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    2025
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    Medical Condition

    An 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 activities 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. 

    Find out more about Cruise Travel Insurance.

    Motorcycle

    As a driver, you must have a valid Australian motorcycle licence. You must be wearing a helmet. There are no cc limits that apply.


    If you are a passenger of the drive must have a motorcycle licence that is 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
    • 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 the Family

    Family travel insurance

    Family Travel Insurance: Protecting Your Loved Ones on Holiday 

    Looking for comprehensive travel insurance for your family? Compare our policies online, read the PDS, and get a quote today. Need help? Contact us to discuss your options. 

    Family Travel Insurance:

    Need family travel insurance for your upcoming holiday? Travel Insurance Saver offer a number of travel insurance products online which may be suitable for a family holiday. With free cover for children, the products available include cover for overseas medical costs, cancellation of trip, luggage, and more.  

    There are also optional extras like cruise travel insurance for a family holiday or snow sports cover for your family skiing or snowboarding adventure. Travel Insurance Saver also offer cover for an extensive list of adventure and sporting activities. Selecting the appropriate travel insurance product for your family holiday can help protect from any unforeseen events that may occur while travelling. You can continue reading our family travel insurance information guide, or get a quote today and protect your family’s holiday.  

    Key Features of Family Travel Insurance: 

    • Overseas Medical Cover: Medical emergencies can happen anytime, anywhere. Our family travel insurance includes comprehensive overseas medical cover, ensuring your family receives the necessary treatment and care while abroad. This covers hospitalisation, doctor's visits, medications, and even emergency medical evacuation if needed. 
    • Cancellation Cover: Trip cancellations can be a major financial setback. Our family travel insurance protects your investment by covering cancellation fees for flights, accommodations, and other prepaid expenses. This coverage typically applies to unforeseen events like illness, injury, or a death in the family, allowing you to recoup your costs and reschedule your trip without significant financial loss. 
    • Lost Deposits Cover: If your travel supplier goes bankrupt or ceases operations, your non-refundable deposits are at risk. Our family travel insurance includes lost deposits cover, reimbursing you for these losses and ensuring your family's holiday plans aren't derailed by unforeseen circumstances. 
    • Holiday Curtailment Cover: Sometimes, unexpected events force you to cut your trip short. Holiday curtailment cover compensates you for the unused portion of your trip, including accommodations, activities, and flights. This ensures you're not left out of pocket if you need to return home early due to covered reasons like illness, injury, or a family emergency. 
    • Annual Multi-Trip Cover: For families who travel frequently, an annual multi-trip policy offers convenience and cost savings. This type of policy covers multiple trips within a year, as long as each trip doesn't exceed the specified duration. With annual multi-trip cover, you can enjoy hassle-free travel insurance protection for all your family adventures throughout the year. 
    • Snow Sports and Activities Cover: If your family enjoys skiing, snowboarding, or other winter activities, snow sports cover is essential. Our family travel insurance policies offer optional snow sports cover, ensuring you're protected while hitting the slopes. This coverage typically includes medical expenses and emergency evacuation.
    • Coverage for a Range of Activities: From hiking and swimming to snorkelling and surfing, our family travel insurance covers a wide range of activities. This ensures your family is protected while participating in their favourite pastimes, offering comprehensive coverage for medical expenses, personal liability, and other potential risks. 

    Don't leave your family's travel plans unprotected. Get a quote for family travel insurance today to see what travel insurance is available.

    Family travel insurance
     

    Frequently Asked Questions (FAQ): 

    • Can I include my children in my family travel insurance policy? Yes, most family travel insurance policies cover children travelling with their parents or guardians. Be sure to check the policy's age limits and coverage details. 
    • What if I need to cancel my trip due to a family emergency? If you need to cancel your trip due to a covered family emergency, like a death or serious illness, your family travel insurance policy may reimburse you for non-refundable expenses. 
    • Does family travel insurance cover pre-existing medical conditions? Some policies may offer coverage for pre-existing medical conditions, but it's crucial to disclose any existing conditions when purchasing insurance. Check the policy's terms and conditions for details. 
    Remember: Travel insurance is a vital investment for any family holiday. Choose a policy that suits your family's needs and travel plans. 


    Travel Insurance for Child/Children


    Annual Multi-Trip Travel Insurance: The Perfect Solution for Globetrotting Families 
     
    For families who love to explore the world, an annual multi-trip travel insurance policy can be a game-changer. This type of insurance offers comprehensive coverage for multiple trips throughout the year, saving you both time and money compared to purchasing individual policies for each journey. 
     

    Why is an Annual Multi-Trip Ideal for Families? 

     
    Families often travel more frequently than individuals, whether it's school holidays, weekend getaways, or extended vacations. An annual multi-trip policy eliminates the need to purchase new insurance for each trip, simplifying the process and ensuring you may always be covered. This is especially convenient for families with busy schedules who may not have time to research and compare different policies for each trip. The Annual Multi-Trip stays valid for one year only, if your Annual Multi-Trip policy expires, i.e. the return date on the Annual Multi-Trip policy lapses, you can always purchase another Annual Multi-Trip policy to ensure continuous travel insurance cover.  

    Family travel insurance 

    Comprehensive Travel Insurance Cover with Annual Multi-Trip 

     
    Annual multi-trip policies typically offer the same level of coverage as individual policies - this means you can select the appropriate level of cover for your Annual Multi-Trip (Medical Only, Essentials and Comprehensive), including: 
    • Overseas medical cover: May provide financial protection in case of illness or injury while abroad. 
    • Trip cancellation cover: Reimburses you for non-refundable expenses if you need to cancel your trip due to unforeseen circumstances. 
    • Lost deposits cover: Protects you from losing deposits if your travel supplier goes bankrupt. 
    • Holiday curtailment cover: Compensates you for the unused portion of your trip if you need to cut it short due to covered events. 
    • Baggage and personal effects cover: Protects your belongings against loss, theft, or damage during your trip. 
    • Personal liability cover: May provide financial protection if you accidentally injure someone or damage their property. 

    Snow Sports Travel Insurance for Family

     
    For families who enjoy skiing, snowboarding, or other winter sports, annual multi-trip policies with snow sports coverage are ideal. This coverage typically includes: 
    • Medical expenses: Covers medical costs if you are injured while participating in snow sports. 
    • Emergency evacuation: May provide financial assistance if you need to be evacuated from the slopes due to a medical emergency. 
    • Equipment cover: Protects your skis, snowboard, and other equipment against damage or theft. 
    Popular Snow Sports Destinations for Families: 
    • Japan: Renowned for its powdery snow and family-friendly resorts, Japan is a top destination for skiing and snowboarding families. 
    • Canada: With vast ski areas and breathtaking scenery, Canada offers a diverse range of winter sports activities for families of all ages. 
    • Switzerland: Home to some of the world's most famous ski resorts, Switzerland may provide a luxurious and unforgettable winter sports experience for families. 

    Get a Quote Today!

     
    If you're a family who loves to travel, an annual multi-trip travel insurance policy can offer the perfect solution for your needs. With comprehensive coverage, snow sports options, and convenience, you can embark on your next adventures.

    Get a quote today and start planning your next globetrotting adventure! 

     
    Other benefits that may be included in family travel insurance from Travel Insurance Saver, depending on the specific policy chosen, can include: 
    • Personal Liability: May provide coverage if you or your family members are legally liable for accidentally injuring someone or damaging their property while travelling. 
    • Baggage and Personal Effects Cover: Protects your belongings against loss, theft, or damage during your trip. This can include luggage, clothing, electronics, and other personal items. 
    • Travel Delay: Reimburses you for additional expenses incurred due to unexpected delays, such as accommodation, meals, and transportation costs. 
    • Missed Connections and Departure: Covers additional expenses if you miss a connecting flight or departure due to circumstances beyond your control, such as flight cancellations or delays. 
    • Rental Car Excess: Reduces or waives the excess you need to pay if your rental car is damaged or stolen. 
    • Personal Accident: May provide financial compensation in the event of accidental death or permanent disability while travelling. 
    • Hijacking and Kidnapping: Offers coverage for expenses related to hijacking or kidnapping incidents, including ransom payments and crisis management services. 
    • Home Contents Cover: Protects your home and its contents while you are away on holiday, offering coverage for theft, fire, and other damage. 
    Remember to always carefully review the Product Disclosure Statement (PDS) of your chosen policy to understand the full extent of coverage, benefits, limitations, and exclusions. 
      
    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 for your family.

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    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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