Travel Insurance Saver
Single Trip Annual Multi Trip
    29
    March
    2024
    30
    March
    2024
    Traveller 1
    Traveller 2
    Child 1
    +Child/Children

    Medical Condition

    An existing medical condition is any medical condition which:

    At the time you buy your policy is:
    • chronic; or, 
    • displaying symptoms; or, 
    • under investigation; or, 
    • pending follow-up, consultation, treatment or surgery; or where these are recommended or planned; 
    • or metastatic; 
    • or terminal; or
    in the six months prior to the time you buy your policy there has been:
    • treatment by a medical practitioner; or 
    • medication prescribed; or 
    • surgery.

    Please refer to existing medical conditions that meet the criteria for automatic cover. 


    Do you want to complete a medical screening? 

    After entering your trip details (Age, Destination, Dates) to get a quote first. Please click on the "Continue" button to be redirected to nib to complete a medical screening. You will need to enter in details such as name & email, the medical screening will be on the following page. 

    Snow Sports

    If you are participating in Snow sports on your trip you need to add this option to be provided cover for snow sports related events. Snow Sports cover is only available on the International Comprehensive, Annual Multi trip and Australian Travel plans.

    By selecting this option, you’ll be charged an additional premium. You can uncheck this box if you do not wish to purchase this additional cover.

    Snow sports are defined as Snow skiing and snowboarding on and off piste, back country skiing and snowboarding, snowmobiling, tobogganing, cross-country skiing, telemark skiing.

    $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.

    Already Overseas

    If you are already overseas and need travel insurance due to your previous policy expiring, or 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. A 72 hour waiting period may apply for policies purchased when you are already travelling. See waiting periods in the PDS for more information. 

    Annual Multi Trip

    Annual Multi Trip Plan, trip(s) means any travel up to 45 days in duration 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 200km from your home in Australia, and 
    • Include travel by either pre-paid scheduled public transport or hire car, or include at least one night of pre-booked publicly available accommodation
    Designed for people who are travelling internationally and may also be travelling domestically.

    Child/Children

    Your children, stepchildren, grandchildren, foster children, and children for whom you are the legal guardian, who are travelling with you on the same itinerary for the entire duration of your trip and at the time the Certificate of Insurance is issued are:
    • under 25 years of age, and
    • working less than 30 hours per week.

    Coronavirus Travel Costs

    This benefit covers you for specific events related to coronavirus, such as contracting the virus causing you to cancel the trip or causing your quarantine; a healthcare worker's leave being cancelled; or you being denied boarding due to your suspected infection with coronavirus

    COVID-19 Medical

    Overseas Medical limit - $Unlimited^ (including COVID-19. Subject to policy terms, conditions, limitations and exclusions).
    ^Expenses for up to 12 months from the date an illness first appears or injury first occurs. Includes reasonable and necessary overseas medical expenses arising from sudden illness or serious injury (including COVID-19).

    One Way

    Policies are available for one-way travel overseas or to return 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.

    History of Denmark

    Extras

    The earliest archaeological findings in Denmark date back to 130,000–110,000 BC in the Eem interglacial period. People have inhabited Denmark since about 12,500 BC and agriculture has been in evidence since 3,900 BC. 

    During the Pre-Roman Iron Age (500 BC – AD 1), native groups began migrating south, although the first Danish people came to the country between the Pre-Roman and the Germanic Iron Age

    During the 8th–11th centuries, the Danes were known as Vikings, together with Norwegians, Swedes, Geats, and Goths. Viking explorers first discovered and settled Iceland in the 9th century, on their way toward the Faroe Islands. 

    The Danish Vikings were most active in the British Isles and Western Europe, and they raided, conquered and settled parts of England (their earliest settlements included sites in the Danelaw, Ireland, and Normandy). 

    In the early 8th century, Charlemagne's Christian empire had expanded to the southern border of the Danes, and Frankish sources provide the earliest historical evidence of the Danes. 

    In 815 AD, Emperor Louis the Pious attacked Jutland apparently in support of a contender to the throne, perhaps Harald Klak, but was turned back by the sons of Godfred, who most likely were the sons of the above-mentioned Godfred. At the same time Saint Ansgar travelled to Hedeby and started the Catholic christianisation of Scandinavia. 

    The Danes were united and officially Christianised in 965 AD by Harald Blåtand, the story of which is recorded on the Jelling stones. 

    The son of Harald, Sweyn Forkbeard mounted a series of wars of conquest against England, which was completed by Svend's son Canute the Great by the middle of the 11th century. The reign of Canute the Great (Danish:Knud) represented the peak of the Danish Viking Age. King Knud's North Sea Empire included Denmark (1018), Norway (1028), England (1035), and held strong influence over the north-eastern coast of Germany. 

    The death of St Canute marks the end of the great Viking Age. Never again would massive flotillas of Scandinavians meet each year to ravage the rest of Christian Europe. 

    The 11th century featured the first of large stone buildings (mostly churches). 

    A high point was reached during the reign of Valdemar II, who led the formation of a Danish "Baltic Sea Empire", which by 1221 extended control from Estonia in the east to Norway in the north. 

    At the death of Frederick I, two claimants to the throne, one backed by Protestant Lũbeck and the other by Catholic nobles, caused a civil war known as the Count's Feud (Danish: Grevens Fejde). The massacre of Skipper Clement's peasant army at Aalborg brought an end of the war with the pro-Lutheran party firmly in charge. Denmark became officially Lutheran in 1536. 

    In the 1645 Treaty of Brømsebro, Denmark surrendered Halland, Gotland, the last parts of Danish Estonia, and several provinces in Norway. In 1657, King Frederick III declared war on Sweden and marched on Bremen-Verden. This led to a massive Danish defeat and the armies of King Charles X Gustav of Sweden conquered both Jutland, Funen, and much of Zealand before signing the Peace of Roskilde in February 1658 which gave Sweden control of Skåne, Blekinge, Trøndelag and the island of Bornholm. 

    Following the Great Northern War (1700–21), Denmark managed to restore control of the parts of Schleswig and Holstein ruled by the house of Holstein-Gottorp in 1721 and 1773, respectively. Denmark prospered greatly in the last decades of the 18th century due to its neutral status allowing it to trade with both sides in the many contemporary wars. In the Napoleonic Wars, Denmark originally tried to pursue a policy of neutrality to continue the lucrative trade with both France and the United Kingdom. The British considered this a hostile act and attacked Copenhagen in both 1801 and 1807, in one case carrying off the Danish fleet and burning large parts of the Danish capital. These events mark the end of the prosperous Florissant Age and resulted in the Dano-British Gunboat War. British control over the waterways between Denmark and Norway proved disastrous to the union's economy and in 1813, Denmark-Norway went bankrupt. 

    Denmark remained neutral in World War I. 

    Following Germany's invasion of Denmark on 9 April 1940, and after only two hours of military resistance the Danish government surrendered. Economic co-operation between Germany and Denmark continued until 1943, when the Danish government refused further co-operation and its navy sank most of its ships and sent as many of their officers as they could to Sweden

    Despite its modest size, Denmark has been participating in major military and humanitarian operations, most notably the UN and NATO led operations on Cyprus and in Bosnia, Korea, Croatia, Kosovo and Ethiopia. 

    Back to Denmark 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.