Travel Insurance Saver
Single Trip Annual Multi Trip
    19
    April
    2024
    20
    April
    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. Click the link to find out more about Snow Sports travel insurance.

    $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.

    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. Click the link to find out more about travel insurance for 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. Click the link to find out more about one way travel insurance.

    Spain - Geography

    Extras

    Is in southwestern Europe and comprises about 84 percent of the Iberian Peninsula. Its total area is 504,782 km2 (194,897 sq mi) of which 499,542 km2 (192,874 sq mi) is land and 5,240 km2 (2,020 sq mi) is water. Spain is bounded to the north by the Bay of Biscay, France, and Andorra; to the east by the Mediterranean Sea; on the south by the Mediterranean Sea and the Atlantic Ocean; and on the west by Portugal and the Atlantic Ocean. In the southwest the 13km wide Strait of Gibraltar separate Spain and the rest of Europe from Morocco in north Africa. The British dependency of Gibraltar is situated at the southern extremity of Spain. The Balearic Islands in the Mediterranean and the Canary Islands in the Atlantic Ocean off the coast of Africa are governed as provinces of Spain. Also, Spain administers Ceuta and Melilla on the Moroccan mainland. 

    The Pyrenees separate Spain from France and are the country's principal mountain range. They extend 435 km (270 mi) from the Bay of Biscay to the Mediterranean Sea. 

    Away from the Pyrenees, Mulhacén in the Sierra Nevada above Granada is the highest peak at 3,477 m (11,407 ft). The highest point in Spain is Pico de Teide (3,715 m/12,188 ft) on the volcanic island of Tenerife in the Canary Islands. 

    The majority of Spain's peninsular region consists of the Meseta Central, a highland plateau rimmed and dissected by mountain ranges. Other landforms include narrow coastal plains and some lowland river valleys, the most prominent of which is the Andalusian Plain in the southwest. The country can be divided into ten natural regions or subregions: the dominant Meseta Central, the Cordillera Cantabrica and the northwest region, the Ibérico region, the Pyrenees, the Penibético region in the southeast, the Andalusian Plain, the Ebro Basin, the coastal plains, the Balearic Islands, and the Canary Islands. 

    These are commonly grouped into four types: the Meseta Central and associated mountains, other mountainous regions, lowland regions, and islands. The Meseta Central ("Inner Plateau") is a vast plateau in the heart of peninsular Spain, has elevations that range from 610 to 760 m. Rimmed by mountains, the Meseta Central slopes gently to the west and to the series of rivers that form some of the border with Portugal. The Sistema Central, described as the "dorsal spine" of the Meseta Central, divides the Meseta into northern and southern subregions, the former higher in elevation and smaller in area than the latter. The Sistema Central rims the capital city of Madrid with peaks that rise to 2,400 m north of the city and to lower elevations south of it. West of Madrid, the Sistema Central shows its highest peak, Pico Almanzor, of 2,592 m. 

    The mountains of the Sistema Central, which continue westward into Portugal, display some glacial features; the highest of the peaks are snow-capped for most of the year. Despite their height, however, the mountain system does not create a major barrier between the northern and the southern portions of the Meseta Central because several passes permit road and railroad transportation to the northwest and the northeast. The southern portion of the Meseta is further divided by twin mountain ranges, the Montes de Toledo running to the east and the Sierra de Guadalupe, to the west. Their peaks do not rise much higher than 1,500 m. With many easy passes, including those that connect the Meseta with the Andalusian Plain, the Montes de Toledo and the Sierra de Guadalupe do not present an obstacle to transportation and communication. 

    The two mountain ranges are separated from the Sistema Central to the north by the longest river in the Iberian Peninsula: the Tagus River. The mountain regions that rim the Meseta Central and are associated with it are the Sierra Morena, the Cordillera Cantábrica, and the Sistema Ibérico. Forming the southern edge of the Meseta Central, the Sierra Morena merges in the east with the southern extension of the Sistema Iberico and reaches westward along the northern edge of the Rio Guadalquivir valley to join the mountains in southern Portugal. The massif of the Sierra Morena extends northward to the Río Guadiana, which separates it from the Sistema Central. Despite their relatively low elevations, seldom surpassing 1,300 m, the mountains of the Sierra Morena are rugged. The Cordillera Cantábrica, a limestone formation, runs parallel to, and close to, the northern coast near the Bay of Biscay. Its highest points are the Picos de Europa, surpassing 2,600 m. The Cordillera Cantábrica extends 182 km and abruptly drops 1,500 m some 30 km from the coast. To the west lie the hills of the northwest region and to the east the Basque mountains that link them to the Pyrenees. The Sistema Ibérico extends from the Cordillera Cantábrica south-eastward and, close to the Mediterranean, spreads out from the Río Ebro to the Río Júcar. The barren, rugged slopes of this mountain range cover an area of close to 21,000 square kilometres. The mountains exceed 2,000 m in their northern region and reach a maximum height of over 2,300 m east of the headwaters of the Rio Duero. 

    The extremely steep mountain slopes in this range are often cut by deep, narrow gorges. The major lowland regions are the Andalusian Plain in the southwest, the Ebro Basin in the northeast, and the coastal plains. The Andalusian Plain is essentially a wide river valley through which the Río Guadalquivir flows. The river broadens out along its course, reaching its widest point at the Golfo de Cadiz. The Andalusian Plain is bounded on the north by the Sierra Morena and on the south by the Sistema Penibético; it narrows to an apex in the east where these two mountain chains meet. The Ebro Basin is formed by the Río Ebro valley, contained by mountains on three sides--the Sistema Ibérico to the south and west, the Pyrenees to the north and east, and their coastal extensions paralleling the shore to the east. Minor low-lying river valleys close to the Portuguese border are located on the Tagus and the Río Guadiana. 

    The Coastal Plains regions are narrow strips between the coastal mountains and the seas. They are broadest along the Golfo de Cádiz, where the coastal plain adjoins the Andalusian Plain, and along the southern and central eastern coasts. The narrowest coastal plain runs along the Bay of Biscay, where the Cordillera Cantábrica ends close to shore. The major lowland regions are the Andalusian Plain in the southwest, the Ebro Basin in the northeast, and the coastal plains. The Andalusian Plain is essentially a wide river valley through which the Río Guadalquivir flows. The river broadens out along its course, reaching its widest point at the Golfo de Cadiz. The Andalusian Plain is bounded on the north by the Sierra Morena and on the south by the Sistema Penibético; it narrows to an apex in the east where these two mountain chains meet. The Ebro Basin is formed by the Río Ebro valley, contained by mountains on three sides--the Sistema Ibérico to the south and west, the Pyrenees to the north and east, and their coastal extensions paralleling the shore to the east. Minor low-lying river valleys close to the Portuguese border are located on the Tagus and the Río Guadiana.The Coastal Plains regions are narrow strips between the coastal mountains and the seas. 

    They are broadest along the Golfo de Cádiz, where the coastal plain adjoins the Andalusian Plain, and along the southern and central eastern coasts. The narrowest coastal plain runs along the Bay of Biscay, where the Cordillera Cantábrica ends close to shore. The remaining regions of Spain are the Balearic and the Canary Islands, the former located in the Mediterranean Sea and the latter in the Atlantic Ocean. The Balearic Islands, encompassing a total area of 5,000 square kilometres, lie 80 kilometres off Spain's central eastern coast. The mountains that rise up above the Mediterranean Sea to form these islands are an extension of the Sistema Penibetico. 

    The archipelago's highest points, which reach 1,400 meters, are in northwestern Majorca, close to the coast. The central portion of Majorca is a plain, bounded on the east and the southeast by broken hills. The main rivers of Spain flow west and south to the Atlantic Ocean. The Duero (Douro), Miño, Tajo (Tagus), and Guadiana rivers rise in Spain and flow through Portugal to the Atlantic. The Guadalquivir River is the deepest and most navigable. The Ebro River which flows through Zaragoza flows into the Mediterranean Sea and is navigable for part of its course. 

    Back to Spain 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.