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    Medical Condition

    A 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 add-ons 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. 
    The destination 'Australia - Cruise' is classifed as the South Pacific inc New Zealand region. 

    Covid-19 Medical is automatically included under "Overseas Emergency Medical Expenses".

    Find out more about Cruise Travel Insurance.

    Motorcycle / Scooter

    Motorcycles

    As the rider, you must have a current Australian motorcycle licence and comply with local road laws. There are no cc limits that apply.


    Scooters/Moped

    You must have a current Australian motorcycle licence or Australian drivers licence to ride a scooter/moped (step through scooter's only) overseas.  


    You must be wearing a helmet on Scooters and Motorcycles.


    Passenger

    If you are a passenger travelling on a motorcycle, moped or scooter, the person in the control must hold a current motorcycle licence 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 incl New Zealand and Australia - Cruise. 
    • 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.

    One Way Travel Insurance

    One-Way Travel Insurance: Single Journeys

    One-way travel insurance from Travel Insurance Saver is designed for travellers embarking on a journey with no immediate plans to return home. Whether you’re relocating, taking an extended international trip, or simply moving abroad, one-way travel insurance may offer tailored coverage for medical emergencies, trip interruptions, and essential services with 24/7 emergency assistance.
    One way travel insurance Header

    Comparing One-Way Travel Insurance Options

    Multi-Trip vs. Single-Trip One-Way Policies
    Multi-Trip Policy: Perfect for those with plans to make multiple trips within a year, even with a one-way itinerary. Multi-trip policies may cover you for various trips over the policy period, providing consistent medical and travel assistance coverage throughout each leg of your journey.

    Single-Trip Policy:
    Designed for travellers focusing on a single destination without a return ticket. Single-trip one-way insurance is well-suited to those moving overseas or taking an extended stay abroad. The return date, is the end date of you insurance based on AEST. This will be dsplayed on the Certificate of Insurance.

    Comprehensive One-Way Cover
    Travel Insurance Saver’s comprehensive one-way may cover offers a wide range of protections, including:

    travel insurance one way

    Cancellation Fees and Lost Deposits:
    Coverage for non-refundable travel expenses due to unexpected trip cancellations, such as illness, injury, or unforeseen disruptions.

    Medical Expenses and Assistance:
    Unlimited coverage for emergency medical treatment abroad, including hospital stays, surgeries, and doctor visits.

    Baggage and Personal Effects:
    Coverage for loss, theft, or damage to personal items, ensuring compensation for essential belongings.

    Medical-Only One-Way Cover
    For those focused primarily on health risks, the Medical-Only One-Way cover may provide essential medical coverage:

    • Emergency Medical Assistance: Unlimited access to emergency medical care for accidents, illnesses, and other medical emergencies.
    • Repatriation and Evacuation: Transportation back to your home country if required for medical reasons, even if your travel plans don’t initially include a return ticket.

    While one-way travel insurance offers extensive protections, understanding coverage limitations is key:

    • Covered: Emergency medical expenses, lost deposits, delayed or lost baggage and emergency repatriation.
    • Not Covered: Pre-existing conditions not declared and approved, risky activities not included in the policy, unattended belongings, and losses due to reckless behaviour or intoxication.

    Coverage ends at the specified duration (return date) on the Certificate of Insurance.

    Refer to the PDS for full policy details, as exclusions vary based on chosen coverage and additional options.

    Optional Extras: One Way Travel Insurance

    To enhance your one-way travel insurance, you can add coverage for specific needs:

    Snow Sports Cover - Add-on

    • On-Piste Skiing and Snowboarding: Protection for injuries and medical expenses related to snow sports activities.
    • Off-Piste Skiing and Snowboarding: Protection for injuries and medical expenses related to snow sports activities.
    • Trip Cancellations: Coverage for cancellations due to adverse weather conditions affecting your plans.

    Cruise Cover

    • Medical and Evacuation Costs: Emergency care and transport costs on cruise trips.
    • Cabin Confinement and Missed Port: Compensation for missed ports and confinement due to illness.
    • Shore Excursion Cancellations: Reimbursement for missed shore excursions if medically unfit to participate.

    COVID-19 Cover

    • Medical Treatment for COVID-19: Coverage for treatment costs if diagnosed during travel.

    24/7 Emergency Assistance

    All one-way travel insurance policies include round-the-clock emergency assistance. This service covers medical support, coordination of repatriation or transport, and logistical assistance during travel, ensuring that you’re protected no matter where you are in the world.

    One way travel insurance
    Frequently Asked Questions (FAQ) for Getting a Quote Online

    1. What information do I need to get a travel insurance quote online?
    You will need to provide your trip details, including age, destination, trip duration, and any optional coverage such snow sports cover.

    2. Can I get coverage if I am already overseas?
    Yes, Travel Insurance Saver’s one-way travel insurance (already overseas insurance) allows coverage if you’re an Australian resident currently abroad.

    3. How do I add snow sports or cruise coverage?
    Simply select these options during the quote process to include them in your coverage.

    4. How does COVID-19 cover work with one-way insurance?
    COVID-19 cover may be include under overseas medical expenses.

    5. When does my one-way travel insurance end?

    One-way insurance coverage ends at the expiration date on your Certificate of Insurance or upon return to Australia (whatever comes first), if planned.

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

    Multiple award winning travel insurance company

    Travel Insurance Saver Awarded Australia's Best Travel Insurance 2025
    Awarded Exceptional Value Comprehensive Travel Insurance 2025
    Travel Insurance Saver Awarded Exceptional Value Cruise Travel Insurance 2025
    Travel Insurance Saver Awarded Exceptional Value Annual Multi Trip Travel Insurance 2025
    Pat CarnegieNov 10, 2023

    I am nearly 89. Many companies won’t give me a quote as they reckon that I am too old. Those that do quote want a large excess for cover on a cruise and have a complicated medical assessment. Travel Insurance Saver sold me an Annual International Policy at a reasonable price. Their website is clearly designed and easy to use.

    Chris RichardsApr 11, 2023

    I had a good look around and found this Travel Insurance Saver policy was just right for my travel needs with a very competitive premium. Other insurers loaded a hefty " cruise component", which is counter-intuitive considering trains, planes and cars/ coaches are much more susceptible to problems than the now stringently applied systems on cruise ships. Highly recommend.!

    Paul BOct 28, 2022

    My research found that Travel Insurance Saver provide the best value for money Multi Trip annual travel insurance that also includes Covid 19 cover. Thoroughly recommend you check them out. Very easy to book online.

    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.

    View our Terms of Use, Complaints Policy, Privacy Policy, Translation Services Policy, Product Development & Distribution Policy and Family Violence and Financial Hardship Policy.

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