Travel Insurance Saver
Single Trip Annual Multi Trip
    22
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    2025
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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.

    Off-piste and Back Country Skiing

    You may be able to include Off-Piste Skiing on Single Trip policies only. Not available for Canada and the United State. Also not available on Annual Multi Trip policies.

    What is Off-Piste Skiing Travel Insurance

    Off-piste (or backcountry) skiing or boarding means ‘going out of bounds’, i.e. outside the resort boundary (if there is a boundary) or off the marked pistes if within the resort area. If you are going out of bounds or outside marked areas of the resort, we recommend you do so with a fully qualified local guide. If you state that you want off piste cover you are insured for off-piste without a guide provided that you are not going alone or going against advice. Some areas within a resort may be considered out of bounds because they are hazardous. In most parts of North America, going out of bounds contravenes local law and therefore there would not be any cover in place.

    Off Piste Snowboarding Travel Insurance


    It is your responsibility to ensure that on any particular day you are aware of and obey local advice, information and instructions given by the resort authorities and that you obey any signs and information you encounter on the mountain – it is your responsibility to find out. If a section is marked ‘closed’ there will be a very good reason for it (e.g. high avalanche danger) and ignoring such signs or advice may invalidate your cover. You should be aware that under the terms of cover, needless self-exposure to peril except in an endeavour to save human life may invalidate your cover. It is a condition of cover that you abide by the International Ski federation – Snow Sports Rules as shown here .

    International Ski federation – Snow Sports Rules

    1. Respect for others
      A skier or snowboarder must behave in such a way that he does not endanger or prejudice others
    2. Control of speed and skiing or snowboarding
      A skier or snowboarder must move in control. He must adapt his speed and manner of skiing or snowboarding to his personal ability and to the prevailing conditions of terrain, snow and weather as well as to the density of traffic.
    3. Choice of route
      A skier or snowboarder coming from behind must choose his route in such a way that he does not endanger skiers or snowboarders ahead.
    4. Overtaking
      A skier or snowboarder may overtake another skier or snowboarder above or below and to the right or to the left provided that he leaves enough space for the overtaken skier or snowboarder to make any voluntary or involuntary movement.
    5. Entering, starting and moving upwards
      A skier or snowboarder entering a marked run, starting again after stopping or moving upwards on the slopes must look up and down the slopes that he can do so without endangering himself or others.
    6. Stopping on the piste
      Unless absolutely necessary, a skier or snowboarder must avoid stopping on the piste in narrow places or where visibility is restricted. After a fall in such a place, a skier or snowboarder must move clear of the piste as soon as possible.
    7. Climbing and descending on foot
      A skier or snowboarder either climbing or descending on foot must keep to the side of the piste.
    8. Respect for signs and markings
      A skier or snowboarder must respect all signs and markings.
    9. Assistance
      At accidents, every skier or snowboarder is duty bound to assist.
    10. Identification
      Every skier or snowboarder and witness, whether a responsible party or not, must exchange names and addresses following an accident.

    Travel insurance when Off-piste and Back Country Skiing

    If you are planning on travelling overseas and you need off-piste and back country skiing cover you can apply on all Single Trip International policies.

    Single Trip - International Policies include

    • Comprehensive
    • Essentials
    • Medical Only
    Off-Piste cover is not available for Canada or the United States. If you are travelling to Canada or the USA you will not be able to include Off-Piste Snow Sports Cover. Only On-Piste Cover is available for Canada and the USA. 
     
    Applying for Off-Piste Snow Sports Cover.
    • Get a Single Trip quote using the quote panel 
    • Click on "I'd like cover for Snow Sports"
    • Select the dates you want Snow Sports cover for.
    • Click on "I need additional cover for off-piste or back country skiing/snowboarding"
    • Read and click "I've read and understand the off-piste and back country skiing terms and conditions of cover" to apply Off-Piste Snow Sports cover to your single trip policy. 
     
    Annual Multi Trip
    Our Annual Multi Trip polices only cover on-piste snow sports cover. On-piste snow sports cover is automatically applied for up to 23 days. Off Piste Skiing is not available on any Annual Multi Trip policies. 
     
    Find out more about snow sports travel insurance.

    Snow Travel Insurance

    Please get a quote or view the PDS to view Overseas Medical Expenses & Assistance, Medical Evacuation, Cancellation Fees, Lost Deposits and Curtailment and also cover for rental vehicle insurance excess and more.

    All international travel insurance plans allows for online medical screening to determine if your pre-existing medical conditions can be covered. Once you have completed the medical screened and been approved you can include cover for this your pre-existing medical conditions.

    Some conditions and general exclusion may apply to travel insurance when off-piste skiing and snowboarding:

    Cover may be available for off-piste and back country snow sports related events depending on the event on a single trip policy only. Claims are assessed on a case-by-case basis. Please note that 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 off piste skiing and snowboarding

    Snow sports travel insurance and cancellation cover (Off-Piste)

    If you are heading away on a snow-trip, you may wish to consider a travel insurance plan with optimal cancellation cover. The snow sports optional extra for off-piste is only available under Single Trip international travel insurance plans. The Cancellation Fees, Lost Deposits and Curtailment can be seen by getting a quote or viewing the PDS. 

    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

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