Travel Insurance Saver
Single Trip Annual Multi Trip
    2
    March
    2024
    3
    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.

    Geography in United Kingdom

    Extras

    The UK has a coastline which measures about 12,400 km. The heavy indentation of the coastline helps to ensure that no location is more than 125 km from tidal waters.

    In total, it is estimated that the UK is made up of over one thousand small islands, some being natural and some being man-made crannogs, which were built in past times using stone and wood and which were enlarged by natural waste building up over time.

    The United Kingdom of Great Britain and Northern Ireland, or UK, is in Northern Europe and or Western Europe. It comprises the island of Great Britain (England, Scotland, and Wales) and the northeastern one-sixth of the island of Ireland (Northern Ireland), together with many smaller islands. The mainland areas lie between latitudes 49°N and 59°N (the Shetland Islands reach to nearly 61°N), and longitudes 8°W to 2°E. The Royal Greenwich Observatory, in Southeast London, is the defining point of the Prime Meridian. 

    The UK lies between the North Atlantic Ocean and the North Sea and comes within 35 km of the northwest coast of France, from which it is separated by the English Channel. Northern Ireland shares a 360 km international land boundary with the Republic of Ireland. 

    The total area of the United Kingdom is approximately 245,000 square kilometres comprising of the island of Great Britain, the northeastern one-sixth of the island of Ireland (Northern Ireland) and smaller islands. England is the largest country of the United Kingdom, at 130,410 square kilometres accounting for just over half the total area of the UK. Scotland at 78,772 square kilometres, is second largest, accounting for about a third of the area of the UK. Wales and Northern Ireland are much smaller, covering 20,758 square kilometres and 14,160 square kilometres respectively.

    The physical geography of the UK varies greatly. The Geography of England consists of lowland terrain, with mountainous terrain north-west of the Tees-Exe line including the Cumbrian Mountains of the Lake District, the Pennines and limestone hills of the Peak District, Exmoor, and Dartmoor. The Geography of Scotland is distinguished by the Highland Boundary Fault – a geological rock fracture – which traverses the Scottish mainland from Helensburgh to Stonehaven. The fault line separates the two distinctively different regions of the Highlands to the north and west and the lowlands to the south and east. The Geography of Wales is mostly mountainous, though south Wales is less mountainous than north and mid Wales. The Geography of Ireland includes the Mourne Mountains as well as Lough Neagh, at 388 square kilometres, the largest body of water in the UK and Ireland. 

    The geology of the United Kingdom is varied and diverse. This gives up to the wide variety of landscapes found across the UK. This variety, coupled with the early efforts of UK based scientists and geologists to understand it, has influenced the naming of many geological concepts, including many of the geological periods (for example, the Ordovician period is named after the Ordovices, a people of early Britain; the Devonian period is named after the county of Devon in south-west England). 

    The remains of ancient volcanic islands underlie much of central England with small outcrops visible in many places. Around 600 Ma, the Cadomian Orogeny (mountain building period) caused the English and Welsh landscape to be transformed into a mountainous region, along with much of northwest Europe. 

    The Welsh Skiddaw slate deposits formed at around 500 Ma, during the Ordovician Period. At about this time, around 425 Ma, north Wales (and south Mayo in Ireland) experienced volcanic activity. The remains of these volcanoes are still visible, for example Rhobell Fwar, dating from 510 Ma. Large quantities of volcanic lava and ash known as the Borrowdale Volcanics covered both Wales and the Lake District, still seen in the form of mountains such as Helvellyn and Scafell Pike.

    Volcanic deposits formed Ben Nevis in the Devonian Period. Sea levels varied considerably, with the coastline advancing and retreating from north to south across England, and with the deposition of numerous sedimentary rock layers. The Old Red Sandstone of Devon gave the period its name, though deposits are found in many other places. 

    In the Cretaceous Period, much of the UK was again below the sea and chalk and flints were deposited over much of Great Britain. These are now notably exposed at the White Cliffs of Dover, and form Salisbury Plain, the Chiltern Hills, the South Downs, and other similar features.

    The last volcanic rocks in the UK were formed in the early Tertiary Period, between 63 and 52 Ma, with the major eruptions that formed the Antrim Plateau and the basaltic columns of the Giant's Causeway. Further sediments were deposited over southern England, including the London clay, while the English Channel consisted of mud flats and river deposited sands. 

    The major changes during the last few million years, during the Quaternary Period, have been brought about by several recent ice ages, leaving a legacy of U-shaped valleys in highland areas, and fertile soil in southern U.K. 

    Back to United Kingdom 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.