Travel Insurance Saver
Single Trip Annual Multi Trip
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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. 

    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.

    United States of America Climate

    Climatic conditions are so diverse in the United States we have selected an example of states and detailed their individual climatic conditions to provide a more accurate climate overview. 

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    FLORIDA

    Summers throughout the state are long, warm, and humid. Winters are mild with periodic invasions of cool to occasionally cold air. Coastal areas in all sections of Florida average slightly warmer temperatures in winter and cooler ones in summer. 

    The primary factors affecting the state's climate are latitude and numerous inland lakes. Proximity to the currents of the Atlantic Ocean and the Gulf of Mexico also plays an important role.

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    Florida is the thunderstorm capital of the United States. The "lightning belt" in Florida is an area from between Orlando and Tampa to south along the west coast to Fort Myers and east to Lake Okeechobee. 

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    The thunderstorms generally occur during afternoons — June through September. 

    Florida is just subject to hurricane activity; the hurricane season officially runs from June 1 to November 30 each year. 

    Southern Florida is characterised by a tropical climate encompassing very warm weather year-round and a minimal temperature range between seasons. 

    ALASKA

    The climate varies widely throughout the state. Anchorage’s summer weather is pleasant and the winters are mild. Fairbanks, the Interior, and parts of the Bush region experience Alaska’s most extreme weather conditions with average temperatures ranging from 22ºC in high summer to -28ºC in winter. 

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    Generally, weather patterns ranging from Prince William Sound to Ketchikan are dominated primarily by low pressure systems creating warm, moist, Pacific Ocean air over steep mountainous shoreline stretching throughout the area causing precipitation from upslope flow, temperature inversions and other surface based frictional effects. 

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    During the winter months as the polar air mass moves Southward and strengthens with the jet stream, clear skies associated with high pressure centres located in Northwestern Canada may be seen frequently. The development of arctic air masses situated within the polar airmass establish frontal boundaries along steep temperature gradients which divide these air masses. Frontal activity associated with the pressure systems also plays a major role in weather development along the interior coastal areas of the Southeast. Cold stable air during the winter will generally cause widespread uniform precipitation and low level stratiform clouds. 

    NEW YORK STATE

    New York has a humid subtropical climate. Weather in New York is heavily influenced by two continental air masses: a warm, humid one from the southwest and a cold, dry one from the northwest.

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    The winters are long and cold in the Plateau Divisions of the state. In most winter seasons, a temperature of −25 °C or lower can be expected in the northern highlands (Northern Plateau) and −15 °C or colder in the southwestern and east-central highlands (Southern Plateau).

    The summer climate is cool in the Adirondacks, Catskills, and higher elevations of the Southern Plateau. The New York City area and lower portions of the Hudson Valley have rather warm summers by comparison, with some periods of high, uncomfortable humidity. The remainder of New York State enjoys pleasantly warm summers, marred by only occasional, brief intervals of sultry conditions. Summer daytime temperatures usually range from the upper 19C to 25 to 30 °C, over much of the state. 

    SOUTH DAKOTA

    South Dakota has a continental climate with four distinct seasons, ranging from very cold, dry winters to hot and semi-humid summers. During the summers, the average high temperature throughout the state is often close to 32 °C, although it generally cools down to near 15 °C at night. It is not unusual for South Dakota to have severe hot, dry spells in the summer with the temperature increase above 38 °C several times every year. Winters are cold with January high temperatures averaging below freezing and low temperatures averaging below - 12 °C in most of the state.

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    Average annual rainfall in South Dakota ranges from semi-arid in the northwestern part of the state 381 mm to semi-humid around the southeast portion of the state 635 mm. 

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    South Dakota summers bring frequent, sometimes severe, thunderstorms with high winds, thunder, and hail. The eastern part of the state is often considered part of Tornado Alley, and South Dakota experiences an average of 23 tornadoes per year. Winters are somewhat more stable, although severe weather in the form of blizzards and ice storms can occur during the season. 

    NEW MEXICO

    The climate in New Mexico is varied based on changes in topographic features.  The State’s topography consists mainly of high plateaus or mesas, with numerous mountain ranges, canyons, valleys, and normally dry arroyos.  

    New Mexico has a mild, arid, or semiarid, continental climate characterized by light precipitation totals, abundant sunshine, low relative humidities, and a relatively large annual and diurnal temperature range.  The highest mountains have climate characteristics common to the Rocky Mountains. 

    Mean annual temperatures range from 18c in the extreme southeast to 40c in high mountains and valleys of the north. Elevation is a greater factor in determining the temperature of any specific locality than latitude. 

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    During the summer months, individual daytime temperatures quite often exceed 40c at elevations below 5,000 feet, but the average monthly maximum temperatures during July, the warmest month, range from slightly above 30c at the lower elevations to the upper 23c at high elevations.  Warmest days quite often occur in June before the thunderstorm season sets in, during July and August. The average range between daily high and low temperatures is from 25o to 35o F. 

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    Rainfall– Average annual precipitation ranges from less than 10 inches over much of the southern desert and the Rio Grande and San Juan Valleys to more than 20 inches at higher elevations in the State. 

    CALIFORNIA

    California climate varies from Mediterranean to subarctic. Much of the state has a Mediterranean climate, with cool, rainy winters and dry summers. The cool California Current offshore often creates summer fog near the coast. Further inland, one encounters colder winters and hotter summers.

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    Northern parts of the state average higher annual rainfall than the south. California's mountain ranges influence the climate as well: some of the rainiest parts of the state are west-facing mountain slopes. Northwestern California has a temperate climate, and the Central Valley has a Mediterranean climate but with greater temperature extremes than the coast. The high mountains, including the Sierra Nevada, have a mountain climate with snow in winter and mild to moderate heat in summer.

    The east side of California's mountains has a drier rain shadow. The low deserts east of the southern California mountains experience hot summers and nearly frostless mild winters; the higher elevation deserts of eastern California see hot summers and cold winters. 

    On the coast, average yearly temperatures range between the low 4.4°C and in the high 21.1°C and 26.7°C. Farther inland, summers are hot and dry, and at higher altitudes the weather is more typical of a four-seasons cycle with cold, snowy winters. 

    HAWAII

    The temperature ranges for Hawaii are

    April- November: 75˚-88˚ F. 

    December- March: 68˚-80˚ F.

    Average water temperature: 74˚ F.

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    The climate of Hawaiʻi is typical for a tropical area, although temperatures and humidity tend to be a bit less extreme due to the constant trade winds blowing from the east. Hawaii has only two seasons: summer from May to October, and winter from October to April. Local climates vary considerably on each island, grossly divisible into windward. 

    TORNADO ALLEY

    Although no state is entirely free of tornadoes, they are most frequent in the plains between the Rocky and Appalachian Mountains. The state where strong twisters most commonly occur is Oklahoma. 

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    Florida has the highest density of tornado occurrence in the country. Nearly all of Florida's tornadoes are weak, short-lived. Oklahoma has the highest occurrence of such "classic" super cellular tornadoes. The most common definition of Tornado Alley is from northern Texas, northward through western Oklahoma and Kansas, and eastern Colorado and through Nebraska into south-eastern South Dakota, southern Minnesota, and western Iowa. 

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    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.