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Travel Insurance Saver

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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Gary Hunter
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Important

Travel insurance rules continue to change as a result of the pandemic. Some information may not be accurate at this time. It’s even more important to double-check all details that matter to you before taking out cover. Please note:
    • Some policies may not be available through Finder at this time
    • It’s unlikely that your policy will cover expenses from border closures

    Our verdict

    • Travel Insurance Saver is one of just a handful of brands offering some kind of cover for the pandemic. 3 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 10 of its competitors.
    • 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 Amex and Fast Cover.

    Review by our senior insurance writer James Martin

    Travel Insurance Saver offers a choice of 4 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.

    Compare Travel Insurance Saver policies

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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 limit110

    Table updated July 2021

    Compare Travel Insurance Saver policy benefits

    Here are the features available with Travel Insurance Saver's 6 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
    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 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
    		$1,000$2,000$2,000$500
    Rental vehicle insurance excess
    		$2,000$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

    Are there add-ons available?

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

    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 – such as diabetes (type 1 and 2), asthma and cataracts. Keep in mind that you might be excluded if your 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.

    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 or 1300 555 019 if you're in Australia. Alternatively you can email at travelassist@nib.com.au.
    • For customer support. Call 03 9427 9224 (available Monday to Saturday from 8am to 7pm Melbourne time).
    • For claims. You can make a claim online, by phone, email or by post.

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    9 Responses

    1. 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?

      Reply
      • Avatarfinder Customer Care
        JamesDecember 19, 2021Staff

        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

        Reply
    2. Default Gravatar
      IanMay 18, 2018

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

      Reply
      • 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

        Reply
    3. 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

      Reply
      • 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

        Reply
    4. 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.

      Reply
    5. 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

      Reply
      • 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

        Reply
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