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    Medical Condition

    An pre-existing medical condition is any medical condition which:

    At the time you buy your policy is:
    • taking medication, chronic, displaying symptoms, under investigation, pending follow-up, consultation, treatment or surgery; or where these are recommended or planned; metastatic or terminal
    To include a medical condition you will need to complete a medical screening? 
    1. Entering your trip details (Age, Destination and Travel Dates) to get a quote.
    2. Compare quotes and view PDS and then click on the "Continue" button. 
    3. You can add 'Snow Sports' or 'Mountaineering" if required on this page or you can just click 'Select' if these activities aren't required. 
    4. On the following page you can complete a medical screening to determine if you can receive cover for your pre-existing medical conditions.

    Snow Sports

    Snow Sports is available as an optional extra on all international policies.

    To add on Snow Sports Cover or Off-Piste Snow Sports cover please get a travel insurance quote, compare quotes and PDS and then click on 'Continue Button'.

    On the following page you can;

    $0 Excess

    By selecting this option, you’ll be charged an additional premium. You can uncheck this box if you don't want to reduce your excess. Different excess options are available when you "Get a Quote".

    Variable excess option. An excess is the amount that is deducted from your claim payout. A standard excess of $250 applies to most claims. By selecting this option, you can reduce your policy excess amount to $0 on some plans. An additional excess may apply to specific medical conditions. This excess cannot be removed.

    Cruise

    Cruising is covered as standard. If the cruise only stops in one country, just select that country. If the cruise stops at multiple destinations, add each destination. 

    • If you are travelling to 'New Caledonia', please also add in 'South Pacific Cruise' so cruise is displayed on your Certificate of Insurance. 
    • If the cruise only visits stops within Australia, make sure you select ‘Australian Waters’ option and NOT just Australia.

    If you get sick aboard a cruise while traveling under one of our international policies, we can offer overseas medical cover on board, including if you contract Coronavirus during the trip. Make sure you’re following all relevant government and official advice. All policy terms, conditions, limits and exclusions apply, and you should be aware there are things we don’t cover, such as your cruise being cancelled by the provider due to an epidemic or pandemic.
    Click the link to find out more about travel insurance for cruising.

    Activities

    Travel Insurance Saver cover over 120 activities. Find out more information regarding activities that may be covered while you are travelling overseas. Further information regarding activities such as hiking, golfing, canoeing, hot air ballooning please click through to the Activities Page - Travel Insurance. Terms and conditions apply, please refer to the Product Disclosure Statement before deciding.

    Already Overseas

    If you are already overseas and need travel insurance due to your previous policy expiring, or you forgot to buy travel insurance and need to be covered while overseas and for your return trip back to Australia you can purchase while overseas. The trip must end at your home in Australia.

    You must include all overseas destinations that you will be travelling to and your current overseas location. 

    There is a 48 hour waiting period, before benefits apply for all policies purchased when you are already overseas. Click here to find out more

    Annual Multi Trip

    Annual Multi Trip Plan, trip(s) means any travel up to 31, 45, 62 & 91 days in duration based on the plan you select. This duration is between the departure date and return date shown on your Certificate of Insurance. Each trip must:
    • Start and end at your home in Australia, and 
    • Be to a destination of at least 100km from your home in Australia, and 
    Designed for people who are travelling internationally and may also be travelling domestically. 

    Children & Under 18's

    Cover is extended to include your children or grandchildren not in full-time employment who are under the age of 18 and are travelling with you for the entire duration of your journey. It is a condition of cover that any accompanying children are noted on your Certificate of Insurance.

    Child/Children must be the children or grandchildren of an adult traveller that is on the same policy.

    If there is a child under 18 that is not a child or grandchild of an adult traveller (over 18) on the policy please get a separate quote to apply travel insurance correctly.

    Coronavirus - Medical

    Medical cover is included on all international policies for Corona Virus. If you need to be treated for coronavirus while travelling with will be included under Overseas Medical Expenses & Assistance.

    Cruise

    Cruising is covered as standard on all international policies. If the cruise only stops in one country, just select that country. If the cruise stops at multiple destinations, add each destination.

    If you are cruising within Australia please select ‘Australia – Cruises’, selecting just ‘Australia’ does not cover cruising. 

    Find out more about Cruise Travel Insurance.

    Motorcycle

    As a driver, you must have a valid Australian motorcycle licence. You must be wearing a helmet. There are no cc limits that apply.


    If you are a passenger of the drive must have a motorcycle licence that is valid for the country you are travelling in. 

    Click on the link to find out more about Motorcycle Travel Insurance. 

    One Way

    Policies are available for one-way travel insurance overseas;

    • Where there is no intention to return to Australia 
    • You don't hold a return ticket 
    • If you are already overseas and want to return back to Australia - There is a 48 hour waiting period, before benefits apply for all policies purchased overseas. You must be returning back to Australia. 

    Enter your departure and return dates which would be your active dates of insurance. Trip must start or end at your home in Australia.

    Find out more about one way travel insurance. 

    Regions and Stopovers

    Please include all destinations that you will be travelling to. The region will be based on the destination you have entered. You can extend and update your policy if your plans change by logging in before your policy expires to amend your policy.

    We have 5 regions 

    • Worldwide 
    • Worldwide Excluding USA, Canada and Antarctica. 
    • Asia
    • South Pacific
    • Australia
    We cover all destination in that specific region, excluding any 'Do Not Travel' or 'Sanctioned' countries. 
     
    Stopovers
    We cover up to 48 hours for stopovers on the way or way back from your destination. 

    Schools & Groups

    If you’re in need of travel insurance for a group, then Travel Insurance Saver may be able to provide group travel insurance or school group travel insurance.

    Please click on School Group Travel Insurance to apply for an instant quote.

    Or Please click on Group Travel Insurance for more information.

    Budget Travel Insurance

    Cheap Travel Insurance

    Get Budget Travel Insurance Online for Your Upcoming Journey

    Planning a trip but worried about unexpected costs? Travel insurance doesn't have to break the bank. Explore budget-friendly options that prioritise essential coverage like medical emergencies and trip cancellations, so you can travel with peace of mind without overspending. Learn how to find the budget travel insurance for your needs and get a free quote today!

    Finding Affordable Travel Insurance Online

    Planning a trip can be exciting, but unexpected events like medical emergencies, trip cancellations, or lost luggage can put a damper on your adventure and your wallet. That's where travel insurance comes in. It helps protect you from financial losses due to these unforeseen circumstances.

    If you're traveling on a budget, you might think travel insurance is an unnecessary expense. However, there are affordable options available, especially if you prioritise essential coverage.

    Cheap Travel Insurance Options

    Travel Insurance Saver (TIS) offers budget travel insurance options to keep you covered while being cost-conscious. Whether you're looking for a one-year travel insurance plan with essential medical coverage or a multi-trip policy for frequent travellers, TIS has options designed with affordability in mind. All policies include 24/7 emergency assistance to support you while overseas.  

    Why Consider Travel Insurance?

    Travel insurance provides a financial safety net for several common travel problems. Here are some key benefits:

    • Medical Expenses and Assistance: Medical emergencies abroad can be costly. Travel insurance can cover overseas emergency medical expenses, hospitalisation, and provide 24/7 access to an emergency assistance team. This could include coverage for doctor's visits, surgery, or emergency medical evacuation.  
    • Personal Liability: If you accidentally injure someone or damage property while traveling, personal liability coverage can help protect you from legal and medical costs.  
    • Travel Delay and Trip Cancellation: Unexpected events like flight cancellations or natural disasters can disrupt your travel plans. Travel insurance can reimburse you for non-refundable expenses like flights, accommodations, and tours. 
    • Rental Vehicle Insurance Excess: If you plan to rent a car during your trip, this coverage can help cover excess costs in case of accidental damage to the rental vehicle.  

    Types of Budget-Friendly Travel Insurance

    One-Year Medical Only

    This plan provides medical-only coverage that can be selected for up to a full year, offering emergency medical assistance and overseas hospital care without paying for extra benefits you may not need. This is a suitable option for travellers who prioritize medical coverage and plan to travel for an extended period.  

    Short-term medical only travel insurance for cost effective trips

    For budget-conscious travellers, a Medical Only policy may provide the coverage you need to handle emergencies without the extra cost. It covers medical, hospital, and evacuation expenses, making it ideal for extended travellers on short overseas trips.

    Key points to note about Medical Only cover:

    • It is the most affordable type of travel insurance.
    • It is suitable for travellers who are comfortable with a basic level of cover.
    • It does not include coverage for trip cancellation, lost luggage, or other non-medical expenses.

    Backpacking Travel Insurance

    Budget Multi-Trip Travel Insurance

    If you travel often, the Budget Multi-Trip policy covers multiple trips within a 12-month period, ensuring you're protected on each journey without buying separate policies each time. Trips are covered with options of 31, 45, 62 & 93 days (45 days if you are 81 years of age or over), making this ideal for frequent budget travellers.  

    Snow Sports

    For budget travellers wanting a bit more coverage, optional extras include:

    Cruise Cover

    Choosing the Right Level of Coverage

    Travel insurance can be tailored to your specific needs and budget. Here's a simple breakdown of the common types of coverage:

    • Medical Only: Provides essential medical coverage, including emergency medical expenses, hospitalisation, and evacuation. This is the most budget-friendly option.
    • Essentials: This level typically includes Medical Only benefits plus additional coverage for lost luggage, personal liability, and some trip cancellation coverage.
    • Comprehensive: Offers the most extensive coverage, including all the benefits of Essentials plus additional coverage for events like rental car excess, travel delays, and a wider range of unforeseen circumstances.

    Frequently Asked Questions (FAQ)

    What does budget travel insurance cover?
    Our budget travel insurance focuses on essential medical coverage. It's a cost-effective choice for travellers who prioritise emergency medical care and assistance.  

    Is there 24/7 emergency assistance?
    Yes, the 24/7 emergency assistance are available 265 days, 7 days a week to provide prompt support worldwide for any travel emergencies.  

    Can I choose budget multi-trip travel insurance?
    Absolutely. The Budget Multi-Trip policy is a flexible choice for frequent travellers looking to keep coverage costs low across multiple trips.  

    Is trip cancellation included?
    Budget travel insurance provides cancellation coverage for specific unforeseen events. Always review the policy wording to understand covered situations.  

    Can I extend my policy if I decide to travel longer?
    Yes, policy extensions are available if there are no claims made, and health conditions remain unchanged.  

    Get a Budget Travel Insurance quote today!

    Travel insurance is an important consideration for any traveller, even those on a tight budget. By choosing a policy with the right level of coverage, you can protect yourself from unexpected costs and travel with peace of mind. Get a quick quote today with Travel Insurance Saver and secure budget travel insurance for your next adventure!

    Cover is subject to the policy terms, conditions, limitations, and exclusions set out in the current Combined Financial Services Guide and Product Disclosure Statement (PDS). Read the (PDS) prior to choosing a travel insurance policy.
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    Disclaimer

    Travel Insurance Saver Travel Insurance is arranged by Insurance Saver Pty Ltd, ABN 18 624 919 366, AR no: 001263726 and is issued by Chase Underwriting Solutions Pty Ltd ABN 50 156 554 808 (AFSL No. 454344), one of Australia's leading insurance specialists. Chase Underwriting Solutions Pty Ltd is authorised by ASIC to issue, deal in and provide general advice on general insurance products. Chase Underwriting Solutions Pty Ltd issues certificates under a binding authority granted by Lloyd's.

    General Advice Warning - The information contained in this website is correct at the time of publishing. The website and any advice given is of a general nature and does not take into account your objectives, financial situation or needs. If you are considering acquiring our travel insurance, you should obtain the Product Disclosure Statement (PDS) and Target Market Determination relating to the product and consider this before making any decision.

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