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NQ Travel & Cruise Pty Ltd, ABN 63 683 934 554 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 NQ Travel & Cruise Pty Ltd. NQ Travel & Cruise Pty Ltd acts as an agent for nib and not as your agent. NQ Travel & Cruise 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.