Travel Insurance Saver
Single Trip Annual Multi Trip
    25
    July
    2024
    26
    July
    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.

    Looking for Travel Insurance for 24 months?

    Do I need travel insurance for the international experience Canada as an Australian travelling abroad?

    Long term travel insurance If you are an Australian travelling overseas for the International Experience Canada, you need travel insurance as per the Canadian government’s requirement that those taking part in the International Experience Canada have some proof of health insurance.

    As per the Government of Canada website titled ‘Prepare for arrival – International experience Canada’, you will need the following documents for the border services officer upon your arrival in Canada:2 year
    • Your Australian passport.
    • Your Port of Entry (POE) Letter.
    • Proof of funds.
    • Proof of health insurance.
    • A ticket for your departure from Canada or sufficient funds to purchase such a ticket; and
    • Copies of the documents you provided in your work permit application.
    Canadian immigration website with further information:   Find out more

    https://www.canada.ca/en/immigration-refugees-citizenship/services/work-canada/iec/prepare-arrival.html

    Does travel insurance act as proof of health insurance for an Australian travelling to Canada on the International Experience Canada?


    Yes, as an Australian travelling to Canada on the International Experience Canada (IEC/2IEC), a valid travel insurance policy will suffice as health insurance cover for the purposes of procuring a valid Canadian working visa for the IEC/2IEC. 

    Your travel insurance policy will be valid for the purposes of procuring an International Exchange Canada visa if your travel insurance policy provides cover for the following events:
    • Overseas medical benefits (including cover for general consultations and hospital cover). 
    • Medical evacuation and repatriation (returning to your country in the event of severe illness, injury or death). 

    If you are uncertain as to whether your travel insurance policy will provide cover for the above events, you may consult the schedule of benefits/summary of cover attached to your policy certificate documentation, in the Product Disclosure Statement of your travel insurance provider or contact Travel Insurance Saver for more information. Contact Us.  

    How do I get 2 year travel insurance for the international experience Canada (IEC)?

    If you are travelling to Canada for either a one- or two-year period for their international experience Canada program, you may need travel insurance in order to secure your visa for a one- or two-year period.

    Many Australian travel insurance providers can cover for a one-year (365-day) period. Only a certain number of travel insurance providers and agencies offer travel insurance for a two-year period .

    If you are travelling on a One-Year International Experience Canada program, you may get a one-year travel insurance policy which provides cover for the events outlined above (overseas medical expenses and medical evacuation & repatriation).

    Travel Insurance Saver offer a number of travel insurance products online which may be suitable for both the IEC and 2IEC. The Bare Essentials, Essentials and Comprehensive travel insurance plans each provide cover for overseas medical expenses (including covid-19) as well as cover for medical evacuation and repatriation. 

    How can I get travel insurance for two years if I am doing a 2IEC (Two Year International Experience Canada)?

    To get travel insurance for a two-year period, you may have to get travel insurance from an agency or provider who will allow for the purchasing of two back-to-back one-year policies. That is, you can take out a (365-day) travel insurance product to cover your first year of travel, and you can take out a second (365-day) travel insurance product to cover your second year of travel.

    You may have to purchase both policies before you arrive in Canada, so you may purchase them before you leave Australia for your trip.

    Travel Insurance Saver offer travel insurance products online which allow for up to two-years of consecutive travel through the purchasing of two back-to-back single one-year travel insurance policies.

    Snow sports cover travel insurance for International Experience Canada.

    Australian travellers who travel to Canada for the international experience Canada program may be looking to be covered for snow sports under a travel insurance policy.

    Not all snow sports travel insurance options cover back country and off-piste skiing and snowboarding. If you are planning on taking part in back country and off-piste skiing and snowboarding, you may want to check to see if the snow sports optional extra of your intended travel insurance plan has cover for off-piste and back country skiing and snowboarding.

    Snow sports optional extra travel insurance cover may provide cover for events such as skiing, snowboarding, off-piste and backcountry snow sports related insured events.

    If you are seeking travel insurance cover online for an international exchange program with Canada, Travel Insurance Saver offer travel insurance products which may provide cover for either a one- or two-year period for the international exchange program with Canada. 

    Make sure you’ve read and understood the conditions and limitations outlined under the Product Disclosure Statement available from Travel Insurance Saver before making a decision about any travel insurance product. 

    To speak to one of our staff members about apply for travel insurance cover for an international experience program, call us on 03 9427 9224, or get a travel insurance quote online.

    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). Make sure you’ve read and understood the (PDS) prior to choosing a travel insurance policy.