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Single Trip Annual Multi Trip
    26
    July
    2021
    27
    July
    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.

    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. Click here to find out more

    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. 

    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. 

    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 starting to once again travel 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, 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.

    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 available 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 to a limit of 365 days per policy, 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 may want to consider having Annual travel insurance

    Here are some basic reasons as to why a traveller might want a year long travel 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

    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 could 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 - Please contact us.  

    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. 

    Businesspeople who love travelling can 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 that the Annual Multi Trip plan offers, which provides comprehensive cover for multiple trips during a 12-month period. Annual Multi Trip Policy holders can travel without having to take out a new travel insurance policy each trip, they can just pack their bag and go. No need to notify us. However, in the event of a claim nib will request a copy of your travel itinerary and to complete and submit a claim form.

    This policy provides a comprehensive level of cover for all listed 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 might consider having Annual Multi Trip Policy

    These are some of the reasons travellers need Annual Multi Trip policy:  
    • 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 limitations and exclusions 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
      26
      July
      2021
      27
      July
      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.

      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. Click here to find out more

      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. 

      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. 

      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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