Travel Insurance Saver
Single Trip Annual Multi Trip
    25
    July
    2024
    26
    July
    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.

    Travel Insurance Saver Corporate Page

    Corporate

    Insurance Saver Pty Ltd is a company incorporated in the State of Victoria, Australia (ABN 18 624 919 366).

    Travel Insurance Saver is wholly owned by Insurance Saver Pty Ltd and is bound by any rules and regulations as they apply to Insurance Saver Pty Ltd.

    Corporate Governance

    Corporate Governance is the system by which companies are managed. It influences how the objectives of the company are set and achieved, how risk is monitored and assessed, and how performance is optimised.

    Good corporate governance procedures encourage companies to create value whilst providing accountability and controls commensurate with the risks involved.

    Insurance Saver Pty Ltd is committed to high standards of corporate governance, policies and procedures.

    Directors and Executive Officers Code of Conduct

    This code of conduct sets ethical standards for the directors of Insurance Saver Pty Ltd.
    Directors will pursue the highest standards of ethical conduct in the interests of shareholders and all other stakeholders.

    The following five principals govern their conduct.

    Honesty and Integrity
    1. Directors shall act honestly and with integrity in all of their dealings with the company. This includes engaging in and promoting honest and ethical conduct, including the ethical handling of actual or apparent conflicts of interest between professional and personal relationships.
    2. Directors will not discriminate on the grounds of person’s race, religion, gender, marital status or disability.
    3. Directors will not make commitments that the company does not intend or would not be able to honour.
    4. Directors’ conduct at all times will be such that their honesty is beyond question.
    5. Directors shall adhere to the truth, and not mislead directly or indirectly nor make false statements, nor mislead by omission.
    Confidentiality of Information
    1. Directors will take all reasonable measures to protect the confidentiality of non-public information obtained or created in connection with their activities and to prevent unauthorised disclosure of such information.
    2. Directors will not use information obtained by them as a Director of Insurance Saver Pty Ltd for personal financial gain, nor will that information be used to obtain a financial benefit or gain for any other purpose or business.
    3. Directors shall respect the privacy of others.
    Disclosure of Interests
    1. Directors shall fully disclose active private or other business interests promptly and any other matters which may lead to a potential or actual conflict of interests in accordance with such policies as the Directors may adopt from time to time.
    2. In performing their duties Directors will carry out their responsibilities to the exclusion of any other personal advantage.
    3. Directors should avoid any situation involving a conflict, or appearance of a conflict, between their personal interests and the performance of their duties. If such a conflict arises, Directors should inform the board and withdraw from participation in decision-making relating to the matter.
    4. Directors shall fully disclose any direct or indirect relationship they might have with Insurance Saver Pty Ltd.
    Disclosure of Information
    1. Produce true, fair, accurate and timely disclosure in reports and documents that Insurance Saver Pty Ltd and its subsidiaries are required to make.
    Abiding by the Law
    1. Directors shall abide by the law at all times, including any applicable rules and regulations.
    Payments, Gifts, Entertainment and Travel
    1. Directors shall not use their status as a director to seek gain from those doing business or seeking to do business with Insurance Saver Pty Ltd.
    2. In regards to acceptance of favours, gifts and entertainment, Directors should use tact and judgment to avoid the appearance of improper influence on the performance of their official duties.

    Code of Business Conduct

    The purpose of the Code of Conduct is to guide and enhance the conduct and behaviour of Insurance Saver Pty Ltd directors, officers, employees and contractors in performing their everyday roles. The code encourages and fosters a culture of integrity and responsibility with the focus on augmenting the Company’s reputation as an employer, business partner and corporate citizen, in all our relationships.

    The Insurance Saver Pty Ltd Code of Conduct underpins the way the Company wishes to operate and should be understood and abided by all concerned.

    THE CODE


    Directors, officers, employees and contractors should approach dealings with other persons equitably and with respect. This involves:
    1. Courtesy and responsiveness in dealing with others.
    2. Fairness in supervision and dealing with other staff by valuing colleagues and their personal commitment to meet shared objectives.
    3. Encouraging cooperation and engaging rational debate to accomplish alternative points of view.
    4. Avoiding behaviour that might reasonably be perceived as harassment, bullying or intimidation.
    5. Understanding and responding to the needs of our business partners and other stakeholders.
    Respect for the Law

    Directors, officers, and employees should gain, and act accordingly by observing and respecting the laws, customs and business methods of all countries in which we operate to the extent that we adhere to the underlying principles of the Code of Conduct.

    Integrity

    Directors, officers, employees should consistently maintain their integrity while carrying out their duties by avoiding conflicts between their private interests and their responsibilities to:
    1. Personal, financial and sexual relationships.
    2. Receipt of gifts and other benefits that may create an obligation.
    3. Use of confidential information obtained in the course of your duties.
    4. External activities and public comment.
    Diligence

    Directors, officers, employees and contractors should carry out their roles in a professional and conscientious manner. This involves:
    1. Endeavouring to achieve the highest standards of performance and adhering to professional codes of conduct where applicable.
    2. Exercising care for others in employment-related activities.
    3. Taking responsibility for all issues for which we have control.
    4. Reporting fraudulent or corrupt activities.
    Economy and Efficiency

    Directors, officers, employees and contractors should carry out their roles in a cost-effective and responsible manner. This includes:
    1. Using Insurance Saver Pty Ltd property and equipment only for authorised company business.
    2. Avoiding waste of company resources.
    3. Maintenance of adequate security over Insurance Saver Pty Ltd property and resources.

    Directors

    The Insurance Saver Pty Ltd Code of Conduct underpins the way the Company wishes to operate and should be understood and abided by all concerned

    Managing Director - Mr Stephen C Grey

    The founder of Insurance Saver, Stephen has been involved in the Australian travel and tourism industry for the past twenty years. Specifically, Stephen was Managing Director of the Wannon group of companies which primarily provided passenger transport and tourism-related services.