For policies purchased before 01 September 2026
Villa Carlotta Travel Pty Ltd ABN 96 077 204 963 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 Villa Carlotta Travel Pty Ltd. Villa Carlotta Travel 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 Disclaimer Statement, Financial Services Guide and Target Market Determination 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.

For policies purchased after 01 September 2026
Villa Carlotta Travel Pty Ltd ABN 96 077 204 963 is a distributor on behalf of AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631, trading as Allianz Global Assistance (AGA). nib Travel Services (Australia) Pty Ltd (nib), ABN 81 115 932 173, AFSL 308461 acts as a third party administrator on behalf of AGA, managing claims, complaints, enquiries and sales. Terms, conditions, exclusions, limits and applicable sub-limits apply. This is general advice only. Before you buy, you should consider whether the product is appropriate for you, the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and Target Market Determination (TMD) available from us. This insurance is underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193, AFSL 523921.