Travel Insurance Saver

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

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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.

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warning A travel ban is in place for all Australians effective 25 March 2020. Most travel insurance brands will not cover you if you travel against a government warning. If you already have a policy, please contact your insurer directly for more information.
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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

  1. 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.

      This guide looks at which condition are usually automatically covered for free, those which are not and what to do if you are travelling with pre-existing medical condition. Please send us a message again if anything.

      Cheers,
      Joel

  2. 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 go to this page for you 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 on which option suits your needs.

      I hope this helps.

      Cheers,
      Judith

  3. 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 inform advise you if 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 non-travelling relative article.

      I hope this was helpful,
      Richard

  4. 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 trip 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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