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. 

    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.

    Germany History

    The Romans, who called the area north of the Danube and east of Rhine Germania. This was a geographic expression, as the area included both Germanic tribes and Celts. In 962, Henry's son Otto I became the first emperor of what historians refer to as the Holy Roman Empire, the medieval German state.

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    In 1618-48, Protestants and Catholics clashed in the Thirty Years' War, leaving vast areas depopulated. The peace of Westphalia, which ended the war, is considered the effective end of the Holy Roman Empire and the beginning of the modern nation-state system.

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    After the Napoleonic Wars, Germany was reorganised, and the number of states reduced to thirty-nine. These states were loosely allied in an Austrian-led German Confederation, formed in 1815. A German Empire was created in 1871 under the leadership of Prussian Chancellor Otto von Bismarck. After the First World War, Germany faced territorial losses and war reparations. The kaiser abdicated and democracy was introduced under the Weimar Republic.
    Germany entered recorded history in June 56 BC, when Roman commander Julius Caesar crossed the Rhine.
    By AD 100, the time of Tacitus' Germania, Germanic tribes settled along the Rhine and the Danube (the Limes Germanicus), occupying most of the area of modern Germany. The third century saw the emergence of several large West Germanic tribes: Alamanni, Franks, Chatti, Saxons, Frisians, Sicambri, and Thuringii. Around 260, the Germanic peoples broke through the Limes and the Danube frontier into Roman-controlled lands.

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    The Merovingian kings of the Germanic Franks conquered northern Gaul in 486 CE. In the fifth and sixth century the Merovingian kings conquered several other Germanic tribes and kingdoms and placed them under the control of autonomous dukes of mixed Frankish and native blood.

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    After the fall of the Western Roman empire the Franks created an empire under the Merovingian kings and subjugated the other Germanic tribes. Swabia became a duchy under the Frankish Empire in 496, following the Battle of Tolbiac.
    From 772 to 814 king Charlemagne extended the Carolingian empire into northern Italy and the territories of all west Germanic peoples, including the Saxons and the Bajuwari (Bavarians). In 800 Charlemagne's authority in Western Europe was confirmed by his coronation as emperor in Rome. The Frankish empire was divided into counties, and its frontiers were protected by border Marches. Imperial strongholds (Kaiserpfalzen) became economic and cultural centres.

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    Between 843 and 880, after fighting between Charlemagne's grandchildren, the Carolingian empire was partitioned into several parts in the Treaty of Verdun, the Treaty of Meerssen and the Treaty of Ribemont. The German empire developed out of the East Frankish kingdom, East Francia.
    The time between 1096 and 1291 was the age of the crusades. Knightly religious orders were established, including the Templars, the Knights of St John, and the Teutonic Order.

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    Between 1152 and 1190, during the reign of Frederick I (Barbarossa), of the Hohenstaufen dynasty, an accommodation was reached with the rival Guelph party by the grant of the duchy of Bavaria to Henry the Lion, duke of Saxony.
    From 1184 to 1186 the Hohenstaufen empire under Barbarossa reached its peak in the Reichsfest.

     

    Around 1350 Germany and almost the whole of Europe was ravaged by the Black Death. Jews were persecuted on religious and economic grounds; many fled to Poland.

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    In 1524 the Peasants' War broke out in Swabia, Franconia and Thuringia against ruling princes and lords, following the preachings of Reformist priests. But the revolts, which were assisted by war-experienced noblemen like Götz von Berlichingen and Florian Geyer (in Franconia), and by the theologian Thomas Münzer (in Thuringia), were soon repressed by the territorial princes. It is estimated that as many as 100,000 German peasants were massacred during the revolt.

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    The Peace of Augsburg in 1555 brought recognition of the Lutheran faith. But the treaty also stipulated that the religion of a state was to be that of its ruler (Cuius regio, eius religio). 

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    After the Peace of Hubertsburg in 1763, Prussia became a European great power. The rivalry between Prussia and Austria for the leadership of Germany began.

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    During the War of Austrian Succession (1740-1748) Maria Theresa fought successfully for recognition of her succession to the throne. But in the Silesian Wars and in the Seven Years' War she had to cede Silesia to Frederick II, the Great, of Prussia. After the Peace of Hubertsburg in 1763 between Austria, Prussia and Saxony, Prussia became a European great power. This gave the start to the rivalry between Prussia and Austria for the leadership of Germany.

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    In 1834 the Zollverein was established, a customs union between Prussia and most other German states, but excluding Austria.

    In 1866 the German Confederation was dissolved. In its place in the North German Federation (German Norddeutscher Bund) was established, under the leadership of Prussia. Austria was excluded and would remain outside German affairs for most of the remaining 19th and the 20th centuries.

    Imperialist power politics and the determined pursuit of national interests ultimately led to the outbreak in 1914 of the First World War. The entry of the United States into the war in 1917 following Germany's declaration of unrestricted submarine warfare marked a decisive turning-point against Germany.

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    On November 9, 1918, the Social Democrat Philipp Scheidemann proclaimed a Republic. On November 11, an armistice ending the war was signed at Compiègne.

    n 28 June 1919 the Treaty of Versailles was signed. Germany was to cede Alsace-Lorraine, Eupen-Malmédy, North Schleswig, and the Memel area. All German colonies were to be handed over to the British and French.

    On January 30, 1933, pressured by former Chancellor Franz von Papen and other conservatives, President Hindenburg finally appointed Hitler Chancellor.
    After annexing the Sudetenland border country of Czechoslovakia (October 1938), and taking over the rest of the Czech lands as a protectorate (March 1939), the German Reich and the Soviet Union invaded Poland on first September 1939 predominantly as part of the Wehrmacht operation codenamed Fall Weiss. The invasion of Poland began World War II.

    In May 1945, Nazi Germany collapsed when Berlin was taken by Soviet and Polish forces. Hitler committed suicide when it seemed inevitable that the Allies would win.

    The three western occupation zones (U.S., UK, and French zone) would later form the Federal Republic of Germany (commonly known as West Germany), while the Soviet zone became the German Democratic Republic (commonly known as East

    Germany), both founded in 1949. West Germany was established as a federal democratic republic while East Germany became a Communist State under the influence of the Soviet Union. 


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    During the summer of 1989, rapid changes known as peaceful revolution or Die Wende took place in East Germany, which ultimately led to German reunification. Growing numbers of East Germans emigrated to West Germany, many via Hungary after Hungary's reformist government opened its borders. Thousands of East Germans also tried to reach the West by staging sit-ins at West German diplomatic facilities in other East European capitals, most notably in Prague. This led to the acceleration of the process of reforms in East Germany that ended with the German reunification that came into force on 3 October 1990. 

    Back to Germany 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.