Thumbnail icon for Travel Insurance Saver

Travel Insurance Saver is backed by nib Group, Australia’s third-largest travel insurance provider. Under the Travel Insurance Saver brand, customers can access multiple levels of cover for international travel and domestic travel insurance at price points that match their needs.

About Travel Insurance Saver

At Travel Insurance Saver, you’ll find a range of policy options, running the gamut from Comprehensive cover (the company’s highest coverage level) down to the Essentials plan and Bare Essentials option for budget conscious travellers. There is also a multi-trip travel insurance policy which can cover you for a number of trips over the course of a year if you plan to travel frequently.

Rates and fees verified as correct at 08 December, 2021. Other information correct at the time of writing.

Travel Insurance Saver travel insurance policies

Below, you can investigate the details of these three coverage levels across Travel Insurance Saver’s options for international trips.

  • Events

  • Limits shown apply

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health illness

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Bare Essentials

    • Per person

    • Unlimited

    • 250

    • $2,500

    • Events
    • $2,000

    • $5,000

    • $500

    • $500

    • $1,000,000

    • Pre existing conditions
    • Activities covered
    More info
    • International Comprehensive

    • Per person

    • Unlimited

    • $5,000

    • 250

    • $5,000 optional to increase to $unlimited

    • Events
    • $12,000

    • Unlimited

    • $20,000

    • $3,000

    • $8,000

    • $25,000

    • $12,500

    • $10,000

    • $3,000

    • $3,000

    • $3,000

    • $5,000

    • $2,000

    • $2,500,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
    • Essentials

    • Per person

    • Unlimited

    • $5,000

    • 250

    • $2,500 optional to increase to $40,000

    • Events
    • $5,000

    • $15,000

    • $5,000

    • $10,000

    • $1,000

    • $1,000

    • $2,000

    • $1,000,000

    • Pre existing conditions
    • Activities covered
    More info
    • Annual Multi-trip (45 days)

    • Per person

    • Unlimited

    • $5,000

    • 250

    • $5,000 optional to increase to $unlimited

    • Events
    • $12,000

    • Unlimited

    • $20,000

    • $3,000

    • $8,000

    • $25,000

    • $12,500

    • $10,000

    • $3,000

    • $3,000

    • $3,000

    • $5,000

    • $2,000

    • $2,500,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
    • Annual Multi-trip (45 days, with snow cover)

    • Per person

    • Unlimited

    • $5,000

    • 250

    • $5,000 optional to increase to $unlimited

    • Events
    • $12,000

    • Unlimited

    • $20,000

    • $3,000

    • $8,000

    • $25,000

    • $12,500

    • $10,000

    • $3,000

    • $3,000

    • $3,000

    • $5,000

    • $2,000

    • $2,500,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
= Covered = Not covered

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).


What does a Travel Insurance Saver policy cover?

The specifics of what your policy covers and any limits imposed on claim pay-outs will depend on the plan and cover type you purchase. Below are some of the main benefits included at all levels of cover with Travel Insurance Saver. If you’d like to see sub-limits for specific items or events, check the data field above or find the product disclosure statement (PDS) on the Travel Insurance Saver website. 

If you opt for either the Comprehensive or Essentials plan, the cover will extend to other benefits, although coverage caps will vary according to the option you’ve chosen and paid the premium on. These include:

Then, there are additional benefits that are exclusively available with the Comprehensive option. These are:

Can you get Covid-19 cover with Travel Insurance Saver?

Yes, there is some cover for events related to Covid-19 offered by Travel Insurance Saver on its international plans (not for domestic travel). For example, if you contract Covid while travelling overseas and require hospitalisation, this is included in the relevant cover across the different policy levels, as is medical evacuation and repatriation.

If you would like broader Covid cover for your trip, you’ll need to take out the Comprehensive plan. With this cover, non-refundable cancellation costs will be included should you or someone you’re travelling with get diagnosed with Covid-19. The same goes for if you’re an essential worker and the pandemic stops you from travelling because of work, or if a close relative or business partner in Australia is hospitalised or dies from Covid after you purchase your policy and you’re therefore not able to travel.

Quarantine expenses for if you’re diagnosed with Covid are also included under the Comprehensive plan. However, be sure to read the policy terms, conditions and exclusions closely for all the relevant documentation you’ll need to receive a claim pay-out. 

Does Travel Insurance Saver cover pre-existing medical conditions?

There are more than 40 pre-existing medical conditions automatically covered across the Comprehensive, Essentials and Bare Essentials packages. This includes things like epilepsy, diabetes, hypertension, Graves Disease and various allergies. 

For some conditions, you’ll need to meet certain criteria. For example, asthma is covered, but only if you are under 60 and have not required hospitalisation or medications other than your inhaler for the last 12 months. Costs related to unexpected pregnancy complications while you’re travelling will also be covered (up to 26 weeks pregnancy) so long as the issues developed after you bought the insurance policy.

You may still be able to take out a policy with Travel Insurance Saver if you have conditions beyond this list. Conditions like cancer and cardiovascular disease can be covered under the Comprehensive plan after a medical assessment (which may cost extra). 

As always, be sure to read through the PDS for any exclusions or specific criteria for claims related to your current health condition. 

Check out Mozo’s guide to travel insurance and pre-existing medical conditions for extra information. 

What optional travel insurance cover does Travel Insurance Saver offer?

Snow Sports Cover

Under the Comprehensive international travel plan you can opt for Travel Insurance Saver’s snow sports cover to protect you while you hit the slopes. For an extra premium, you can be covered for benefits like ski run closure, ski lift passes and rental of replacement ski equipment if yours is damaged or stolen. And of course, accidents arising out of your snowy adventures will be included in medical and other coverage sub-sections when you include this optional extra in your policy.

If you’re heading to the snow on your next trip, check out Mozo’s dedicated guide on finding snow travel insurance.

Specified Item Cover

If you’re taking an item with you – say a piece of jewellery or an electronic gadget – that's worth more than the limit on your policy for that cover type, you can insure it for extra value. You will pay an extra premium depending on the item’s value so if it's lost, stolen or damaged, it’ll be covered for the relevant higher amount. This optional extra is available to customers purchasing a Comprehensive or Essentials plan.

Additional Rental Vehicle Insurance Excess Cover

The Essentials and Comprehensive plans already offer some cover for rental vehicle excess, but you can increase that cover by including this optional extra (only available through the Comprehensive plan). This cover is relevant for if you’re hiring a rental vehicle and need to pay an insurance excess to the hire company if an accident or theft occurs.

Age limits on Travel Insurance Saver policies

If you take out a Comprehensive Travel Insurance Saver plan, age is not a limiting factor. For those who choose the Essentials or Bare Essentials options, you’ll need to be aged 69 or younger when you take out the policy to be covered. 

Keep in mind that your age can have an impact on the price you’ll pay for your policy, as different age groups present different health and lifestyle risks insurance providers must assess.

Travelling with dependents on a Travel Insurance Saver policy

Travelling with family can bring about a whole new set of challenges, but Travel Insurance Saver makes it easier by covering dependents for free under your travel insurance policy. People who can qualify as dependents include:

How do I make a claim with Travel Insurance Saver?

Here are a few steps to follow if you do have to make a claim against your Travel Insurance Saver policy.

Remember: Different types of claims (like damaged baggage vs a cancelled trip) will usually require different documentation or evidence.

Can you cancel your Travel Insurance Saver travel insurance policy?

In case you decide your travel insurance policy isn’t the one for you, Travel Insurance Saver offers a 21 day cooling off period, during which you can cancel your travel insurance policy for a full refund. This only applies as long as you haven’t started your trip or made any claims on your policy (it doesn’t apply to extensions on your policy). 

You’ll still be able to cancel the policy after the 21 day period, but you won’t necessarily be offered a full or partial refund unless Travel Insurance Saver deems it appropriate to do so.

Travel Insurance Saver customer reviews

Read how the Mozo community has rated Travel Insurance Saver travel insurance policies and services on a number of factors ranging from value for money to customer satisfaction.

Travel Insurance Saver travel insurance
6.8

Overall 6.8

7.0

Value for money

9.0

Policy coverage

9.0

Customer service

9.0

Claims handling

7.2

Trust

6 Reviews

Recent Travel Insurance Saver travel insurance customer reviews Recent Travel Insurance Saver travel insurance customer reviews

Travel Insurance Saver logo

Travel Insurance Saver Travel Insurance review

Overall rating   8 / 10

Great customer service and easy claims.

They were easy to deal with and we were able to make a claim easily when our flight was delayed.

Full review

They were easy to deal with and we were able to make a claim easily when our flight was delayed.

    Value for money   8 / 10

    Trust   9 / 10

Less

Katie, Victoria, reviewed about 6 years ago

Travel Insurance Saver logo

Travel Insurance Saver Travel Insurance review

Overall rating   9 / 10

Good value

Because they cover me yearly for unlimited cover anywhere in the world for 90 days or less.

Full review

Because they cover me yearly for unlimited cover anywhere in the world for 90 days or less.

    Value for money   8 / 10

    Trust   8 / 10

Less

Peter, New South Wales, reviewed over 7 years ago

Travel Insurance Saver logo

Travel Insurance Saver Travel Insurance review

Overall rating   10 / 10

Value for money

I was incredibly happy with my travel insurance to all my travels to Asia. For a minimum cost, the insurance covers you for any crisis overseas.

Full review

I was incredibly happy with my travel insurance to all my travels to Asia. For a minimum cost, the insurance covers you for any crisis overseas.

    Value for money   10 / 10

    Trust   10 / 10

Less

Laura, New South Wales, reviewed over 7 years ago

Travel Insurance Saver logo

Travel Insurance Saver Travel Insurance review

Overall rating   9 / 10

mineo

good i ned a hilyday

Full review

good i ned a hilyday

    Value for money   9 / 10

    Policy coverage   9 / 10

    Customer service   9 / 10

    Claims handling   9 / 10

    Trust   9 / 10

Less

Paul, Victoria, reviewed over 7 years ago

Travel Insurance Saver logo

Travel Insurance Saver Travel Insurance review

Overall rating   5 / 10

Good advice

I had issues with my visa on the way back to Australia. Even though my travel insurance couldn't help me financially, they gave me advice as to what to do. Great customer service!

Full review

I had issues with my visa on the way back to Australia. Even though my travel insurance couldn't help me financially, they gave me advice as to what to do. Great customer service!

    Value for money   7 / 10

    Trust   7 / 10

Less

David, New South Wales, reviewed over 7 years ago

Hide reviews

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Compare Travel Insurance Saver with other travel insurance providers

There are heaps of options on the market for quick, affordable travel insurance policies, so there’s no sense in rushing! After all, this is an important part of your next big trip.
To help you check out all your options before you make a decision, Mozo have developed an easy to use travel insurance comparison tool. All you have to do is fill in your travel dates, destination and how many people are going and you can have a quick and easy comparison of the best travel insurance policies available to Aussies today.

Remember to drop by our travel hub for some helpful articles, tips and tools to plan a money savvy holiday and don’t forget to check out our Best $20 I ever spent series for some tips from real world travellers on their favourite ways to spend a cheap day overseas.