Travel Insurance Saver
Single Trip Annual Multi Trip
    22
    January
    2025
    23
    January
    2025
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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.

    Worldwide Travel Insurance

    Get Worldwide Travel Insurance Online for Your Next Trip

    Secure worldwide travel insurance online with ease for your upcoming journey abroad. Our plans may cover a range of options, including emergency overseas medical assistance. Get a quick quote now!

    Why Choose Worldwide Travel Insurance for Your Next Trip?

    If you’re planning a global adventure, considering travel insurance options from Travel Insurance Saver (TIS) may provide against unexpected events. Whether it’s an emergency medical situation, trip cancellation, or protecting your personal belongings, TIS offers various worldwide coverage options that may suit your unique travel needs.

    Available Worldwide Travel Insurance Options 

    Travel Insurance Saver provides four primary worldwide travel insurance options:  
    1. Medical Only – Essential medical coverage for emergencies.
    2. Essentials – A basic plan covering medical, cancellation, and some belongings.
    3. Comprehensive – Full coverage, including medical, trip cancellation, personal belongings, and more.
    4. Annual Multi-Trip – Coverage for multiple trips within a year, ideal for frequent global travellers.

    Summary of Coverage with Worldwide Travel Insurance

    With TIS, our worldwide travel insurance covers a comprehensive range of benefits tailored that may  meet travel needs, that may include:
    - Overseas emergency medical assistance and expenses
    - Medical evacuation and repatriation
    - Coverage for luggage and personal belongings
    - Replacement passports, travel documents, and transaction cards
    - Rental vehicle excess insurance
    - Trip cancellation coverage
    - Travel delay coverage

    Please note that coverage options may vary based on the policy you choose, with some restrictions or limits on benefits. Review the details of each plan to understand specific benefits fully.

    Annual Multi-Trip Worldwide Travel Insurance

    The Annual Multi-Trip policy allows for unlimited global trips within a 12-month period, provided each trip does not exceed 31, 45, 62 or 93 days for travellers under 81.
    31 and 45 days are available for travellers 81 years of age or over.

    Choose from Medical Only, Essentials, or Comprehensive Annual Multi-Trip coverage based on your travel frequency and destinations.

    Worldwide Travel Insurance for Snow Sports

    All TIS travel insurance products offer optional snow sports coverage for activities like skiing and snowboarding for an additional fee. Customise the duration of your snow sports coverage based on the specific days you'll be engaging in these activities. For those planning off-piste adventures, an additional off-piste cover option may also available.

    Cruise Coverage for Worldwide Travel Insurance

    Planning a worldwide cruise? Select cruise cover as an optional add-on when getting a quote. Cruise-specific benefits include emergency medical assistance, cabin confinement coverage, and coverage for missed ports and prepaid shore excursions. This option can be tailored for both global cruises and domestic cruises around Australia’s coastline.

    Long-Term Worldwide Travel Insurance Options

    For extended trips up to 365 days, Travel Insurance Saver offers single-trip policies, which may be extended if additional coverage is required after the policy term ends. Long-term travelers can explore options to purchase additional policies either before departure or while abroad to cover extended journeys.

    Extending Worldwide Travel Insurance Coverage

    You may extend your worldwide travel insurance policy while overseas, provided there are no changes in health status and you haven’t filed a claim. The Medical Only, Essentials, and Comprehensive single-trip products can be extended up to 365 days per policy. For travels exceeding one year, consider a new policy to continue coverage.

    Worldwide Travel Insurance FAQs


    1. Am I covered for trip cancellation under worldwide travel insurance?  
    Yes, TIS covers cancellations due to unforeseen events like illness, injury, or natural disasters.

    2. Are overseas medical expenses included?  
    Yes, TIS provides coverage for medical expenses incurred overseas, including hospital care, emergency medical assistance, and repatriation.

    3. Can I get coverage for lost or stolen luggage and belongings?  
    Yes, worldwide travel insurance policies include coverage for lost, stolen, or damaged items, up to the specified policy limits.

    4. Can I extend my policy while abroad?  
    Yes, extensions are possible under certain conditions. Contact TIS before your policy expires to discuss your options.

    5. Are there any exclusions for certain activities or destinations?  
    Yes, high-risk activities, destinations with travel advisories, and pre-existing conditions may be excluded. Refer to the policy for detailed terms and restrictions.

    6. How do I make a claim?  
    Contact the claims department as soon as possible, and ensure you have all required documents ready for prompt processing.

    Get a worldwide travel insurance quote today with TIS and compare options to find the best fit for your journey.

    Worldwide Travel Insurance Guide


    The Travel Insurance Saver worldwide guide may provide you with some basic information about some of the countries you may travel to.
    Please refer to our Worldwide Guide where you will find a COUNTRY LIST with information that might be relevant to your trip.
    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
    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
    Vietnam

    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

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