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    2024
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    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.

    Travel Insurance when Mountain Biking

    Travel insurance when mountain biking by benefit: 

    Travel Insurance Saver offers a variety of online travel insurance products that may provide cover for mountain biking-related claimable events, subject to the event and adhering to the terms, conditions, and limitations in the current combined FSG and PDS. Travel insurance cover for events such as overseas medical expenses, medical evacuation, and repatriation is included, with specific limits based on the selected plan. Claims are assessed on a case-by-case basis:

    Mountain Bike Travel Insurance
    • Bare Essentials: $250,000 for Medical Evacuation and Repatriation.
    • Essentials: $500,000 for Medical Evacuation and Repatriation.
    • Comprehensive: Unlimited Medical Evacuation and Repatriation.
    • Annual Multi-Trip: Unlimited Medical Evacuation and Repatriation.

    Some conditions may apply to travel insurance when mountain bike riding:

    Cover may be available for mountain biking related events depending on the event. Claims are assessed on a case-by-case basis. Mountain biking is not generally excluded under the Travel Insurance Saver PDS. However, other general exclusions, conditions and limitations may apply. To know what you are and are not covered for, make sure you have fully read and understood the Product Disclosure Statement.Travel insurance when mountain bike riding
    • General exclusions to consider, but not limited to, a loss arising from:
    • A member of the travelling party intentionally and recklessly placing themselves in circumstances, or undertaking activities which pose a risk to their personal safety (except in an attempt to save a human life); or
    • Excluded Activities - hunting, playing polo, racing (except on foot), mountaineering using support ropes, paragliding, rock climbing, abseiling, participating in BASE jumping, running with the bulls, or pot holing; or
    • Professional Activities - participating in, or training for, a professional sporting activity.
    For travellers looking to mountain bike when travelling domestically or overseas, it is important to note that there may be cover for this activity depending on the event. There is no cover for a traveller taking part in a paid-professional sporting activity. Individuals with existing medical conditions may need to undergo a screening to have their condition approved as a specified medical condition under the selected travel insurance plans (Comprehensive and Annual Multi-Trip). 
    Mountain Bike Travel Insurance
     

    Annual Multi-Trip Travel Insurance 

    The Annual Multi-Trip plan may be suitable for those planning multiple mountain biking trips within a year, offering up to 45 days of cover per trip within the annual period. Travel insurance cover is contingent on selecting the destinations during the quote process, but it's necessary to note that no cover is provided for destinations with a 'DO NOT TRAVEL' advisory from the Australian Government's Smart Traveller website.

    Travel insurance when mountain biking destinations

    Travel Insurance Saver's plans may cover a range of claimable events related to mountain biking, including cancellation or holiday deferment, and sudden injury overseas medical expenses. Travel insurance cover requires selecting the destination from the online quote panel, with options including:

    Travel insurance when mountain biking

      

    • United States: Offers diverse terrain for mountain bikers in locations like Colorado and Utah.
    • Canada: Boasts epic landscapes for mountain biking in British Columbia and Alberta.
    • Switzerland: Provides challenging yet rewarding trails in the Alps.
    • New Zealand: Features diverse landscapes and thrilling tracks in Queenstown and Rotorua.
    • Italy: Offers scenic trails in the Dolomites and Tuscany.
    • Spain: Presents varied terrain in the Sierra Nevada and Catalonia.
    • South Africa: Showcases scenic beauty and challenging tracks in Western Cape and Drakensberg.
    • Australia: Provides diverse landscapes for mountain biking in Tasmania and Victoria.
    • France: Offers world-renowned trails in the Alps and Pyrenees.
    • Austria: Presents alpine landscapes and purpose-built trails in Tyrol and Leogang.

    Travel insurance when Mountain Bike Riding - Cancellation benefit

    Selecting a travel insurance plan with optimal cancellation and holiday deferment cost cover may be necessary to cover the costs of cancellation of prepaid travel arrangements in the case of a claimable event. The Bare Essentials plan offers a static $2,000 for cancellation and deferment costs, whereas the Essentials, Comprehensive, and Annual Multi-Trip plans provide adjustable limits for increased travel insurance cover at an additional premium.

    Mountain Bike Travel InsuranceYour position

    Cover is subject to the policy terms, conditions, and limitations and exclusions set out in the Product Disclosure Statement. Always read the Product Disclosure Statement before making a decision about any travel insurance policy.  

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    Insurance Saver Pty Ltd, ABN 18 624 919 366, AR 001263726 is an authorised representative of nib Travel Services (Australia) Pty Ltd (nib), ABN 81 115 932 173, AFSL 308461 and act as nib's agent and not as your agent. This is general advice only. Before you buy, you should consider your needs, the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and Target Market Determination (TMD) available from us. This insurance is underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193.

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