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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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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 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
Summary of Travel Insurance Saver's most comprehensive travel insurance policy
| Overseas Medical and Hospital Expenses | Unlimited |
|---|---|
| Cancellation or holiday deferment costs | $5,000 - Unlimited |
| Luggage and Personal Effects | $12,000 |
| Maximum Age Limit | 110 |
Compare Travel Insurance Saver policy benefits
Here are the features available with travel insurance saver's six main policies.
| Bare Essentials | Essentials | Comprehensive | Annual Multi Trip | Australian Travel | Cancellation 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 | $15,000 | Unlimited | Unlimited | $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 | $500,000 | Unlimited | Unlimited | $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 | |
| Smartphones | $250 | $500 | $1,000 | $1,000 | $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 expenses | Unlimited | Unlimited | Unlimited | Unlimited | ||
| 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 | $2,000 | Chosen Limit | |
| Travel delay | $1,000 | $2,000 | $2,000 | $500 | ||
| Rental vehicle insurance excess | $2000+ | $5,000+ | $5,000+ | $5,000+ | ||
| Return of rental vehicle | $750 | $750 | $750 | $750 | ||
| Accidental death | $10,000 | $25,000 | $25,000 | $10,000 | ||
| Accompanying children sub-limit | $1,000 per child | $1,000 per child | $1,000 per child | $1,000 per child | ||
| Missed connection – special events | $2,000 | $2,000 | $2,000 | |||
| Emergency accommodation due to terrorism | $3,000 | $3,000 | $3,000 | |||
| Hiring replacement golf and surf equipment | $200 | $200 | $200 | |||
| Fraudulent use of credit or debit cards | $3,000 | $3,000 | $3,000 | |||
| Coronavirus travel costs | $2,500 | $2,500 | $2,500 | |||
| Hospital compensation | $5,000 | $8,000 | $8,000 | |||
| Post hospital accommodation | $500 | $250 | ||||
| Critical illness or injury – emergency travel expenses for a friend or relative sub-limit | $20,000 | $20,000 | ||||
| Home services sub-limit | $500 | $500 | ||||
| Resumption of trip | $3,000 | $3,000 | ||||
| Stolen cash | $250 | $250 | ||||
| Total permanent disability | $12,500 | $12,500 | ||||
| Loss of income | $10,000 | $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
- 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 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.
- Claim online here, https://www.nibtravelinsurance.com.au/claims#submit
- By phone, 1300 353 176 (within Australia) or +61 2 202 0508 (from abroad)
- By email at, travelclaims@nib.com.au
- By post by sending all documentation to; nib Travel Claims Department, PO Box A975, Sydney South, NSW 1235, Australia
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Ask an Expert
have not seen in the information given asking for pre-existing medical conditions.
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
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
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
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.
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
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
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