Travel Insurance Saver
Single Trip Annual Multi Trip
    19
    March
    2024
    20
    March
    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.

    $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.

    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

    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.

    South East Asia Travel Insurance

    Extras

    Looking for South East Asia travel Insurance?
    Enter your travel details in the quote panel to view travel insurance for South East Asia.

    Motorcycle around  

    South-East Asia is a land of mystery unto its own. What was once known as Indochina, well the continental portion at least, is now a collection of different nations with varying cultures. South-East Asia has been a hotspot for tourists for a very long time, mostly due to the affordable prices, friendly people and vibrant culture. 

    The total area covered by South-East Asia is around 4.5 million square kilometres, making it slightly larger than Australia. The difference being that South-East Asia is almost entirely covered in lush jungle, however, a lot of this land is broken up into islands and peninsulas.  

    Snooze on a cruise...  

    Technically Papua New Guinea is a part of Oceania, which includes Australia, New Zealand, Melanesia, Micronesia and Polynesia. With so many countries spread throughout the ocean, it is easy to see why people opt to cruise around for their holiday.  

    And for the businesspeople 

    If this is you, and you are travelling multiple times throughout the year to South-East Asia. The Annual Multi Trip policy allows you to travel as many times as you like in one year provided that none of these individual trips are over 45 days each.   

    Thailand is an always popular tourism destination for people all around the world. For many years it has been a favourite, seeing people from the United States, Europe and, of course, Australia. People travel to Thailand for spiritual reasons, for business reasons or for pleasure.  

    Vietnam is also a tourist favourite. Since the Vietnam war ended, more and more people travel to Vietnam for both business and pleasure. For good reason, the people, as with all of the people in South-East Asia, are very friendly.   

    The food is excellent, nay exquisite; and the scenery is incredible. 

     

    The people time forgot  

    Irian Jaya is the Western half of Papua and is becoming a hot spot for its natural resources, which in a sense is sad. There is much more to Irian Jaya than what lies beneath the ground. The people have a colourful, varied and distinctive culture. Irian Jaya, like Papua New Guinea, has many different spoken languages and many different people 

    Hanging ten toes  

    Cambodia as well is more and more becoming the next big thing for tourists. It is incredibly low prices make it a favourite for backpackers, and its beaches make it a popular destination for surfers.  

    Activities Travel Insurance 

    Laos is an interesting country. Unlike other South-East Asian countries, this one is landlocked. Parts of Laos also enter the Himalayas, meaning this country is very mountainous. 

    Travel Insurance to South East Asia

    Travel Alert: You can only travel to your destination if there is no travel ban in place or if you have an exemption. Also, while a destination has a 'Do Not Travel' warning in place for COVID-19, our policies won't cover a loss arising from COVID-19 in that destination. See the latest government advice at smartraveller.gov.au and health.gov.au, and check the travel insurance alerts

    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). Read the (PDS) prior to choosing travel insurance to South East Asia.