Travel Insurance Saver
Single Trip Annual Multi Trip
    2
    March
    2024
    3
    March
    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.

    $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.

    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

    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.

    Compare Travel Insurance

    Extras

    You may find while you are looking online for a travel insurance policy that there is a lot of variety – there is!  

    The internet has a range of websites that allow you to compare and save on travel insurance policies online. With different travel insurance providers, the different travel insurance policies available, there is a lot of information to process before you decide on a travel plan suitable for your trip. You may want to consider the following things when deciding on a travel insurance policy:   

    Travel Insurance Saver Awards

    Compare Excess

    What is an excess?

    An excess, or a deductible, is an amount the policy holder must pay if they proceed with making an insurance claim on their insurance policy.

    Not every travel insurance policy has the same excess, different excesses may apply for different events. Some excess limits are adjustable on certain policies.

    When you reduce your excess, you’ll notice that your premium has gone up – that’s because with a reduced excess you will pay less in the event of a claim.

    Compare Travel Insurance

    Compare 24/7 Call centre

    Before buying a travel insurance policy online, you may want to consider the travel plan that you are looking to select, and that the provider  has made available contact details both for Customer Service (general enquiries), and in the case of an emergency, a 24/7 contact service number is available internationally and domestically. 

    Compare exclusions

    It’s important to be aware of the claimable events outlined in the Product Disclosure Statement (PDS) of the travel insurance policy you are looking to select. Equally important is to be aware of the events that aren’t covered. 

    ‘General Exclusions’ outline situations, events and factors that aren’t covered under the travel insurance policy^. 

    Compare Emergency assistance - travel insurance compared online

    In the event of an emergency, you may need to speak to a 24/7 Emergency Assistance team. Please consider printing any important documents and have them with you while you travel such as contact details. You should also consider keeping a copy of your Certificate of Insurance when travelling overseas. 

    Compare sports cover cover online

    Snow sports cover cover isn’t automatically included as standard under the travel insurance policy and will need to be added on to applicable plans as an optional extra if you are going to be snow skiing and snowboarding on and off-Piste, backcountry skiing and snowboarding, or snowmobiling^. 

    Compare cancellation benefits

    You may want to compare online the different cancellation benefits available under a range of travel insurance policies, and the different events that are and are not covered. When you are looking online for a travel insurance policy, it’s important to read the Product Disclosure Statement, which outlines the applicable benefits, limitations, events that are covered, events that aren’t covered, general exclusions, and more^. 

    ^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.