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    Medical Condition

    A 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 add-ons 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. 
    The destination 'Australia - Cruise' is classifed as the South Pacific inc New Zealand region. 

    Covid-19 Medical is automatically included under "Overseas Emergency Medical Expenses".

    Find out more about Cruise Travel Insurance.

    Motorcycle / Scooter

    Motorcycles

    As the rider, you must have a current Australian motorcycle licence and comply with local road laws. There are no cc limits that apply.


    Scooters/Moped

    You must have a current Australian motorcycle licence or Australian drivers licence to ride a scooter/moped (step through scooter's only) overseas.  


    You must be wearing a helmet on Scooters and Motorcycles.


    Passenger

    If you are a passenger travelling on a motorcycle, moped or scooter, the person in the control must hold a current motorcycle licence 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 incl New Zealand and Australia - Cruise. 
    • 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.

    What is the best travel insurance for me?

    Mozo Experts Choice Award Winners


    Travel Insurance Saver named Australia’s Best Travel Insurer in 2025

    Through a rigorous valuation process, Travel Insurance Saver has been crowned Australia’s best Travel Insurer for 2025 - Find out more by clicking here.   

    Best Travel Insurance

    What is the best travel insurance? 

    Finding what is the best travel insurance for you should perhaps be rephrased as ‘what is the most suitable travel insurance based on my trip details?’ While there are many awards given to different travel insurance providers based on product features and services which could be described as ‘best travel insurance in a particular field’, best is synonymous with suitability for your trip. 

    General Information & Choosing the Right Policy

    • Understanding Your Travel Insurance Needs: Travel insurance isn't one-size-fits-all. Your needs depend on factors like your destination, trip duration, planned activities (snow sports, cruise, etc.), age, and health (pre-existing medical conditions).

    Types of Travel Insurance Policies:

    • Single Trip: Covers a single trip for a specified duration. Single trip policies include Medical Only, Essentials, and Comprehensive. 
    • Annual Multi-Trip: Covers multiple trips within a year, usually with a maximum trip length. Annual Multi-Trip can be tailored based on the benefits available under single trip i.e. Medical Only Annual Multi-Trip, Essentials Annual Multi-Trip, and Comprehensive Annual Multi-Trip.  
    • Medical Only: Focuses on overseas medical expenses and emergency assistance.
    • Comprehensive: Includes medical coverage plus trip cancellation, baggage loss, and other benefits.
    Best Travel Insurance

    Key Factors to Consider When Choosing Travel Insurance:

    • Age: The age of the traveller may affect policy premium, as well as if there are any declared pre-existing medical conditions.
    • Destination: Some destinations have higher medical costs or require specific coverage.
    • Activities: Adventure activities like scuba diving have specific limitations. Snow sports cover is an optional extra for an additional premium. 
    • Pre-existing Medical Conditions: Disclose any conditions to make sure they are covered. Terms and conditions apply. 

    How Much Travel Insurance Do You Need?:

    Coverage limits vary. Choose limits that adequately cover potential medical costs, trip cancellation expenses, and the value of your belongings.
     

    What to look for in a Travel Insurance Policy:

    • Benefits: Understand what's covered, including medical, cancellation, baggage, and other key areas.
    • Exclusions: Be aware of what's not covered, such as pre-existing conditions or high-risk activities and ‘Do Not Travel’ destinations. 
    • Claim Process: Please complete your claim online by visiting the claims page.

    Common Travel Insurance Misconceptions:

    • "I have health insurance, so I don't need travel insurance." Private health insurance does not cover medical overseas. Likewise, Medicare does not cover cruising around Australian waters. 
    • "Travel insurance is too expensive." The cost of travel insurance is often minimal compared to the potential financial losses of an unforeseen event. Depending on your trip details, travel insurance may be affordable compared to the cost of overseas medical expenses incurred while travelling. 

    Best Time to Buy Travel Insurance:

    The right time to buy travel insurance depends on your trip details. Some travellers may choose to buy travel insurance after they have outlaid funds on prepaid travel arrangements such as flights or accommodation. The best time to buy travel insurance depends on the traveller and their travel plans.  

    Specific Travel Needs & Situations:

    • Travel Insurance for Families: The travel insurance products available from TIS include cover for children who are travelling with their parents. 
    • Travel Insurance for Seniors: Medical Only coverage for Australian senior travellers is available from us. 
    • Travel Insurance with Pre-existing Medical Conditions: Some pre-existing medical conditions are automatically covered, refer to PDS or contact us to discuss. If your pre-existing medical condition is not automatically covered you may need to conduct a medical screening through Travel Insurance Saver to determine if you can have your pre-existing medical condition approved.
    • Travel Insurance for Adventure Activities: Choose policies with optional coverage for specific activities like skiing, scuba diving, or hiking. 
    • Travel Insurance for Cruises: Look for policies with cruise-specific benefits like missed port coverage or cabin confinement.
    • Travel Insurance for Backpackers: Consider long-term or multi-trip policies with coverage for baggage, theft, and medical expenses.
    • Domestic vs. International Travel Insurance: Domestic policies typically focus on medical coverage, while international policies offer broader benefits like trip cancellation and baggage loss.
    Looking for the Best Travel Insurance?

    Cost & Value:

    • Finding Affordable Travel Insurance That Meets Your Needs: Compare quotes from different providers, consider online-only policies, and adjust coverage levels to find a balance of cost and value.
    • Is Cheap Travel Insurance Worth It?: Choose a policy that effectively suits your travel needs, such as for overseas travel, one that includes overseas medical coverage and medical evacuation and repatriation cover. 
    • How to Compare Travel Insurance Quotes Effectively: Travellers may compare from a number of travel insurance aggregator resources online like Compare the Market. Compare coverage limits, benefits, exclusions, as well as the premium price, and make sure you have fully read and understood the PDS. 

    Claims & Support:

    • Understanding the Travel Insurance Claims Process: You may submit your claim online, claims are normally processed within 10 days. Make sure you have all of the relevant documentation and details for your specific claim. 
    • What to Do if You Need to Make a Claim: Contact your insurer as soon as possible, gather supporting documents, and follow their instructions.
    • Importance of 24/7 Emergency Assistance: Travel Insurance Saver offers 24/7 emergency assistance. 

    Additional Tips:

    • Top Tips for Choosing the Right Travel Insurance: Read the PDS carefully, compare quotes, disclose pre-existing conditions, and buy early.
    • Essential Questions to Ask Your Travel Insurer: Clarify coverage limits, exclusions, pre-existing medical conditions, destinations, and any other queries.
    • Resources and Tools for Travel Insurance Research: Refer to reputable sources like Mozo, CHOICE, Smartraveller, and the insurer's website for information and comparisons.
     
    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. 

    Contact Travel Insurance Saver

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    Awards

    Multiple award winning travel insurance company

    Travel Insurance Saver Awarded Australia's Best Travel Insurance 2025
    Awarded Exceptional Value Comprehensive Travel Insurance 2025
    Travel Insurance Saver Awarded Exceptional Value Cruise Travel Insurance 2025
    Travel Insurance Saver Awarded Exceptional Value Annual Multi Trip Travel Insurance 2025
    Pat CarnegieNov 10, 2023

    I am nearly 89. Many companies won’t give me a quote as they reckon that I am too old. Those that do quote want a large excess for cover on a cruise and have a complicated medical assessment. Travel Insurance Saver sold me an Annual International Policy at a reasonable price. Their website is clearly designed and easy to use.

    Chris RichardsApr 11, 2023

    I had a good look around and found this Travel Insurance Saver policy was just right for my travel needs with a very competitive premium. Other insurers loaded a hefty " cruise component", which is counter-intuitive considering trains, planes and cars/ coaches are much more susceptible to problems than the now stringently applied systems on cruise ships. Highly recommend.!

    Paul BOct 28, 2022

    My research found that Travel Insurance Saver provide the best value for money Multi Trip annual travel insurance that also includes Covid 19 cover. Thoroughly recommend you check them out. Very easy to book online.

    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.

    View our Terms of Use, Complaints Policy, Privacy Policy, Translation Services Policy, Product Development & Distribution Policy and Family Violence and Financial Hardship Policy.

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