Already started travelling and wanting to purchase a travel insurance policy?
If you have already started travelling and have not taken out a travel insurance policy, it may still be possible to purchase a travel insurance policy online. Please read the following article for some information regarding taking out a travel insurance policy after you have started travelling.
Looking for Travel Insurance and you have already departed Australia?
For more information, please visit the homepage and ‘get a quote’, you’ll be able to view the available travel insurance plans depending on your trip details, as well as read the Product Disclosure Statement, and/or speak to our staff for more information.
Already overseas and need travel insurance?
If you’ve already started travelling and subsequently your Certificate of Insurance is issued, then the following applies:
72 Hour Waiting Period
A
72-hour waiting period applies from the time the Certificate of Insurance is issued before cover for any events begins. However, if after the trip departure date noted on your Certificate of Insurance and before the end of the 72-hour waiting period you suffer an injury as a result of an accident, cover as per the conditions of Medical expenses and Medical evacuation and repatriation begins from the time of the accident for that injury.
Cover for all other events only begins after the 72-hour waiting period and is only for events first occurring after the 72-hour waiting period.
Where you select a trip departure date that is more than 72 hours after your Certificate of Insurance is issued even though you’ve already started travelling:
- Cover under the benefit section Cancellation or holiday deferment costs and events 1 to 5 under the benefit section Coronavirus travel costs (only available under Australia travel insurance and Comprehensive travel insurance plan) only begins after the 72-hour waiting period, and is only for any events first occurring after the 72-hour waiting period; and
- Cover for all other benefits and events begins from the trip departure date you nominate that is shown on your Certificate of Insurance and is only for events first occurring after the trip departure date.
Already overseas, when does the travel insurance cover begin and end?
If you are already overseas when you take out your policy a 72-hour waiting period applies from the time of purchase. Cover ends when you return to your home in Australia or when the period of insurance ends, whichever happens first.
When does cover for all other benefits and events begin and end?
Cover under all other benefits and events begins when you leave your home in Australia to begin your trip or the departure date of the trip shown on your Certificate of Insurance, subject to 72-hour waiting period if you’ve taken out your policy after you’ve already started travelling, whichever happens last. Cover ends when you return to your home in Australia or when the period of insurance ends, whichever happens first.
When does the policy begin and end?
Once you pay your premium, your application for insurance has been accepted then you will issue you a Certificate of Insurance showing the details of your policy. Cover is available for a trip to be taken during the period of insurance (which begins from the departure date and ends at 11.59pm AET on the return date, which are shown on your Certificate of Insurance).
Definition of Trip
In the case of the Comprehensive, Essentials and Bare Essentials Plans: cover means travel during the period between the departure date and the return date listed on your Certificate of Insurance. The trip must start or end at your home in Australia. The period of travel cannot be altered without the consent of nib Travel.
Get a quote travel insurance quote if you are already departed Australia.
Cover is subject to the policy terms, conditions, limitations, and exclusions set out in the current Combined Financial Services Guide and Product Disclosure Statement (PDS). Make sure you’ve read and understood the (PDS) prior to choosing a travel insurance policy.
