Travel Insurance Saver
Single Trip Annual Multi Trip
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    2025
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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 when on your Honeymoon

    We offer a range of travel insurance plans which may be suitable for travellers going on a honeymoon whether in Australia or overseas.

    Need travel insurance for your upcoming honeymoon?

    Honeymoon travel insurance is available from Travel Insurance Saver. If you are searching online for travel insurance for an overseas or domestic honeymoon holiday, Travel Insurance Saver offer a number of travel insurance products which may be suitable for your upcoming trip. 

    Honeymoon Travel Insurance

    Planning your honeymoon? Consider protecting your trip with travel insurance from Travel Insurance Saver. Whether you're embarking on a single trip or planning multiple adventures throughout the year, we offers a range of products designed to suit honeymooners. 
     
    Single Trip or Annual Multi-Trip Options for Honeymooners

    For couples going on a once-in-a-lifetime honeymoon, a Single Trip policy offers comprehensive coverage for the duration of your trip. This option may be suitable for those who do not anticipate travelling frequently throughout the year.

    If you're planning multiple trips or extended travel throughout your first year of marriage, an Annual Multi-Trip policy might be a good choice. This policy covers multiple trips within a 12-month period, offering flexibility and convenience.

    Coverage Benefits for Honeymooners

    Policies include benefits that may be important for honeymooners:
    • Medical Expenses and Assistance (up to $10,000,000): In the event of unexpected illness or injury, medical coverage can assist you in receiving prompt medical care. This includes emergency medical expenses, hospital stays, and medical evacuation if necessary.
    • Cancellation Fees and Lost Deposits (up to $15,000): Cancellation coverage can protect you from financial loss if you need to cancel your honeymoon due to unforeseen circumstances like illness, injury, or a family emergency.
    • Luggage and Personal Effects (up to $5,000): Lost, stolen, or damaged luggage can disrupt your honeymoon. Luggage coverage may reimburse you for the value of your belongings, allowing you to replace essential items.

    Enhanced Protection

    • Snow Sports Cover: If your honeymoon includes skiing, snowboarding, or other snow sports, this optional extra may cover you for medical expenses and other unforeseen events related to these activities.
    • Motorcycle Cover: This provides protection for accidents, theft, and damage to your rented motorcycle.
    • Pregnancy Cover: For pregnancies up to and including 23 weeks, this offers protection for serious pregnancy complications that could not have been reasonably predicted.
    Honeymooning While Pregnant? 
    Planning a honeymoon while expecting? Our travel insurance offers specialised coverage for pregnant travellers, that may assist with a worry-free and memorable experience.

    Travel Insurance when on a Honeymoon

    What's Covered:

    • Serious Pregnancy Complications: Unforeseen complications that threaten the mother or unborn child's health are covered, up to 23 weeks gestation. This includes necessary medical expenses and emergency assistance.
    • Trip Cancellation or Curtailment: If a serious pregnancy complication forces you to cancel or cut your honeymoon short, you may be reimbursed for non-refundable costs.

    What's Not Covered:

    • Routine Prenatal Care: Regular check-ups and non-emergency appointments are not covered.
    • Childbirth: Expenses related to childbirth, regardless of gestation, are excluded.
    • Pre-existing Conditions: Complications arising from known pre-existing conditions may not be covered.

    Important Considerations:

    • Doctor's Approval: Always consult your doctor before travelling while pregnant.
    • Policy Limits: Be aware of coverage limits and exclusions.

    Embark on your honeymoon with confidence, knowing you have the support you need. Contact Travel Insurance Saver today for a quote.


    Disclaimer: This information is a brief overview. Refer to the Product Disclosure Statement for full details.

    General Exclusions
    While policies offer comprehensive coverage, it's important to be aware of general exclusions that may apply. These typically include pre-existing medical conditions, high-risk activities like extreme sports, and travel to destinations with government-issued travel warnings. Please read the policy wording carefully to understand the full scope of coverage and exclusions.

    Honeymoon Travel Insurance FAQs


    Q: Does travel insurance cover lost or stolen engagement rings?

    A: Yes, engagement rings are typically covered under luggage and personal belongings coverage, subject to policy limits.

    Q: Can I purchase travel insurance after I've already left for my honeymoon and am already overseas?

    A: Yes, you can purchase a travel insurance policy from Travel Insurance Saver even if you have already left and are overseas. A 48-hour waiting period applies from the time you purchase your policy until cover for any event begins. 

    Q: What should I do if I need to make a claim?

    A: Claims can be made online through the Claims Portal. If you have any queries about how to make a claim, feel free to contact us for information. claims

    Planning your honeymoon? Get a quote from Travel Insurance Saver today.


    Disclaimer: This article is for informational purposes only and should not be considered financial advice. Please refer to the Product Disclosure Statement for full policy details, limits, sub-limits, and exclusions.

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