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    2025
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    Medical Condition

    An 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 activities 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. 

    Find out more about Cruise Travel Insurance.

    Motorcycle

    As a driver, you must have a valid Australian motorcycle licence. You must be wearing a helmet. There are no cc limits that apply.


    If you are a passenger of the drive must have a motorcycle licence that is 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
    • 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.

    Travel Insurance for Business

    - Businesss travel insurance

    Travelling for business and need travel insurance? 

    Travel Insurance for Business

    Get travel insurance online for your upcoming business trip with cover for overseas medical and cancellation of trip from Travel Insurance Saver. Get a quote now! 

    Travelling for business and need travel insurance?  

    At Travel Insurance Saver we offer an Annual Multi Trip travel insurance plan that may provide you with travel insurance if you are travelling for business purposes when from Australia to go overseas, or domestically (More than 100km from home), for a period of 31, 45, 62 or 93 days are available for travellers under 81 years of age. While, 31 and 45 days are available for travellers 81 to 90 years of age.

    There are also single trip products available from us if you want to cover a standalone journey. 

    The benefits available under both the annual multi-trip product and the single-trip products may be suitable for Australians who are travelling overseas or domestically within Australia for business or commercial purposes. 

    Business travel insurance
    Travel insurance for business - Australians in the commercial world  

    In the commercial and business world, fluidity and ease of communication and travel is valued. Online video call platforms like Zoom have assisted in evolving communication in the global workspace. However, face-to-face meetings, particularly for meetings requiring in-person interaction, are still the preferred method of communication in many circumstances.  

    Travel insurance for business to protect from unforeseen events 

    Currently in the world there is no subsidised global health care system. Australia has some reciprocal health agreements between a number of nations; however, these agreements are limited to countries within Western Europe and to New Zealand and vary between nations as to what medical coverage is available. 

    Travel insurance for business, that is, a travel insurance product with suitable benefits for Australians who are travelling overseas for commercial or business purposes, is available online from Travel Insurance Saver.   

    What do the travel insurance products from TIS cover for Australians travelling overseas for business?  

    The following summary of cover displays some of the benefits available from the products offered by Travel Insurance Saver and which may be suitable for business related travel. Benefits may vary depending on the product selected, if any optional extras are selected, and the traveller’s trip details such as age(s), destinations, and dates.  

    • Overseas emergency medical assistance and expenses cover  
    • Medical evacuation and repatriation cover 
    • Luggage and personal belongings cover 
    • Replacement passport and travel documents (including credit cards and traveller’s cheques). 
    • Rental vehicle insurance excess (Essentials, Comprehensive & Annual Multi Trip plans) 

     

    Looking for Business Travel Insurance?

    The travel insurance products available from us include the above benefits which may cover an Australian traveller who is overseas for business purposes in the case of an unforeseen insured event. If you are an expatriate working overseas and frequently returning back to Australia within a 90-day work/travel period, then this plan may suit your business trip requirements if you are an Australian travelling overseas and seeking business travel insurance. A condition of this policy is that you must travel to and from Australia within a 90-day period over an annual period.  

    If you are travelling for longer than a 90-day period, you may compare the single trip travel insurance products from Travel Insurance Saver which may provide cover for up to one year of travel overseas. If you are a student travelling overseas for a year long period, or a two year period, click here to read about travel insurance for students/gap year.  

    Travel insurance for business employers

    If you are a business employer, you may consider selecting an international travel insurance product for your employees who are travelling overseas for business or commercial purposes and are seeking travel insurance to cover them while they are away. A valid travel insurance product may mitigate uncertainty in the business travel environment, such as through cover like cancellation of trip or travel delay. For instance, if you were to miss a flight due to an unforeseen reason outside of your control, you may be covered for lost travel deposits under travel delay benefits. If you want to book travel insurance for a group of your employees for an upcoming business trip, you may speak with our friendly team.  

    Can I travel to a country with a ‘Do Not Travel’ warning from Smart Traveller?  

    There are certain countries which are not covered for travel by the products available from Travel Insurance Saver. Countries which have a ‘Do Not Travel’ warning from the Smart Traveller government website, and other sanctioned countries, are not covered. To see a list of countries which are not covered, click here.  

    Annual Multi-Trip for Australians going overseas for business. 

    The annual multi-trip travel insurance product may be suitable for business related travel as it affords flexibility, providing cover for up to multiple 90-day international travel periods over a calendar year, multiple trip cover for an annual period. This may be particularly suitable if you are an expatriate business worker who is travelling multiple times a year from Australia to overseas destinations. This means you can take out one policy for the year and be covered for all your trips.*  

    *You are covered for the level of cover you have selected and for the destinations you have selected. If you wish to add new destinations or change your travel dates or details after you have purchased a policy you may inquire with us.  

    Looking for Business Travel Insurance? 

    When selecting the online travel insurance plan that fits your needs you may wish to consider comparing those items within the schedule of benefits that will display along with limits and sub-limits for your chosen plan. 

    After you’ve read and understood the Product Disclosure Statement (PDS), you may select a travel insurance plan that suits your travel needs^. 

    Travel Insurance Saver may tailor a travel insurance plan that may assist in meeting your business travel insurance needs. 

    Do you require overseas travel insurance for a business trip? 

    After you have read and understood the Product Disclosure Statement (PDS), you may select an overseas travel insurance plan from Travel Insurance Saver which may suit your business travel insurance needs. 

    Get an online travel insurance quote for your business trip.  

    If you are searching online for business travel insurance, Travel Insurance Saver is here to help. Once you have compared the online travel insurance options and benefits from us, and read the terms and conditions of the Product Disclosure Statement, you may be ready to choose a travel insurance product for your trip. If you need to speak to us about travel insurance options for an upcoming business trip, you can contact our team to discuss. If you are ready to continue and start looking at travel insurance options for your overseas trip, you can click here to get a quote.  

    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) before choosing an online travel insurance policy. 

    Business travel insurance

      

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    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.

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