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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.

    Travel Insurance for a Year

    One-Year Travel Insurance: Comprehensive Coverage for Extended Adventures

    Planning an extended trip or multiple trips within a year? Travel Insurance Saver’s one-year travel insurance offers coverage options designed for travellers with long-term itineraries, covering you for up to 365 days. Whether you’re looking for single-trip, multi-trip, or medical-only coverage, one-year insurance protects you against unforeseen events, from medical expenses to travel disruptions. With 24/7 support so you can focus on your journey, knowing support is available when you need it.

    Key Coverage Options for One-Year Travel Insurance


    1. Multi-Trip vs. Single-Trip Policies
    • Multi-Trip One-Year Insurance: Ideal for frequent travellers, this policy may provide unlimited trips within the policy year, covering medical expenses, trip cancellations, personal belongings, and personal liability. Each trip duration is capped depending on the policy limits, but you benefit from consistent coverage across multiple destinations.
    • Single-Trip One-Year Insurance: Designed for travellers embarking on a single extended journey, this plan covers up to 365 days with comprehensive benefits, including emergency medical care, evacuation, and coverage for trip cancellations, loss of baggage, and delays.

    2. Comprehensive One-Way Coverage

     One-way coverage is also available under the one-year insurance plan for travellers with no set return date to Australia. Comprehensive one-way coverage may include:
    • Emergency Medical Assistance and Hospitalisation: Unlimited coverage for medical expenses and necessary hospital care.
    • Repatriation and Medical Evacuation: Medical transport back to Australia if required.
    • Coverage for Delayed or Lost Baggage: Protection for personal belongings, with compensation for lost or damaged items during travel.
    • 24/7 Emergency Assistance: Professional support for all emergency medical and logistical needs throughout your journey.

    3. Medical-Only Coverage for Extended Adventure Travel

     Medical-only plans are suited for travellers focused on health-related risks, particularly when engaging in adventure activities:
    • Emergency Medical Treatment: Unlimited emergency medical treatment, surgical services, and hospital expenses.
    • Medical Repatriation: Evacuation to your home country if medically necessary.
    • Coverage for Adventure Activities: Various adventure and leisure activities are included, such as snorkelling, bungee jumping, and hiking (up to specified altitude limits).

    Adventure Activities Covered and Exclusions

    Travel Insurance Saver’s policies automatically include a range of activities at no extra cost:
    • Automatically Covered Activities: Skiing (on piste), snorkelling, surface water sports, bungee jumping, hot-air ballooning, hiking (up to 3,000 metres without specialist equipment), and zip-lining (Australia and New Zealand only).
    • Excluded Activities: Certain activities, such as downhill mountain biking, powerlifting, and contact sports, are not covered unless specifically added to the policy. Coverage may be requested for additional activities by contacting Travel Insurance Saver.

    Optional Add-Ons for Extended Coverage

    1. Snow Sports Travel Insurance Quote
    • Coverage for On-Piste Activities: Medical protection for injuries sustained while skiing or snowboarding on groomed slopes.
    • Equipment Protection: Reimbursement for lost or damaged snow sports equipment.
    • Weather-Related Cancellations: Reimbursement for trip cancellations due to adverse weather affecting snow sports activities.

    2. Cruise Cover Travel Insurance Quote
    • Medical Assistance Onboard: Comprehensive medical coverage for emergencies that occur while cruising.
    • Missed Ports and Shore Excursion Cancellations: Reimbursement for missed ports and prepaid excursions due to medical issues.
    • Cabin Confinement: Compensation if confined to your cabin due to illness.

    3. COVID-19 Travel Insurance Quote
    • Medical Coverage for COVID-19 Treatment: Covers treatment and hospitalisation costs if diagnosed during travel.

    What’s Covered and What’s Not for Medical Expenses

    Travel Insurance Saver’s one-year insurance may provide extensive medical coverage, though certain exclusions apply:

    • Covered: Emergency medical expenses, medical evacuation, and adventure activities as specified.
    • Not Covered: Excluded activities, pre-existing conditions not declared, reckless behaviour, and losses due to unattended belongings.
    For specific conditions, such as asthma or controlled diabetes, coverage may be provided automatically if criteria are met. A medical screening process is available to assess additional conditions for coverage.

    24/7 Emergency Assistance

    Travel Insurance Saver policies include 24/7 emergency assistance. The team offers round-the-clock support for medical emergencies, logistical coordination, and repatriation, giving you the support needed wherever you travel.

    Frequently Asked Questions (FAQ) on One-Year Travel Insurance

    What details are required to get a quote for one-year travel insurance?
    You’ll need to provide your age, travel destination, trip duration, and any additional activities such as snow sports, or cruise cover to receive a tailored quote.

    Are adventure activities automatically included?
    Yes, several activities are automatically covered. For additional activities not listed, you can contact Travel Insurance Saver for possible add-ons.

    Can I add specific coverage like snow sports or cruise cover while abroad?
    Optional coverage for snow sports or cruises can be added when obtaining a quote online or before departure.

    Does one-year travel insurance cover medical repatriation?
    Yes, both comprehensive and medical-only plans include medical repatriation if medically necessary.

    How do I access emergency support while abroad?
    Emergency support is available 24/7. Contact details are provided in your policy documentation.

    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). Make sure you’ve read and understood the (PDS) prior to choosing a travel insurance policy.  
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    Disclaimer

    Travel Insurance Saver Travel Insurance is arranged by Insurance Saver Pty Ltd, ABN 18 624 919 366, AR no: 001263726 and is issued by Chase Underwriting Solutions Pty Ltd ABN 50 156 554 808 (AFSL No. 454344), one of Australia's leading insurance specialists. Chase Underwriting Solutions Pty Ltd is authorised by ASIC to issue, deal in and provide general advice on general insurance products. Chase Underwriting Solutions Pty Ltd issues certificates under a binding authority granted by Lloyd's.

    General Advice Warning - The information contained in this website is correct at the time of publishing. The website and any advice given is of a general nature and does not take into account your objectives, financial situation or needs. If you are considering acquiring our travel insurance, you should obtain the Product Disclosure Statement (PDS) and Target Market Determination relating to the product and consider this before making any decision.

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