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    22
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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 for Cruising

    Cruising is covered as standard on all international travel insurance plans offered by Travel Insurance Saver.  


    If you are planning an Australian cruise, please select 'Australian Waters' as your destination to display products that include cruise cover for Australian Waters. Similarly, if you are travelling to the South-Pacific on a cruise, you may select the ‘South-Pacific Cruise’ destination. Unsure of cruise destinations? Contact Travel Insurance Saver for more information about cruise travel insurance. 

    Cruise Travel Insurance

    Looking for Cruise Travel Insurance?

    All international policies include travel insurance for cruising as standard. If you are cruising to multiple destinations, enter all destinations into the quoting panel. If you are cruising to several destinations but travelling by air to several other destinations, similarly, just enter all the destinations you will be travelling to, from the time you depart from your home in Australia, until the time you return to your home in Australia.      

    Cruise Travel Insurance

    Cruise Holiday – Looking to go on a cruise and need travel insurance?

     
    With Travel Insurance Saver we may be able to offer a travel insurance plan for your next cruise. Cruising is a fantastic way to see the world. 

    It is not all time at sea; most cruises stop at several exotic destinations along the way, giving you time to stretch your sea legs and breathe in the sights and sounds – whether it be a Pacific Cruise to destinations like tropical New Caledonia, Fiji and Vanuatu, or a Mediterranean Cruise around Sicily and Malta.

    Perhaps you are taking a European River Cruise, and will be enjoying a nice schnitzel in Vienna, or a photograph with friends on the Charles Bridge in Gothic Prague

    Australian Waters – Cruise Destination

    If you are planning a cruise around Australia, please select 'Australian Waters' on the Travel Insurance Saver website as a destination to display products that include cruise cover in Australian Waters. If you are cruising around Australia but have entered ‘Australia’ as your destination, you will not be covered for cruising. You must select ‘Australian Waters’ rather than ‘Australia’ if you are cruising in Australian waters. 

    Cruise Travel Insurance

    Heading away and wanting to take out Cruise Travel Insurance?

    Cruising is covered as standard on all international travel insurance policies. Please include all international destinations in your quote. 

    Travel Insurance for Cruising is listed in the PDS in definitions under scheduled public transport

    • publicly available flights, cruises, rail services, bus services, ferries that run to a published timetable.

    Please get a travel insurance quote for cruising from Travel Insurance Saver to view prices, benefits, and the Product Disclosure Statement.

    Taking a Cruise to New Caledonia

    If you are travelling to New Caledonia (Noumea) you may be required to inform custom that you have Covid-19 medical and Cruise Travel Insurance. 

    • Covid-19 medical is automatically included under Overseas Medical Expenses . 
    • Travel Insurance for cruising is automatically applies as standard on international policies. Please include “South Pacific Cruise” as a destination so both requirements are listed on your Certificate of Insurance. 
    Useful Links

    Domestic travel insurance
    Comprehensive travel insurance
    Travel insurance when backpacking

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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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