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.

    Travel Insurance - Worldwide Travel Guide

    Worldwide Travel Insurance

    Through the Travel Insurance Saver website, you can ‘get a travel insurance quote’ online. If you are travelling to an overseas destinations or in Australian Waters, you may select from up to four travel plans, depending on the trip details and age. These include the following travel plans;
    • Bare Essentials 
    • Essentials 
    • Comprehensive 
    • Annual Multi Trip 
    The Bare Essentials Plan and Essentials Plan are available to residents of Australia up to 69 years of age at the time the Certificate of Insurance is issued.
     
    Looking for Worldwide travel Insurance? Please enter your travel details in the quote panel to view travel insurance for Worldwide travel.

    You may also select the ‘Worldwide’ destination if you are going to be travelling around the world. The ‘worldwide’ destination is associated with cover for the broadest group of countries available for travel under the travel insurance policy, including the USA and Nepal.  

    Travel Alert: You can only travel to your destination if there is no travel ban in place or if you have an exemption. Also, while a destination has a 'Do Not Travel' warning in place for COVID-19, our policies won't cover a loss arising from COVID-19 in that destination. See the latest government advice at smartraveller.gov.au and health.gov.au, and check the travel insurance alerts.
     
    ^ Cover is subject to the policy terms, conditions and limitations set out in the current Combined Financial Services Guide and Product Disclosure Statement (PDS).  
     
    Remember, travel insurance may provide benefits for claimable events listed in the PDS under ‘events that are covered’ for travellers who have a valid travel insurance policy. It is important to consider all potential contingencies when planning a holiday overseas, whether you’re backpacking or taking a cruise. Consider taking out a travel insurance policy which suits your trip details before you begin travelling.  
     
    Please be advised some destinations are excluded from cover. Destinations that would be automatically excluded such as "Do Not Travel" countries on the Smart Traveller website, or are otherwise ‘Sanctionedcountries; however, those countries excluded from cover are not limited to these two categories.
     
    Please always be up to date and aware of the information available on the Smart Traveller website before planning your next overseas holiday.  
     
    Some countries, such as Canada, may legally require travellers to have a valid travel insurance plan before they entering Canada to receive a visa.
     
    If you’re planning to travel overseas, please enter your trip details into the quote panel so you can compare and select from the available international travel insurance plans. 

    Worldwide Travel Insurance Guide


    The Travel Insurance Saver worldwide guide provides you with some basic information about some of the countries you may travel to. 
    I

    Iceland
    India
    Indonesia
    Ireland
    Italy


    J & K

    Jamaica
    Japan
    Jordon
    Kazakhstan
    Kenya
    Kiribati
    Kuwait
    Kyrgyz Republic or Kyrgyzstan

    L
    Laos
    Latvia
    Lesotho
    Liberia
    Liechtenstein
    Luxembourg

    M

    Madagascar
    Macau
    Malaysia
    Maldives
    Malta
    Mauritania
    Mauritius
    Mexico
    Moldova
    Monaco
    Mongolia
    Montenegro

    N

    Namibia
    Nauru
    Nepal
    Netherlands
    New Caledonia
    New Zealand
    Nicaragua
    Nigeria
    Norway

    O & P

    Oman
    Pakistan
    Panama
    Paraguay
    Papua New Guinea
    Peru
    Philippines
    Poland
    Portugal
    Puerto Rico

    Q & R

    Qatar
    Reunion
    Romania
    Rwanda

    S

    Samoa
    San Marino
    Saudi Arabia
    Serbia
    Singapore
    South Africa
    Spain
    Sri Lanka
    Sweden
    Switzerland

    T to V

    Tahiti
    Thailand
    Turkey
    United State
    United Kingdom
    Viet Nam

    Travel Alert: Policies provide cover for some coronavirus-related events. Cover is not available for loss arising from: government intervention including travel bans, border closures, or broadly imposed quarantine requirements; events for which the Government has issued a 'Do Not Travel' warning for your destination, or failure to follow advice from official bodies. Your ability to travel may be affected by travel restrictions. See the latest government advice at smartraveller.gov.au and health.gov.au, and check the travel insurance alerts.

    Cover is subject to the policy terms, conditions, limitations, and exclusions set out in the current Combined Financial Services Guide and Product Disclosure Statement (PDS). Read the PDS prior to choosing a travel insurance policy.    

    Contact Travel Insurance Saver

    If you have any question's please fill in the form below and one of our friendly team members will get in touch soon.

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