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    2024
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    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. Click the link to find out more about Snow Sports travel insurance.

    $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.

    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. Click the link to find out more about travel insurance for 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. Click the link to find out more about one way travel insurance.

    Travel Insurance when Camel Trekking and Camel Riding

    There may be cover for camel trekking and camel riding under all international travel insurance policies. 


    Some General exclusions to consider, but not limited to 


    Under the policy wording there is no specific cover mentioned for it but there is no exclusion either, so cover may be available but that can only be determined after assessment of claim, as claims are assessed case by case basis. 

    General Exclusions to consider, but not limited to, a loss arising from: 

    • A member of the travelling party intentionally and recklessly placing themselves in circumstances, or undertaking activities which pose a risk to their personal safety (except in an attempt to save a human life); or
    • Excluded Activities - hunting, playing polo, racing (except on foot), mountaineering using support ropes, paragliding, rock climbing, abseiling, participating in BASE jumping, running with the bulls, or pot holing; or
    • Professional Activities - participating in, or training for, a professional sporting activity.

    Please refer to the Product Disclosure statement to view PDS, FSG and all General Exclusions. 

    Camel trekking and camel riding with travel insurance

    Travel insurance by benefit: 

    Travel Insurance Saver offers a variety of online travel insurance plans that may provide cover for camel riding. Camel riding is not generally excluded under the available travel insurance plans, though is subject to other general exclusions and policy conditions and limitations. These plans cater to various travel needs and include overseas medical expenses and different amounts for medical evacuation and repatriation, as follows:

    • Bare Essentials: Up to $250,000 for Medical Evacuation and Repatriation.
    • Essentials: Up to $500,000 for Medical Evacuation and Repatriation.
    • Comprehensive and Annual Multi-Trip: Unlimited Medical Evacuation and Repatriation.

    Travel insurance cover is based on the event and subject to exclusions, conditions, or limitations as per the combined FSG and PDS by Travel Insurance Saver. No cover is provided for professional sports or adventure activities.
    Travel insurance when camel riding

    Some conditions may apply to travel insurance when Camel Riding:

    Cover may be available for camel riding/trekking related events depending on the event. Claims are assessed on a case-by-case basis. Camel riding/trekking is not generally excluded under the Travel Insurance Saver PDS. However, other general exclusions, conditions and limitations may apply. To know what you are and are not covered for, make sure you have fully read and understood the Product Disclosure Statement.

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    Travel insurance when Camel Riding with existing medical conditions:

    For travellers with existing medical conditions planning to partake in camel riding, an existing medical condition screening is required to cover the condition as a specified medical condition, with an additional premium. This is applicable for Comprehensive and Annual Multi-Trip plans for overseas travel and the Australian Travel plan for domestic travels.

    Over 40 existing conditions are automatically covered, subject to criteria fulfillment. Conditions not automatically covered require a screening if certain criteria are met, focusing on chronic, symptomatic, under investigation, or terminal conditions, and any treatment, medication, or surgery in the six months before policy purchase.

    Travel insurance when Camel Riding

    Travel insurance with cover for different destinations: 

    Camel riding destinations like Morocco, Egypt, United Arab Emirates, Jordan, India, Oman, Australia, Mongolia, and Tunisia offer unique experiences. For those needing cancellation cover for prepaid camel riding arrangements, selecting a plan with optimal cancellation and holiday deferment cost cover is advisable.

    The Bare Essentials plan offers a static $2,500 cancellation cover,
    whereas the Essentials, Comprehensive, and Annual Multi-Trip plans allow for adjustable cancellation and holiday deferment cost limits.

    Travel insurance when Camel Riding with an Annual Multi-trip plan

    For multiple camel riding trips in a year, the Annual Multi-Trip plan provides up to 45 days of cover per trip within an annual period, which may provide travel insurance cover for the aforementioned destinations when selected during the quote process.

    Travel Insurance Saver's online plans also cover a wide list of destinations, provided they are selected when obtaining a quote. However, destinations with a 'DO NOT TRAVEL' advisory from the Australian Government are excluded from travel insurance cover.

    Get a travel insurance quote

    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.  

    Contact Travel Insurance Saver

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    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 and act as nib's agent and not as your agent. This is general advice only. Before you buy, you should consider your needs, the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and Target Market Determination (TMD) available from us. This insurance is underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193.

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