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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.

    Domestic Travel Insurance

    Domestic Travel Insurance 

    What is Domestic Travel Insurance?

    Domestic travel insurance is insurance that provides coverage for unexpected events that may occur while traveling within Australia (Excluding Cruising). In Australia, this means coverage for trips within Australia, including flights, accommodation, and other travel-related activities. While it may seem unnecessary, domestic travel insurance can protect you from financial losses due to trip cancellations, lost luggage, medical emergencies (medical evacuation), and other unforeseen circumstances.

    Does domestic travel insurance cover cruises in Australia

    If you are seeking travel insurance for a cruise in Australia you must select the ‘Australia - Cruise’ destination option. 

    Domestic Travel Insurance

    Cruises in Australian Waters

    It's important to note that Medicare and private health insurance do not cover cruises in Australian waters. If you're planning a cruise within Australia, you'll need to select ‘Australian Cruise’ during the quote process to ensure you have the necessary coverage.  

    Domestic Travel Insurance in Australia

    When planning a trip within Australia, unforeseen events can occur. Travel Insurance Saver offers domestic travel insurance policies that can provide coverage for various situations.  

    Trip Cancellations

    If you need to cancel your trip due to unexpected circumstances, such as a natural disaster or a family emergency, our domestic travel insurance policies can reimburse you for non-refundable expenses.  

    Lost or Stolen Luggage

    Our domestic travel insurance policies can cover the cost of replacing your lost or stolen luggage and personal belongings.  

    Rental Car Excess

    If you're renting a car for your domestic travel, our policies can cover the excess you may need to pay if the car is damaged or stolen.  

    Benefits of Buying Travel Insurance Online

    Purchasing travel insurance online offers several advantages:

    • Convenience: Compare and purchase travel insurance from the comfort of your home, 24/7.  
    • Quick and Easy: Get an online quote in minutes and receive your policy documents within 5 minutes via email.  
    • Cost-Effective: Online travel insurance can often be more affordable than traditional options.  
    • Wide Range of Choices: Compare different policies side-by-side to find the perfect fit for your needs.  

    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 plans from Travel Insurance Saver.  

    Domestic Travel Insurance

    FAQ for Travel Insurance:

    Please read our answers to some commonly asked questions around travel insurance in Australia for domestic cover. 

    Q: Is there an age limit for travel insurance?
    A: The maximum age for 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 should contact us to discuss your specific condition.  

    Q: Can I extend my policy while I'm travelling domestically?
    A: Yes, you may be able to extend your policy while overseas, you must extend your policy before your policy expires. 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. ‘Australian cruise’ provides cover for domestic cruises.  

    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, which comes under ‘Australian cruise’. 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 travel insurance?
    A: 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 skydiving or bungee jumping)  
    • Travel to destinations with "Do Not Travel" warnings  
    • Losses caused by your own negligence  
    • Childbirth  
    • Routine prenatal care  
    • Any expenses that would normally have been incurred during Your Trip if there had been no cancellation or Curtailment post-departure.  
    • Any claim arising out of pregnancy where You are travelling against Your doctor's advice and/ or if expecting to give birth within 17 weeks of completing Your Trip and/or pregnancy up to 23 weeks gestation at the date the policy ends, where complications exist relating to this pregnancy, it is a multiple pregnancy and/or the pregnancy is the result of assisted reproductive programs.   
    • Delays or rescheduling by a bus line, airline, shipping line or rail authority.  
    • Your disinclination to travel or your loss of enjoyment.  

    Additional Information for Domestic 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. 

    Secure your Australian adventure with domestic travel insurance! Get a quote online today and enjoy peace of mind on your travels.

    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.


    Useful Links
    Annual travel insurance
    Backpackers travel insurance
    Domestic travel insurance
    Budget travel insurance
    Travel insurance Australia
    Travel insurance online
    Travel insurance quote

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    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
    hothsv1May 20, 2024

    easy to obtain a quotation for the insurance. Also i called the number on the website regarding further questions I had, spoke with Adam, very friendly and professional team member answered my questions with no issues and emailed me all information i was asking for. Thank you

    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.

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