Travel Insurance Saver
Single Trip Annual Multi Trip
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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 to Hong Kong

    Hong Kong Travel Insurance

    Hong Kong is considered as the pearl of the south. It is a state-of-the-art, multi-ethnic city with a lot to see. 

    Hong Kong goes parallel with the Chinese culture at present. It’s considered as a financial and trade centre and is an amazing place to visit, even as the “Shanghai Effect” becomes perceptible.  

    Hong Kong Island and its adjacent islands are similar to two different worlds. The island encompasses its own big park on Victoria Peak, a Trappist Monastery, colonial museums, a mystifying supply of local markets, a zoological park, Disneyland and lot of temples, and that is virtually around the corner when you’re staying there. 

    Travel Insurance to Hong Kong 

    No wonder, numerous writers were and are so spellbound and a host of movies has been shot there. It’s a magical place by nature, as much as by design. 

    For visitors, Hong Kong has always been and persists to be a great place to visit. It’s quite affordable in terms of world standards. 

    An individual who’s ever seen the South China Sea coast at its best is likely to be glad about the comfort, enlightened luxuries and the deep Chinese character. Likewise, China, the actual risk to your budget is the wish to buy all the attractive things you find. Hong Kong is claimed to be among the major distributors of the remarkable Chinese art, cultural items and furniture all over the world, and Hong Kong shopping for Sinophiles is optimistically addictive. 

    Click here to compare travel insurance to Hong Kong


    Map Hong Kong Travel Insurance

    Hong Kong Demographics

    Language:  Cantonese, English
    Area:   1,084 sq. km  
    Capital City:   Victoria
    ± GMT:  + 8 hours 


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    Information about Hong Kong

    A territory located in Southern China in East Asia, bordering the province of Guangdong to the north and facing the South China Sea to the east, west and south. Renowned for its expansive skyline and natural setting, Hong Kong is one of the world's leading financial capitals, a major business and cultural hub, and maintains a highly developed capitalist economy. Hong Kong is located on China's south coast, 60 km east of Macau on the opposite side of the Pearl River Delta. 

    Hong Kong informationFlag Hong Kong Travel Insurance

    Hong Kong Geography
    Hong Kong Climate
    Hong Kong Attractions
    Hong Kong Activities
    Hong Kong History

    Australian Consulate-General Hong Kong,

    Address
    23/F Harbour Centre
    25 Harbour Road, Wan Chai
    Hong Kong
    China (People's Republic of)
    Telephone +852 2827 8881
    Fax          +852 2585 4457

    Travel Insruance for Hong Kong

    Please refer to the Australian Government website Smartraveller for general information about Hong Kong SAR. Please read the PDS before considering travel insurance to Hong Kong.

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    Hong Kong Travel Insurance

    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 travel insurance to Hong Kong.