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    2025
    12
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    2025
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    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.

    Travel Insurance for Cruising

    Cruise Travel Insurance for Australians: Domestic and Overseas


    Cruise Travel Insurance

    Looking for Cruise Travel Insurance?

    Planning a cruise?

    Whether you're sailing domestically or overseas, Travel Insurance Saver offers a range of travel insurance products with cruise cover to suit your needs. You can get covered online quickly and easily.

    Cruise cover travel insurance for Australian waters

    Cruise cover travel insurance is available through Travel Insurance Saver for trips around Australia’s coastline. Known as an Australian Waters cruise, this travel insurance destination typically requires an international level of cover. Through the quote panel, you may select ‘Australian Cruise’ to opt for an international level of cover for your cruise in Australian Waters. Medicare and private health care providers within Australia do not extend medical cover to cruises in Australian waters, Smart Traveller recommends private travel insurance to cover travellers in Australian waters cruises for medical cover at sea. 

    Cruise Travel Insurance 

    Cruise Cover for Domestic and International Trips

    It's important to remember that Medicare and private health insurance do not cover cruises in Australian waters. If you're planning a cruise, you'll need to purchase an international travel insurance policy. Travel Insurance Saver offers cruise travel insurance cover on all international travel insurance policies.

    What Cruise Cover Includes

    Cruise cover extends some of the policy benefits, such as medical expenses, medical evacuation and repatriation, luggage costs, and cancellation cover, to cruising-related events.

    Benefits of Cruise Cover

    • Medical emergencies: If you're injured or become ill on a cruise, our policies can cover the costs of medical treatment, hospitalisation, and emergency evacuation.
    • Trip cancellations: If you need to cancel your trip due to unforeseen circumstances, such as a natural disaster or a family emergency, our policies may reimburse you for non-refundable expenses.
    • Lost or stolen luggage: Our policies can cover the cost of replacing your lost or stolen luggage and personal belongings.
    • Travel delays: If your flight is delayed or cancelled, our policies can cover the costs of additional accommodation and meals.
    • Cabin confinement: If you're confined to your cabin due to illness or injury, our policies may provide cover for this.
    • Missed port: If your cruise misses a scheduled port, our policies may provide cover for this.

    Choosing the Right Policy Online

    When selecting a travel insurance policy online, consider factors such as your destination, trip duration, planned activities, and any pre-existing medical conditions. You may compare different policies online or contact our team to discuss your specific needs.

    Get a quote online today and compare travel insurance with cruise cover from Travel Insurance Saver.

    Cruise Travel Insurance

    Did you know?

    • The cruise industry contributes $5.2 billion per year to the Australian economy.
    • Australia has the largest number of cruisers per capita in the world.
    • 85% of all cruises that depart from Australian ports are domestic cruises.
    • Cruise ships are considered international territory once they leave port.
    • A night in the infirmary on a cruise ship can cost upwards of a thousand dollars.
    • Medical evacuation from a cruise ship to a mainland hospital can range in the tens of thousands of dollars. 

    FAQ for Cruise Travel Insurance:

    Q: Do I need travel insurance for a domestic cruise in Australia?
    A: Yes, you need travel insurance for a domestic cruise in Australia. Medicare and private health insurance do not cover medical expenses incurred on board a cruise ship, even in Australian waters.

    Q: What does cruise travel insurance cover?
    A: Cruise travel insurance covers a range of events, including:

    • Medical expenses
    • Emergency medical evacuation and repatriation
    • Trip cancellation and curtailment
    • Lost or stolen luggage
    • Cabin confinement
    • Missed port

    Q: How much does cruise travel insurance cost?
    A: The cost of cruise travel insurance varies depending on factors such as your destination, trip duration, age, and coverage level.

    Q: How do I choose the right cruise travel insurance policy?
    A: Consider factors such as your destination, trip duration, planned activities, and any pre-existing medical conditions. Compare travel insurance quotes from different insurers to find the best coverage at a competitive price.

    Q: What should I do if I need to make a claim on my cruise travel insurance?
    A: Contact your insurer as soon as possible after the event occurs. Provide all necessary documentation, such as medical reports, receipts, and travel itineraries.

    Q: Is there an age limit for cruise travel insurance?
    A: The maximum age for cruise travel insurance with Travel Insurance Saver is 90 years old.

    Q: Are pre-existing medical conditions covered?
    A: Some pre-existing medical conditions may be automatically covered. You may contact us to discuss your specific condition.

    Q: Can I extend my policy while I'm already cruising overseas?
    A: Yes, you may be able to extend your policy while overseas, please make sure that you have extended before your policy has expired. Subject to certain conditions.

    Q: How do I make a claim?
    A: You can make a claim online or by contacting our claims team.

    Q: What is the difference between domestic and international travel insurance?
    A: Domestic travel insurance covers trips within Australia, while international travel insurance covers trips outside of Australia.

    Q: Do I need travel insurance for a cruise in Australian waters?
    A: Yes, you will need an international travel insurance policy with cruise cover. Medicare and private health insurance do not cover cruises in Australian waters.

    Q: What is the maximum trip duration covered by a single trip policy?
    A: 365 days.

    Q: What is the maximum trip duration covered by an Annual Multi-Trip policy?
    A: 31, 45, 62 or 93 days are available for travellers under 81 years of age. While, 31 and 45 days are available for travellers 81 to 90 years of age.

    Q: What is not covered by cruise travel insurance?
    A: Cruise travel insurance does not cover everything. Some common exclusions include:

    • Pre-existing medical conditions (unless you have declared them and paid an additional premium)
    • High-risk activities (such as scuba diving over 10 metres or rock climbing)
    • Travel to destinations with "Do Not Travel" warnings
    • Losses caused by your own negligence

    Additional Information for Cruise Travel Insurance:

    • Always read the Product Disclosure Statement (PDS) carefully before purchasing a policy.
    • The information provided here is a general overview and does not take into account your personal circumstances.
    • Contact us with any questions or to discuss your specific travel insurance needs.

    Get an online travel insurance quote for your upcoming cruise now!

    Get a travel insurance quote for your upcoming cruise. Whether you need cruise travel insurance cover for a trip in Australia’s pristine waters, a European river cruise travel insurance quote, or a Mediterranean cruise quote, or you want to see what travel insurance cruise cover options are available, Travel Insurance Saver offers a variety of cruise travel insurance cover options - so get a quote today! 

    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 cruise travel insurance policy.    

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    Awards

    Multiple award winning travel insurance company

    Travel Insurance Saver Awarded Australia's Best Travel Insurance 2025
    Awarded Exceptional Value Comprehensive Travel Insurance 2025
    Travel Insurance Saver Awarded Exceptional Value Cruise Travel Insurance 2025
    Travel Insurance Saver Awarded Exceptional Value Annual Multi Trip Travel Insurance 2025
    Pat CarnegieNov 10, 2023

    I am nearly 89. Many companies won’t give me a quote as they reckon that I am too old. Those that do quote want a large excess for cover on a cruise and have a complicated medical assessment. Travel Insurance Saver sold me an Annual International Policy at a reasonable price. Their website is clearly designed and easy to use.

    Chris RichardsApr 11, 2023

    I had a good look around and found this Travel Insurance Saver policy was just right for my travel needs with a very competitive premium. Other insurers loaded a hefty " cruise component", which is counter-intuitive considering trains, planes and cars/ coaches are much more susceptible to problems than the now stringently applied systems on cruise ships. Highly recommend.!

    Paul BOct 28, 2022

    My research found that Travel Insurance Saver provide the best value for money Multi Trip annual travel insurance that also includes Covid 19 cover. Thoroughly recommend you check them out. Very easy to book online.

    Disclaimer 

    Travel Insurance Saver Travel Insurance is arranged by Insurance Saver Pty Ltd, ABN 18 624 919 366, AR no: 001263726 and is issued by Chase Underwriting Solutions Pty Ltd ABN 50 156 554 808 (AFSL No. 454344), one of Australia's leading insurance specialists. Chase Underwriting Solutions Pty Ltd is authorised by ASIC to issue, deal in and provide general advice on general insurance products. Chase Underwriting Solutions Pty Ltd issues certificates under a binding authority granted by Lloyd's.

    General Advice Warning - The information contained in this website is correct at the time of publishing. The website and any advice given is of a general nature and does not take into account your objectives, financial situation or needs. If you are considering acquiring our travel insurance, you should obtain the Product Disclosure Statement (PDS) and Target Market Determination relating to the product and consider this before making any decision.

    View our Terms of Use, Complaints Policy, Privacy Policy, Translation Services Policy, Product Development & Distribution Policy and Family Violence and Financial Hardship Policy.

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