Travel Insurance Saver Review

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

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Travel Insurance Saver

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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 border closures
    • If your travel plans go against government advice, your policy will most likely be voided and you won't be covered

    Our Verdict

    • Travel Insurance Saver is one of just a handful of brands offering some kind of cover for the pandemic. Three of its plans cover up to $2,500 for quarantine expenses or trip cancellation if you'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 ten of its competitors.
    • Travel Insurance Saver cover 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 like Amex and Fast Cover.

    Review by our senior insurance writer James Martin

    Travel Insurance Savers offers a choice of four different policies, from the cost-effective Bare Essentials to the no-expenses-spared Comprehensive policy, so you can find cover no matter what your budget.

    Get a quote for a range of Travel Insurance Saver policies

    Name Product Overseas Medical Expenses Cancellation and amendment fees Theft or damage to lugagge COVID-19 expenses Standard excess
    Travel Insurance Saver Bare Essentials
    • $2,500
    • $2,000
    Travel Insurance Saver Essentials
    • $2,500 to $40,000
    • $5,000
    Travel Insurance Saver Comprehensive
    • $5,000 to Unlimited
    • $12,000
    Travel Insurance Saver Cancellation and Additional Expenses
    • $500 to $5,000
    • $0
    Travel Insurance Saver Australian Travel
    • $3,000 to $20,000
    • $4,000
    Travel Insurance Saver Annual Multi Trip
    • $10,000 to Unlimited
    • $12,000

    Compare up to 4 providers

    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 Limit110

    Compare Travel Insurance Saver policy benefits

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

    Bare EssentialsEssentialsComprehensiveAnnual Multi TripAustralian TravelCancellation and Additional Expenses
    Excess$250 or $150$250, $150 ot $0$250, $150 or $0$250 or $150$100$0
    Cancellation or holiday deferment costs$2,500$2,500 to $40,000$5,000 to Unlimited$10,000 to Unlimited$3,000 to $20,000$500 to $5,000
    Emergency travel arrangements and accommodation expenses$5,000$15,000UnlimitedUnlimited$10,000$2,000
    Meals sub-limit$500$500$500$500$500$500
    Emergency internet/telephone sub-limit$250$250$250$250$250$250
    Emergency expenses to avoid disaster$1,000$1,000$1,000$1,000$1,000$500
    Early return home$2,000$2,000$2,000$2,000$2,000$2,000
    Medical evacuation and repatriation$250,000$500,000UnlimitedUnlimited$50,000
    Luggage and personal effects maximum limit$2,000$5,000$12,000$12,000$4,000
    Personal computer, camera, video individual item limit$250$500$4,000$4,000$1,000
    Other individual item limit$250$500$700$700$500
    Emergency luggage$150$200$500$500$500
    Personal liability$1,000,000$1,000,000$2,500,000$2,500,000$300,000
    Overseas medical expensesUnlimitedUnlimitedUnlimitedUnlimited
    Dental expenses due to sudden and acute pain$1,000$1,000$1,000$1,000
    Replacement passports and travel documents$500$1,000$3,000$3,000
    Funeral expenses overseas$15,000$15,000$25,000$25,000
    Agents cancellation fees sub-limit
    $2,000$2,000$2,000$2,000Chosen Limit
    Travel delay
    Rental vehicle insurance excess
    Return of rental vehicle
    Accidental death
    Accompanying children sub-limit
    $1,000 per child$1,000 per child$1,000 per child$1,000 per child
    Missed connection – special events
    Emergency accommodation due to terrorism
    Hiring replacement golf and surf equipment
    Fraudulent use of credit or debit cards
    Coronavirus travel costs
    Hospital compensation
    Post hospital accommodation
    Critical illness or injury – emergency travel expenses for a friend or relative sub-limit
    Home services sub-limit
    Resumption of trip
    Stolen cash
    Total permanent disability
    Loss of income

    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
    • Seasickness 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:

    • 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
    • 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 traveling with a pre-existing medical condition.

        Please send us a message again if anything.


      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.


      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,

      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,

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