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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.

    Terms of Use

    1. Conditions of use 

    a. This web page contains the terms and conditions which apply to your use of Travel Insurance Saver (Insurance Saver Pty Ltd - ABN 18 624 919 366) website and the Chase Underwriting Solutions (ABN 50 156 554 808), web site (‘website’).
    b. Your use of this web site is governed by these terms and conditions and any additional terms and conditions posted on the web site from time to time (‘Terms’).
    c. By participating and continuing to use this web site you indicate your consent and agreement to these terms of use.


    2. Privacy     

    a. Use of any personal data that you provide to us is governed by our Privacy Policy Statement. 

    3. Copyright and trademarks

    a. What you can do: All the material on this web site is subject to the copyright of Travel Insurance Saver or its third party licensors. You must not reproduce any of the material contained on this web site except that you may:
    i. download a copy of this web site to the local hard drive of the computer used to access the site; and
    ii. print extracts (hard copies) of this web site, but only for your personal use.
    b. What you cannot do:
    i. copy any of the material on this web site or otherwise incorporate into or store in any other web site, electronic retrieval system, publication or other work in any form; or
    ii. provide a link to this web site from another web site without Travel Insurance Saver's prior written consent.
    c. Trade marks may be displayed on the web site from time to time. These may belong to third parties. Nothing displayed on the web site should be construed as granting any licence or right of use of any logo or trademark displayed on the web site, without the express written permission of the relevant owner.


    4. Conduct     

    a. You must not use this web site for any purpose that is unlawful or prohibited by these Terms. You agree to abide by all applicable laws and regulations and codes of conduct.
    b. In particular, you agree not to:
    i. use this web site to disparage, defame, abuse, harass, stalk, threaten or otherwise offend others;
    ii. publish, distribute, email, transmit or disseminate any material which is unlawful, obscene, defamatory, indecent, offensive or inappropriate;
    iii. engage in or promote any surveys, contests, pyramid schemes, chain letters, unsolicited emailing or spamming via the web site;
    iv. impersonate any person or entity; or
    v. upload, post, email, transmit or otherwise make available using the web site any material that you do not have a right to make available under any law or contractual obligation or which contains viruses, or other computer codes, files or programs designed to interrupt, limit or destroy the functionality of other computer software or hardware.
    c. Travel Insurance Saver retains the right at all times to monitor, retain or disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request.


    5. Access     

    a. Travel Insurance Saver does not warrant that functions available on this web site will be uninterrupted or error free, that defects will be corrected, or that this web site or the server that makes it available are free of viruses or bugs.
    b. You acknowledge that it is your responsibility to implement sufficient procedures and virus checks (including anti-virus and other security checks) to satisfy your particular requirements for the accuracy of data input and output.


    6. On-line applications     

    a. All applications for insurance or other products made via this web site are to and must comply with Travel Insurance Saver's normal approval criteria, and are governed by the normal terms and conditions applying to each product or service requested.
    b. The insurance quote service is offered solely to assist you to purchase or decide to purchase insurance from us. You are not authorised to use high-volume, automated or systematic processes to obtain premium estimates. You agree not to compile, repackage or disseminate for commercial purposes any information provided by use of the insurance estimate service without our prior written consent. We reserve the right to terminate your access to these services in our sole discretion, including for submitting excessive requests for these services.
     

    7. Disclaimers 

    a. The information contained on this web site is for general information purposes only. You must not rely on any statement contained in this web site without taking specialist advice. While we endeavour to ensure the accuracy and completeness of the information contained on this web site, we make no warranties and accept no responsibility for any loss or damage you may suffer as a result or your reliance on any part of it.
    b. In particular, we make no representations or warranties and exclude all liability:
    i. in relation to any of the material of this web site (including any as to the quality, accuracy, completeness or fitness for any particular purpose of such material);
    ii. in relation to any material of any other web site referred to or accessed by a hyperlink through this web site (‘Third Party WebSite’). We do not endorse or approve the material of any Third Party Web Site, nor will we have any liability in connection with any of Third Party Web Site howsoever arising; or
    iii. that this web site or any of its material is virus free. You should take your own precautions in this respect and we accept no responsibility for any harmful code that may be introduced into your system by using this web site.
    c. In order for this website to process you order correctly Javascript must be enabled. Travel Insurance Saver does not take responsibility for loss of data or incorrect capture as a result of Javascript being turned off.You authorise us to lodge a cookie in your computer for the purpose of tracking. This will be valid for a single visit and further cookies may be deposited for subsequent visits.If your firewall rejects our cookies, then we shall not be able to accept your orders and you should allow access for this purpose. You authorise us to collect information on your domain name, PC, word system, version and internet user.


    8. Liability and indemnity     

    a. You will indemnify us if we suffer any loss or damage or incur any costs in connection with your breach of these Terms or any other legal obligation by you or your use of or conduct on the web site.
    b. Travel Insurance Saver does not exclude any rights and remedies available to you in terms of the Trade Practices Act (Cth) or any similar State or Territory legislation in relation to the provision by us of any goods or services via the web site which cannot be excluded, restricted or modified. Otherwise we exclude all conditions and warranties which may be implied by law.
    c. To the extent permitted by law, our liability for breach of any implied warranty or condition which cannot be excluded is restricted, at our option, to:
    i. in the case of services supplied or offered by us:
    ii. the re-supply of those services; or
    iii. the payment of the cost of having those services re-supplied; and
    iv. in the case of goods supplied or offered by us:
    v. the replacement of the goods or the supply of equivalent goods; or
    vi. the repair of the goods;
    vii. the payment of the cost of having the goods replaced; or
    viii. the payment of the cost of having the goods repaired.
    d. You agree that in no circumstances will we be liable to you for any indirect, incidental, special and/or consequential losses or damages or loss of profits of whatever nature howsoever arising, including from:
    i. the use of or access to, or any inability to use or access, the web site or any material on the web site;
    ii. unauthorised access to or alterations of your transmissions or data; or
    iii. statements or conduct of any third party on the web site.
    iv. any goods purchased through this web site.


    9. General     

    a. Variations: These Terms may be varied from time to time. Please ensure that you review these Terms regularly as you will be deemed to have accepted a variation if you continue to use the site after it has been posted.
    b. Severability: If any of these terms are determined to be illegal, invalid or otherwise unenforceable by reason of the laws of any state or country in which these terms are intended to be effective, then to the extent and within the jurisdiction in which that term is illegal, invalid or unenforceable, it shall be severed and deleted from these terms and the remaining terms shall survive and continue to be binding and enforceable.
    c. Waiver: The failure or delay of Travel Insurance Saver to exercise or enforce any right in these terms does not waive Travel Insurance Saver’s right to enforce that right.
    d. Applicable law: The information on this web site is provided for Australian residents only. Terms will be governed by and construed in accordance with the laws of the state of Queensland, Australia.
    e. Ownership: All contents of the Travel Insurance Saver web site are copyright. 
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    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.

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