Travel Insurance Saver
Single Trip Annual Multi Trip
    25
    July
    2024
    26
    July
    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. 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.

    History of Philippines

    The first humans are believed to have arrived via land bridges at least 30,000 years ago. The first recorded visit from the West is the arrival of Ferdinand Magellan on Homonhon Island, southeast of Samar on March 16, 1521.

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    Spanish colonization and settlement began with the arrival of Miguel López de Legazpi's expedition in 1565 and established the first permanent settlement of San Miguel on the island of Cebu.

    Spanish rule brought political unification to an archipelago of previously independent kingdoms and communities that later became the Philippines and introduced elements of western civilization such as printing and the calendar. When the Spaniards arrived in the 16th century, the majority of the estimated 500,000 people in the islands lived in barangay settlements some still ruled by Rajahs while others were already ruled by Sultans.

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    Church and state were inseparably linked in Spanish policy, with the state assuming responsibility for religious establishments. One of Spain's objectives in colonizing the Philippines was the conversion of the local population to Roman Catholicism.

    The Philippine Revolution against Spain began in April 1896, culminating two years later with a proclamation of independence and the establishment of the First Philippine Republic. However, the Treaty of Paris, at the end of the Spanish-American War, transferred control of the Philippines to the United States.

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    Partial autonomy (commonwealth status) was granted in 1935, preparatory to a planned full independence from the United States in 1946. Preparation for a fully sovereign state was interrupted by the Japanese occupation of the islands during World War II.

    On June 12, 1898, Aguinaldo declared the independence of the Philippines in Kawit, Cavite, establishing the First Philippine Republic under Asia's first democratic constitution.

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    The United States defined its territorial mission as one of tutelage, preparing the Philippines for eventual independence Civil government was established by the United States in 1901, with William Howard Taft as the first American Governor-General of the Philippines, replacing the military governor, Arthur MacArthur, Jr.

    Philippine politics during the American territorial era was dominated by the Nacionalista Party, which was founded in 1907.

    A constitution was framed and approved by Franklin D. Roosevelt in March 1935. On May 14, 1935, a Filipino government was formed based on principles similar to the U.S. Constitution. The commonwealth was established in 1935, electing Manuel L. Quezon as the president.

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    Japan launched a surprise attack on the Clark Air Base in Pampanga, Philippines on December 8, 1941, just ten hours after the attack on Pearl Harbor. Aerial bombardment was followed by landings of ground troops on Luzon.

    Japanese occupation of the Philippines was opposed by large-scale underground and guerrilla activity.

    MacArthur's Sixth United States Army landed on Leyte on October 20, 1944. Fighting continued until Japan's formal surrender on September 2, 1945.

    Elections were held in April 1946, with Manuel Roxas becoming the first president of the independent Republic of the Philippines. The United States ceded its sovereignty over the Philippines on July 4, 1946.

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    With a promising economy in the 1950s and 1960s, the Philippines in the late 1960s and early 1970s saw a rise of student activism and civil unrest against the corrupt dictatorship of President Ferdinand Marcos who declared martial law in 1972.

    In 1991, the Philippine Senate rejected a treaty that would have allowed a 10-year extension of the U.S. military bases in the country. The United States turned over Clark Air Base in Pampanga to the government in November, and Subic Bay Naval Base in Zambales in December 1992, ending almost a century of U.S. military presence in the Philippines.

    Back to Philippines 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.