Travel Insurance Saver
Single Trip Annual Multi Trip
    24
    June
    2021
    25
    June
    2021
    Traveller 1
    Traveller 2
    Dependant 1
    +Dependant

    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

    Snow Sports

    If you are participating in Snow sports on your trip you need to add this option to be covered.

    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.

    $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 have changed this amount to $0.

    Cruise

    Cruising is covered as standard. If the cruise only stops in one country, just select that country.

    If the cruise only visits stops within Australia, make sure you select the ‘Cruising – 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, 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.

    Altitude Limits

    There are no altitude limits associated to cover when hiking. Please refer to theProduct Disclosure Statement for full term, limitations, conditions and exclusions

    Altitude Travel Insurance Cover

    If your travel plans are going to be taking you somewhere off the beaten path like the Himalayas or the foothills of Machu Picchu, you might want to consider the apparent risks associated with the altitude in those locations. Our policies are going to provide the cover you need when travelling at high altitudes and mountain passes. Altitude travel insurance to trek the Himalayas

    Extras

    There are no exclusions for altitude limits under any of our policies available online. 

    General Exclusions to consider: Mountaineering using support ropes, rock climbing and abseiling are general exclusions from all travel insurance policies. The following are all activities that are excluded on all policies.
    Hunts, plays polo, races (except on foot), mountaineers using support ropes, paraglides, rock climbs, abseils, participating in base jumping, running with the bulls, or potholing (walking and climbing in underground caves).

    The other general exclusion to consider is "intentionally and recklessly placing yourselves in circumstances, or undertaking activities, which pose a risk to your personal safety (except in an attempt to save human life)'.  

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    Need travel insurance cover for high-altitudes?

    If your travel plans are going to be taking you somewhere off the beaten path like the Himalayas or the foothills of Machu Picchu, you’ll want to consider the risks associated with hikes at these elevations. Travel Insurance Saver does not have an altitude limit on our policies.
    Altitude travel insurance to Everest 

    No altitude limit exclusions:

    There are no exclusions for altitude limits under any of our policies available online. 
     
    However, exclusions do apply for the use of support ropes and for any trek which includes a rock-climbing component. Under these circumstances you will not be covered during the use of support ropes and if you are partaking in rock climbing during your trek.

    So, to reiterate, you’ll still be covered for treks, just so long as you’re not doing any rock-climbing. 
      

    What’s offered at high-altitude?

    Take a look at some of the travel insurance coverage offered which may apply to you if your travels take you to some high-altitude destinations: 
    • Travel insurance plans can offer cover^ for:  

      • Overseas medical expenses 
      • Comprehensive additional expenses
      • A range of luggage limits to cover smartphones and tablets 
      • Cancellation cover applies to all international policies
      • Australian based 24/7 Emergency Assistance, through nib International Assistance
      ^ Cover is subject to the policy terms, conditions and limits set out in the Product Disclosure Statement.
    The most important benefits when consider mountaineering is Medical Evacuation. Please get a quote via the quote panel on-page to view the benefits for each policy side by side. 

    Altitude cover for pre-existing conditions

    Travelling at high altitudes has some medical risks associated with it, particularly for young children, the elderly and anyone who suffers from high/low blood pressure or heart disease. To ensure your fully covered by your travel insurance at high altitudes, be transparent about any pre-existing medical conditions you have. 

    If an injury or pre-existing medical condition is worse off by a high-altitude adventure, you may be prohibited from receiving full coverage unless you have applied beforehand for coverage of pre-existing medical conditions. 
    Altitude travel insurance to Machu Picchu
    To fill out a pre-existing medical condition form, you must first select either the Comprehensive or Annual Multi trip policies. Also you will need to select the Medical button in the optional extras. You will be able to view instruction from there. From this point, you’ll select a pre-existing medical button. You’ll then be redirected to the nib website where you will be prompted after a few pages to describe your pre-existing medical condition. After this, nib will automatically assess the condition and inform you of whether or not you will receive coverage. That way, when you’re trekking at altitude, and something goes wrong – you’ll have cover. If you are planning to reach high-altitudes in your trip, you must take out a travel insurance policy. Being in high-altitudes brings with it different risks, luckily there isn’t an altitude limit on our policies. 
     
    Travel insurance: Hiking at high-altitude
    Hiking or trekking is quite possibly one of the best things you can do on your holiday. There’s nothing better than taking a guided tour through some foothills or mountains, camping and standing on top of the world. 

    If you are planning on hiking you should absolutely ensure you have altitude cover. Not every insurer covers for high altitudes, so make sure you read the product disclosure statements before you decide on your final product. 
     
    Cover is subject to the policy terms, conditions and limits set out in the Product Disclosure Statement. Always read the Product Disclosure Statement before making a decision about any travel insurance policy.   

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    Single Trip Annual Multi Trip
      24
      June
      2021
      25
      June
      2021
      Traveller 1
      Traveller 2
      Dependant 1
      +Dependant

      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

      Snow Sports

      If you are participating in Snow sports on your trip you need to add this option to be covered.

      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.

      $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 have changed this amount to $0.

      Cruise

      Cruising is covered as standard. If the cruise only stops in one country, just select that country.

      If the cruise only visits stops within Australia, make sure you select the ‘Cruising – 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, 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.

      Altitude Limits

      There are no altitude limits associated to cover when hiking. Please refer to theProduct Disclosure Statement for full term, limitations, conditions and exclusions