Travel Insurance Saver | Review and compare with Finder

Travel Insurance Saver

Want a quick and easy option? Choose from 3 Travel Insurance Saver policies. 

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Important:

Travel insurance rules continue to change as a result of the coronavirus pandemic. We’re working hard to keep up and make sure our guides are up to date, however some information may not be accurate during the pandemic. It’s even more important to double-check all details that matter to you before taking out cover. Please know that some policies may not be available through Finder at this time. Here are some helpful tips:
    • If you're buying a policy today, it's unlikely that you'll be covered for any coronavirus-related claims
    • If your travel plans go against government advice, your policy will most likely be voided and you won't be covered
    Travel Insurance Saver is an Australian owned and operated travel insurer. You can tailor your policy for your trip, from snow sports and cruises to budget trips to Bali.
    Travel Insurance Saver is not currently available via finder. You may compare alternative options available below.

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    warning Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘
    Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.
    International travel insurance is limited and sometimes unavailable at this point.

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    Summary of Travel insurance saver's most comprehensive travel insurance policy

    Overseas Medical and Hospital ExpensesUnlimited
    Cancellation or holiday deferment costs$5,000 - Unlimited
    Luggage and Personal Effects$12,000
    Maximum Age LimitNo age limit

    Compare Travel insurance saver policy benefits

    Here are the features available with travel insurance saver's three main policies.

    Bare EssentialsEssentialsComprehensive
    Excess$250 or $150$250, $150 ot $0$250, $150 or $0
    Cancellation or holiday deferment costs$2,500$2,500 to $40,000$5,000 to Unlimited
    Emergency travel arrangements and accommodation expenses$5,000$15,000Unlimited
    Meals sub-limit$500$500$500
    Emergency internet/telephone sub-limit$250$250$250
    Overseas medical expensesUnlimitedUnlimitedUnlimited
    Dental expenses due to sudden and acute pain$1,000$1,000$1,000
    Medical evacuation and repatriation$250,000$500,000Unlimited
    Emergency expenses to avoid disaster$1,000$1,000$1,000
    Early return home$2,000$2,000$2,000
    Luggage and personal effects maximum limit$2,000$5,000$12,000
    Personal computer, camera, video individual item limit$250$500$4,000
    Smartphones$250$500$1,000
    Other individual item limit$250$500$700
    Emergency luggage$150$200$500
    Replacement passports and travel documents$500$1,000$3,000
    Funeral expenses overseas$15,000$15,000$25,000
    Personal liability$1,000,000$1,000,000$2,500,000
    Agents cancellation fees sub-limit
    $2,000$2,000
    Hospital compensation
    $5,000$8,000
    Travel delay
    $1,000$2,000
    Rental vehicle insurance excess
    $2000+$5,000+
    Return of rental vehicle
    $750$750
    Accidental death
    $10,000$25,000
    Accompanying children sub-limit
    $1,000 per child$1,000 per child
    Financial default of travel providers
    $3,500$10,000
    Post hospital accommodation
    $500
    Critical illness or injury – emergency travel expenses for a friend or relative sub-limit
    $20,000
    Home services sub-limit
    $500
    Missed connection – special events
    $2,000
    Resumption of trip
    $3,000
    Emergency accommodation due to terrorism
    $3,000
    Stolen cash
    $250
    Hiring replacement golf and surf equipment
    $200
    Fraudulent use of credit or debit cards
    $3,000
    Total permanent disability
    $12,500
    Loss of income
    $10,000

    Does Travel Insurance Saver cover cruises?

    Yes. You can add-on insurance called Cruise Cover. This means you'll be covered for all of the standard cruising issues including;

    • Onboard medical and dental cover
    • Ship to shore medical cover
    • Cabin confinement
    • Missed port
    • Missed shore excursions
    • Sea sickness cover

    Does Travel Insurance Saver cover pre-existing medical conditions?

    Travel insurance saver's comprehensive cover automatically includes 40 pre-existing medical conditions - including diabetes (type 1 and 2) asthma, cataracts and more. Keep in mind that you might be excluded if you condition has worsened recently.

    If your condition isn't listed, you can request to have your medical condition assessed, that is if you want it covered. You can do this by completing an existing medical condition (EMC) form online. No payment details are required to complete the EMC form.

    If you receive cover for a specified medical condition, an additional excess may also apply to each occurrence relating to your specified medical condition, should you need to claim. This additional excess will also be shown on your Certificate of Insurance.

    Are there add-ons available?

    Yes. Travel insurance saver offers a range of add-on options, including cover for:

    • Snow Sports
    • Cruises
    • Multi Trips
    • Specific medical Conditions
    • $0 Excess
    • Altitude Limits

    What's not covered by Travel Insurance Saver

    All travel insurers have some exclusions – and most of the time they're very similar – but you should always read your PDS carefully to ensure nothing important is excluded. Here are a few key things Travel insurance saver will not cover you for:

    • Claims as a result of travel even though you know you are unfit to travel, or went against medical advice, or without complying with a directive, recommendation, or warning from the World Health Organisation.
    • Travelling or planning to travel to a country or region that is the subject of a 'Do not travel' warning issued by the Australian Government.
    • A loss under the Annual Multi Trip Plan which occurs in excess of 45 days of any trip.
    • Credit card conversion fees or any other bank charges.
    • Any claims that resulted from recklessness
    • Any illegal or malicious act by you or the insured party
    • A government authority seizing, withholding or destroying anything of yours or any prohibition by or regulation or intervention of any government or any government not allowing you to enter or to stay in that country.

    This list is not exhaustive, so be sure to read your PDS before buying a policy for a full breakdown of what is and isn't covered.

    How do I contact Travel Insurance Saver?

    • For international assistance. Call +61 3 8523 2800 if you're outside of Australia, 1300 555 019 if you're in Australia, or you can email at travelassist@nib.com.au.
    • For customer support. Call 03 99427 9224 (available Monday to Saturday from 8am to 7pm).
    • For claims. You can make a claim online, by phone, email or by post.

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    8 Responses

      Default Gravatar
      IanMay 18, 2018

      have not seen in the information given asking for pre-existing medical conditions.

        Default Gravatar
        JoelMay 18, 2018

        Hi Ian,

        Thanks for leaving a question on Finder.

        Our guide on travel insurance with pre-existing medical conditions looks at which condition are usually automatically covered for free, those which are not, and what to do if you are travelling with a pre-existing medical condition.

        Please send us a message again if anything.

        Cheers,
        Joel

      Default Gravatar
      colleenDecember 15, 2017

      I am going on a cruise with my husband 12night barrier reef cruise on the celebrity solstice which is an international ship with international doctors on board and need insurance a comprehensive policy including unlimited medical coverage for any unforeseen US dollar medical bills while cruising

        Avatarfinder Customer Care
        JudithDecember 16, 2017Staff

        Hi Colleen,

        Thanks for your question. I hope all is well with you today.

        You may refer to our cruise travel insurance page to get quotes from travel insurers. Kindly click the green “Get a quote now” for you to view the result/s.

        Please take time in reading the said page as it would help you in comparing cruise insurance options. Moreover, please make sure to read the details, as well as the relevant Product Disclosure Statements / Terms & Conditions of the insurance options before making a decision and consider which option suits your needs.

        I hope this helps.

        Cheers,
        Judith

      Default Gravatar
      MalakAugust 25, 2016

      Does the policy cover for refund of deposits of holiday package if need to cancel and return urgently due to either severe illness or unforeseen circumstance to parent.

        Avatarfinder Customer Care
        RichardAugust 26, 2016Staff

        Hi Malak,

        Thanks for your question.

        Whether or not you can cancel due to an illness in the family will depend on whether the condition was pre-existing or not and the age of the family member.

        With Travel Insurance Saver, you are covered for the sudden hospitalisation or death of a relative, up to a maximum age of 80, in Australia as a result of serious illness or injury. If your relative has a pre-existing medical condition, you may be able to get cover, but you must complete a Non-Travelling Relative Medical Appraisal form. Once it has been submitted, a QBE representative will advise you if the cover is approved.

        For more specific information you should contact Travel Insurance Saver directly. But if you would like to know more about this topic in general, head over to our guide about non-travelling relative insurance guide.

        I hope this was helpful,
        Richard

      Default Gravatar
      MadelineJanuary 12, 2015

      Can I take out travel insurance before I have confirmation of departure and return dates? I’ve paid for a trip but await confirmation of it getting off the ground due to possible lack of numbers. Your help please

        Avatarfinder Customer Care
        RichardJanuary 12, 2015Staff

        Hi Madeline,

        Thanks for your question. If you are planning on taking out a single trip policy, you will need to have confirmed dates. However, if you are planning on taking multiple trips over the next 12 months, it may be worth considering an annual multi-trip policy, which you can take out without having specific dates. If you would be interested in learning more about Annual Multi-Trip Insurance, please follow the link through to our Annual Multi-Trip page.

        I hope this was helpful,
        Richard

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