Travel Insurance Saver
Single Trip Annual Multi Trip
    22
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    2025
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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.

    Travel Insurance when Pregnant

    Travel Insurance while Pregnant  

     
    Need overseas travel insurance and you are pregnant?
    Travel Insurance Saver offer a number of travel insurance products which may cover you if you are pregnant and need cover to go overseas.  

    What is Covered - Pregnancy Travel Insurance 

    • Single, Uncomplicated Pregnancies: Coverage for single, uncomplicated pregnancies up to and including 23 weeks gestation, excluding pregnancies resulting from IVF or similar programs. 
    • Serious Pregnancy Complications: Coverage for serious complications of pregnancy that could not have been reasonably foreseen by a medical professional and endanger the life of the mother or unborn child, or could result in permanent disability to the child if untreated. 
    • Trip Cancellation or Curtailment due to Pregnancy: Coverage for cancellations if a pregnancy is confirmed during the insurance period and the expected birth is within 18 weeks of the scheduled return home, or if medical complications arise from the pregnancy (as certified by a doctor), and the expected birth is more than 18 weeks after the scheduled return. 

    What is Not Covered - Pregnancy Travel Insurance 

    • Childbirth: No coverage for childbirth at any stage. 
    • Regular Antenatal Care: No coverage for routine antenatal check-ups or care. 
    • Newborn Care: No coverage for any medical care required by the newborn child. 
    • Rhinitis: No coverage for conditions related to Rhinitis. 
    • Travel Against Medical Advice: No coverage for pregnancy complications if the insured person travels against their doctor's advice. 
    • Multiple Pregnancies: No coverage for complications arising from multiple pregnancies. 
    • Assisted Reproduction Pregnancies: No coverage for pregnancies resulting from IVF or similar programs. 
    • Pregnancies 23+ Weeks at Policy End: No coverage for pregnancy complications existing at the trip commencement if the pregnancy is 23 weeks or longer when the policy ends. 
    • Expected Birth Within 17 Weeks of Return: No coverage for pregnancy-related cancellations if the insured person expects to give birth within 17 weeks of completing the trip. 
    • Pre-Existing Pregnancy Complications: No coverage for cancellations due to pregnancy complications existing at the start of the trip. 
    • General Exclusions: No coverage for claims related to war, terrorism, self-inflicted injuries, illegal activities, etc., as outlined in the policy's general exclusions. 

    Important Note: This information is a summary based on the provided document. It is crucial to read the full policy wording for complete details and understanding of the coverage, exclusions, and conditions. 

    Travel Insurance Products for Pregnant Travel 

    There are a number of travel insurance products available from Travel Insurance Saver available for pregnant travellers going overseas.  

    Medical Only travel insurance product for pregnant travellers: 

    • Overseas emergency medical, surgical and hospital treatment and transportation, including repatriation to your home country if deemed medically necessary. 
    • Emergency dental treatment to natural teeth for immediate pain relief only, up to a specified limit. 
    • Additional travel and accommodation expenses if you are unable to continue your trip as planned due to a medical condition, and your return home is certified by a doctor. 
    • Additional travel and accommodation expenses if you are medically unfit to continue your trip but do not need to return home, and your illness or injury causes you to lose pre-paid accommodation. 
    • Additional travel and accommodation expenses for a travelling companion or relative to stay with you and accompany you home, if their presence is certified by a doctor as medically necessary. 
    • Repatriation of remains or funeral expenses in the event of death due to a medical condition during your trip. 

    Remember, these benefits are subject to the policy's terms, conditions, and exclusions. It's crucial to read the full policy wording for complete details. 

     

    Travel Insurance for Pregnant Travellers - FAQ   

    1. Does travel insurance cover pregnancy?
    Yes, the policy covers single, uncomplicated pregnancies up to 23 weeks, excluding those arising from assisted reproduction programs. Coverage focuses on serious complications that couldn't have been reasonably predicted.  

    2. What pregnancy-related situations are not covered? 
    The policy excludes childbirth, regular antenatal care, newborn care, and any complications arising from travelling against medical advice, pregnancies beyond 23 weeks at policy end, multiple pregnancies, or those resulting from assisted reproduction.  

    3. Can I travel if I'm pregnant and have a pre-existing medical condition?
    Pre-existing conditions related to pregnancy are generally excluded. However, you can contact the insurer to discuss your specific situation and possible coverage options.  

    Pregnancy travel insurance

    4. What if I need medical assistance due to pregnancy complications while travelling? 
    If you experience serious pregnancy complications while travelling, the policy may cover emergency medical expenses, including hospitalisation and repatriation, if deemed medically necessary.  

    5. Is there a limitation for travel during pregnancy?
    The policy covers single, uncomplicated pregnancies up to 23 weeks. It's crucial to consult your doctor before travelling during pregnancy and ensure you have appropriate coverage for your specific needs. 

    Need a travel insurance quote for pregnant travellers? 
    If you are pregnant and plan on going overseas, travel insurance is available from us. Get a quote now!  

    Have questions about travel insurance while pregnant? 
    Travel Insurance Saver offer travel insurance for pregnant travellers. While there is cover for travellers who are pregnant under our products, there may be events and circumstances that are not covered. Make sure you’ve fully read and understood the terms and conditions in the PDS available from us. If you have any questions, our team of staff are happy to take a phone call to discuss on 03 9427 9224, or you can contact us.   
     
    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). Read the (PDS) prior to choosing a travel insurance policy.     

    Contact Travel Insurance Saver

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