Travel Insurance Saver
Single Trip Annual Multi Trip
    27
    May
    2024
    28
    May
    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. 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.

    Climate in India

    Extras

    When people think of India, they might think of a place that is extremely hot, and for the most part, they are right, but India’s climate, like its geography, is varied. The northern parts of India can be very cold because they lie in the Himalayan mountains. Temperatures in Srinagar, a northern town, can reach lows of -2.5 degrees Celsius; however, this town might not be on the typical traveller’s bucket list. Further south along the coast, in the middle parts of India, you’ll find the city of Mumbai, where the weather is drier and more arid. Mumbai’s year-round average temperature sits at a cosy 30 degrees Celsius, so remember to pack shorts.  

    India’s geography is extremely varied and because of this, it is a marvel to travel. In the one country, you can see deserts, ice-capped mountains, lush jungles and tropical beaches. Not to mention rolling cities as far as the eye can see. 

    India is in South Asia. The country lies entirely on the Indian Plate in the northern portion of the Indo-Australian Plate. The country lies to the north of the equator between 8°4' and 37°6' north latitude and 68°7' and 97°25' east longitude. It is the seventh-largest country in the world, with a total land area of 3,287,263 square kilometres. India measures 3,214 km from north to south and 2,993 km from east to west. It has a coastline of 7,517 km.  

    India is bounded to the southwest by the Arabian Sea, to the southeast by the Bay of Bengal and the Indian Ocean to the south. Cape Comorin constitutes the southern tip of the Indian peninsula, which narrows before ending in the Indian Ocean. The southernmost part of India is Indira Point in the Andaman and Nicobar Islands. The Maldives, Sri Lanka and Indonesia are island nations to the south of India with Sri Lanka separated from India by a narrow channel of sea formed by Palk Strait and the Gulf of Mannar. The territorial waters of India extend into the sea to a distance of twelve nautical miles (22 km) measured from the appropriate baseline.  

    The northern frontiers of India are defined largely by the Himalayan Mountain range where its political boundaries with China, Bhutan, and Nepal lie. Its western borders with Pakistan lie in the Punjab Plain and the Thar desert. In the far northeast, the Chin Hills and Kachin Hills, deeply forested mountainous regions, separate India from Burma while its political border with Bangladesh is defined by the watershed region of the Indo-Gangetic Plain, the Khasi hills and Mizo Hills.  

    Officially, India's highest point is K2 at 8,611 m, though this is in the Pakistani-administered Kashmir, a disputed region. Kanchenjunga in Sikkim at 8,598m is the second-highest point in India and the third highest in the world. Climate across India ranges from equatorial in the far south, to Alpine in the upper reaches of the Himalayas. 

    The Ganges is the longest river in India and forms the Indo-Gangetic Plain. The Ganges-Brahmaputra system occupies most of northern, central and eastern India, while the Deccan Plateau occupies most of southern India. Along with its western frontier is the Thar Desert, which is the seventh largest desert in the world.  

    Back to India Travel Insurance page.

    Before choosing a policy, please be aware that terms and conditions, exclusions, limits and/or sub-limits will apply to most sections. It is important to read the Product Disclosure Statement (PDS) before making any purchase to ensure the cover provided matches your specific requirements.