Travel Insurance Saver
Single Trip Annual Multi Trip
    28
    October
    2021
    29
    October
    2021
    Traveller 1
    Traveller 2
    Dependant 1
    +Dependant

    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

    Snow Sports

    If you are participating in Snow sports on your trip you need to add this option to be covered.

    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.

    $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 have changed this amount to $0.

    Cruise

    Cruising is covered as standard. If the cruise only stops in one country, just select that country.

    If the cruise only visits stops within Australia, make sure you select the ‘Cruising – 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, 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.

    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. Click here to find out more

    Altitude Limits

    There are no altitude limits associated to cover when hiking. Please refer to the Product Disclosure Statement for full terms, limitations, conditions, and exclusions. Click here to find out more

    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. 

    8-Things-to-Remember-to-Get-The-Best-Travel-Insurance-Travel-Insurance-Saver

    Extras

    Imagine that you have planned a trip with your family or friends to your dream destination. You are all set for the vacation. Flight bookings are done, hotel rooms are reserved; but suddenly, one of these things happens:
    • You have to cancel your trip due to some unavoidable reasons.
    • A natural calamity hits your destination.
    • You suffer from a health problem during or before the trip.
    Such problems may occur during or before your travel, and you may get trapped in a sticky situation. So, it is better to be safe than sorry. If you are a travelling overseas, make sure that you have the best travel insurance for your travel needs taken out before you set out for your trip. If you have already departed and need travel insurance there is this option as well. 

    Here are some important tips which you need to know before you buy travel insurance.
     

    1. Firstly, Know What Travel Insurance Is

    Read the Product Disclosure and Statement and Policy Wording. Surprisingly, a lot of people don’t know very much about travel insurance. Travel insurance is designed to cover the unpredicted medical emergencies and events like trip cancellation that are outside of your control. Always check the general exclusions as well to ensure that there aren't any conflicting terms in the wording that you need when travelling. 

    You must note that a travel insurance policy is not a substitute for your health insurance policy in your home country. However, a medical component is included in your travel insurance policy to cover sudden illness or accidental injury during your travel. The level of coverage is dependent on the plan which you opt for.   

    2. Check Some Important Factors

    a. Level of coverage

    Before buying travel insurance, you need to check whether the policy covers medical expenses occurred abroad and onboard a cruise ship.

    b. Payout time and other requirements

    Do you need documentation or any written report of the incident to support your claim, within a given timeline? You are always entitled to make a claim for assessment, however it is important that you get any supporting documentation such as a police report or airline message outlining the incident. Do this immediately once you have first noticed the issue or within the first 24 hours Always check the PDS to confirm before taking out any policy. 

    3. Check The Exclusions From Your Insurance Policy

    Travel insurance policies will have some exclusions which they will not cover you for. For instance

    • Specific activites such as Base jumping
    • Pandemic and Epidemics such as COVID-19 

    After checking the exclusions, you can then choose the best travel insurance for your travel needs.   

    4. Know If You Wish To Choose An Annual Policy Or Single Trip Cover 

    While searching for the best travel insurance policy, you need to have a basic foresight about your travel goals so that you can choose the right policy. If you know that you are going to travel several times in a year than you can choose an annual multi travel insurance policy which may cover all of your trips and can be far more cost-effective, make sure you don't exceed the maximum duration of any one trip back and forth from Australia. Otherwise, you can simply stick with a single trip travel insurance policy which may cover for one or multiple destination in the one trip. 

    6. Know Everything About Amount Of Premiums

    Travel insurance premiums are based on age, duration, destination, existing medical conditions or any additional activities such as Snow Sports travel insurance

    7. Check The Cancellation Policy

    It’s not fun to cancel your trip due to suffering a serious injury or illness before departing or while travelling. Many unexpected problems may pop up. However, you need to note that not all travel insurance policies cover cancellation of flights and accommodation or limits may apply. So make sure that you read the policy wording carefully before you take out your travel insurance policy.

    8. Pay Attention To Government Warnings

    Many travel insurance policies may have a clause where they won’t cover you in case you travel to a country which your government has warned you against travelling to. Based on this clause, the insurer can argue that the risk was foreseen, and you were warned. So, be aware about the governments before planning your travel and signing your travel insurance policy. 

    At Travel Insurance Saver, we offer amazing travel insurance policies to help suit the needs of our customers. If you are planning your travel soon, then speak with us and get the best travel insurance policy for your travel needs!

     

    Contact Travel Insurance Saver

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    Single Trip Annual Multi Trip
      28
      October
      2021
      29
      October
      2021
      Traveller 1
      Traveller 2
      Dependant 1
      +Dependant

      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

      Snow Sports

      If you are participating in Snow sports on your trip you need to add this option to be covered.

      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.

      $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 have changed this amount to $0.

      Cruise

      Cruising is covered as standard. If the cruise only stops in one country, just select that country.

      If the cruise only visits stops within Australia, make sure you select the ‘Cruising – 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, 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.

      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. Click here to find out more

      Altitude Limits

      There are no altitude limits associated to cover when hiking. Please refer to the Product Disclosure Statement for full terms, limitations, conditions, and exclusions. Click here to find out more

      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.