Travel Insurance Saver
Single Trip Annual Multi Trip
    2
    March
    2024
    3
    March
    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.

    $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.

    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

    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.

    New Zealand Geography

    Extras

    New Zealand is really two islands, both share a lot of similarities and some key differences. 

    The archipelagic nation of New Zealand is located about 2000 km from Sydney on Australia’s southeast coastline. The Tasman Sea separates the two countries. New Zealand’s closest island neighbours are New Caledonia, Fiji and Tonga, tropical island countries to the north.  

    North Island, New Zealand

    If you’re heading over to the North Island, also known as Te Ika-a-Maui, you can expect the weather to be a lot warmer, enjoying subtropical temperatures during the summer months. The North Island also has some spectacular beaches, where you can enjoy some great activities. 

    You’ll find the North Island is much-less vertical than its southern counterpart. No mountains reach higher than 1800 m, the tallest peaks are in the Ruahine and Tararua mountains. The island is very volcanic, with a large volcanic plateau most of which is at an altitude over 600m. The volcanic presence also brings with it natural hot springs and geysers. The Pohutu Geyser in Te Puia can erupt up to twenty times a day, these geysers can be surrounded by geothermic hot springs, natural spa baths that have many purported health benefits. This volcanic plateau is located in the centre of the island.  

    The North Island is also characterized by its large white coastlines with expansive beaches, and wide vast open plains and fields. These fields are usually coated in lush green grasses, and as a result, the North Island is known for its wonderful produce, like dairy and wine. These farmlands are separated on either side by a ridge of mountains that run through the centre of the island. The North Island provides for great mountain biking experiences.

    South Island, New Zealand

    The South Island is the larger of the two islands, though it only holds about a quarter of the population. Known affectionately by South Islanders as the mainland, around 33% of the entire population of the South Island live in Christchurch, the islands capital city. Around 88% of the island’s population identified has having European descent, while 8% identify as Maori. As opposed to its Northern neighbour, the South Island, or Te Waipounamu, is much more mountainous. 

    The South Island is also known for its many frosty glaciers which cap the islands many mountains. As a result, there are many rivers and tributaries flowing throughout the island, making it well hydrated and lush. The glaciers descend to less than 220m. The rivers are fed by the melting glaciers and torrential rains. Like the North Island, the South Island is also characterized by vast sweeping plains. The Canterbury Plains are an example of the islands famous plains, located in the central-eastern part of the island, the plains were formed by quaternary moraine deposits from glacial periods. There are several other plains on the island, including the Westland Coastal plain and the Southland plain. The beautiful geographical features of the South Island, including its U-shaped valleys carved out between cloud-kissing mountains, have been the basis for many film shoots, including The Lord of the Rings and The Hobbit trilogies. The South Island provides for some great trail riding experiences.

    Back to New Zealand 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.