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    Medical Condition

    A 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 add-ons 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. 
    The destination 'Australia - Cruise' is classifed as the South Pacific inc New Zealand region. 

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

    Find out more about Cruise Travel Insurance.

    Motorcycle / Scooter

    Motorcycles

    As the rider, you must have a current Australian motorcycle licence and comply with local road laws. There are no cc limits that apply.


    Scooters/Moped

    You must have a current Australian motorcycle licence or Australian drivers licence to ride a scooter/moped (step through scooter's only) overseas.  


    You must be wearing a helmet on Scooters and Motorcycles.


    Passenger

    If you are a passenger travelling on a motorcycle, moped or scooter, the person in the control must hold a current motorcycle licence 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 incl New Zealand and Australia - Cruise. 
    • 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.

    Travel insurance activities that may be covered

    Travel Insurance for Adventure and Leisure Activities: Comprehensive Coverage Overview

    When travelling, adventure activities can add excitement to your journey, but they also carry unique risks. Travel Insurance Saver offers cover options for a variety of sports and leisure activities to ensure you stay protected. This guide explores the available options for coverage, from multi-trip and single-trip plans to add-ons for specific activities like snow sports and cruises, with 24/7 emergency assistance.

    Key Coverage Options for Activities Insurance

    1. Multi-Trip vs. Single-Trip Policies
    • Multi-Trip Insurance: For frequent adventurers, the multi-trip option covers multiple trips within a year. Each journey is protected, ensuring consistent coverage for emergency medical treatment, evacuation, and specific activity-based coverage, such as snow sports.
    • Single-Trip Insurance: Ideal for one-time vacations or adventures, single-trip insurance may provide comprehensive coverage for the entirety of a single journey. This may include medical expenses, emergency evacuation, personal liability, and additional coverage for selected activities.
    2. Comprehensive Coverage for Activities
    Comprehensive travel insurance offers extensive protection, making it ideal for those planning extended travel with adventure activities included:
    • Unlimited Emergency Medical and Dental Coverage: For injuries sustained during covered activities.
    • Medical Evacuation and Repatriation: Transportation to your home country if medical assistance is needed.
    • Personal Liability: Protection in case of accidental injury to others or damage to property during your activities.
    3. Medical-Only Adventure Activities Coverage
    If your primary concern is health-related risks, the Medical-Only Adventure Activities plan offers focused medical support:
    • Emergency Medical Assistance: Unlimited coverage for emergency treatment or hospitalisation due to injuries from covered activities.
    • Evacuation and Repatriation: Medical evacuation coverage if required due to adventure-related injuries.
    • 24/7 Emergency Assistance: Global support for medical needs and travel logistics.

    Adventure and Sports Activities Covered

    Travel Insurance Saver covers a wide range of activities by default, including:
    • Snow Sports (On-Piste): Skiing and snowboarding on groomed slopes.
    • Water-Based Activities: Snorkelling, surface water sports within 2 nautical miles of a landmass, and recreational fishing close to shore.
    • Extreme Sports: Bungee jumping, shark cage diving, and hot-air ballooning.
    • Leisure Activities: Golf, hiking up to 4,000 metres, and gym activities (excluding powerlifting).
    Other adventure activities may be available upon application and are subject to policy conditions.
    Optional Add-Ons for Enhanced Activity Coverage

    1. Snow Sports Travel Insurance Quote
    • Medical Assistance: Coverage for injuries related to snow sports on groomed slopes.
    • Equipment Protection: Reimbursement for snow sports equipment if damaged or lost.
    • Trip Cancellations: Coverage for weather-related cancellations affecting snow sports activities.
    2. Cruise Cover Travel Insurance Quote
    • Onboard Medical Assistance: Coverage for onboard medical emergencies.
    • Cabin Confinement: Reimbursement for missed excursions due to confinement.
    • Missed Ports: Compensation if your cruise ship misses a scheduled port stop.
    3. COVID-19 Travel Insurance Quote
    • COVID-19 Medical Treatment: Coverage for medical expenses if diagnosed with COVID-19 while abroad.

    What’s Covered and What’s Not for Adventure Activities

    While a broad range of activities are covered, certain conditions apply:
    • Covered: Emergency medical expenses, evacuation, personal liability, baggage coverage.
    • Not Covered: Activities not specified within the policy, losses due to reckless behaviour, and intoxication-related incidents. Additionally, certain pre-existing conditions must be declared and approved for coverage.
    Consult the PDS for a full list of exclusions and automatic inclusions, particularly for pre-existing conditions.

    24/7 Emergency Assistance

    All policyholders have access to 24/7 emergency assistance. Whether you need medical evacuation, support due to activity-related injuries, or logistical assistance, we offer global emergency support services to handle all your needs.
     

    Frequently Asked Questions (FAQ) on Travel Insurance for Activities

    1. What details do I need to get a quote for activities insurance?
    You will need your age, travel destination, trip duration, cruise cover and any add-ons, such as snow sports.

    2. Are all adventure activities automatically covered?
    Please refer to the adventure activities below that are covered, some may require additional premiums or include Terms and Conditions. Review the PDS before deciding.
     
    3. Can I add snow sports coverage if I’m already travelling?
    Yes, additional coverage for an additional premium can be included when you apply for a quote online - Get a quote and click on continue to apply when completing the the checkout process. 

    4. Does my policy include medical evacuation for activity-related injuries?
    Yes, medical evacuation is included under all international plans for covered activities listed below or in the PDS.
     
    5. How do I access emergency support during an activity?
    Emergency assistance is available 24/7, which can coordinate medical or travel support.
      
    Adventure activity travel insurance

    The following activities are covered, please check product restrictions & PDS before considering.

    Angling & Fishing

    Archery

    Athletics

    Aussie Rules

    Badminton

    Bamboo Rafting

    Banana Boating

    Baseball 

    Basketball (not collegiate)

    Beach Volleyball

    Biathlon (non-snow)

    BMX riding (not stunts/obstacles)

    Boardsailing/Windsurfing

    Bowling, Bowls

    Bridge Swinging 

    Bungee jumping (to a maximum of two per person per Trip)

    Bushwalking

    Camel riding

    Canopy Walking

    Canyon Swing 

    Canoeing  

    Conservation work - Refer to General Exclusions 14.30. 

    Catamaran Sailing (within territorial waters)

    Clay Pigeon Shooting

    Climbing (indoor)

    Cricket

    Cross Country Running

    Curling

    Cycling

    Dancing - Please refer to General Exclusions 14.12.

    Deep Sea Fishing

    Dinghy Sailing

    Dog Sledding

    Dragon Boat Racing (including international competition)

    Dry Slope Skiing/Boarding

    Elephant Trekking/Riding

    Fell Running

    Fell Walking

    Fencing

    Fishing

    Fives Floorball

    Gaelic Football

    Go-Karting

    Golf

    Gymnastics

    Handball

    Hiking and Trekking -  There is no cover whatsoever for any trekking where the summit is higher than 4,000m, unless specifically agreed by Us. There is no cover for any climbing / trekking activity in Nepal.

    Hockey

    Honeymoon

    Horse Riding (excluding racing, jumping or competing)

    Hurling

    Ice Skating excluding Speed Skating

    Inline Skating

    Jogging

    Kayaking (up to grade 3 rivers)

    Kendo

    Kite Surfing

    Lacrosse

    Marathon Running

    Martial Arts not involving intentional bodily contact

    Modern Pentathlon

    Motor Cycling (refer to general exclusions 25 and 26 in the PDS)

    Mountain Bike (recreational only, no cover for competitive or noncompetitive downhill mountain biking)

    Netball

    Orienteering

    Outrigging

    Overland Trips

    Pistol Shooting

    Pony Trekking


    Adventure activity travel insurance 
       
           



        




         

    Find out more about the following activities. 

    Racketball

    Rackets

    Rambling

    Re-enacting (excludes use of live ammunition)

    Rifle Shooting

    Ringo

    Roller Blading

    Roller Hockey

    Rounders

    Rowing

    Running
     
    Sail Boarding
     
    Sailing/Yachting (recreational within territorial waters)
     
    Sand Dune Surfing/Skiing

    Scrambling

    Scuba Diving (up to 10m depth - please refer to General Exclusions)

    Sea Canoeing

    Sea Kayaking

    Shinty

    Shooting
     
    Skate Boarding

    Snorkelling

    Softball

    Squash

    Street Hockey

    Summer Tobogganing

     
    Swimming
     
    Table Tennis
     
    Tennis

    Tobogganing

    Touch Football
     
    Tramping

    Trampolining
     
    Trekking (up to 4,000m - without ropes, picks or other specialist climbing equipment - There is no cover whatsoever for any trekking where the summit is higher than 4,000m.. There is no cover for any climbing / trekking activity in Nepal.)

    Triathlon (up to and including Olympic distance)

    Tug-of-War

    Via Ferrata (using established routes and fixed apparatus)

    Volleyball

    Wakeboarding

    Walking

    War Games

    Water Polo

    Water Skiing

    White Water Canoeing/Rafting (up to and including Grade 4)
     
    Windsurfing

    Zorbing

     

    The following activities are not available in USA or Canada. 

     
    Activities below must be provided by a licenced commercial operator. Cover for these activities is not available in the USA or Canada, but are available in other destinations excluding Do Not Travel or Sanctioned countries. 

    Abseiling 
     
    Bridge walking
     
    Canyoning 
     
    Hot Air Ballooning
      
    Jet Boating
     
    Jet Skiing
     
    Off-piste Skiing - You are required to add 'Off Piste Snow Sports' to your policy to be covered - Not available in the USA or Canada.   
     
    Paintballing
     
    Paragliding

    Parasailing - Please check with us directly if you intend to participate in this activity.

    Parapenting 

    Quad Biking 

    Rap Jumping

    Safari Trekking

    Shark Diving - in cage

    Sky Diving - Tandem

    Parachute Jumping - static line

    Zip Lining 
     
     
    Adventure activity travel insurance
    Cover is subject to the policy terms, conditions, and limitations and exclusions set out in the Product Disclosure Statement. Always read the Product Disclosure Statement before making a decision about any travel insurance policy.   

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    Awards

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    Travel Insurance Saver Awarded Australia's Best Travel Insurance 2025
    Awarded Exceptional Value Comprehensive Travel Insurance 2025
    Travel Insurance Saver Awarded Exceptional Value Cruise Travel Insurance 2025
    Travel Insurance Saver Awarded Exceptional Value Annual Multi Trip Travel Insurance 2025
    Pat CarnegieNov 10, 2023

    I am nearly 89. Many companies won’t give me a quote as they reckon that I am too old. Those that do quote want a large excess for cover on a cruise and have a complicated medical assessment. Travel Insurance Saver sold me an Annual International Policy at a reasonable price. Their website is clearly designed and easy to use.

    Chris RichardsApr 11, 2023

    I had a good look around and found this Travel Insurance Saver policy was just right for my travel needs with a very competitive premium. Other insurers loaded a hefty " cruise component", which is counter-intuitive considering trains, planes and cars/ coaches are much more susceptible to problems than the now stringently applied systems on cruise ships. Highly recommend.!

    Paul BOct 28, 2022

    My research found that Travel Insurance Saver provide the best value for money Multi Trip annual travel insurance that also includes Covid 19 cover. Thoroughly recommend you check them out. Very easy to book online.

    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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