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    2025
    29
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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. 

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

    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.

    Privacy

    This Privacy Agreement (the "Agreement") is entered into between Insurance Saver Pty. Ltd., a proprietary limited travel insurance company, with its principal place of business at 123 Camberwell Road, Hawthorn East, Melbourne; (hereinafter referred to as the "Company"), and the individuals who use the Company's services (hereinafter referred to as "Users" or "You").

    The Company acknowledges the importance of protecting personal information and is committed to ensuring the privacy and security of such information in compliance with all applicable Victorian laws and privacy regulations, including but not limited to the Privacy and Data Protection Act 2014 (Vic), the Health Records Act 2001 (Vic), and the Australian Privacy Principles.

    1. Collection and Use of Personal Information

    1.1  Personal Information Collection: The Company may collect personal information from Users, including but not limited to names, contact details, dates of birth, travel itineraries, health information, and financial information. This information will only be collected by lawful and fair means.

    1.2  Purpose of Collection: The Company will only collect personal information for the primary purpose of providing travel insurance services and related purposes such as:

    • to fulfil any purchase that you make;
    • to provide you with products or services that you have requested; for invoicing;
    • to send you information about us, our website, products or services;
    • to send you information about special offers that may interest you;
    • to personalise our website, products or services;
    • for statistical analysis;
    • for security purposes; and
    • for claims processing;

    1.3  Cookies: The Company uses "cookies" to enable the Company Website to interact with your browser so as to provide you with better services and a more effective Website.  "Cookies" are small text files that our web server places on your computer while you browse our Website. The Company web server can later retrieve these cookies if you visit again.

    1.4 The Company web server allocates a “cookie” to each Internet browser that visits the Company Website.  This cookie does not allow the Company to collect personally identifiable information about you. 

    The Company web server uses this cookie:

    • to allocate your unique identification number to your Internet browser;
    • to identify pages you have accessed on the Company Website;
    • to determine if you have previously visited the Travel Insurance Saver Website; and
    • to assist the Company to personalise the Company Website for you.

    1.5 Consent: By using the Company's services, you consent to the collection, storage, use, and disclosure of your personal information in accordance with this Agreement. You have the right to withdraw your consent at any time by contacting the Company in writing, although this may impact the provision of services.

    2. Disclosure of Personal Information

    2.1 Third-Party Disclosure: We may disclose personal information that we collect from you to third parties, but only for the purposes identified in 1.2, or to which you have consented, or if required to do so by law. 

    2.2. The Company will take reasonable steps to ensure that third parties handle personal information in compliance with applicable privacy laws.

    2.2 Cross-Border Disclosure: The Company may disclose personal information to overseas recipients for the purposes stated in section 1.2. In such cases, the Company will take reasonable steps to ensure that overseas recipients provide a comparable level of privacy protection as required under applicable privacy laws.

    3. Security of Personal Information

    3.1 Data Security: The Company will take reasonable steps to protect personal information from unauthorized access, use, or disclosure. This includes implementing appropriate physical, technical, and administrative security measures to safeguard personal information.

    4. Access and Correction

    4.1 Access to Personal Information: Upon written request, the Company will provide you with access to your personal information held by the Company, except where an exception under applicable privacy laws applies. The Company may charge a reasonable fee for providing access, and in some cases, may refuse access if permitted by law.

    4.2 Correction of Personal Information: If you believe that the personal information held by the Company is inaccurate, incomplete, or not up to date, you may request the Company to correct it. The Company will take reasonable steps to correct the information unless there is a valid reason under applicable privacy laws to refuse the correction.

    5. Complaints and Contact

    5.1 Complaints: If you have any concerns or complaints about the Company's handling of your personal information, please contact the Company in writing using the contact details provided at the end of this Agreement. The Company will investigate and respond to your complaint within a reasonable time.

    6. Updates to the Privacy Agreement

    6.1 Amendments: The Company reserves the right to update or modify this Privacy Agreement from time to time to reflect changes in its privacy practices or as required by law. The revised Agreement will be posted on the Company's website, and your continued use of the Company's services after the effective date of the revised Agreement constitutes your acceptance of the changes.

    7. Contact Information

    If you have any questions or concerns about this Privacy Agreement or the Company's privacy practices, please contact us at:

    Travel Insurance Saver Pty. Ltd.  123 Camberwell Road, Hawthorn East, Melbourne.

    03 9427 9224                                     

    By using the Company's services, you acknowledge that you have read and understood this Privacy Agreement and agree to be bound by its terms.

    Effective Date: 04/12/2024

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    Awards

    Multiple award winning travel insurance company

    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 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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    Insurance Saver Pty Ltd ABN: 18 624 919 366