SureSave Travel Insurance

SureSave is one of Australia’s most innovative and flexible travel insurance providers. SureSave understands that travel insurance needs to be unique, and with SureSave, you can choose a travel insurance plan from a range of different options depending on your budget and the nature of planned activities.

Whether you are holidaying in Australia or overseas, travelling for business, pursuing your favourite sports destinations or simply visiting friends and relatives, it’s important to get the right cover. And with the handy SureSave mobile app, you can rest assured that you have access to world-class travel safety, insurance, and assistance before, during, and after each trip.

Travel Insurance Products Offered by SureSave

  • Comprehensive - SureSave’s Comprehensive Plan includes great coverage for a wide range of events, including damaged luggage, delays where the operator is at fault, and rental vehicle insurance excess. It offers unlimited trip limit for overseas medical costs - this includes medical evacuation, medical repatriation and extra trip costs. You can also tailor your cover with a range of optional extras when taking out your policy. Comprehensive cover is meant for international trips, which includes cover for cruises outside Australian coastal waters.

  • Basic - The Basic plan is also aimed at international trips and non-domestic cruises but is a lower-cost option that doesn't offer the same level of benefits as the Comprehensive plan. Overseas medical cover is included, but some other benefits - including costs related to cancellations - are not.

  • Domestic - As the name implies, the Domestic plan is meant exclusively for trips within Australia. Like the Basic plan, some benefits are not included. Domestic cruises that don't travel into international waters are covered, but cruises from one Australian port to another could require Comprehensive cover if they travel out further than three nautical miles off the Australian coastline.

  • Annual Frequent Traveller (AFT) - The AFT Plan offers the same cover as the Comprehensive Plan, but for an unlimited number or international and domestic trips in a 12 month period (up to a maximum of either 30 days or 50 days each).

Comparing the Benefits of SureSave’s Travel Insurance Products

Benefit

Benefit Limits

Comprehensive & AFT Plans

Basic Plan

Domestic Plan

Overseas medical costs

Unlimited1

Unlimited1

Medical evacuation costs

Unlimited

Unlimited

$10,0002

Medical repatriation costs

Unlimited

Unlimited

Companion costs

Unlimited

Unlimited

Return of rental vehicle costs

$500

$500

In-hospital allowance

$6,0003

Room-service supplement

$6,0003

Loss of income

(injury only)

$10,4003

Total and permanent disability

(injury only)

$12,5003

Overseas dental costs

$1,0003

$1,0003

Overseas burial, cremation or repatriation of remains

$20,0003

$20,0003

Accidental death

(injury only)

$25,0003

$10,0003

$10,0003

Cancellation costs

$5,0004

$04

$2,0004

Rearrangement costs

(before your trip starts only)

Unused visa costs

(before your trip starts only)

Extra trip costs

(on your trip only)

Unlimited

Unlimited

$10,0003

Resumption of trip costs

(on your trip only)

$3,0003

Insolvency unused arrangements

$10,0002

$2,0002

Insolvency rearrangement costs

Waiting around allowance

$2,0002

$5002

Extra accommodation costs

Unused arrangements

Missed flight, other transport or

tour amendment fees

Getting to a one-off performance or function, tour or cruise on time

$2,0003

Standard luggage costs

$12,0003

$3,0003

$4,0003

New for old luggage costs

(specified items)

Optional cover5

Optional cover5

Optional cover5

Essential items

(delays over 12 hours)

$250-$5003

$2503

$250-$5003

Emergency passport replacement fees

Unlimited

Unlimited

Lost, stolen or damaged passport or other travel documents

$2,0003

$1,0003

Financial loss

$2,000

$1,000

$2,000

Reimbursement for stolen cash

$250

$250

$250

Rental vehicle insurance excess

$5,0006

$5,0006

Rental company administration charges

Personal Liability

$2,500,0007

$1,000,0007

$1,000,0007

The benefit limits shown in the table are for illustration purposes only. For some benefits, sub-limits will apply, and these will be covered in the Product Disclosure Document (PDS) .

1 (for up to 12 months from the date of injury or illness)

2 for each primary traveller (combined limit)

3 for each primary traveller

4 Combined limits, with the option to increase (see page 13 of the PDS for details)

5 (up to an additional $10,000)

6 with option to increase to $8,000 (combined limit)

7 per policy (combined limit)

Important Conditions Relating to all SureSave Travel Insurance Products

  • Cover is available on all plans for travellers meeting any of the following conditions:

    • They are an Australian citizen or a permanent resident of Australia;

    • They are in Australia on a skilled working visa (working holiday visas do not count);

    • They have a partner or spouse visa allowing them to stay in Australia for at least 2 years; or

    • They are a New Zealand passport holder.

  • Cover is also only available to travellers who have unrestricted right of entry into Australia, and who have access to long-term medical care in Australia (excluding any Reciprocal Health Care Agreements).

  • On a single-trip plan, a ‘trip’ means travel:

    • over 50km from your home; which

    • begins and/or ends at your home; and

    • is between the departure and return date;

    as shown on your COI.

    On an AFT plan, a ‘trip’ means travel:

    • up to 30 or 50 days and over 100km from your home; which

    • begins and ends at your home; and

    • is between the departure and return date;

    as shown on your COI.

  • If a travel insurance policy is bought after a trip has started, a 72-hour waiting period may apply before cover becomes effective.

  • Cover is available on the Comprehensive and Domestic plans for travellers of any age. However, individuals aged 81 or over will be subjected to a simple health and lifestyle assessment which may limit or restrict the terms of their cover.

  • Cover on the Basic and Annual Frequent Traveller plans is only available to travellers younger than 76 years at the time the policy is purchased.

  • Children under the age of 25 are covered at no extra charge, on condition they are travelling with a parent or grandparent, are listed on the Certificate of Insurance (COI) as an Insured Dependant, and don't have a full-time job at the time the policy is purchased. Insured Dependants with a existing medical condition may require payment of an additional premium.

  • Some sports and activities are not covered by any plan, while those that are have separate rule and conditions that govern how and when claims can be submitted. Cover for participating in any winter sports and activities on your trip requires you to add the Winter Sports Option for an additional premium when purchasing your policy.

  • Riding motorised bikes, mopeds, or motorcycles are also governed by separate rules, covered in the Product Disclosure Statement (PDS).

General Exclusions That Apply to all SureSave Travel Insurance Products

  • Travellers are always expected to act within the law, and to take reasonable care of themselves and their luggage. Claims arising from unlawful, fraudulent, or criminal acts will not be honoured, as will any claims that result from not following local laws, official warnings, or being under the influence of alcohol or drugs.

  • Claims relating to existing medical conditions that have not been declared, and existing medical conditions that aren't automatically covered or listed on the COI for additional cover.

  • Other specific medical conditions listed in the SureSave PDS.

  • Travelling against medical advice, or when an individual knows they are unfit to travel.

  • Travelling to any destination that the Australian government has listed as a "Do not travel" zone.

  • Any claims that arise as a direct result of war, riots, and other violent activities, even if not declared when the trip begins.

  • Certain sporting and other high-risk activities listed in the SureSave PDS, including participation in winter sports without taking out optional Winter Sports cover.

For a full list of general exclusions see pages 71-72 of the PDS.

Impact of Travel Alerts on SureSave Travel Insurance

SureSave maintains a list of travel alerts on their website, which include important information relating to severe weather, natural disasters, and other activities which could affect travel. Travellers are always advised to monitor this page to ensure any planned travel is not affected. Policies bought after a travel alert is issued usually have cover restricted or limited for any travel happening while the alert is in place. However, no cover is available to individuals who choose to travel to any destination with a "Do not travel" warning in place. The Australian government maintains the Smartraveller website which lists up to date travel advisories for destinations around the world, which may affect your travels and your travel cover.

SureSave Travel Cover for Existing Medical Conditions

All SureSave travel policies include automatic cover for more than 40 existing medical conditions, as long as they are disclosed when taking out the policy, and specific criteria for each condition is also met. Other existing medical conditions not listed in the PDS could be covered at SureSave's discretion, but these would also need to be disclosed before taking out travel cover, and may require a medical assessment and an extra premium. Claims related to existing medical conditions that a traveller was aware of, or should have been aware of, may be declined. Pregnancies without a history of complications are covered, provided any events necessitating a claim occur before the end of the 26th week, for a single pregnancy, or the 19th week for a multiple pregnancy. Any traveller in doubt over whether a medical condition counts as a existing condition should always disclose it.

Claims Excess for SureSave Travel Insurance Products

An excess may apply for any claim submitted, and this excess will be deducted from any amount paid out for a successful claim. The exact excess amount will be listed on the COI, though this can be reduced by selecting the Excess Buy-out Option offered by SureSave on single-trip Comprehensive and Basic plans. The excess applies to each separate incident.

Cooling Off Period for SureSave Travel Insurance Products

Travellers have 14 days from the day they buy their policy to decide if the cover is right for them. If it’s not, travellers can cancel their policy within this ‘cooling-off period’ – and receive a full refund of their premium, provided they haven’t started their trip, haven’t made a claim, and don’t intend to make a claim or exercise any other right under their policy. When cancelling a policy outside the cooling-off period, no refund is given on any part of the premium.

SureSave Travel Insurance Claims Process

Travellers needing to initiate a claim should always do so as soon as it is possible, following these steps:

  • Identify the event the cover and claim falls under. These are listed as Events in the PDS.

  • Pay careful attention to the rules and conditions that apply to each event, along with what the cover involves, and the benefit limits that may apply.

  • Go to www.suresave.com.au/checklists and follow the steps outlined for the relevant event. Each checklist includes contact details for SureSave and for emergency assistance, and also clearly list what supporting documentation needs to be included with a claim.

  • Once a traveller is sure they meet all the conditions and requirements, and that they have all the relevant supporting documentation, they can go to www.suresave.com.au/claims to begin the claim process. Claims can either be submitted via email or standard mail.

SureSave Travel Insurance Contact Details

Insured travellers can contact SureSave for any queries, issues, claims, or emergency assistance using any of the following methods:

UnderwriterCertain Underwriters at Lloyds
Customer Service1300 787 376
Customer Service (from outside Australia)+61 2 9234 3111
Claims Enquiries (non-emergencies)1300 625 229
Overseas Claims Enquiries+61 2 8263 0487
Claims Enquiries (non-emergencies)claims@suresave.com.au
Emergency Assistance ProviderWE Assist
Emergency Contact Number+61 2 9234 3113 or
Emergency Contact Number+61 2 8256 1513
Emergency Contact SMS+61 417 342 076
Emergency Contact Emailhelp@suresave.com.au
Medical Assessments1300 763 872

TIOTN Pty Ltd ABN 85 097 172 613. AR 258496 is an authorised representative of nib Travel Services (Australia) Pty Ltd (nib), ABN 81 115 932 173, AFSL 308461. Any information provided is general only and you should consider if this product suits your needs. Before deciding to purchase this product, please read the Product Disclosure Statement available from us. This insurance is underwritten by certain underwriters at Lloyd’s.

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