nib Travel Insurance Review

Do not use NIB Travel Insurance – I want to share my experience with NIB Travel Insurance, which was incredibly frustrating and stressful during a challenging time. Do not purchase this product. I wish I had of read the reviews BEFORE I went and purchased this annual policy. Firstly, they are Impossible to contact via phone or WhatsApp when you are in a 3rd world country. Who can call from a landline? Give us a WhatsApp number. I sent an email with a full description of my accident and photos. Just asked them to get me home 1 day earlier. But no, blah, blah ….<br/>Initially, when I needed assistance, I was met with minimal communication. Sorry, here is an incident number, send us some more details and we will assign a nurse. How can we best assist you? Meanwhile I could be dying. What’s the best step moving forward. I clearly outline the accident, sent many photos of the blood and injuries and said get me home a day earlier.<br/>They did nothing to help me except a few useless emails like this was a joke. I found NIB's support to be actually negligent. I urge anyone considering their travel insurance to think carefully, as the service I received was far from satisfactory.

Same experience like everyone else. Flight cancelled when I was at the airport with kids late night and still NIB doesn't cover for the taxi. Doesn't cover for the loss of rental vehicle which I booked because of so many exclusions. End up wondering why I bought this policy at first place.

They are the worst.<br/>They are happy to tell you how you will be covered for delays and expenses in your international travels.<br/>We are a party of 3 that got delayed in Auckland for 3 nights due to airline issues and then were waiting for 13 hours for connecting flights in Satiago de Chile.<br/>However, when we returned home to Australia and place a claim for our expenses and loss of paid accommodation the claim was denied since it was not the right reason according to their policy.<br/>Basically, they will never pay you for any claims since they are lots of loopholes for them to fall back to.<br/>Better save your money just in case you have unexpected expenses.

My airline didn't show up during my trip between states and I had no idea until I showed up at the airport so I did the right thing and booked another airline and kept all my receipts for another flight and an extra night stay in the city after being left stranded and NIB still didn't pay my claim because they wanted a letter from the airline that left me stranded stating WHY they didn't show up! I have never in my life of travel heard of an airline having to do this and NIB did not care . I tried to get that letter from the airline and naturally got no response and even after contacting my travel agent she was astounded that NIB asked for such a request! They kept coming up with excuses and every time I tried calling them I was on hold for a minimum of 45 minutes. I have told every single person I know who travels including my travel agent to not use them and I am 4 figures out of pocket . I had a great holiday but NIB left a sour taste in my mouth the way they treated me. Stick to health insurance and leave travel insurance to the experts because you have no empathy for your customers whatsoever!! My claim took over 5 months to resolve and never did anyone from NIB call me. I always had to chase them up and I only received emails from them asking for all these ridiculous documents which I had never heard of in previous claims. I was very confident my claim would be paid but astounded it was declined . I have used them once but never again and no friends and family of mine will either .

- Claim for a cancelled trip due to serious injury submitted 12 Dec 2022 with medical records.<br/>- Claim number provided by NIB on 21 December 2022.<br/>- Follow up email sent to NIB on 30 December 2022 asking if the claim had been accepted, whether they required any further information and when it will be paid. No response from NIB.<br/>- Emailed NIB again on 17 January 2023 requesting a response, and requesting the claim be paid. No response from NIB.<br/>- Raised a complaint with NIB on 25 January 2023. No response to date (13 February 2023)<br/>Avoid NIB travel insurance at all costs.<br/>This is in comparison to my bike insurance with Velosure for the same incident. I provided them all the information they kept me updated on the status each week, approved the claim and paid out in January.

I recently returned to Australia after being hospitalised in Ciwec Hospital Kathmandu Nepal (Ciwec) for three weeks following a trekking mishap. I required emergency surgery for a perforated bowel and a staph infection prolonged my hospital stay.<br/>NIB Travel Insurance worked closely with Ciwec to ensure I received first class hospital and medical attention. <br/>Understandably there were holdups with correspondence and information sharing given the remote location, time difference as well as telephone issues ( I did not have a local Nepal sim card so I was relying on wi-fi which at times was not satisfactory, which was not NIB fault).<br/>Nonetheless, NIB was fully supportive of the decisions and health care that was provided by Ciwec Doctors, Nurses and Surgeon and I had no problems at all with NIB covering all costs at Ciwec - it cost me A$250 excess for emergency surgery, three days in ICU and 18 days in General Ward. NIB also upgraded by air flight home from Kathmandu to Brisbane together with assistance at Kathmandu and Singapore airports. <br/>My sincere thanks to NIB for their extraordinary service, assistance and care for the time I was admitted at Ciwec until when I arrived home safely in Brisbane. A special thank you to the Emergency Assistance Team especially Tina and Joanne.

Don’t use they never get back to you or email and say there is no team leader or manager you can talk to! Save your money go elsewhere.

I had bad experience with Nib . They delayed to contact customer even emailed said there staff with contact within 10 days but it’s has been already nearly a month and havent heard anything from them .

I lost cash on a bus (first time ever on my travels and I have travelled the world). I was too busy by myself watching out for my four year old daughter on bus. Reported promptly to Honolulu Police who were amazing. NIB hasn’t asked many questions for an immaterial sum of money. Probably not worth being insured then as I have never made a claim on travel or health insurance. Do not recommend!

I travel a lot and always get travel insurance, generally through Covermore. I thought I'd give NIB Travel Insurance a go as I was offered 10% off the policy as I held health insurance. I made a claim and they would not cover it. I dropped my phone and they wanted me to report that to a police officer. Never have I ever had a problem with travel insurance. DO NOT GO THROUGH THIS COMPANY. Go with Covermore or a company you can really rely on.