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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 Overseas Medical Expenses

    Travel Insurance for Overseas Medical Expenses: Your Safety Net Abroad

    Unexpected illness or injury can strike anywhere, especially when you're far from home. That's why comprehensive travel insurance with a focus on overseas medical expenses is crucial for any trip.

    Travel Insurance Saver offers a range of options to protect you from the financial burden of medical emergencies abroad, ensuring you get the care you need without worrying about exorbitant costs.

    Medical travel insurance

    Understanding Your Options

    Single Trip vs. Multi-Trip:

    • Single Trip: Ideal for one-off trips or extended stays abroad, this option may provide coverage for a single journey. Benefits include overseas medical expenses, trip cancellation, and baggage cover.
    • Multi-Trip: Perfect for frequent travellers, this policy covers multiple trips within a 12-month period. Enjoy continuous protection for medical emergencies, lost luggage, and more, without needing to purchase new insurance for each trip.

    Comprehensive vs. Medical Only:

    • Comprehensive: This offers extensive protection, covering a wide range of events, including medical emergencies, trip cancellations, baggage issues, and personal liability. It's the most comprehensive option.
    • Medical Only: If your primary concern is medical coverage, this plan focuses on essential health-related benefits, including unlimited emergency medical expenses, evacuation, and repatriation to Australia.

    Already Travelling?

    Don't worry if you've already started your trip! Travel Insurance Saver offers "Already Overseas Travel Insurance" with comprehensive or medical-only options, ensuring you can get covered even after departure.

    Medical travel insurance

    What's Covered?

    Emergency Medical Expenses: Unlimited cover for necessary and reasonable medical costs incurred overseas, including hospitalisation, surgery, and repatriation.

    • 24/7 Emergency Assistance: Access to the global assistance team for immediate support with medical emergencies, travel arrangements, and more.
    • Evacuation and Repatriation: Coverage for medically necessary evacuation to the nearest suitable medical facility and repatriation back to Australia.
    • Existing Conditions: Cover for some pre-existing medical conditions may be available after a medical screening process. Refer to the PDS for details.

    What's Not Covered?

    • Undeclared Existing Conditions: It's crucial to declare all pre-existing medical conditions when purchasing your policy. Failure to do so may result in claims being denied.
    • High-Risk Activities: Certain adventurous activities may be excluded or require additional cover. Check the PDS for a list of covered and excluded activities.
    • Alcohol or Drug-Related Incidents: Medical expenses resulting from being under the influence of alcohol or drugs are generally not covered.

    Optional Extras:

    • Snow Sports Cover: Enjoy your time on the slopes with cover for medical expenses, equipment damage, and trip cancellations related to snow sports activities.

    Cruise Travel Insurance. 

    • Cruise Cover: Get cover for medical emergencies onboard, cabin confinement, missed port excursions, and more.

     

    Medical travel insurance

    Getting a Travel Insurance Quote:

    To get a personalised travel insurance quote, you'll need to provide:

    • Age: Premiums are calculated based on age, as older travellers may have higher medical risks.
    • Destination: Your destination influences the level of risk and therefore the cost of your insurance.
    • Trip Duration: Longer trips generally require higher premiums.
    • Choose any optional extras that apply to your trip, such as snow sports after you get a quote. Click 'Continue' button to apply. 

    FAQs about Overseas Medical Expenses:

    • What if I need to see a doctor overseas? Contact the emergency assistance team , and they will guide you to a suitable medical facility and assist with claim procedures.
    • Are ambulance costs covered? Yes, medically necessary ambulance transportation is typically covered under overseas medical expenses.
    • What if I need to be flown back to Australia for treatment? Your policy may include cover for medical repatriation to Australia if deemed medically necessary.

    Travel with Confidence

    With Travel Insurance Saver, you can explore the world with confidence, knowing you have a safety net in place for unexpected medical expenses. Choose the policy that suits your needs.  

    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). Make sure you’ve read and understood the (PDS) prior to choosing a travel insurance policy. 

    Contact Travel Insurance Saver

    If you have any question's please fill in the form below and one of our friendly team members will get in touch soon.

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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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