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    2024
    23
    November
    2024
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    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.

    Rental Vehicle Insurance Excess - Travel Insurance

    Rental vehicle excess travel insurance 


    If you are searching online for an Australian Travel insurance policy which covers rental vehicle insurance excess as well as cover for return of rental vehicle, there are travel insurance products available from Travel Insurance Saver.
     

    - Car Hire Excess Travel Insurance 1Find out more: Rental Vehicle Expenses 

    There are both international and domestic travel insurance plans offered online by Travel Insurance Saver which provide cover for rental vehicle insurance excess and return of rental vehicle costs. Please note this cover is not in place of rental vehicle insurance, the rental vehicle must have valid comprehensive motor vehicle insurance for the period of hire. 
    If you rent a vehicle while you are travelling overseas or domestically and through your rental vehicle agreement you have valid comprehensive motor vehicle insurance, the travel insurance products available from Travel Insurance Saver which provide cover for rental vehicle insurance excess may provide cover in the event of cover for the rental vehicle insurance excess or the cost of repairing the vehicle, whichever is lower. 
     
    Rental vehicle - Travel insurance
    This cover may be available if you have purchased a travel insurance product from Travel Insurance Saver which outlines a rental vehicle insurance excess limit, such as the Essentials, Comprehensive, Annual Multi-Trip, or Australia Travel plan and: 
    • You rent a vehicle from a rental company. 
    • It is damaged by accident, storm, fire or theft; and
    • You are a nominated driver on the Rental Vehicle Agreement. 
    For this benefit to apply, the rental vehicle must have valid comprehensive motor vehicle insurance for the period of hire. 
    It’s important to note that this cover is not in place of rental vehicle insurance and only provides cover for the excess component up to the applicable limit. 
    • There is no cover for your liability arising from your use of a mechanically propelled vehicle (e.g. motor vehicle or motorcycle). 
    • There is no cover where the loss event is not covered by the rental vehicle’s comprehensive motor vehicle insurance. 
    • There is no cover for administration or loss of use fees charged by the rental company. 

    Return of rental vehicle 

    There is cover for return of rental vehicle under the Essentials, Comprehensive  and Annual Multi Trip plans. The international travel insurance plans offered online by Travel Insurance Saver, Essentials, Comprehensive, Annual Multi Trip each provide cover for rental vehicle insurance excess as well as return of rental vehicle. If you are comparing travel insurance products online for domestic travel, the Australian Travel plan also provides cover for rental vehicle insurance excess as well as return of rental vehicle.
     
    Car Hire Excess - Travel Insurance
    With return of rental vehicle cover, there may be cover for payment towards the cost of returning your rental vehicle to the nearest depot, including airport concession charges, if due to an insured event covered by any section of the policy outlined in the Product Disclosure Statement available from Travel Insurance Saver you are unable to do so (return rental vehicle) during your trip.
     
    If you have been looking online for a travel insurance policy which provides cover for rental vehicle insurance excess and return of rental vehicle, there are travel insurance products offered by Travel Insurance Saver. Through Travel Insurance Saver, you may compare travel insurance products online and find a travel insurance policy which provides cover for rental vehicle insurance excess. 
     
    Make sure you’ve read and understood the conditions and limitations outlined under the Product Disclosure Statement available from Travel Insurance Saver before making a decision about any travel insurance product. 
     
    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

    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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    Insurance Saver Pty Ltd, ABN 18 624 919 366, AR 001263726 is an authorised representative of nib Travel Services (Australia) Pty Ltd (nib), ABN 81 115 932 173, AFSL 308461 and act as nib's agent and not as your agent. This is general advice only. Before you buy, you should consider your needs, the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and Target Market Determination (TMD) available from us. This insurance is underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193.

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