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Travel Insurance Saver

Our verdict: Benefit from a high cancellation cover and some other competitive limits when choosing Travel Insurance Saver’s most comprehensive policy.

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Pros

  • Travel Insurance Saver offers cover for COVID-19. Three of its plans cover up to $2,500 for quarantine expenses or trip cancellation if yhou're diagnosed with coronavirus.
  • Its cover limit of $12,000 for theft or damage to your luggage and personal items is one of the highest sums compared to 15 of its competitors.

Cons

  • Travel Insurance Saver covers up to $2,500,000 for personal liability. This may be fine for most travellers, but it's just half of that offered by competitors such as InsureandGo and Fast Cover.

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Summary of Travel Insurance Saver's Comprehensive policy

Overseas medical and hospital expensesUnlimited
Cancellation and amendment fees$5,000 to Unlimited
Luggage and personal effects$12,000
Maximum age limit110

Table updated December 2023

Travel Insurance Saver Travel Insurance: COVID-19

Travel Insurance Saver is 1 of 26 providers that offer some cover for COVID-19. While you won't find cover for every scenario, here are some of the main benefits if you're affected before or after your trip:

  • Overseas medical including any reasonable and necessary medical expenses arising from sudden illness or serious injury
  • Medical evacuation and repatriation if medically necessary
  • Coronavirus travel costs including cover for quarantine expenses and trip cancellation if you are diagnosed with coronavirus

If you want to know how other insurers handle COVID-19 claims, we've compared some of the providers that cover pandemic-related expenses.

What policies do Travel Insurance Saver offer?

Travel Insurance Saver has 4 international travel plans available: Comprehensive, Essentials, Bare Essentials and Annual Multi Trip. For domestic trips, there are 2 additional plans to choose from: Australia Travel and Cancellation and Additional Expenses.

Travel plane luggage passport

Comprehensive

Passport

Essentials

Luggage

Bare Essentials

Hiking

Annual Multi Trip

Travel Insurance Saver offers products that are underwritten by Pacific International Insurance Pty Ltd. Its policies come with a 21-day cooling-off period, which means if you decide to cancel your policy within this period, haven't yet started your trip and haven't made a claim, Travel Insurance Saver will refund your premium in full.

Here's a breakdown of Travel Insurance Saver travel insurance features

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Standard features

Travel Insurance Saver Travel Insurance policies have a lot of benefits that can cover you for a wide variety of travel-related mishaps, from lost luggage to medical evacuation. Here are some of the key policy benefits to help you decide if it's the right provider for you:

  • Accidental death
  • Cancellation or holiday deferment costs
  • Dental expenses due to sudden and acute pain
  • Emergency travel arrangements and accommodation expenses
  • Hospital compensation
  • Loss of income
  • Luggage and personal effects
  • Medical evacuation and repatriation
  • Missed connection (special events)
  • Overseas medical expenses
  • Rental vehicle insurance excess
  • Travel delay

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Exclusions

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

  • Riding a motorcycle, moped or motor scooter with an engine capacity greater than 250cc, either as the person in control or as a passenger.
  • Elective or cosmetic treatment or surgery that is not medically necessary.
  • A loss that arises from you travelling against medical advice.
  • Abseiling, BASE jumping, hunting, mountaineering using support ropes, paragliding, playing polo, potholing, racing (except on foot), rock climbing or running with the bulls.
  • A loss arising from any pregnancy-related illness after the 26th week of gestation.
  • A loss arising from a member of the travelling party being intoxicated by or addicted to alcohol.
  • Any claims that resulted from recklessness
  • A loss under the Annual Multi-Trip Plan that occurs in excess of 45 days of any trip.
  • 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.

Make sure you review Travel Insurance Saver's PDS for a detailed breakdown of what will and won't be covered.

How to make a Travel Insurance Saver claim

  • Head to https://www.nibtravelinsurance.com.au/claims
  • Make a new claim by creating a new account or logging in to your existing account
  • Detail what happened and the expenses you're claiming
  • Check your email for supporting documents you need to upload
  • Submit, and you'll be contacted within 10 business days

Here's the bottom line about Travel Insurance Saver Travel Insurance

Travel Insurance Saver's policy inclusions are much more than your bare-bones travel insurance policy. Depending on the level of cover you choose, you'll find generous cover limits for medical expenses, cancellation costs and even personal accident cover. Insurance for COVID-19 expenses is an added bonus for those worried about the pandemic waylaying their travel plans.

Personal liability cover ranges from $1,000,000 to $2,500,000 across Travel Insurance Saver's plans and is a giant step behind many other providers. This could be more than enough for some travellers, but others looking for a bit more peace of mind might find this benefit lacking.

If you're still not sure about Travel Insurance Saver, you can compare other travel insurance companies here.

Frequently asked questions

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9 Responses

    Default Gravatar
    NazyaDecember 7, 2021

    I am looking for travel insurance for my mother coming from Fiji to Australia. Do you arrange for travel insurance?

      AvatarFinder
      JamesDecember 19, 2021Finder

      Hi Nazya,

      Buying travel insurance for visitors to Australia can be a bit tricky at the moment. However, this guide can help you with more information regarding your needs: Travel insurance for visitors to Australia

      Best,
      James

    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 traveling 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
      JudithDecember 16, 2017Finder

      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.

    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
      RichardJanuary 12, 2015Finder

      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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