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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.

    Already Overseas and Need Travel Insurance

    Already overseas travel insurance

    Already Overseas Travel Insurance: Comprehensive Coverage for Travelers Abroad


    Traveling abroad can be an enriching experience, but it also comes with risks that can lead to unexpected expenses. Already Overseas travel insurance is designed specifically for individuals who are currently outside their home country and require insurance coverage. This type of insurance ensures that you are financially protected against unforeseen events that may occur during your travels.

    Australian Already Overseas


    Our insurance is appropriate if You are an Australian resident and are overseas intending to return to Australia on the date Your policy ends. There is however, no cover in place for the first 48 hours from the policy start date

    Why Choose Already Overseas Travel Insurance?


    When you find yourself overseas without travel insurance, it’s crucial to consider options that can provide essential coverage for various scenarios. Already Overseas travel insurance offers policies that can address medical emergencies, trip cancellations, and other travel-related incidents. Such coverage is vital for managing potential financial burdens, particularly if you face unexpected medical treatment or need to return home earlier than planned.

    Key Features of Already Overseas Travel Insurance

    1. Medical Expenses Coverage: One of the primary benefits of Already Overseas travel insurance is the coverage for medical expenses incurred due to illness or injury while traveling. This includes hospital stays, doctor visits, and necessary medical treatments, ensuring that you are not left with substantial out-of-pocket costs.

    2. Emergency Evacuation: In cases where medical attention is required but local facilities are inadequate, Already Overseas travel insurance can cover emergency evacuations. This feature is particularly relevant in remote areas where access to quality medical care may be limited.

    3. Trip Cancellation and Interruption: If unforeseen circumstances arise that necessitate the cancellation or interruption of your trip, Already Overseas travel insurance can provide reimbursement for non-refundable expenses. This may include flights, accommodations, and activities that were prepaid.

    4. Lost or Stolen Belongings: Travelers often face the risk of lost or stolen belongings. Policies under Already Overseas travel insurance typically include provisions for lost luggage and personal items, helping to mitigate financial loss and ensuring you can continue your journey with minimal disruption.

    Understanding the Importance of Travel Insurance


    Travel insurance is not just a supplementary purchase; it plays a critical role in safeguarding your travel investment. Without it, you could face significant financial setbacks due to unexpected events. The Already Overseas travel insurance option may provide cover during your travels, allowing you to focus on your experience rather than potential risks.

    How to Purchase Already Overseas Travel Insurance


    Acquiring Already Overseas travel insurance is straightforward. Please get a quote and click on "Already Overseas" in the quote panel, allowing you to compare different policies and select the coverage that meets your needs. It is advisable to thoroughly review the terms and conditions of each policy to understand what is included and any exclusions that may apply.

    Already Overseas travel insurance is a practical solution for travelers currently outside their home country. With coverage options for medical emergencies, trip cancellations, and lost belongings, it addresses key concerns that can arise while traveling. Securing appropriate travel insurance is a proactive measure to help manage the risks associated with international travel, ensuring that you can enjoy your journey with adequate financial protection. For more information and to explore various policy options, visit Travel Insurance Saver.

    Cover is subject to the policy terms, conditions, limitations, and those exclusions set out in the current Combined Financial Services Guide and Product Disclosure Statement (PDS). Read the (PDS) prior to choosing an overseas travel insurance plan that includes cancellation travel insurance cover.



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    Disclaimer

    Travel Insurance Saver Travel Insurance is arranged by Insurance Saver Pty Ltd, ABN 18 624 919 366, AR no: 001263726 and is issued by Chase Underwriting Solutions Pty Ltd ABN 50 156 554 808 (AFSL No. 454344), one of Australia's leading insurance specialists. Chase Underwriting Solutions Pty Ltd is authorised by ASIC to issue, deal in and provide general advice on general insurance products. Chase Underwriting Solutions Pty Ltd issues certificates under a binding authority granted by Lloyd's.

    General Advice Warning - The information contained in this website is correct at the time of publishing. The website and any advice given is of a general nature and does not take into account your objectives, financial situation or needs. If you are considering acquiring our travel insurance, you should obtain the Product Disclosure Statement (PDS) and Target Market Determination relating to the product and consider this before making any decision.

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