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    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.

    Spain - Activities

    Running with the Bulls in Spain

    The famous 'running of the bulls' takes place in July and attracts huge numbers of tourists. Participating in Running with the Bulls is a general exclusion on all international policies. 

    Dance in Spain

    Feel the passion of flamenco in music, dance, and song, throughout Andalucia and particularly the city of Seville. 
    Find out more about travel insurance when Dancing.

    Pilgrim Walk in Spain

    Tread in the footsteps of pilgrims, along the Way of St James to Santiago de Compostela a centre of pilgrimage since the early Middle Ages and a UNESCO World Heritage Site. The focal point for all visits is Santiago's gothic Cathedral completed in 1188.
    Find out more about travel insurance when hiking and treking.

    National Parks in Spain

    Explore Spain's natural beauty and abundant wildlife by visiting one of the national or regional parks. Walks, hiking trails and jeep excursions take visitors to marshes and wetlands, coastal dunes, or Atlantic beaches. 

    Travel Insurance Saver is an award-winning travel insurance business for Annual multi-trip travel insurance travel insurance policies.


    Cycling in Spain

    Pedal along one of the many Vias Verdes: scenic railway tracks converted to cycleways. Mountain biking is becoming increasingly popular, and paths and tracks are plentiful.
    Find out more about travel insurance when cycling.

    Bath in an Arab Hamman in Spain

    Soak in a real Arab bath or hammam, reconstructed to luxury standards to suit modern tastes. New commercial baths have opened in Madrid, Cordoba, Granada, and Seville. 

    Water Sports and Activities in Spain

    There is plenty of water activities in Spain including - swimming, waterskiing and windsurfing facilities can be found at nearly all seaside resorts. Spain's premier windsurfing resort is Tarifa, where the world championships are held. Spain is also great for sailing, with plenty of harbours and sailing clubs to explore.
    Find out more about travel insurance when surfing.

    Fishing in Spain 

    Cast a line and hook a fish. Excellent opportunities exist for all types of fishing - the rivers and streams of the Pyrenees and the Picos de Europa offer good freshwater game fishing, while trout are abundant throughout the country. Permits must be requested from the regional authorities.
    Find out more about travel insurance when fishing.

    For the Golfing Enthusiasts  

    Golf is immensely popular, with Costa del Sol and La Manga emerging as two of Spain's premier golfing destinations. The Valderrama (near Madrid) is particularly well known. Spain has over 200 golf courses for you to venture through.
    Find out more about travel insurance when golfing. 

    Snow Skiing in Spain 

    There are many natural ski runs and winter resorts in Spain, all blessed with the promise of warm sun and blue skies. There are five main skiing regions including the Pyrenean and Cantabrian ranges. 

    Going overseas to ski or snowboard? Compare snow sports coveroptions from Travel Insurance Saver.


    Bull Fighting in Spain

    If you fancy seeing a bull fight from the safety of your seat, go to Madrid, which is home to the imposing bullring of Las Ventas, also known as the 'Cathedral of Bullfighting'. 

    Back to Spain 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. 

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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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