Travel Insurance Saver
Single Trip Annual Multi Trip
    25
    April
    2025
    26
    April
    2025
    Traveller 1
    Traveller 2
    Traveller 3
    Traveller 4
    +Traveller

    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.

    Central America Travel Insurance

    Looking for Central America travel Insurance?

    Enter your travel details in the quote panel to view travel insurance for Central America.

    There is no region for Central America, please enter all countries that you will be travelling when getting a travel insurance quote to Central America. 

    Central America including Mexico 

    Central America includes countries such as Belize, Costa Rica, El Salvador, Guatemala, Honduras, Nicaragua and Panama. Central America is one of the most vibrant places in the world to visit. If we include Mexico, it consists of lush jungles, rainforests, and desert plains. Please check Smart traveller, if there is a Do Not Travel warning, that specific country is not covered.  

    Medical   

    Mexico has without a doubt the best food in the world; tacos and burritos everyday – who wouldn’t find that appetizing? Moving into technical Central America the food consists largely of rice and beans with meat, the food is simple but delicious and affordable. 

    Enjoy the Caribbean  

    Central America is situated on the sliver of land between North and South America. This area of land is fronted on both sides by two oceans. In the West is the Pacific Ocean, and in the East is the Caribbean Ocean. The Caribbean Ocean is famous for its turquoise and clear warm waters. Belize is one of the first countries you enter from Mexico. This country’s native language is English, in contrast to the rest of Central America, where they speak Spanish.   

    In the Caribbean you can chance to take a number of fishing expeditions on the shore in the crystal-clear waters 

    The Mayan Civilization  

    Next to Belize is Guatemala, the most populated country in Central America with around 16 million people living there. The capital of Guatemala is Guatemala City. Throughout Guatemala are many ancient Mayan cities that make great places to visit, particularly if you are backpacking. 

    Scuba diving  

    While in Honduras you might go scuba diving, there are a number of amazing reefs around the coastline, such as Roatan reef. In keeping with the tradition of visiting Mayan ruins while in Central America, the Chopan Ruinas make a great visit if you’re in Honduras. Likewise, El Salvador has the Joya de Ceren ruins. In El Salvador you can also visit the Santa Ana Volcano.  

    Pura Vida! 

    Probably the most visited country in Central America is Costa Rica. The Costa Rican motto is pura vida – meaning pure life. Costa Rica is famed for its lush jungles, wildlife parks and abundance of nature. The capital of Costa Rica actually has quite a lot to offer in terms of multi-culturalism; you would have never thought you’d find a yum cha restaurant in the middle of San Pedro!  

    In Costa Rica, you can also go in wander of the famed stone spheres. Who crafted these spheres, humans, aliens? Maybe we are aliens! Anyhow, there are a number of stone spheres laid out all over the Costa Rican countryside. The cities of Costa Rica have a lot to offer, as do the seaside towns. 

    Panamania 

    If you travel from Costa Rica to the South, you will cross the border into Panama. Panama is most well-known for Panama City, and within Panama City the Panama Canal. This canal was first built in 1914 and has since expanded. Panama also has incredible beaches, particularly around the island of Bocas del Toro. 

    Bocas del Toro is a party island with some beautiful coastlines but if you’re tired from travelling around Central America and need a more relaxed experience, you can head from Bocas del Toro to the island of Bastimentos. Bastimentos is a very relaxed island with warm and friendly locals; there are no roads here and only a couple of hostels.  

    It’s the perfect place to unwind. You’ll find a number of locations particularly attractive – like the coffee and chocolate house located a short walk through the jungle from the main area of Bastimentos. Or a longer walk through the jungle, which can prove quite exciting, you’ll come across the Red Frog Beach – possibly one of the most beautiful beaches in the world. 

    The country we haven’t mentioned yet is Nicaragua. Nicaragua has so much to offer the budding traveller and is a favoured destination for young people. Its affordability and attractive locale have made it a more and more popular travel destination in recent years.  

    Useful Links

    Worldwide Travel Insurance
    Seniors Travel Insurance
    Cruise Travel Insurance
    Backpacker Travel Insurance
    Business Travel Insurance
    Holiday Insurance
    Cancellation Cover Travel Insurance
    Snow Travel Insurance
    IEC Travel Insurance
    Off Piste and Back Country Skiing
    Already Overseas Travel Insurance

    Central America Travel Insurance

    Travel Alert: You can only travel to your destination if there is no travel ban in place or if you have an exemption. Also, while a destination has a 'Do Not Travel' warning in place for COVID-19, our policies won't cover a loss arising from COVID-19 in that destination. See the latest government advice at smartraveller.gov.au and health.gov.au, and check the travel insurance alerts. 

    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 travel insurance to Central America.