Travel Insurance Saver
Single Trip Annual Multi Trip
    21
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    2025
    22
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    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.

    Compare Travel Insurance from Us

    2024 Travel Insurance Award

    Compare Travel Insurance: Your Guide to Finding the Right Coverage

    When planning your next adventure, it's essential to compare travel insurance options to ensure you select the right coverage for your journey. Understanding the various policies available can help you make an informed decision that suits your travel needs.  

    Understanding Travel Insurance Options

    Travel insurance policies vary significantly, providing different levels of coverage for various scenarios. Whether you're traveling for leisure or business, having a suitable policy can mitigate risks associated with unexpected events. By taking the time to compare travel insurance, you can identify which policy aligns best with your requirements.  

    Key Features to Compare

    When you evaluate travel insurance options, consider essential features such as trip cancellation coverage, medical expenses, and lost or stolen belongings. Each insurer may have unique offerings, so reviewing these aspects is crucial. Look for policies that provide clear details on coverage limits and exclusions.  

    1. Trip Cancellation Coverage

    One important feature to assess is trip cancellation coverage. This option can reimburse you for non-refundable expenses if you must cancel your trip due to unforeseen circumstances. Comparing this aspect across different policies can help you choose a plan that protects your investment.  

    Compare Travel Insurance

    2. Medical Expenses

    Another area to consider focusing on is medical expenses. Depending on your destination, medical costs can vary significantly. Ensure that the policy you select covers potential medical emergencies and provides adequate coverage for hospital stays and treatment.  

    3. Limitations and Exclusions

    As you compare travel insurance, be aware of any limitations and exclusions outlined in the policy. Each provider will specify situations that may not be covered, such as pre-existing medical conditions or certain high-risk activities. Familiarizing yourself with these details will enable you to make a more informed decision.  

    How to Compare Travel Insurance Effectively

    To effectively compare travel insurance, start by gathering quotes from various providers. Online comparison tools can simplify this process, allowing you to view multiple options side by side. Take note of the premiums, coverage details, and any additional features that may be relevant to your trip.  

    1. Utilize Product Disclosure Statements (PDS)

    The Product Disclosure Statement (PDS) is a valuable resource when evaluating travel insurance policies. It provides comprehensive details about what is included in the coverage, including terms, conditions, and limitations. Reviewing the PDS will give you a clearer picture of what to expect from your chosen policy.  

    2. Read the Fine Print

    While comparing, don't overlook the fine print. Understanding the terms and conditions will help you avoid surprises later. Ensure you are aware of any specific requirements that may be necessary for claims, as this can vary between insurers.  

    Making the Final Decision

    After carefully comparing your options, you should have a clearer understanding of which travel insurance policy meets your needs. Take your time to analyze the information gathered, and don't hesitate to reach out to providers for clarification on any points that are unclear.  

    Compare Travel Insurance

    Comparing travel insurance is a crucial step in preparing for your journey. By considering key features, understanding limitations, and utilizing the Product Disclosure Statement, you can make a well-informed decision. Prioritize your travel needs and ensure you select a policy that offers the coverage that fits your plans.  

    Compare Travel Insurance Excess from Us

    What is an excess?

    An excess, or a deductible, is an amount the policyholder must pay if they proceed with making a travel insurance claim on their policy. Not every travel insurance policy has the same excess, different excesses may apply for different events. Some excess limits are adjustable on certain policies. When you reduce your excess, you'll notice that your premium has gone up - that's because with a reduced excess you will pay less in the event of a claim.  

    You can compare travel insurance excesses from us by getting a travel insurance quote online and comparing products. We allow users to update the excess; this will reflect in the premium changing.  

    Compare Travel Insurance 24/7 Call Center from Travel Insurance Saver

    Before buying a travel insurance policy online, you may want to consider the travel insurance plan that you are looking to select, and that the provider has made available contact details both to you for Customer Service (general inquiries), and in the case of an emergency, a 24/7 international assistance number internationally and domestically emergencies.  

    Compare Travel Insurance Exclusions from Travel Insurance Saver

    It's important to be aware of the claimable events outlined in the Product Disclosure Statement (PDS) of the travel insurance policy you are looking to select. Equally important is to be aware of the events that aren't covered. 'General Exclusions' outline situations, events and factors that aren't covered under the travel insurance policy.  

    Compare Our Travel Insurance for Emergency Assistance

    In the event of an emergency, you may need to speak to a 24/7 international assistance team. Please consider printing any important documents and have them with you while you travel, such as your Certificate of Insurance, accommodation, and flight itinerary.  

    Compare Travel Insurance for Snow Sports Cover from Us

    Snow sports cover isn't automatically included as standard under our travel insurance policies and will need to be added on to applicable plans as an optional extra if you are going to be snow skiing and snowboarding on . You can also add Off-Piste skiing and snowboarding as well for an additional premium.  

    Compare Travel Insurance for Cancellation Cover from Us

    You may want to compare travel insurance from us online, such as the different cancellation benefits available under a range of travel insurance plans, and the different events that are and are not covered. When you are looking online for a travel insurance policy, it's important to read the Product Disclosure Statement, which outlines the applicable benefits, limitations, events that are covered, events that areCompare Travel Insurance FAQs

    Why should I compare travel insurance?

    Comparing travel insurance helps you find the right coverage for your trip, ensuring you're protected against unexpected events without overpaying.

    What key features should I compare in travel insurance policies?

    Focus on trip cancellation coverage, medical expense limits, baggage protection, and any exclusions that might affect your trip.

    What is travel insurance excess?

    It's the amount you pay towards a claim, similar to a deductible. A lower excess usually means a higher premium, so compare and choose what suits your budget and risk tolerance.

    Where can I compare travel insurance policies online?

    Our website offers a comparison tool where you can get quotes from different providers and see their coverage side-by-side.

    What are some common travel insurance exclusions?

    Pre-existing medical conditions, high-risk activities like extreme sports, and certain destinations might be excluded. Always check the Product Disclosure Statement (PDS) for details.

    Does Travel Insurance Saver offer 24/7 emergency assistance?

    Yes, we provide 24/7 international assistance for emergencies. Keep your Certificate of Insurance and contact details handy while traveling.

    Is snow sports cover included in travel insurance?

    Snow sports cover is an optional extra. If you plan on skiing or snowboarding, add this cover to your policy for Medical cover while skiing or snowboarding. Off-piste is available as an additional extra. 

    What should I look for when comparing cancellation cover in travel insurance?

    Check what events are covered for trip cancellation, such as illness, natural disasters, or airline strikes. Compare the reimbursement levels and any exclusions related to cancellation. 

    Please get a quote to compare travel insurance from Travel Insurance Saver.  

    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.