Travel Insurance Saver
Single Trip Annual Multi Trip
    14
    April
    2024
    15
    April
    2024
    Traveller 1
    Traveller 2
    Child 1
    +Child/Children

    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. 


    Do you want to complete a medical screening? 

    After entering your trip details (Age, Destination, Dates) to get a quote first. Please click on the "Continue" button to be redirected to nib to complete a medical screening. You will need to enter in details such as name & email, the medical screening will be on the following page. 

    Snow Sports

    If you are participating in Snow sports on your trip you need to add this option to be provided cover for snow sports related events. Snow Sports cover is only available on the International Comprehensive, Annual Multi trip and Australian Travel plans.

    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 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.

    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. The trip must end at your home in Australia. A 72 hour waiting period may apply for policies purchased when you are already travelling. See waiting periods in the PDS for more information. 

    Annual Multi Trip

    Annual Multi Trip Plan, trip(s) means any travel up to 45 days in duration 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 200km from your home in Australia, and 
    • Include travel by either pre-paid scheduled public transport or hire car, or include at least one night of pre-booked publicly available accommodation
    Designed for people who are travelling internationally and may also be travelling domestically.

    Child/Children

    Your children, stepchildren, grandchildren, foster children, and children for whom you are the legal guardian, who are travelling with you on the same itinerary for the entire duration of your trip and at the time the Certificate of Insurance is issued are:
    • under 25 years of age, and
    • working less than 30 hours per week.

    Coronavirus Travel Costs

    This benefit covers you for specific events related to coronavirus, such as contracting the virus causing you to cancel the trip or causing your quarantine; a healthcare worker's leave being cancelled; or you being denied boarding due to your suspected infection with coronavirus

    COVID-19 Medical

    Overseas Medical limit - $Unlimited^ (including COVID-19. Subject to policy terms, conditions, limitations and exclusions).
    ^Expenses for up to 12 months from the date an illness first appears or injury first occurs. Includes reasonable and necessary overseas medical expenses arising from sudden illness or serious injury (including COVID-19).

    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

    Annual Travel Insurance

    Extras

    Annual travel insurance vs Annual Multi Trip travel insurance

    There are several different travel plans available through the Travel Insurance Saver website depending on your trip details. If you are heading overseas, you may choose from up to four different international travel plans: - the Bare Essentials, the Essentials, the Comprehensive plan, and there is also the Annual Multi Trip plan.  

    Annual Multi Trip Travel Insurance 

    The Annual Multi Trip provides cover for a 365-day period, you may take multiple overseas and domestic trips within the 365-day period, with a per trip limit of 45-days. That means, you may take as many trips as you wish overseas within a year, provided those trips don’t exceed a 45-day period and you start and end your trip at your home in Australia each time^. 

    ^ Cover is subject to the policy terms, conditions and limitations set out in the current Combined Financial Services Guide and Product Disclosure Statement (PDS)

    Travel Insurance Quote 

    The difference between a year-long single-trip plan and the Annual Multi Trip Plan

    Do not confuse the Annual Multi Trip plan for a plan that will cover you overseas for a full year. The Annual Multi Trip plan provides cover for multiple recurring overseas and domestic trips of up to and no longer than 45-days each within that 365-day period, but not overseas cover for a year. 

    If you are going to be travelling overseas for a full year, then you may consider a single trip plan (Bare Essentials, Essentials or Comprehensive) to cover a year (up to 365-days) of overseas travel^.

    If you are already overseas, please refer to the already overseas page for further information. 

    ^ Cover is subject to the policy terms, conditions and limitations set out in the current Combined Financial Services Guide and Product Disclosure Statement (PDS)

    Extending your cover 

    Depending on your circumstances, if you want to change the dates of your cover, you’ll need to either extend your policy or buy a new one (for the additional days). You are eligible to extend your policy if^:

    • your current policy has not ended;
    • all travellers are currently within the plan age limits – such as if you are travelling with accompanying children who are still under 25;
    • you still meet all eligibility requirements of the policy;
    • you haven’t claimed and don’t intend to claim for an event that has already occurred;
    • there has been no change to your health since the issue of your Certificate of Insurance; and
    • you don’t have any specified medical conditions covered under your current policy.

    NOTE: The Annual Multi Trip plan cannot be extended past 45-days for international travel, only the single trip international plans (Bare Essentials, Essentials and Comprehensive) may be extended; however, you may be able to purchase a Comprehensive plan to cover you from the time your 45-days expires overseas, until the time you return to your home in Australia. 

    ^ Cover is subject to the policy terms, conditions and limitations set out in the current Combined Financial Services Guide and Product Disclosure Statement (PDS)

    Feel click the following link to find out more about long-term travel insurance.

    Some countries are making it a requirement that Australian travellers have some form of travel insurance for the duration of their stay in order to obtain a working holiday visa while staying in their country.

    Annual Multi Trip - Frequent Traveller

    If you’re someone who travels frequently throughout the year, whether it be for business or leisure, you may want to consider the Annual Multi Trip Plan. 

    The Annual Multi Trip Plan may provide you with up to 45 days cover per trip for international & domestic holidays within a 12 month period, provided you are more than 200km from your home. Enter your trip details and click ‘Get a Quote’, from there you can start to view the schedule of benefits for the available travel plans, the premiums, and you can read the Product Disclosure Statement (PDS).    

    The beauty of the Annual Multi Trip plan is that it also allows for domestic trips, provided that each trip;

    • Starts and ends at your home in Australia, and 
    • Is to a destination of at least 200km from your home in Australia, and 
    • Includes travel by either pre-paid scheduled public transport or hire car or includes at least one night of pre-booked publicly available accommodation.

    Click on Annual Multi Trip in the quote panel and select ‘Including USA and Nepal’ or ‘Excluding USA and Nepal’ to view the rates available on the Annual Multi Trip policy per your trip details. You can then view the schedule of benefits, premiums, and make sure you’ve read and understood the Product Disclosure Statement (PDS). Please note there are some countries that are excluded such as Do Not Travel countries.

    Annual Travel Insurance

    What makes an Annual Multi Trip Plan stand out? 

    The Annual Multi Trip plan differs from other plans because it covers a 365-day period, allowing for multiple trips with a maximum duration of 45-days within that 365-day period^.    

    Annual Travel Insurance
     

    Reasons why you might consider having Annual Multi Trip Policy

    ^ Cover is subject to the policy terms, conditions and limitations set out in the current Combined Financial Services Guide and Product Disclosure Statement (PDS).

    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, 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.