Travel Insurance Saver
Single Trip Annual Multi Trip
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    2025
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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. 

    Covid-19 Medical is automatically included under "Overseas Emergency Medical Expenses". 

    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.

    Brunei - Geography

    Brunei Darussalam lies on the northwest coast of Borneo Island, where it faces the South China Sea. With a land area of 5,765 square kilometres, it shares a common border with Sarawak, an east Malaysian state, which divides Brunei Darussalam into two, the eastern part is the Temburong District while the western portion consists of Brunei-Muara, Tutong and Belait districts. 

    Looking for Annual multi-trip Travel Insurance?
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    The 570-sq.km. Brunei-Muara District, where the capital, Bandar Seri Begawan is located, is the smallest, but the most important and populous of the four districts. 

    Looking for Business Travel Insurance?
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    The Belait District, the centre of the oil and gas industries, is about 100 klms from the capital.

    Looking for cover for cancellation costs?
    Find out more about travel insurance with cancellation cover.

    Hilly lowlands, swampy plains and alluvial valleys dominate the Brunei-Muara, Tutong and Belait districts in the larger western portion of the sultanate. 

    Mountainous terrain dominates in the eastern district of Temburong which has a land area of 1,288 sq.km. To the east, the wide coastal plain reach up to 1,841 metres above sea level on Mount Pagon in the Temburong District. 


    River System

    Four main river Systems irrigate the four districts of Temburong, Belait, Tutong and Brunei-Muara.

    Temburong, the smallest of the rivers, drains nearly the whole district.

    The 2,700 sq. km. Belait basin has the largest area. The upper catchment is mostly jungle and is sparsely populated. Sandbars at the river mouth restricts shipping and water flow to the South China Sea.

    Looking for Cruise Travel Insurance?
    Find out more about travel insurance for cruising.

    The Tutong river covers the 1,300-square kilometre Tutong Basin. Sandpits and sandbars make a complex estuary system at the Tutong river. Subject to high tidal influence, its lower catchment area has a flood plain. Dense mangroves and nipah palms, a rich breeding ground of coastal fisheries, cover the lower parts of rivers near estuaries. Pristine tropical jungles and valuable freshwater sources are the upper reaches of Brunei river. The Brunei River runs into the Brunei Bay.

    Islands

    Within the Brunei border are 33 islands with a total area of 7,939 hectares or 1.4 per cent of the total land area. Offshore are two of these islands while the others are in inner Brunei Bay and in the country's major rivers. Mostly jungle covered, their sandy beaches face the open sea and mangroves of areas facing inland.

    Looking for Cruise Travel Insurance?
    Find out more about travel insurance for cruising.

    Largely uninhabited, the islands are an undisturbed environment, and a breeding ground for endangered species.

    Mangroves

    Primary tropical jungles cover about 75 per cent of Brunei. About three per cent of the total land area, or 18,814 hectares, are relatively unexploited and among the best-preserved mangroves in the region.

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    Of Brunei mangrove flora identified, 88 species are flower plants while 33 are ferns. There are a variety of insects, crabs, snails, shrimps, prawns, fish, otters, turtles, lizards, bats, flying foxes, bird species, especially kingfishers, monkeys (including the rare proboscis monkey) and crocodiles in the less accessible swamps.

    Back to Brunei Travel Insurance page.

    Before choosing a policy, please be aware that terms and conditions, exclusions, limits and/or sub-limits will apply to most sections. It is important to read the Product Disclosure Statement (PDS) before making any purchase to ensure the cover provided matches your specific requirements.