips and tricks on saving money while you trek across the globe. If you’re in the market for some tips from genuine travellers like yourself, our best $20 series is a must-read for some ideas on how to spend an inexpensive afternoon abroad.