Travel Insurance Saver
Single Trip Annual Multi Trip
    16
    June
    2024
    17
    June
    2024
    Traveller 1
    Traveller 2
    Child 1
    +Child/Children

    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. 


    Do you want to complete a medical screening? 

    After entering your trip details (Age, Destination, Dates) to get a quote first. Please click on the "Continue" button to be redirected to nib to complete a medical screening. You will need to enter in details such as name & email, the medical screening will be on the following page. 

    Snow Sports

    If you are participating in Snow sports on your trip you need to add this option to be provided cover for snow sports related events. Snow Sports cover is only available on the International Comprehensive, Annual Multi trip and Australian Travel plans.

    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. Click the link to find out more about Snow Sports travel insurance.

    $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.

    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. The trip must end at your home in Australia. A 72 hour waiting period may apply for policies purchased when you are already travelling. See waiting periods in the PDS for more information. 

    Annual Multi Trip

    Annual Multi Trip Plan, trip(s) means any travel up to 45 days in duration 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 200km from your home in Australia, and 
    • Include travel by either pre-paid scheduled public transport or hire car, or include at least one night of pre-booked publicly available accommodation
    Designed for people who are travelling internationally and may also be travelling domestically. 

    Child/Children

    Your children, stepchildren, grandchildren, foster children, and children for whom you are the legal guardian, who are travelling with you on the same itinerary for the entire duration of your trip and at the time the Certificate of Insurance is issued are:
    • under 25 years of age, and
    • working less than 30 hours per week.

    Coronavirus Travel Costs

    This benefit covers you for specific events related to coronavirus, such as contracting the virus causing you to cancel the trip or causing your quarantine; a healthcare worker's leave being cancelled; or you being denied boarding due to your suspected infection with coronavirus. Click the link to find out more about travel insurance for coronavirus.

    COVID-19 Medical

    Overseas Medical limit - $Unlimited^ (including COVID-19. Subject to policy terms, conditions, limitations and exclusions).
    ^Expenses for up to 12 months from the date an illness first appears or injury first occurs. Includes reasonable and necessary overseas medical expenses arising from sudden illness or serious injury (including COVID-19).

    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. Click the link to find out more about one way travel insurance.

    Japan history

    Extras

    The Japanese archipelago was disconnected from the continent after the last ice age, around 11,000 BC. 

    The first signs of civilization and stable living patterns appeared around 14,000 BC with the Jōmon culture. 

    The Yayoi period lasted from about 400 or 300 BC to 250 AD. It is named after Yayoi town, the subsection of Bunkyō, Tokyo where archaeological investigations uncovered its first recognized traces. 

    The Kofun period, began around AD 250, is named after the large tumulus burial mounds (kofun) that appeared at the time. The Kofun period saw the establishment of strong military states centred around powerful clans. 

    Buddhism was introduced to Japan in 538 by Baekje.

    Starting with the Taika Reform Edicts of 645, Japanese intensified the adoption of Chinese cultural practices and reorganized the government and the penal code in accordance with the Chinese administrative structure. 

    The Nara period of the 8th century marked the first emergence of a strong Japanese state. 

    The Heian period, lasting from 794 to 1185, is the final period of classical Japanese history. It is considered the peak of the Japanese imperial court. 

    The "feudal" period of Japanese history, dominated by the powerful regional families (daimyo) and the military rule of warlords (shogun), stretched from the 12th through the 19th centuries. 

    The Kamakura period, 1185 to 1333, is a period that marks the governance of the Kamakura shogunate and the transition to the Japanese "medieval" era, a nearly 700-year period. 

    A major event of the period was the Mongol invasions of Japan between 1272 and 1281., Whilst the Japanese were successful in stopping the Mongols, the invasion attempt had devastating domestic repercussions, leading to the extinction of the Kamakura shogunate. 

    The Muromachi period is a division of Japanese history running from approximately 1336 to 1573. 

    In 1543, a Portuguese ship, blown off its course to China, landed on Tanegashima Island Japan. During the following years, traders from Portugal, the Netherlands, England, and Spain arrived. 

    The 'Azuchi-Momoyama period runs from approximately 1568 to 1600. The period marks the military reunification and stabilization of the country under a single political ruler.

    During the Edo period, also called the premodern era, the administration of the country was shared by over two hundred daimyo. 

    Throughout the Edo Period, the development of commerce, the rise of the cities, and the pressure from foreign countries changed the environment in which the shoguns and daimyo ruled. In 1868, following the Boshin War, the shogunate collapsed, and a new government coalesced around the Emperor. 

    During the early part of the 17th century, the shogunate suspected that the traders and missionaries were forerunners of a military conquest by European powers. Christianity spread in Japan, especially among peasants. During this period of isolation (Sakoku) that began in 1635, Japan was much less cut off from the rest of the world than is commonly assumed, and some acquisition of western knowledge occurred under the Rangaku system. 

    The policy of isolation lasted for more than 200 years. On July 8, 1853, Commodore Matthew Perry of the U.S. Navy with four warships — the Mississippi, Plymouth, Saratoga, and Susquehanna — steamed into the bay at Edo, old Tokyo, and displayed the threatening power of his ships' cannons during a Christian burial, which the Japanese observed. He requested that Japan open to trade with the West. These ships became known as the kurofune, the Black Ships. 

    The following year, at the Convention of Kanagawa on March 31, 1854, Perry returned with seven ships and requested that the Shogun sign the "Treaty of Peace and Amity," establishing formal diplomatic relations between Japan and the United States. 

    The Anglo Japanese Alliance treaty was signed between the United Kingdom and Japan, on January 30, 1902, and announced on February 12, 1902. It was renewed in 1905, and 1911, before its demise in 1921, and its termination in 1923. 

    Japan entered World War I and declared war on the Central Powers. Though Japan's role in World War I was limited largely to attacking German colonial outposts in East Asia, it took advantage of the opportunity to expand its influence in Asia and its territorial holdings in the Pacific. 

    The post-war era brought Japan unprecedented prosperity. 

    Japan went to the peace conference at Versailles in 1919 as one of the great military and industrial powers of the world. It joined the League of Nations and received a mandate over Pacific islands north of the Equator formerly held by Germany. 

    During the 1920s, Japan progressed toward a democratic system of government in a movement known as 'Taishō Democracy'

    Under the pretext of the Manchurian Incident, Lieutenant Colonel Kanji Ishiwara invaded Inner (Chinese) Manchuria in 1931. After several more similar incidents fuelled by an expansionist military, the second Sino-Japanese War began in 1937 after the Marco Polo Bridge Incident.

    Having joined the Anti-Comintern Pact in 1936, Japan formed the Axis Pact with Germany and Italy on September 27, 1940. 

    Japan fought the Soviet Union in 1938 in the Battle of Lake Khasan and in 1939 in the Battle of Khalkhin Gol. Comprehensive defeat of the Japanese by the Soviets led by Zhukov in the latter battle led to the signing of the Soviet–Japanese Neutrality Pact. 

    In retaliation to the invasion of French Indochina the U.S. began an embargo on such goods as petroleum products and scrap iron. On July 25, 1941, all Japanese assets in the US were frozen. 

    The attack on Pearl Harbor, sanctioned by Emperor Shōwa on December 1 1941, occurred on December 7 and the Japanese were successful in their surprise attack. 

    The Japanese Navy's offensive ability was crippled as a result of its defeat at the Battle of Midway by the American Navy which turned the tide against them. Japan signed an instrument of surrender on the USS Missouri in Tokyo Harbor on September 2, 1945. 

    As a result of its defeat at the end of World War II, Japan lost all of its overseas possessions and retained only the home islands. 

    From the 1950s to the 1980s, Japan experienced rapid development into a major economic power, through a process often referred to as the Japanese post-war economic miracle.

    Tokyo established relations with Beijing in 1972. Close cooperation in the economic sphere followed. 

    Back to Japan Travel Insurance page.

    Before choosing a policy, please be aware that terms and conditions, exclusions, limits and/or sub-limits will apply to most sections. It is important to read the Product Disclosure Statement (PDS) before making any purchase to ensure the cover provided matches your specific requirements.