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 in Portugal

    The history of Portugal, dates to the Early Middle Ages. In the 15th and 16th centuries, it ascended to the status of a world power during Europe's "Age of Discovery" as it built up a vast empire including possessions in South America, Africa, and Asia. Signs of military decline began with two disastrous battles: the Battle of Alcácer Quibir in Morocco in 1578 and Spain's abortive attempt to conquer England in 1588 (Portugal contributed ships to the Spanish invasion fleet). 

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    The country was further weakened by the destruction of much of its capital city in a 1755 earthquake, occupation during the Napoleonic Wars and the loss of its largest colony, Brazil, in 1822. In 1910, there was a revolution that deposed the monarchy; however, the subsequent republic was unable to solve the country's problems. Amid corruption, repression of the Church, and the near bankruptcy of the state. A military coup in 1926 installed a dictatorship that remained until another coup in 1974. The new government instituted sweeping democratic reforms and granted independence to all of Portugal's African colonies in 1975. 

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    Around 200 BC, the Romans took the Iberian Peninsula from the Carthaginians during the Second Punic War, and in the process conquered Cale and renamed it Portus Cale. 

    Early in the first millennium BC, several waves of Celts invaded Portugal from central Europe and intermarried with the local populations, forming different ethnic groups, with many tribes. Chief among these tribes were the Calaicians or Gallaeci of northern Portugal, the Lusitanians of central Portugal, the Celtici of Alentejo, and the Cynetes or Conii of the Algarve. Among the lesser tribes or sub-divisions were the Bracari, Coelerni, Equaesi, Grovii, Interamici, Leuni, Luanqui, Limici, Narbasi, Nemetati, Paesuri, Quaquerni, Seurbi, Tamagani, Tapoli, Turduli, Turduli Veteres, Turdulorum Oppida, Turodi, and Zoelae). 

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    The first Roman invasion of the Iberian Peninsula occurred in 219 BC. Within 200 years, almost the entire peninsula had been annexed to the Roman Empire. The Carthaginians, Rome's adversary in the Punic Wars, were expelled from their coastal colonies.

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    Rome installed a colonial regime. During this period, Lusitania grew in prosperity and many of modern-day Portugal's cities and towns were founded. In 27 BC, Lusitania gained the status of a Roman province. Later, a northern province of Lusitania was formed, known as Gallaecia, with capital in Bracara (today's Braga). 

    In the early 5th century, Germanic tribes invaded the peninsula, namely the Suevi, the Vandals (Silingi and Hasdingi) and their allies, the Sarmatian Alans. Only the kingdom of the Suevi (Quadi and Marcomanni) endured after the arrival of another wave of Germanic invaders, the Visigoths, who conquered all of the Iberian Peninsula and expelled or partially integrated the Vandals and the Alans. The Visigoths eventually conquered the Suevi kingdom and its capital city Bracara in 584–585. 

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    In 711, the Islamic Moors (mainly Berber with some Arab) from North Africa invaded the Iberian Peninsula, destroying the Visigothic Kingdom. Many of the ousted Gothic nobles took refuge in the unconquered north Asturian highlands. From there they aimed to reconquer their lands from the Moors: this war of reconquest is known in Portuguese (and Spanish) as the Reconquista.

    In 868, Count Vímara Peres reconquered and governed the region between the rivers Minho and Douro. The county was then known as Portucale (i.e., Portugal). 

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    Portugal gained its first de jure independence (as the Kingdom of Galicia and Portugal) in 1065 under the rule of Garcia II. Because of feudal power struggles, Portuguese and Galician nobles rebelled. In 1072, the country rejoined León and Castile under Garcia II's brother Alfonso VI of León.

    In 1095, Portugal separated almost completely from the Kingdom of Galicia. Its territories consisting largely of mountain, moorland and forest were bounded on the north by the Minho, on the south by the Mondego. 

    At the end of the 11th century, the Burgundian knight Henry became count of Portugal and defended his independence, merging the County of Portucale and the County of Coimbra. Henry declared independence for Portugal while a civil war raged between León and Castile.

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    Portugal traces its national origin to 24 June 1128 with the Battle of São Mamede. Afonso proclaimed himself first Prince of Portugal and in 1139 the first King of Portugal. 

    From 1249 to 1250, the Algarve, the southernmost region, was finally re-conquered by Portugal from the Moors. In 1255, the capital shifted to Lisbon. During the 15th and 16th centuries, Portugal was a major European power, ranking with England, France, and Spain in terms of economic, political, and cultural influence. Though not predominant in European affairs, Portugal did have an extensive colonial trading empire throughout the world backed by a powerful thalassocracy. 

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    Portuguese became the first civilization to fully start the process we know today as globalization.

    The arrival of the Portuguese in Japan, the first Europeans who managed to reach it, initiating the Nanban ("southern barbarian") period of active commercial and cultural exchange between Japan and the West.

    In the 17th century the Portuguese emigrated in large numbers to Brazil. By 1709, John V prohibited emigration, since Portugal had lost a sizable fraction of its population. Brazil was elevated to a vice-kingdom. 

    Disaster fell upon Portugal in the morning of 1 November 1755, when Lisbon was struck by a violent earthquake with an estimated Richter scale magnitude of 9. The city was razed to the ground by the earthquake and the subsequent tsunami and ensuing fires. 

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    In 1807 Portugal refused Napoleon Bonaparte's demand to accede to the Continental System of embargo against the United Kingdom; a French invasion under General Junot followed, and Lisbon was captured on 8 December 1807. British intervention in the Peninsular War restored Portuguese independence, the last French troops being expelled in 1812. 

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    A republican constitution was approved in 1911, inaugurating a parliamentary regime with reduced presidential powers and two chambers of parliament. 

    The vacuum of power created by Sidónio Pais’ murder on 14 December 1918 led the country to a brief civil war. The monarchy’s restoration was proclaimed in the north of Portugal on 19 January 1919. After a series of clashes the monarchists were definitively chased from Oporto on 13 February 1919. This military victory allowed the PRP to return to government and to emerge triumphant from the elections held later that year, having won the usual absolute majority.

    The "'Carnation Revolution" of 1974, an effectively bloodless left-wing military coup, installed the "Third Republic". Broad democratic reforms were implemented. In 1975, Portugal granted independence to its Overseas Provinces in Africa (Mozambique, Angola, Guinea-Bissau, Cape Verde and São Tomé and Príncipe). 

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    With the 1975–76 independence of its colonies, other than Macau which had no independence movement, the 560-year-old Portuguese Empire effectively ended. Simultaneously, 15 years of war effort also came to an end. 

    Back to Portugal 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.