Travel Insurance Saver
Single Trip Annual Multi Trip
    29
    March
    2024
    30
    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 Vietnam

    Extras

    Vietnam is located on the eastern margin of the Indochinese peninsula and occupies about 331,688 square kilometres. It borders China, Laos, and Cambodia and the Gulf of Thailand, Gulf of Tonkin, and South China Sea. The country has a north-to-south distance of 1,650 kilometres and is about 50 kilometres wide at the narrowest point. With a coastline of 3,260 kilometres, excluding islands.

    The boundary with Laos with China, Laos, and Cambodia, settled on an ethnic basis, between the rulers of Vietnam and Laos in the mid-seventeenth century was formally ratified in 1986. 

    Vietnam is a country of tropical lowlands, hills, and densely forested highlands, with level land covering no more than 20% of the area. The country is divided into the highlands and the Red River delta in the north; and the Giai Truong Son (Central mountains, or the Chaîne Annamitique, sometimes referred to simply as "the Chaine."), the coastal lowlands, and the Mekong River Delta in the south. 

    The delta of the Red River is a flat, triangular region of 15,000 square kilometres, is smaller but more intensely developed and more densely populated than the Mekong River Delta. 

    The Red River, rising in China's Yunnan province, is about 1,200 kilometres long. Its two main tributaries, the Sông Lô (also called the Lo River, the Riviere Claire, or the Clear River) and the Sông Da. The entire delta region, backed by the steep rises of the forested highlands, is no more than three meters above sea level, and much of it is one meter or less. The area is subject to frequent flooding. 

    The highlands and mountain plateaus in the north and northwest are the Giai Truong Son (Annamite Range) originates in the Tibetan and Yunnan regions of southwest China and forms Vietnam's border with Laos and Cambodia. 

    These central mountains, which have several high plateaus, are irregular in elevation and form. The northern section is narrow and very rugged; the country's highest peak, Fan Si Pan, rises to 3,142 meters in the extreme northwest. The southern portion has numerous spurs that divide the narrow coastal strip into a series of compartments. 

    Within the southern portion of Vietnam is a plateau known as the Central Highlands (Tay Nguyen), approximately 51,800 square kilometres of rugged mountain peaks, extensive forests, and rich soil. 

    The narrow, flat coastal lowlands extend from south of the Red River Delta to the Mekong River basin. On the landward side, the Giai Truong Son rises precipitously above the coast, its spurs jutting into the sea at several places. 

    The Mekong delta, covering about 40,000 square kilometres, is a low-level plain not more than three meters above sea level at any point and criss-crossed by a maze of canals and rivers. So much sediment is carried by the Mekong's various branches and tributaries that the delta advances sixty to eighty meters into the sea every year. The southern tip, known as the Cà Mau Peninsula, or Mui Bai Bung, is covered by dense jungle and mangrove swamps. 

    The Mekong, which is 4,220 kilometres long, is one of the 12 great rivers of the world. From its source in the Tibetan plateau, it flows through the Tibetan and Yunnan regions of China, forms the boundary between Laos and Thailand. 

    Back to Vietnam 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.