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.

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 >

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

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.

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.

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.

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.

Yes, and there is no requirement to travel together.

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)

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)

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.

If you are happy with the quote, simply make a payment on the nib website with a credit card.

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

No. This offer is only for Australian residents.

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.