STI Surf Travel Insurance Pty Ltd ABN 79083338649 Limits, conditions and exclusions apply, STI Surf Travel Insurance/Global Surf Travel are an Authorised Representative of Cover-More Insurance Services Pty Ltd AFSL 241713. Insurance administered by Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713) and issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507). Any advice is general advice only. Please consider your financial situation, needs and objectives and read the Combined FSG/PDS before deciding to buy this insurance. DISCLAIMER: This email contains general information only. It does not take into account your objectives, financial situation or needs. Please read the relevant Product Disclosure Statement before acquiring any product mentioned in this email. This email is confidential and is for the intended recipient only. If you are not the intended recipient do not use or rely on this information. STI Surf Travel Insurance, ABN 79 083 338 649 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 STI Surf Travel Insurance STI Surf Travel Insurance acts as an agent for nib and not as your agent. STI Surf Travel Insurance 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. All of the information provided about World Nomads travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the World Nomads travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.