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Single Trip Annual Multi Trip
    8
    May
    2021
    9
    May
    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 limits associated with altitude when hiking. Please refer to theProduct Disclosure Statement for full term, limitations, conditions andexclusions. 

    Annual Multi Trip or Annual Travel Insurance

    Annual Travel Insurance

    Extras

    Annual Travel Insurance vs Annual Multi Trip travel insurance

    So, what is the difference between a yearly travel insurance policy and an Annual Multi Trip plan? An Annual Travel Insurance policy is for a trip overseas for 365 days and is classified as a single trip policy while the Annual Multi Trip Worldwide is for frequent travellers going back and forth from Australia and provides unlimited trips up to 45 days per trip over 12 months. 

    Annual Travel Insurance - 365 days 

    Today, people are travelling overseas more and more for various reasons. Globalisation has brought the world much closer together, people are multi-lingual, and English is more commonly spoken. The dollar performs well in the global market as well, so for all of these reasons, we’re seeing people take off overseas a lot more frequently. Frequent travelling and working holidays have also changed the way health systems work in foreign countries, and the perception of working travellers by foreign governments. It’s much more common now that travel insurance is a requirement for inbound travellers, particularly to first-world countries.

    People not being able to pay their hospital bills leave administrations in awkward positions and it is starting to change the legal requirements for inbound travellers entering countries on extended visas. 
     
    Travel Insurance Quote
     
    If you are travelling for a full year, you will need to look at a single trip policy. These policies are advisable for people who are travelling for the entire year such as a Gap year or working overseas. 
     
    All travel plans can be extended up to 12 months, depending on age.
    Feel free to contact us to find out more about long term travel insurance.
     

    Annual Travel Insurance

    These yearly policies are great if you’re going to be travelling to Europe for a working holiday or a gap year. A lot of countries, like Germany, Italy and Canada are making it a requirement that inbound travellers have some form of comprehensive travel insurance for the duration of their stay.

    Reasons why you should have Annual travel insurance

    Here are some basic reasons as to why a traveller would need a yearly insurance plan: 
    • Student exchange of gap year
    • Working overseas for 12 months
    • Around world trip of a lifetime
    • You have a medical emergency and need health care in a foreign country 
    • One has a severe accident and needs evacuation or repatriation
    • If you are travelling for a year you are bound to need to see a doctor at some stage. Having an Annual insurance policy can save you a lot of money, particularly if you seriously injury yourself. 

    Annual Multi Trip  - Frequent Traveller

    If you’re someone who travels frequently throughout the year, whether it be for business or you’ve decided you want to take a number of holidays, you’ll want to have a look at the Annual Multi-Trip Plan. The Annual-Multi Trip Plan is effective for the full year and enables you to take as many trips as you want throughout the year for up to 45 days per trip, provided you return to your home in Australia between trips. You’ll save a lot of money taking out this plan rather than purchasing individual insurance policies for each trip, in fact, this plan can still save you money even if you only want to travel twice in the year! 

    Save time and money by taking out an Annual Multi Trip Plan that will work all year. Unlimited trips with up to 45 days per trip. This policy won't cover holidays over 45 days duration. 

    Business people who love travelling will benefit a lot from Annual Multi-Trip Travel Insurance. The frequency of your trips is the first thing that you have to consider before you arrange for a Travel Insurance policy.

    Our Annual Multi-Trip Plan will provide you with up to 45 days cover per trip for as many international & domestic holidays within 12 months. It is a great value policy that might be more affordable than a 45-day single trip policy. Use the quoting panel to compare.    

    The beauty of the Annual Multi-Trip plan is that it also allows for domestic trips, provided the trip is more than 200km from your home. If you fall into trouble on the way to your destination, you’ll still be covered.   

    Annual Travel Insurance

    What makes an Annual Multi Trip Plan stand out? 

    Frequent travellers like the convenience and economic efficiency that this coverage plan offers, which provides comprehensive cover for multiple trips during a 12-month period. Policy holders can travel without having to take our travel insurance each trip, they can just pack their bag and go. No need to notify us, in the event of a claim we will request you travel itiniery.

    This policy is comprehensive and economical for all travellers. Its cost-efficient nature works for most frequent travellers. If you are comparing the Annual Multi Trip Plan, make sure you check cancellation cover. 

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    Reasons why you should have Annual Multi Trip Travel Insurance

    These are some of the reasons travellers need Annual Multi Trip Travel Insurance :  
    • If you are taking multiple trips overseas and interstate in the coming year and you want to avoid the hassle of searching and purchasing for every single trip.
    • You have a medical emergency and need health care in a foreign country.
    • The weather has caused havoc, and you are unable to travel.
    • Loss of income due to injury from your trip overseas.
    If you have any questions about any of the policies displayed on our website, please contact us.
     
    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
      8
      May
      2021
      9
      May
      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 limits associated with altitude when hiking. Please refer to theProduct Disclosure Statement for full term, limitations, conditions andexclusions. 

      Authorised Representative Disclaimer: Insurance Saver Pty Ltd, ABN 18 624 919 366, AR 001263726 is an authorised representative of nib Travel Services (Australia) Pty Ltd (nib), ABN 81 115 932 173, AFSL 308461. Any information provided is general only and you should consider if this product suits your needs. Before deciding to purchase this product, please read the Product Disclosure Statement available from us. This insurance is underwritten by XL Insurance Company SE, Australia branch (ABN 36 083 570 441).

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